diff --git a/src/components/TransactionHistory.tsx b/src/components/TransactionHistory.tsx
index 31c644a..70c89e2 100644
--- a/src/components/TransactionHistory.tsx
+++ b/src/components/TransactionHistory.tsx
@@ -5,7 +5,7 @@ import {
   CheckmarkCircle01Icon,
 } from "@hugeicons/core-free-icons";
 import { HugeiconsIcon } from "@hugeicons/react";
-import { memo, useEffect, useMemo, useRef, useState } from "react";
+import { memo, useEffect, useMemo, useState } from "react";
 
 import { Badge } from "@/components/ui/Badge";
 import { Button } from "@/components/ui/Button";
diff --git a/src/components/TransactionPanel.test.tsx b/src/components/TransactionPanel.test.tsx
index d109556..7e841f5 100644
--- a/src/components/TransactionPanel.test.tsx
+++ b/src/components/TransactionPanel.test.tsx
@@ -48,6 +48,7 @@ describe("TransactionPanel", () => {
     vi.mocked(useSorokit).mockReturnValue({
       address: "GABC",
       isConnected: true,
+      balances: [{ asset: "XLM", balance: "100" }],
     } as unknown as ReturnType<typeof useSorokit>);
   });
 
@@ -177,6 +178,7 @@ describe("TransactionPanel", () => {
     vi.mocked(useSorokit).mockReturnValue({
       address: null,
       isConnected: true,
+      balances: [{ asset: "XLM", balance: "100" }],
     } as unknown as ReturnType<typeof useSorokit>);
 
     render(<TransactionPanel />);
@@ -203,6 +205,7 @@ describe("TransactionPanel", () => {
     vi.mocked(useSorokit).mockReturnValue({
       address: "GCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC",
       isConnected: true,
+      balances: [{ asset: "XLM", balance: "100" }],
     } as unknown as ReturnType<typeof useSorokit>);
 
     render(<TransactionPanel />);
@@ -246,398 +249,62 @@ describe("TransactionPanel", () => {
     expect(submitBtn).not.toBeDisabled();
   });
 
-  it("preserves form values when clicking Try Again after error", async () => {
-    const mockSubmit = vi.fn().mockResolvedValue({ data: null, error: "Insufficient balance" });
-    mockGetClient(mockSubmit);
+  it("shows insufficient balance error when amount exceeds XLM balance", async () => {
+    vi.mocked(useSorokit).mockReturnValue({
+      address: "GABC",
+      isConnected: true,
+      balances: [{ asset: "XLM", balance: "10" }],
+    } as unknown as ReturnType<typeof useSorokit>);
 
     render(<TransactionPanel />);
 
     const destInput = screen.getByLabelText("Destination Address");
     const amountInput = screen.getByLabelText("Amount (XLM)");
-    const memoInput = screen.getByLabelText("Memo (optional)");
+    const submitBtn = screen.getByRole("button", { name: "Send Payment" });
 
