docs/FUNCTIONAL.md

@@ -534,21 +534,29 @@ shown defensively (text escaped, attachments downloaded rather than rendered).
 ### Wallet
 
 Durable players have a **Wallet** — a tab in the Settings hub, between Friends and About; guests have
-none. It shows their **chips** (the in-game currency, split by where they were funded — VK, Telegram
-or the web), their **active benefits** (ads off until a date or forever, and the available hint
-count), and a **store**. What is visible and spendable depends on **where the app runs**, by the
-store-compliance rules in [`PAYMENTS.md`](PAYMENTS.md): inside a store only that store's chips are
-usable; on the open web all attached chips are, drawn web → VK → Telegram; on VK-iOS the balance is
-shown but frozen for spending.
+none. A compact **balance** leads the screen: the running context's own **chips** (the in-game
+currency) first, then any linked other-platform chips behind that platform's logo — VK, Telegram or
+the web, split by where they were funded. What is visible and spendable depends on **where the app
+runs**, by the store-compliance rules in [`PAYMENTS.md`](PAYMENTS.md): inside a store only that
+store's chips are usable; on the open web all attached chips are, drawn web → VK → Telegram; on
+VK-iOS the balance is shown but frozen for spending.
+
+Below the balance an **Active** line lists what the player currently holds — the remaining hint count
+and, if bought, the ad-free end date (or "forever"); it is hidden when nothing is active. The
+**store** then splits, by a two-way toggle, into **Buy chips** and **Spend chips**:
+
+- **Buy chips** — the **chip packs** bought with real money, priced in the running context's currency
+  (VK Votes, Telegram Stars, or roubles on the web), plus, at the top, a **watch-an-ad-for-chips**
+  option where it is offered. Paying opens the provider's payment page (accepting the public offer).
+- **Spend chips** — the **values** bought with chips (extra hints, days without ads) at a fixed chip
+  price. Their action reads **Exchange**, and a value the balance cannot cover is disabled. Tapping
+  Exchange asks the player to **confirm** (the spend is instant, with no provider window to stand in
+  for a confirmation); that same dialog also carries the store-compliance **warning** when a web
+  spend would draw VK/Telegram chips — the benefit then works only on the web and in the app.
 
-The **store** lists **values** bought with chips (extra hints, days without ads) at a fixed chip
-price shown in every context, and **chip packs** bought with real money, priced in the running
-context's currency (VK Votes, Telegram Stars, or roubles on the web). Buying a value applies its
-benefit at once. Before a web purchase that would draw VK/Telegram chips, the app **warns** that the
-benefit will then work only on the web and in the app — a store rule — and asks the player to confirm.
 On the **Google Play** build the money purchases are hidden behind a note pointing to the RuStore
 build (Google's in-app-currency rule); spending already-earned chips still works. The wallet keeps
-**no purchase history** — only the current balances, benefits and store.
+**no purchase history** — only the current balances, active benefits and store.
 
 ### Advertising banner
 

docs/FUNCTIONAL_ru.md

@@ -548,21 +548,30 @@ high-rate флага. С карточки пользователя операт
 ### Кошелёк
 
 У постоянных (не гостевых) игроков есть **Кошелёк** — вкладка в разделе настроек, между «Друзьями» и
-«О программе»; у гостей его нет. Он показывает **фишки** (внутриигровую валюту, разделённую по тому,
-где она была пополнена — VK, Telegram или веб), **активные блага** (реклама выключена до даты или
-навсегда, и число доступных подсказок) и **магазин**. Что видно и что можно потратить, зависит от
-того, **где запущено приложение**, по правилам соответствия магазинам из [`PAYMENTS.md`](PAYMENTS.md):
-внутри магазина доступны только его фишки; в открытом вебе — все привязанные, списываются в порядке
-веб → VK → Telegram; на VK-iOS баланс показан, но трата заморожена.
+«О программе»; у гостей его нет. Экран открывает компактный **баланс**: сначала собственные **фишки**
+(внутриигровая валюта) текущего контекста, затем привязанные фишки других платформ за их логотипом —
+VK, Telegram или веб, разделённые по тому, где они были пополнены. Что видно и что можно потратить,
+зависит от того, **где запущено приложение**, по правилам соответствия магазинам из
+[`PAYMENTS.md`](PAYMENTS.md): внутри магазина доступны только его фишки; в открытом вебе — все
+привязанные, списываются в порядке веб → VK → Telegram; на VK-iOS баланс показан, но трата заморожена.
 
