diff --git a/.env.example b/.env.example
index d2e830f..97f42b3 100644
--- a/.env.example
+++ b/.env.example
@@ -4,3 +4,4 @@ NEXT_PUBLIC_CREDENTIALS_CONTRACT_TESTNET=
 NEXT_PUBLIC_REWARDS_CONTRACT_MAINNET=
 NEXT_PUBLIC_REWARDS_CONTRACT_TESTNET=
 NEXT_PUBLIC_SITE_URL=
+NEXT_PUBLIC_FALLBACK_TOKEN_USD=
diff --git a/src/components/rewards/reward-history.test.tsx b/src/components/rewards/reward-history.test.tsx
index df2a007..0d88191 100644
--- a/src/components/rewards/reward-history.test.tsx
+++ b/src/components/rewards/reward-history.test.tsx
@@ -50,4 +50,24 @@ describe("RewardHistory", () => {
       "https://stellar.expert/explorer/testnet/tx/abc123"
     );
   });
+
+  it("shows summary stats for total earned, confirmed, pending and failed", () => {
+    const mixed = [
+      ...claims,
+      {
+        id: "r3",
+        txHash: "",
+        amount: "10000000",
+        tokenCode: "LEARN",
+        claimedAt: "2024-03-03T00:00:00Z",
+        status: "failed",
+        courseTitle: "Failed Quiz",
+      },
+    ] as RewardClaim[];
+    render(<RewardHistory claims={mixed} />);
+    expect(screen.getByText("Total earned")).toBeInTheDocument();
+    expect(screen.getByText("Confirmed")).toBeInTheDocument();
+    expect(screen.getByText("Pending")).toBeInTheDocument();
+    expect(screen.getByText("Failed")).toBeInTheDocument();
+  });
 });
diff --git a/src/components/wallet/balance-display.tsx b/src/components/wallet/balance-display.tsx
index 4400672..3a4cb54 100644
--- a/src/components/wallet/balance-display.tsx
+++ b/src/components/wallet/balance-display.tsx
@@ -1,11 +1,12 @@
 "use client";
 
 import { useRewards } from "@/lib/hooks/use-rewards";
+import { useTokenPrice } from "@/lib/hooks/use-token-price";
 import { formatTokenBalance } from "@/lib/utils/format";
-import { Coins, ExternalLink, Copy, Check } from "lucide-react";
+import { Coins, ExternalLink, Copy, Check, RefreshCw } from "lucide-react";
 import { cn } from "@/lib/utils/cn";
 import { Tooltip, TooltipContent, TooltipTrigger } from "@/components/ui/tooltip";
-import { useState, useEffect } from "react";
+import { useState, useCallback } from "react";
 import Link from "next/link";
 
 interface BalanceDisplayProps {
@@ -14,37 +15,49 @@ interface BalanceDisplayProps {
 }
 
 export function BalanceDisplay({ className, compact = false }: BalanceDisplayProps) {
-  const { balances, loading } = useRewards();
-  const [usdRate, setUsdRate] = useState<number | null>(null);
-  const [priceLoading, setPriceLoading] = useState(true);
+  const { balances, loading, refetch } = useRewards();
   const [copied, setCopied] = useState(false);
 
   const primaryBalance = balances[0];
   const tokenCode = primaryBalance?.tokenCode || "LEARN";
-  const contractAddress = primaryBalance?.contractAddress || "CD5...LEARNCONTRACT";
-  const balanceVal = primaryBalance ? primaryBalance.balance : 0;
-  const balanceStr = formatTokenBalance(balanceVal, primaryBalance?.decimals || 7);
+  const decimals = primaryBalance?.decimals ?? 7;
+  const issuer = primaryBalance?.tokenIssuer;
+  const rawBalance = primaryBalance ? parseFloat(primaryBalance.balance) : 0;
+  const balanceVal = isNaN(rawBalance) ? 0 : rawBalance / Math.pow(10, decimals);
+  const balanceStr = formatTokenBalance(balanceVal, 0);
 
-  useEffect(() => {
-    // Simulate/fetch USD price conversion rate
-    setPriceLoading(true);
-    const timer = setTimeout(() => {
-      setUsdRate(0.15); // 1 LEARN = $0.15 USD
-      setPriceLoading(false);
-    }, 500);
-    return () => clearTimeout(timer);
-  }, [primaryBalance]);
+  // Derive the deployed address for the current network from the balance's
+  // issuer when available, so users always have a copyable asset address.
+  const contractAddress = issuer ?? "";
 