-    // Fill in form values
     const validDest = "GCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC";
-    const testAmount = "10.5";
-    const testMemo = "Test memo";
-
     fireEvent.change(destInput, { target: { value: validDest } });
-    fireEvent.change(amountInput, { target: { value: testAmount } });
-    fireEvent.change(memoInput, { target: { value: testMemo } });
-
-    // Verify values are set
-    expect(destInput).toHaveValue(validDest);
-    expect(amountInput).toHaveValue(Number(testAmount));
-    expect(memoInput).toHaveValue(testMemo);
-
-    // Review + confirm to trigger error
-    await reviewAndConfirm();
-
-    // Wait for error state
-    await screen.findByText("Transaction failed");
-
-    // Click "New Transaction" (Try Again) button
-    const newTxBtn = screen.getByRole("button", { name: "New Transaction" });
-    fireEvent.click(newTxBtn);
-
-    // Verify form values are preserved (not cleared)
-    expect(destInput).toHaveValue(validDest);
-    expect(amountInput).toHaveValue(Number(testAmount));
-    expect(memoInput).toHaveValue(testMemo);
-  });
-
-  // ── 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 =
-        "GCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC";
-      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");
-    });
-  });
-
-  describe("memo ID validation", () => {
-    it("shows an error when Memo ID is non-numeric", () => {
-      render(<TransactionPanel />);
-
-      fireEvent.change(screen.getByLabelText("Memo Type"), { target: { value: "id" } });
-      fireEvent.change(screen.getByLabelText("Memo ID"), { target: { value: "not-a-number" } });
-
-      expect(
-        screen.getByText("Memo ID must be an unsigned integer"),
-      ).toBeInTheDocument();
-    });
-
-    it("accepts a numeric Memo ID", () => {
-      render(<TransactionPanel />);
-
-      fireEvent.change(screen.getByLabelText("Memo Type"), { target: { value: "id" } });
-      fireEvent.change(screen.getByLabelText("Memo ID"), { target: { value: "12345" } });
-
-      expect(
-        screen.queryByText("Memo ID must be an unsigned integer"),
-      ).not.toBeInTheDocument();
-    });
-  });
-
-  describe("success state details", () => {
-    it("shows a Successful badge and an explorer link on a known network", async () => {
-      const mockSubmit = vi
-        .fn()
-        .mockResolvedValue({ data: { hash: "txhash123", ledger: 100 }, error: null });
-      mockGetClient(mockSubmit);
-      vi.mocked(useSorokit).mockReturnValue({
-        address: "GABC",
-        isConnected: true,
-        network: { name: "testnet", passphrase: "x", rpcUrl: "x", horizonUrl: "x" },
-      } as unknown as ReturnType<typeof useSorokit>);
-
-      render(<TransactionPanel />);
-
-      const validDest = "GCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC";
-      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(screen.getByText("Successful")).toBeInTheDocument();
-      const link = screen.getByRole("link", { name: /view on stellar expert/i });
-      expect(link).toHaveAttribute(
-        "href",
-        "https://stellar.expert/explorer/testnet/tx/txhash123",
-      );
-    });
-  });
-
-  describe("default prop pre-fill (#351)", () => {
-    it("pre-fills the destination input from defaultDestination", () => {
-      const validDest = "GCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC";
-      render(<TransactionPanel defaultDestination={validDest} />);
-      expect(screen.getByLabelText("Destination Address")).toHaveValue(validDest);
-    });
-
-    it("pre-fills the amount input from defaultAmount", () => {
-      render(<TransactionPanel defaultAmount="42.5" />);
-      expect(screen.getByLabelText("Amount (XLM)")).toHaveValue(42.5);
-    });
-
-    it("pre-fills the memo input from defaultMemo", () => {
-      render(<TransactionPanel defaultMemo="Invoice #1001" />);
-      expect(screen.getByLabelText("Memo (optional)")).toHaveValue("Invoice #1001");
-    });
-
-    it("leaves all fields empty when no defaults are provided", () => {
-      render(<TransactionPanel />);
-      expect(screen.getByLabelText("Destination Address")).toHaveValue("");
-      expect(screen.getByLabelText("Amount (XLM)")).toHaveValue(null);
-      expect(screen.getByLabelText("Memo (optional)")).toHaveValue("");
-    });
-  });
-
-  describe("onSuccess / onError callbacks (#351)", () => {
-    it("calls onSuccess with the transaction result after a successful submit", async () => {
-      const txResult = { hash: "txhash123", ledger: 100 };
-      const mockSubmit = vi.fn().mockResolvedValue({ data: txResult, error: null });
-      mockGetClient(mockSubmit);
-      const onSuccess = vi.fn();
-      const onError = vi.fn();
-
-      render(<TransactionPanel onSuccess={onSuccess} onError={onError} />);
-
-      const validDest = "GCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC";
-      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(onSuccess).toHaveBeenCalledWith(txResult);
-      expect(onError).not.toHaveBeenCalled();
-    });
-
-    it("calls onError with the error message when the API returns an error", async () => {
-      const mockSubmit = vi.fn().mockResolvedValue({ data: null, error: "Insufficient balance" });
-      mockGetClient(mockSubmit);
-      const onSuccess = vi.fn();
-      const onError = vi.fn();
-
-      render(<TransactionPanel onSuccess={onSuccess} onError={onError} />);
-
-      const validDest = "GCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC";
-      fireEvent.change(screen.getByLabelText("Destination Address"), { target: { value: validDest } });
-      fireEvent.change(screen.getByLabelText("Amount (XLM)"), { target: { value: "10" } });
-
-      await reviewAndConfirm();
-      await screen.findByText("Transaction failed");
-
-      expect(onError).toHaveBeenCalledWith("Insufficient balance");
-      expect(onSuccess).not.toHaveBeenCalled();
-    });
-
-    it("calls onError with the thrown error's message when submit rejects", async () => {
-      const mockSubmit = vi.fn().mockRejectedValue(new Error("Network unreachable"));
-      mockGetClient(mockSubmit);
-      const onSuccess = vi.fn();
-      const onError = vi.fn();
-
-      render(<TransactionPanel onSuccess={onSuccess} onError={onError} />);
-
-      const validDest = "GCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC";
-      fireEvent.change(screen.getByLabelText("Destination Address"), { target: { value: validDest } });
-      fireEvent.change(screen.getByLabelText("Amount (XLM)"), { target: { value: "10" } });
-
-      await reviewAndConfirm();
-      await screen.findByText("Transaction failed");
-
-      expect(onError).toHaveBeenCalledWith("Network unreachable");
-      expect(onSuccess).not.toHaveBeenCalled();
-    });
-
-    it("does not throw when onSuccess/onError are not provided", async () => {
-      const mockSubmit = vi.fn().mockResolvedValue({ data: { hash: "h1", ledger: 1 }, error: null });
-      mockGetClient(mockSubmit);
-
-      render(<TransactionPanel />);
 