-**Магазин** перечисляет **ценности**, покупаемые за фишки (дополнительные подсказки, дни без рекламы),
-по фиксированной цене в фишках, одинаковой во всех контекстах, и **наборы фишек**, покупаемые за
-настоящие деньги, в валюте текущего контекста (голоса VK, звёзды Telegram или рубли в вебе). Покупка
-ценности сразу применяет её благо. Перед покупкой в вебе, которая списала бы фишки VK/Telegram,
-приложение **предупреждает**, что благо будет работать только в вебе и в приложении — это правило
-магазинов — и просит подтверждения. В сборке для **Google Play** покупки за деньги скрыты за подсказкой
-установить сборку из RuStore (правило Google о внутриигровой валюте); трата уже заработанных фишек
-по-прежнему работает. Кошелёк **не хранит историю покупок** — только текущие балансы, блага и магазин.
+Под балансом строка **«Активные»** перечисляет, что у игрока есть сейчас — остаток подсказок и, если
+куплено, дату окончания «без рекламы» (или «навсегда»); она скрыта, когда активного ничего нет. Далее
+**магазин** двухпозиционным переключателем делится на **«Купить фишки»** и **«Потратить фишки»**:
+
+- **Купить фишки** — **наборы фишек** за настоящие деньги, в валюте текущего контекста (голоса VK,
+  звёзды Telegram или рубли в вебе), а сверху — вариант **«ролик за фишки»**, где он предлагается.
+  Оплата открывает страницу провайдера (с принятием публичной оферты).
+- **Потратить фишки** — **ценности** за фишки (дополнительные подсказки, дни без рекламы) по
+  фиксированной цене в фишках. Их действие называется **«Обмен»**, а ценность, на которую не хватает
+  баланса, недоступна. Тап по «Обмену» просит **подтверждения** (трата мгновенна, окна провайдера,
+  которое сошло бы за подтверждение, нет); это же окно несёт и **предупреждение** соответствия
+  магазинам, когда трата в вебе списала бы фишки VK/Telegram — благо тогда работает только в вебе и в
+  приложении.
+
+В сборке для **Google Play** покупки за деньги скрыты за подсказкой установить сборку из RuStore
+(правило Google о внутриигровой валюте); трата уже заработанных фишек по-прежнему работает. Кошелёк
+**не хранит историю покупок** — только текущие балансы, активные блага и магазин.
 
 ### Рекламный баннер
 

ui/e2e/wallet.spec.ts

@@ -1,9 +1,10 @@
 import { expect, test, type Page } from './fixtures';
 
 // The Wallet section against the mock transport (no backend). The mock seeds a web/native (direct)
-// account holding a direct + vk chip segment and a small catalog (two chip-priced values and one
-// rouble-priced chip pack — see lib/mock/client.ts), so the storefront, the store-compliance
-// warning and the Google Play stub are all exercisable without a backend.
+// account holding a direct (120) + vk (400) chip segment and a small catalog (two chip-priced values
+// and one rouble-priced chip pack — see lib/mock/client.ts), so the compact balance, the split
+// storefront, the exchange-confirm dialog (with its store-compliance warning) and the Google Play
+// stub are all exercisable without a backend.
 
 async function loginLobby(page: Page): Promise<void> {
   await page.goto('/');
@@ -22,24 +23,33 @@ async function openWallet(page: Page): Promise<void> {
   await expect(page.getByTestId('wallet')).toBeVisible();
 }
 
-test('wallet: balances, benefits and the storefront render for a durable account', async ({ page }) => {
+test('wallet: balance, active benefits and the split storefront render for a durable account', async ({ page }) => {
   await loginLobby(page);
   await openWallet(page);
 
-  // Balances: the seeded direct ("Web") and vk segments.
-  await expect(page.getByRole('heading', { name: 'Balance' })).toBeVisible();
-  await expect(page.getByText('Web', { exact: true })).toBeVisible();
-  await expect(page.getByText('VK', { exact: true })).toBeVisible();
+  // The compact balance leads with the context's own (direct/"Web") chips, then the linked vk
+  // segment behind its logo.
+  const balance = page.getByTestId('balance');
+  await expect(balance).toContainText('120');
+  await expect(balance).toContainText('400');
+  await expect(balance.locator('.plogo')).toHaveCount(1); // the one linked (vk) platform
 
