diff --git a/src/components/TransactionPanel.test.tsx b/src/components/TransactionPanel.test.tsx
index bc7622e..1eaa975 100644
--- a/src/components/TransactionPanel.test.tsx
+++ b/src/components/TransactionPanel.test.tsx
@@ -291,4 +291,167 @@ describe("TransactionPanel", () => {
 
     expect(await screen.findByText("Transaction submitted")).toBeInTheDocument();
   });
+
+  // ── Asset selector (#178) ─────────────────────────────────────────────────
+  describe("asset selector", () => {
+    const balances = [
+      { asset: "XLM", balance: "100.0000000", assetType: "native" as const },
+      {
+        asset: "USDC",
+        balance: "50.0000000",
+        assetType: "credit_alphanum4" as const,
+        assetCode: "USDC",
+        assetIssuer: "GA5ZSEJYB37JRC5AVCIA5MOP4RHTM335X2KGX3IHOJAPP5RE34K4KZVN",
+      },
+    ];
+
+    it("populates the asset selector with the correct asset codes from context balances", () => {
+      vi.mocked(useSorokit).mockReturnValue({
+        address: "GABC",
+        isConnected: true,
+        balances,
+      } as unknown as ReturnType<typeof useSorokit>);
+
+      render(<TransactionPanel />);
+
+      const select = screen.getByLabelText("Asset") as HTMLSelectElement;
+      const optionValues = Array.from(select.options).map((o) => o.value);
+      expect(optionValues).toEqual(["XLM", "USDC"]);
+    });
+
+    it("updates the submitted asset when USDC is selected", async () => {
+      const mockSubmit = vi
+        .fn()
+        .mockResolvedValue({ data: { hash: "h1", ledger: 1 }, error: null });
+      mockGetClient(mockSubmit);
+      vi.mocked(useSorokit).mockReturnValue({
+        address: "GABC",
+        isConnected: true,
+        balances,
+      } as unknown as ReturnType<typeof useSorokit>);
+
+      render(<TransactionPanel />);
+
+      const select = screen.getByLabelText("Asset");
+      fireEvent.change(select, { target: { value: "USDC" } });
+      expect(select).toHaveValue("USDC");
+      expect(screen.getByLabelText("Amount (USDC)")).toBeInTheDocument();
+
+      const validDest = VALID_DEST;
+      fireEvent.change(screen.getByLabelText("Destination Address"), {
+        target: { value: validDest },
+      });
+      fireEvent.change(screen.getByLabelText("Amount (USDC)"), {
+        target: { value: "10" },
+      });
+
+      await reviewAndConfirm();
+
+      await screen.findByText("Transaction submitted");
+      expect(mockSubmit).toHaveBeenCalledWith(
+        expect.objectContaining({ asset: "USDC" }),
+      );
+    });
+
+    it("disables the asset selector when no balances are loaded", () => {
+      vi.mocked(useSorokit).mockReturnValue({
+        address: "GABC",
+        isConnected: true,
+        balances: [],
+      } as unknown as ReturnType<typeof useSorokit>);
+
+      render(<TransactionPanel />);
+
+      const select = screen.getByLabelText("Asset");
+      expect(select).toBeDisabled();
+      expect(select).toHaveValue("XLM");
+    });
+
+    it("includes the asset's issuer in the submitted payload for a non-native asset (#565)", async () => {
+      const mockSubmit = vi
+        .fn()
+        .mockResolvedValue({ data: { hash: "h1", ledger: 1 }, error: null });
+      mockGetClient(mockSubmit);
+      vi.mocked(useSorokit).mockReturnValue({
+        address: "GABC",
+        isConnected: true,
+        balances,
+        // getClient() here returns the object mockGetClient() just wired up
+        // above; TransactionPanel reads `client` from context, not from a
+        // direct getClient() call, so the mocked client has to be threaded
+        // through explicitly for the submission to actually run.