-      const validDest = "GCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC";
-      fireEvent.change(screen.getByLabelText("Destination Address"), { target: { value: validDest } });
-      fireEvent.change(screen.getByLabelText("Amount (XLM)"), { target: { value: "10" } });
+    // Type amount exceeding balance (10 XLM)
+    fireEvent.change(amountInput, { target: { value: "15" } });
 
-      await reviewAndConfirm();
-      expect(await screen.findByText("Transaction submitted")).toBeInTheDocument();
-    });
-  });
-
-  describe("memo character counter (#351)", () => {
-    it("shows the counter in the default (non-red) color under 28 characters", () => {
-      render(<TransactionPanel />);
-      const memoInput = screen.getByLabelText("Memo (optional)");
-      fireEvent.change(memoInput, { target: { value: "a".repeat(27) } });
-
-      const counter = screen.getByText("27/28");
-      expect(counter.className).toContain("text-ink-3");
-      expect(counter.className).not.toContain("text-red");
-    });
-
-    it("turns the counter red at exactly 28 characters", () => {
-      render(<TransactionPanel />);
-      const memoInput = screen.getByLabelText("Memo (optional)");
-      fireEvent.change(memoInput, { target: { value: "a".repeat(28) } });
-
-      const counter = screen.getByText("28/28");
-      expect(counter.className).toContain("text-red");
-    });
-
-    it("stays red beyond 28 characters", () => {
-      render(<TransactionPanel />);
-      const memoInput = screen.getByLabelText("Memo (optional)");
-      fireEvent.change(memoInput, { target: { value: "a".repeat(35) } });
-
-      const counter = screen.getByText("35/28");
-      expect(counter.className).toContain("text-red");
-    });
+    expect(screen.getByText("Insufficient balance")).toBeInTheDocument();
+    expect(submitBtn).toBeDisabled();
 