-  // Benefits + the storefront: two values priced in chips, one pack priced in roubles.
-  await expect(page.getByRole('heading', { name: 'Benefits' })).toBeVisible();
+  // The active benefits (the seeded 5 hints) sit above the store.
+  await expect(page.getByRole('heading', { name: 'Active' })).toBeVisible();
+  await expect(page.getByTestId('active')).toContainText('Hints: 5');
   await expect(page.getByRole('heading', { name: 'Store' })).toBeVisible();
-  await expect(page.getByTestId('product')).toHaveCount(3);
-  const pack = page.locator('[data-kind="pack"]');
-  await expect(pack).toContainText('₽');
-  // The pack purchase is wired to money intake: an enabled Buy action, with the public-offer link.
-  await expect(pack.getByTestId('buy-pack')).toBeEnabled();
+
+  // Default tab — Buy chips: one rouble-priced pack + the public offer, and no values.
+  await expect(page.locator('[data-kind="pack"]')).toHaveCount(1);
+  await expect(page.locator('[data-kind="pack"]')).toContainText('₽');
+  await expect(page.locator('[data-kind="pack"]').getByTestId('buy-pack')).toBeEnabled();
   await expect(page.getByTestId('offer')).toContainText('Public offer');
+  await expect(page.locator('[data-kind="value"]')).toHaveCount(0);
+
+  // Spend chips tab: the two chip-priced values, exchanged (not bought) with the "Exchange" button.
+  await page.getByTestId('tab-spend').click();
+  await expect(page.locator('[data-kind="value"]')).toHaveCount(2);
+  await expect(page.locator('[data-kind="value"]').first().getByTestId('buy')).toHaveText('Exchange');
 });
 
 test('wallet: buying a chip pack opens the provider payment page', async ({ page }) => {
@@ -87,32 +97,39 @@ test('wallet: the Google Play build hides the money purchases behind the RuStore
   await expect(page.getByText('Your turn')).toBeVisible();
   await openWallet(page);
 
-  // The chip pack is gone; the stub points at the RuStore build. Spending earned chips still works.
+  // Buy chips: the chip pack is gone; the stub points at the RuStore build.
   await expect(page.getByTestId('gp-stub')).toBeVisible();
   await expect(page.locator('[data-kind="pack"]')).toHaveCount(0);
+  // Spending earned chips still works — the values live in the Spend tab.
+  await page.getByTestId('tab-spend').click();
   await expect(page.locator('[data-kind="value"]').first().getByTestId('buy')).toBeVisible();
 });
 
-test('wallet: a web spend that would draw store chips warns first, then completes', async ({ page }) => {
+test('wallet: a web spend that would draw store chips confirms with a warning, then completes', async ({ page }) => {
   await loginLobby(page);
   await openWallet(page);
+  await page.getByTestId('tab-spend').click();
 
-  // The 300-chip value drains direct (120) then reaches into vk (180) → a store segment → warn.
+  // The 300-chip value drains direct (120) then reaches into vk (180) → a store segment → the confirm
+  // dialog carries the cross-platform warning.
   await page.locator('[data-pid="val-noads-30"]').getByTestId('buy').click();
   await expect(page.getByTestId('warn')).toBeVisible();
-  await page.getByTestId('warn-confirm').click();
-  await expect(page.getByTestId('warn')).toBeHidden();
-  // The spend applied: the no-ads benefit now shows an end date.
+  await page.getByTestId('spend-confirm').click();
+  // The spend applied: the no-ads benefit now shows an end date in the Active section.
   await expect(page.getByTestId('wallet')).toContainText('No ads until');
 });
 
-test('wallet: a spend the direct segment covers alone does not warn', async ({ page }) => {
+test('wallet: a spend the direct segment covers alone confirms without a warning', async ({ page }) => {
   await loginLobby(page);
   await openWallet(page);
+  await page.getByTestId('tab-spend').click();
 
-  // The 100-chip value is covered by the direct segment (120) alone → no store draw, no warning.
+  // The 100-chip value is covered by the direct segment (120) alone → the confirm dialog shows, but
+  // with no cross-platform warning.
   await page.locator('[data-pid="val-hints-50"]').getByTestId('buy').click();
+  await expect(page.getByTestId('spend-body')).toBeVisible();
   await expect(page.getByTestId('warn')).toBeHidden();
+  await page.getByTestId('spend-confirm').click();
   // The hints benefit rose from 5 to 55.
-  await expect(page.getByTestId('wallet')).toContainText('Hints 55');
+  await expect(page.getByTestId('wallet')).toContainText('Hints: 55');
 });

ui/scripts/bundle-size.mjs

@@ -34,10 +34,11 @@ const DIST = 'dist';
 // Telegram Stars openInvoice / VK order-box launch and the per-button in-flight state ride the same
 // always-loaded Wallet screen, then to 126 for the in-game board-feedback UX — the staged-play
 // highlight geometry (lib/formed.ts), the on-board score badge and the bag / turn-strip / board-zoom
-// wiring live in the always-loaded Game / Board / Rack screens. The heavy parts — the dict loader,
-// the move generator and the preload orchestration — still stay in lazy chunks. Scoped CSS lands in
-// the CSS chunk, not this JS budget.
-const BUDGET = { app: 126, shared: 31, landing: 5 };
+// wiring live in the always-loaded Game / Board / Rack screens, then to 127 for the wallet storefront
+// redesign — its buy/spend toggle, compact balance and exchange-confirm dialog ride the same
+// always-loaded Wallet screen. The heavy parts — the dict loader, the move generator and the preload
+// orchestration — still stay in lazy chunks. Scoped CSS lands in the CSS chunk, not this JS budget.
+const BUDGET = { app: 127, shared: 31, landing: 5 };
 