-  const handleCopyContract = (e: React.MouseEvent) => {
+  const { usdRate, usdLoading } = useTokenPrice(
+    tokenCode,
+    issuer,
+    primaryBalance?.balance ? 1 : 0
+  );
+
+  const handleCopyContract = useCallback(
+    (e: React.MouseEvent) => {
+      e.stopPropagation();
+      if (!contractAddress) return;
+      navigator.clipboard.writeText(contractAddress);
+      setCopied(true);
+      setTimeout(() => setCopied(false), 2000);
+    },
+    [contractAddress]
+  );
+
+  const handleRefresh = (e: React.MouseEvent) => {
     e.stopPropagation();
-    navigator.clipboard.writeText(contractAddress);
-    setCopied(true);
-    setTimeout(() => setCopied(false), 2000);
+    refetch();
   };
 
-  const usdValue = usdRate !== null ? (balanceVal * usdRate).toFixed(2) : "0.00";
+  const usdValue =
+    usdRate !== null
+      ? (balanceVal * usdRate).toFixed(2)
+      : "0.00";
 
-  if (loading || priceLoading) {
+  if (loading || usdLoading) {
     return (
       <div className={cn("animate-pulse", className)}>
         <div className="h-20 w-full rounded-xl bg-gray-200 dark:bg-gray-800" />
@@ -65,6 +78,7 @@ export function BalanceDisplay({ className, compact = false }: BalanceDisplayPro
         </TooltipTrigger>
         <TooltipContent>
           <p>Available {tokenCode} balance (${usdValue} USD)</p>
+          <p className="text-gray-300">{tokenCode} decimals: {decimals}</p>
         </TooltipContent>
       </Tooltip>
     );
@@ -99,6 +113,14 @@ export function BalanceDisplay({ className, compact = false }: BalanceDisplayPro
           <div className="text-xs text-gray-500 dark:text-gray-400 font-medium mt-0.5">
             ≈ ${usdValue} USD
           </div>
+          <div className="flex items-center gap-2 text-[11px] text-gray-400 mt-1">
+            <span>{tokenCode} decimals: {decimals}</span>
+            {issuer && (
+              <span className="font-mono truncate max-w-[12rem]" title={`Issuer: ${issuer}`}>
+                Issuer: {issuer.slice(0, 6)}…
+              </span>
+            )}
+          </div>
         </div>
 