+        client: getClient(),
+      } as unknown as ReturnType<typeof useSorokit>);
+
+      render(<TransactionPanel />);
+
+      fireEvent.change(screen.getByLabelText("Asset"), {
+        target: { value: "USDC" },
+      });
+      const validDest = VALID_DEST;
+      fireEvent.change(screen.getByLabelText("Destination Address"), {
+        target: { value: validDest },
+      });
+      fireEvent.change(screen.getByLabelText("Amount (USDC)"), {
+        target: { value: "10" },
+      });
+
+      await reviewAndConfirm();
+
+      await screen.findByText("Transaction submitted");
+      expect(mockSubmit).toHaveBeenCalledWith(
+        expect.objectContaining({
+          asset: "USDC",
+          assetIssuer: "GA5ZSEJYB37JRC5AVCIA5MOP4RHTM335X2KGX3IHOJAPP5RE34K4KZVN",
+        }),
+      );
+    });
+
+    it("omits assetIssuer for the native XLM asset (#565)", async () => {
+      const mockSubmit = vi
+        .fn()
+        .mockResolvedValue({ data: { hash: "h1", ledger: 1 }, error: null });
+      mockGetClient(mockSubmit);
+      vi.mocked(useSorokit).mockReturnValue({
+        address: "GABC",
+        isConnected: true,
+        balances,
+        client: getClient(),
+      } as unknown as ReturnType<typeof useSorokit>);
+
+      render(<TransactionPanel />);
+
+      const validDest = VALID_DEST;
+      fireEvent.change(screen.getByLabelText("Destination Address"), {
+        target: { value: validDest },
+      });
+      fireEvent.change(screen.getByLabelText("Amount (XLM)"), {
+        target: { value: "10" },
+      });
+
+      await reviewAndConfirm();
+
+      await screen.findByText("Transaction submitted");
+      expect(mockSubmit).toHaveBeenCalledWith(
+        expect.objectContaining({ asset: "XLM", assetIssuer: undefined }),
+      );
+    });
+
+    it("shows the selected asset's balance as a hint near the amount input (#565)", () => {
+      vi.mocked(useSorokit).mockReturnValue({
+        address: "GABC",
+        isConnected: true,
+        balances,
+      } as unknown as ReturnType<typeof useSorokit>);
+
+      render(<TransactionPanel />);
+
+      expect(screen.getByText("Balance: 100.0000000 XLM")).toBeInTheDocument();
+
+      fireEvent.change(screen.getByLabelText("Asset"), {
+        target: { value: "USDC" },
+      });
+      expect(screen.getByText("Balance: 50.0000000 USDC")).toBeInTheDocument();
+    });
+  });
 });
diff --git a/src/components/TransactionPanel.tsx b/src/components/TransactionPanel.tsx
index 6f169e5..e58c741 100644
--- a/src/components/TransactionPanel.tsx
+++ b/src/components/TransactionPanel.tsx
@@ -91,6 +91,7 @@ export function TransactionPanel({
   const xlmBalance = balances.find((b) => b.asset === "XLM")?.balance || "0";
   const xlmBalanceNumber = parseFloat(xlmBalance);
   const hasSufficientBalance = !isNaN(parsedAmount) && parsedAmount <= xlmBalanceNumber;
+  const selectedAssetBalance = assetOptions.find((b) => b.asset === selectedAsset);
 
   const canSubmit =
     isConnected &&
@@ -122,6 +123,7 @@ export function TransactionPanel({
         destination: dest.trim(),
         amount: amount.trim(),
         asset: selectedAsset,
+        assetIssuer: selectedAssetBalance?.assetIssuer,
         memoType,
         memo:
           memoType !== "none" && memo.trim() !== "" ? memo.trim() : undefined,
@@ -356,6 +358,11 @@ export function TransactionPanel({
                 setAmount(e.target.value);
                 setAmountDirty(true);
               }}
+              hint={
+                selectedAssetBalance
+                  ? `Balance: ${selectedAssetBalance.balance} ${selectedAsset}`
+                  : undefined
+              }
               error={
                 amountDirty
                   ? amount.trim() === ""
diff --git a/src/lib/client.ts b/src/lib/client.ts
index c2d675d..da85cb1 100644
--- a/src/lib/client.ts
+++ b/src/lib/client.ts
@@ -11,6 +11,8 @@ export interface TransactionParams {
   destination: string;
   amount: string;
   asset: string;
+  /** Issuer account for a non-native asset. Omitted (or undefined) for XLM. */
+  assetIssuer?: string;
   memoType: "none" | "text" | "id";
   memo?: string;
 }