 // gzipped returns the gzipped byte size of a built asset, or 0 when the reference is not a
 // local file (e.g. the Telegram SDK loaded from a CDN) or is missing.

ui/src/lib/i18n/en.ts

@@ -228,20 +228,19 @@ export const en = {
   // --- wallet ---
   'wallet.title': 'Wallet',
   'wallet.tab': 'Wallet',
-  'wallet.balance': 'Balance',
-  'wallet.noChips': 'No chips yet',
   'wallet.source.vk': 'VK',
   'wallet.source.telegram': 'Telegram',
   'wallet.source.direct': 'Web',
-  'wallet.viewOnly': 'view only',
-  'wallet.benefits': 'Benefits',
+  'wallet.active': 'Active',
+  'wallet.activeHints': 'Hints: {n}',
   'wallet.noAdsUntil': 'No ads until {date}',
   'wallet.noAdsForever': 'No ads forever',
-  'wallet.adsOn': 'Ads are on',
-  'wallet.hints': 'Hints {n}',
   'wallet.store': 'Store',
+  'wallet.tabBuy': 'Buy chips',
+  'wallet.tabSpend': 'Spend chips',
   'wallet.empty': 'The store is empty for now',
   'wallet.buy': 'Buy',
+  'wallet.spend': 'Exchange',
   'wallet.rewardWatch': 'Watch an ad for {n} 🪙',
   'wallet.rewardCta': 'Watch',
   'wallet.rewardCredited': '+{n} 🪙 for watching',
@@ -256,10 +255,11 @@ export const en = {
   'wallet.cur.RUB': '₽',
   'wallet.cur.VOTE': 'votes',
   'wallet.cur.XTR': '⭐',
-  'wallet.warnTitle': 'Web-only purchase',
+  'wallet.spendTitle': 'Confirm exchange',
+  'wallet.spendBody': 'Exchange {n} 🪙 for “{title}”?',
+  'wallet.spendConfirm': 'Exchange',
   'wallet.warnBody':
     'This spends your VK/Telegram chips, and the benefit will work on the web and in the app only — because of store rules.',
-  'wallet.warnConfirm': 'Continue',
   'wallet.warnCancel': 'Cancel',
   'about.title': 'About',
   'about.tab': 'Info',
@@ -313,6 +313,8 @@ export const en = {
   'error.invalid_email': 'Enter a valid email address.',
   'error.invalid_config': 'Invalid game settings.',
   'error.not_found': 'Not found.',
+  'error.insufficient_chips': 'Not enough chips.',
+  'error.product_not_found': 'This item is no longer available.',
   'error.session_invalid': 'Your session expired. Please sign in again.',
   'error.unauthenticated': 'Please sign in.',
   'error.rate_limited': 'Too many requests, slow down.',