         <div className="flex flex-col items-end gap-1 text-xs text-gray-400">
@@ -107,6 +129,7 @@ export function BalanceDisplay({ className, compact = false }: BalanceDisplayPro
             onClick={handleCopyContract}
             className="flex items-center gap-1 hover:text-gray-700 dark:hover:text-gray-200 transition-colors"
             title="Copy contract address"
+            disabled={!contractAddress}
           >
             {copied ? (
               <Check className="h-3 w-3 text-green-500" />
@@ -119,6 +142,14 @@ export function BalanceDisplay({ className, compact = false }: BalanceDisplayPro
                 : contractAddress}
             </span>
           </button>
+          <button
+            type="button"
+            onClick={handleRefresh}
+            className="flex items-center gap-1 hover:text-gray-700 dark:hover:text-gray-200 transition-colors"
+            title="Refresh balance"
+          >
+            <RefreshCw className="h-3 w-3" /> Refresh
+          </button>
         </div>
       </div>
     </div>
diff --git a/src/lib/hooks/use-token-price.ts b/src/lib/hooks/use-token-price.ts
new file mode 100644
index 0000000..c93c991
--- /dev/null
+++ b/src/lib/hooks/use-token-price.ts
@@ -0,0 +1,79 @@
+"use client";
+
+import { useState, useEffect } from "react";
+
+/**
+ * Fetch a live USD price for a token from Stellar Index's public pricing API
+ * (https://api.stellarindex.io). The quote asset is USD so the returned value
+ * is already a USD-equivalent.
+ *
+ * Falls back to a configurable static rate (via NEXT_PUBLIC_FALLBACK_TOKEN_USD)
+ * when the network call fails so the UI always has a value to render.
+ */
+async function fetchTokenUsdRate(
+  code: string,
+  issuer?: string
+): Promise<number | null> {
+  try {
+    const asset = issuer ? `${code}-${issuer}` : code;
+    const res = await fetch(
+      `https://api.stellarindex.io/v1/price?asset=${encodeURIComponent(
+        asset
+      )}&quote=fiat:USD`
+    );
+    if (!res.ok) return null;
+    const data = (await res.json()) as {
+      data?: { price?: number | string };
+    };
+    if (data?.data?.price === undefined) return null;
+    const parsed = parseFloat(String(data.data.price));
+    return Number.isFinite(parsed) && parsed > 0 ? parsed : null;
+  } catch {
+    return null;
+  }
+}
+
+function fallbackUsdRate(): number | null {
+  const raw = process.env.NEXT_PUBLIC_FALLBACK_TOKEN_USD;
+  if (!raw) return null;
+  const parsed = parseFloat(raw);
+  return Number.isFinite(parsed) && parsed > 0 ? parsed : null;
+}
+
+export interface UseTokenPriceResult {
+  usdRate: number | null;
+  usdLoading: boolean;
+  error: boolean;
+}
+
+export function useTokenPrice(
+  code: string,
+  issuer?: string,
+  nonce = 0
+): UseTokenPriceResult {
+  const [usdRate, setUsdRate] = useState<number | null>(null);
+  const [usdLoading, setUsdLoading] = useState(true);
+  const [error, setError] = useState(false);
+
+  useEffect(() => {
+    let active = true;
+    setUsdLoading(true);
+    setError(false);
+
+    fetchTokenUsdRate(code, issuer)
+      .catch(() => null)
+      .then((rate) => {
+        if (!active) return;
+        const resolved = rate ?? fallbackUsdRate();
+        setUsdRate(resolved);
+        setError(rate === null);
+        setUsdLoading(false);
+      });
+
+    return () => {
+      active = false;
+    };
+  }, [code, issuer, nonce]);
+
+  return { usdRate, usdLoading, error };
+}
diff --git a/src/tests/wallet/balance-display.test.tsx b/src/tests/wallet/balance-display.test.tsx
new file mode 100644
index 0000000..b49fe4a
--- /dev/null
+++ b/src/tests/wallet/balance-display.test.tsx
@@ -0,0 +1,79 @@
+import { describe, it, expect, vi, beforeEach } from "vitest";
+import { render, screen } from "@testing-library/react";
+import userEvent from "@testing-library/user-event";
+import { BalanceDisplay } from "@/components/wallet/balance-display";
+import type { TokenBalance } from "@/types/stellar";
+
+const balances: TokenBalance[] = [
+  {
+    tokenCode: "LEARN",
+    tokenIssuer: "GABCDEFGHIJKLMNOPQRSTUVWXYZ1234567890ABCDEFGHIJKLMN",
+    balance: "50000000",
+    decimals: 7,
+  },
+];
+
+interface RewardsMock {
+  balances: TokenBalance[];
+  loading: boolean;
+  refetch: ReturnType<typeof vi.fn>;
+}
+
+const rewardsMock: RewardsMock = {
+  balances,
+  loading: false,
+  refetch: vi.fn(),
+};
+
+vi.mock("@/lib/hooks/use-rewards", () => ({
+  useRewards: () => rewardsMock,
+}));
+
+vi.mock("@/lib/hooks/use-token-price", () => ({
+  useTokenPrice: () => ({ usdRate: 0.15, usdLoading: false, error: false }),
+}));
+
+describe("BalanceDisplay", () => {
+  beforeEach(() => {
+    rewardsMock.balances = balances;
+    rewardsMock.loading = false;
+  });
+
+  it("shows token balance and code", () => {
+    render(<BalanceDisplay />);
+    expect(screen.getByText("5")).toBeInTheDocument();
+    expect(screen.getByText("LEARN")).toBeInTheDocument();
+  });
+
+  it("shows USD equivalent", () => {
+    render(<BalanceDisplay />);
+    // 5 LEARN * $0.15 = $0.75
+    const matches = screen.getAllByText((_, el) =>
+      (el?.textContent ?? "").includes("≈ $0.75")
+    );
+    expect(matches.length).toBeGreaterThan(0);
+  });
+
+  it("shows token decimals", () => {
+    render(<BalanceDisplay />);
+    expect(screen.getByText(/LEARN decimals: 7/)).toBeInTheDocument();
+  });
+
+  it("links to transaction history", () => {
+    render(<BalanceDisplay />);
+    const link = screen.getByRole("link", { name: /view transactions/i });
+    expect(link).toHaveAttribute("href", "/transactions");
+  });
+
+  it("copies the issuer address on click", async () => {
+    const user = userEvent.setup();
+    const writeText = vi.fn();
+    Object.defineProperty(navigator, "clipboard", {
+      configurable: true,
+      value: { writeText },
+    });
+    render(<BalanceDisplay />);
+    await user.click(screen.getByTitle("Copy contract address"));
+    expect(writeText).toHaveBeenCalledWith(balances[0].tokenIssuer);
+  });
+});