ui/src/lib/i18n/ru.ts

@@ -228,20 +228,19 @@ export const ru: Record<MessageKey, string> = {
   // --- wallet ---
   'wallet.title': 'Кошелёк',
   'wallet.tab': 'Кошелёк',
-  'wallet.balance': 'Баланс',
-  'wallet.noChips': 'Пока нет фишек',
   'wallet.source.vk': 'VK',
   'wallet.source.telegram': 'Telegram',
   'wallet.source.direct': 'Веб',
-  'wallet.viewOnly': 'просмотр',
-  'wallet.benefits': 'Блага',
+  'wallet.active': 'Активные',
+  'wallet.activeHints': 'Подсказки: {n}',
   'wallet.noAdsUntil': 'Без рекламы до {date}',
   'wallet.noAdsForever': 'Без рекламы навсегда',
-  'wallet.adsOn': 'Реклама включена',
-  'wallet.hints': 'Подсказки {n}',
   'wallet.store': 'Магазин',
+  'wallet.tabBuy': 'Купить фишки',
+  'wallet.tabSpend': 'Потратить фишки',
   'wallet.empty': 'Магазин пока пуст',
   'wallet.buy': 'Купить',
+  'wallet.spend': 'Обмен',
   'wallet.rewardWatch': 'Ролик за {n} 🪙',
   'wallet.rewardCta': 'Смотреть',
   'wallet.rewardCredited': '+{n} 🪙 за просмотр',
@@ -256,10 +255,11 @@ export const ru: Record<MessageKey, string> = {
   'wallet.cur.RUB': '₽',
   'wallet.cur.VOTE': 'голосов',
   'wallet.cur.XTR': '⭐',
-  'wallet.warnTitle': 'Покупка только для веба',
+  'wallet.spendTitle': 'Подтверждение обмена',
+  'wallet.spendBody': 'Обменять {n} 🪙 на «{title}»?',
+  'wallet.spendConfirm': 'Обменять',
   'wallet.warnBody':
     'Оплата спишет фишки VK/Telegram, и благо будет работать только в вебе и приложении — из-за правил магазинов.',
-  'wallet.warnConfirm': 'Продолжить',
   'wallet.warnCancel': 'Отмена',
   'about.title': 'О программе',
   'about.tab': 'Инфо',
@@ -313,6 +313,8 @@ export const ru: Record<MessageKey, string> = {
   'error.invalid_email': 'Введите корректный адрес почты.',
   'error.invalid_config': 'Неверные настройки игры.',
   'error.not_found': 'Не найдено.',
+  'error.insufficient_chips': 'Не хватает фишек.',
+  'error.product_not_found': 'Этого товара больше нет.',
   'error.session_invalid': 'Сессия истекла. Войдите снова.',
   'error.unauthenticated': 'Пожалуйста, войдите.',
   'error.rate_limited': 'Слишком много запросов, помедленнее.',

ui/src/screens/Wallet.svelte

@@ -5,7 +5,7 @@
   import { gateway } from '../lib/gateway';
   import { normalizeSubtype } from '../lib/platform';
   import { t, i18n, type MessageKey } from '../lib/i18n/index.svelte';
-  import { executionContext, formatAmount, needsWebSpendWarning, type SpendContext } from '../lib/wallet';
+  import { executionContext, formatAmount, needsWebSpendWarning, spendableChips, type SpendContext } from '../lib/wallet';
   import { isGooglePlayBuild } from '../lib/distribution';
   import { onExternalLinkClick, openExternalUrl } from '../lib/links';
   import { vkPlatform, vkShowOrderBox } from '../lib/vk';
@@ -14,11 +14,10 @@
   import { GatewayError } from '../lib/client';
   import type { Wallet, Catalog, CatalogProduct } from '../lib/model';
 
-  // The Wallet section: the context-visible chip balances, the active benefits, and the storefront.
-  // Values are bought with chips (they work once the player has any); chip packs are bought with
-  // money (the purchase itself arrives with payment intake — here they are shown priced only). On
-  // the Google Play build the money purchases are hidden behind a RuStore stub (store policy), while
-  // spending already-earned chips still works.
+  // The Wallet section: a compact chip balance, the active benefits, and the storefront. The store
+  // splits into "buy chips" (chip packs, funded with money — a provider redirect) and "spend chips"
+  // (values bought with chips — an instant exchange). On the Google Play build the money purchases
+  // are hidden behind a RuStore stub (store policy), while spending already-earned chips still works.
 
   let wallet = $state<Wallet | null>(null);
   let catalog = $state<Catalog | null>(null);
@@ -27,10 +26,17 @@
   // (busy) and scopes the pressed/dimmed visual to the tapped button — not every buy button.
   let busyId = $state<string | null>(null);
   const busy = $derived(busyId !== null);
-  // The value awaiting a web-spend warning confirmation (a spend that would draw vk/tg chips).
-  let warnProduct = $state<CatalogProduct | null>(null);
-
   const context: SpendContext = executionContext();
+  // The storefront half in view: buying chips for money, or spending chips on values.
+  let tab = $state<'buy' | 'spend'>('buy');
+  // The value awaiting an exchange confirmation, or null. Every chip-spend confirms (it is instant —
+  // no provider redirect to stand in as a confirmation), and the dialog folds in the cross-platform
+  // warning when the spend would draw vk/tg chips.
+  let spendProduct = $state<CatalogProduct | null>(null);
+  const spendWarn = $derived(
+    !!spendProduct && needsWebSpendWarning(context, wallet?.segments ?? [], spendProduct.chips),
+  );
+
   const gpBuild = isGooglePlayBuild();
   // Money purchases are not permitted inside the VK iOS app (Apple ToS); the pack CTA is shown
   // muted and taps explain why, rather than hiding the storefront. VK's device family is not on the
@@ -42,6 +48,29 @@
 
   const values = $derived(catalog?.products.filter((p) => p.kind === 'value') ?? []);
   const packs = $derived(catalog?.products.filter((p) => p.kind === 'pack') ?? []);
+  // The chips the player can actually spend in this context — a value costing more is out of reach,
+  // so its exchange button is disabled (the server stays authoritative and also rejects it).
+  const spendable = $derived(wallet ? spendableChips(wallet) : 0);
+
+  // The balance reads as the context's own segment first (🪙 N), with any linked other-platform
+  // segments appended behind their logo — on the web all linked segments show and spend together;
+  // inside a VK/Telegram store only that store's own segment is present, so it stands alone.
+  const mainSeg = $derived(wallet?.segments.find((s) => s.source === context));
+  const linkedSegs = $derived((wallet?.segments ?? []).filter((s) => s.source !== context));
+
+  // The active benefits, one short phrase each, only for what the player actually holds — nothing
+  // to show (ad-free lapsed and no hints) hides the whole section.
+  const activeItems = $derived.by(() => {
+    const items: string[] = [];
+    if (!wallet) return items;
+    if (wallet.hints > 0) items.push(t('wallet.activeHints', { n: wallet.hints }));
+    if (wallet.adsForever) items.push(t('wallet.noAdsForever'));
+    else if (wallet.adsPaidUntilMs > Date.now()) {
+      const date = new Date(wallet.adsPaidUntilMs).toLocaleDateString(i18n.locale === 'ru' ? 'ru-RU' : 'en-US');
+      items.push(t('wallet.noAdsUntil', { date }));
+    }
+    return items;
+  });
 
   // Rewarded video (VK ads): the "watch for chips" CTA shows only when the server offers a payout in
   // this context (wallet.rewardChips > 0 — VK, configured) and an ad is ready to show.
@@ -121,26 +150,17 @@
     return t(`wallet.cur.${currency}` as MessageKey);
   }
 
-  function adsLine(): string {
-    if (!wallet) return '';
-    if (wallet.adsForever) return t('wallet.noAdsForever');
-    if (wallet.adsPaidUntilMs > Date.now()) {
-      const date = new Date(wallet.adsPaidUntilMs).toLocaleDateString(i18n.locale === 'ru' ? 'ru-RU' : 'en-US');
-      return t('wallet.noAdsUntil', { date });
-    }
-    return t('wallet.adsOn');
+  function platformLogo(source: string): string {
+    return source === 'vk' ? 'vk-logo.svg' : 'telegram-logo.svg';
   }
 
-  function onBuy(p: CatalogProduct) {
-    if (needsWebSpendWarning(context, wallet?.segments ?? [], p.chips)) {
-      warnProduct = p;
-      return;
-    }
-    void doBuy(p);
+  // onSpend opens the exchange confirmation for a chip-priced value; doBuy runs the actual spend.
+  function onSpend(p: CatalogProduct) {
+    spendProduct = p;
   }
 
   async function doBuy(p: CatalogProduct) {
-    warnProduct = null;
+    spendProduct = null;
     if (busy) return;
     busyId = p.productId;
     try {
@@ -183,92 +203,93 @@
 </script>
 
 <div class="wallet" data-testid="wallet">
-  <section>
-    <h3>{t('wallet.balance')}</h3>
-    {#if wallet && wallet.segments.length > 0}
-      {#each wallet.segments as s (s.source)}
-        <div class="row">
-          <span class="name">{sourceLabel(s.source)}</span>
-          <span class="value"
-            >🪙 {s.chips}{#if !s.spendable}&nbsp;<span class="muted">({t('wallet.viewOnly')})</span>{/if}</span
-          >
-        </div>
-      {/each}
-    {:else if !loading}
-      <p class="empty">{t('wallet.noChips')}</p>
-    {/if}
-  </section>
+  <div class="balance" data-testid="balance">
+    <span class="coin" aria-hidden="true">🪙</span><span class="num" class:dim={mainSeg && !mainSeg.spendable}>{mainSeg?.chips ?? 0}</span>
+    {#each linkedSegs as s (s.source)}
+      <span class="plus" aria-hidden="true">+</span><img class="plogo" src={platformLogo(s.source)} width="16" height="16" alt={sourceLabel(s.source)} /><span class="num" class:dim={!s.spendable}>{s.chips}</span>
+    {/each}
+  </div>
 
-  <section>
-    <h3>{t('wallet.benefits')}</h3>
-    <div class="row"><span class="name">{adsLine()}</span></div>
-    <div class="row"><span class="name">{t('wallet.hints', { n: wallet?.hints ?? 0 })}</span></div>
-  </section>
+  {#if activeItems.length > 0}
+    <section data-testid="active">
+      <h3>{t('wallet.active')}</h3>
+      <div class="row"><span class="name">{activeItems.join('. ')}</span></div>
+    </section>
+  {/if}
 
   <section>
     <h3>{t('wallet.store')}</h3>
-    {#if purchaseBlocked}
-      <!-- prettier-ignore -->
-      <p class="ios-note" data-testid="ios-note">{t('wallet.iosBlockedPre')}<a href={siteRoot} target="_blank" rel="noopener noreferrer" onclick={onExternalLinkClick}>{t('wallet.iosBlockedLink')}</a>{t('wallet.iosBlockedPost')}</p>
-    {/if}
-    {#if canReward}
-      <div class="row reward" data-testid="reward-row">
-        <span class="name">{t('wallet.rewardWatch', { n: wallet?.rewardChips ?? 0 })}</span>
-        <button class="buy" class:working={busyId === 'reward'} data-testid="watch-ad" disabled={busy} onclick={onWatchAd}
-          >{t('wallet.rewardCta')}</button
-        >
-      </div>
-    {/if}
-    {#each values as p (p.productId)}
-      <div class="row product" data-testid="product" data-kind="value" data-pid={p.productId}>
-        <span class="name">{p.title}</span>
-        <span class="price">🪙 {p.chips}</span>
-        <button class="buy" class:working={busyId === p.productId} data-testid="buy" disabled={busy} onclick={() => onBuy(p)}
-          >{t('wallet.buy')}</button
-        >
-      </div>
-    {/each}
+    <div class="seg">
+      <button class="opt" class:active={tab === 'buy'} data-testid="tab-buy" onclick={() => (tab = 'buy')}>{t('wallet.tabBuy')}</button>
+      <button class="opt" class:active={tab === 'spend'} data-testid="tab-spend" onclick={() => (tab = 'spend')}>{t('wallet.tabSpend')}</button>
+    </div>
 
-    {#if gpBuild}
-      <p class="stub" data-testid="gp-stub">{t('wallet.gpStub')}</p>
+    {#if tab === 'buy'}
+      {#if purchaseBlocked}
+        <!-- prettier-ignore -->
+        <p class="ios-note" data-testid="ios-note">{t('wallet.iosBlockedPre')}<a href={siteRoot} target="_blank" rel="noopener noreferrer" onclick={onExternalLinkClick}>{t('wallet.iosBlockedLink')}</a>{t('wallet.iosBlockedPost')}</p>
+      {/if}
+      {#if canReward}
+        <div class="row reward" data-testid="reward-row">
+          <span class="name">{t('wallet.rewardWatch', { n: wallet?.rewardChips ?? 0 })}</span>
+          <button class="buy" class:working={busyId === 'reward'} data-testid="watch-ad" disabled={busy} onclick={onWatchAd}
+            >{t('wallet.rewardCta')}</button
+          >
+        </div>
+      {/if}
+      {#if gpBuild}
+        <p class="stub" data-testid="gp-stub">{t('wallet.gpStub')}</p>
+      {:else}
+        {#each packs as p (p.productId)}
+          <div class="row product" data-testid="product" data-kind="pack" data-pid={p.productId}>
+            <span class="name">{p.title}</span>
+            <span class="price">{formatAmount(p.moneyAmount, p.moneyCurrency)}&nbsp;{currencyLabel(p.moneyCurrency)}</span>
+            <button
+              class="buy"
+              class:blocked={purchaseBlocked}
+              class:working={busyId === p.productId}
+              data-testid="buy-pack"
+              disabled={busy}
+              onclick={() => {
+                if (purchaseBlocked) showToast(t('wallet.platformNoBuy'));
+                else void onOrder(p);
+              }}>{t('wallet.buy')}</button
+            >
+          </div>
+        {/each}
+        {#if packs.length > 0}
+          <p class="offer" data-testid="offer">
+            <a href="/offer/" target="_blank" rel="noopener noreferrer">{t('wallet.offer')}</a>
+          </p>
+        {:else if !loading}
+          <p class="empty">{t('wallet.empty')}</p>
+        {/if}
+      {/if}
     {:else}
-      {#each packs as p (p.productId)}
-        <div class="row product" data-testid="product" data-kind="pack" data-pid={p.productId}>
+      {#each values as p (p.productId)}
+        <div class="row product" data-testid="product" data-kind="value" data-pid={p.productId}>
           <span class="name">{p.title}</span>
-          <span class="price">{formatAmount(p.moneyAmount, p.moneyCurrency)}&nbsp;{currencyLabel(p.moneyCurrency)}</span>
-          <button
-            class="buy"
-            class:blocked={purchaseBlocked}
-            class:working={busyId === p.productId}
-            data-testid="buy-pack"
-            disabled={busy}
-            onclick={() => {
-              if (purchaseBlocked) showToast(t('wallet.platformNoBuy'));
-              else void onOrder(p);
-            }}>{t('wallet.buy')}</button
+          <span class="price">🪙 {p.chips}</span>
+          <button class="buy" class:working={busyId === p.productId} class:cantafford={spendable < p.chips} data-testid="buy" disabled={busy || spendable < p.chips} onclick={() => onSpend(p)}
+            >{t('wallet.spend')}</button
           >
         </div>
       {/each}
-      {#if packs.length > 0}
-        <p class="offer" data-testid="offer">
-          <a href="/offer/" target="_blank" rel="noopener noreferrer">{t('wallet.offer')}</a>
-        </p>
+      {#if !loading && values.length === 0}
+        <p class="empty">{t('wallet.empty')}</p>
       {/if}
     {/if}
-
-    {#if !loading && values.length === 0 && (gpBuild || packs.length === 0)}
-      <p class="empty">{t('wallet.empty')}</p>
-    {/if}
   </section>
 </div>
 
-{#if warnProduct}
-  <Modal title={t('wallet.warnTitle')} onclose={() => (warnProduct = null)}>
-    <p class="warn-body" data-testid="warn">{t('wallet.warnBody')}</p>
+{#if spendProduct}
+  <Modal title={t('wallet.spendTitle')} onclose={() => (spendProduct = null)}>
+    <p class="spend-body" data-testid="spend-body">{t('wallet.spendBody', { n: spendProduct.chips, title: spendProduct.title })}</p>
+    {#if spendWarn}<p class="warn-body" data-testid="warn">{t('wallet.warnBody')}</p>{/if}
     <div class="warn-actions">
-      <button class="cancel" onclick={() => (warnProduct = null)}>{t('wallet.warnCancel')}</button>
-      <button class="buy" data-testid="warn-confirm" onclick={() => warnProduct && doBuy(warnProduct)}
-        >{t('wallet.warnConfirm')}</button
+      <button class="cancel" onclick={() => (spendProduct = null)}>{t('wallet.warnCancel')}</button>
+      <button class="buy" data-testid="spend-confirm" onclick={() => spendProduct && doBuy(spendProduct)}
+        >{t('wallet.spendConfirm')}</button
       >
     </div>
   </Modal>
@@ -281,6 +302,29 @@
     gap: 18px;
     padding: var(--pad);
   }
+  /* The compact balance: the context's own chips (🪙 N) then any linked other-platform segments
+     behind their logo, digits monospaced so they align; a non-spendable (view-only) segment dims. */
+  .balance {
+    display: flex;
+    align-items: center;
+    flex-wrap: wrap;
+    gap: 5px;
+    font-weight: 600;
+    font-size: 1.05rem;
+  }
+  .balance .num {
+    font-family: monospace;
+  }
+  .balance .num.dim {
+    opacity: 0.5;
+  }
+  .balance .plus {
+    margin: 0 3px;
+    color: var(--text-muted);
+  }
+  .balance .plogo {
+    display: block;
+  }
   section {
     display: flex;
     flex-direction: column;
@@ -291,6 +335,26 @@
     font-size: 0.95rem;
     color: var(--text-muted);
   }
+  /* The buy/spend segmented control, matching the New Game type selector. */
+  .seg {
+    display: flex;
+    gap: 8px;
+  }
+  .opt {
+    flex: 1;
+    min-width: 64px;
+    padding: 10px;
+    border: 1px solid var(--border);
+    background: var(--surface);
+    color: var(--text);
+    border-radius: var(--radius-sm);
+    cursor: pointer;
+  }
+  .opt.active {
+    background: var(--accent);
+    color: var(--accent-text);
+    border-color: var(--accent);
+  }
   .row {
     display: flex;
     align-items: center;
@@ -304,16 +368,11 @@
     flex: 1 1 auto;
     min-width: 0;
   }
-  .value,
   .price {
     flex: 0 0 auto;
     font-weight: 600;
     white-space: nowrap;
   }
-  .muted {
-    color: var(--text-muted);
-    font-weight: 400;
-  }
   .buy {
     flex: 0 0 auto;
     padding: 8px 14px;
@@ -330,7 +389,8 @@
   /* The dimmed look is scoped: the tapped button while its purchase is in flight (working), or a
      blocked pack on VK iOS — never every buy button at once when one purchase is busy. */
   .buy.blocked,
-  .buy.working {
+  .buy.working,
+  .buy.cantafford {
     opacity: 0.5;
   }
   .ios-note {
@@ -362,8 +422,13 @@
   .offer a {
     color: var(--text-muted);
   }
+  .spend-body {
+    margin: 0 0 10px;
+  }
   .warn-body {
     margin: 0 0 14px;
+    color: var(--text-muted);
+    font-size: 0.9rem;
   }
   .warn-actions {
     display: flex;