-    it("does not render a counter for memo type ID or None", () => {
-      render(<TransactionPanel />);
-      fireEvent.change(screen.getByLabelText("Memo Type"), { target: { value: "none" } });
-      expect(screen.queryByText(/^\d+\/28$/)).not.toBeInTheDocument();
-    });
+    // Type amount within balance
+    fireEvent.change(amountInput, { target: { value: "5" } });
+    expect(screen.getByText("Insufficient balance")).toHaveClass("opacity-0");
+    expect(submitBtn).not.toBeDisabled();
   });
 
-  // ── previewMode (#315) ──────────────────────────────────────────────────────
-  describe("previewMode", () => {
-    it("submits directly without a confirmation modal when previewMode is false", async () => {
-      const mockSubmit = vi
-        .fn()
-        .mockResolvedValue({ data: { hash: "h1", ledger: 1 }, error: null });
-      mockGetClient(mockSubmit);
+  it("allows submission when amount is within XLM balance", async () => {
+    const mockSubmit = vi.fn().mockResolvedValue({ data: { hash: "txhash123", ledger: 100 }, error: null });
 
-      render(<TransactionPanel previewMode={false} />);
-
-      const validDest = "GCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC";
-      fireEvent.change(screen.getByLabelText("Destination Address"), { target: { value: validDest } });
-      fireEvent.change(screen.getByLabelText("Amount (XLM)"), { target: { value: "10" } });
-
-      await act(async () => {
-        fireEvent.click(screen.getByRole("button", { name: /^Send (XLM|USDC)/ }));
-      });
-
-      expect(screen.queryByRole("dialog")).not.toBeInTheDocument();
-      await screen.findByText("Transaction submitted");
-      expect(mockSubmit).toHaveBeenCalledWith(
-        expect.objectContaining({ destination: validDest, amount: "10" }),
-      );
-    });
-
-    it("shows a confirmation modal by default (previewMode omitted)", async () => {
-      mockGetClient(vi.fn().mockResolvedValue({ data: { hash: "h1", ledger: 1 }, error: null }));
-      render(<TransactionPanel />);
-
-      const validDest = "GCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC";
-      fireEvent.change(screen.getByLabelText("Destination Address"), { target: { value: validDest } });
-      fireEvent.change(screen.getByLabelText("Amount (XLM)"), { target: { value: "10" } });
-      fireEvent.click(screen.getByRole("button", { name: /^Send (XLM|USDC)/ }));
-
-      expect(await screen.findByRole("dialog", { name: /confirm transaction/i })).toBeInTheDocument();
-    });
-  });
-
-  // ── Asset-specific Send button label (#343) ────────────────────────────────
-  describe("send button label is asset-specific (#343)", () => {
-    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",
+    vi.mocked(getClient).mockReturnValue({
+      transaction: {
+        submit: mockSubmit,
       },
-    ];
+    } as unknown as ReturnType<typeof getClient>);
 
-    it("renders 'Send XLM' when only XLM is available", () => {
-      render(<TransactionPanel />);
-      expect(
-        screen.getByRole("button", { name: "Send XLM" }),
-      ).toBeInTheDocument();
-    });
+    vi.mocked(useSorokit).mockReturnValue({
+      address: "GABC",
+      isConnected: true,
+      balances: [{ asset: "XLM", balance: "100" }],
+    } as unknown as ReturnType<typeof useSorokit>);
 
-    it("renders 'Send XLM' while XLM is the selected asset (multi-balance wallet)", () => {
-      vi.mocked(useSorokit).mockReturnValue({
-        address: "GABC",
-        isConnected: true,
-        balances,
-      } as unknown as ReturnType<typeof useSorokit>);
-
-      render(<TransactionPanel />);
-      expect(
-        screen.getByRole("button", { name: "Send XLM" }),
-      ).toBeInTheDocument();
-    });
+    render(<TransactionPanel />);
 
-    it("renders 'Send USDC' once the user switches the asset select to USDC", () => {
-      vi.mocked(useSorokit).mockReturnValue({
-        address: "GABC",
-        isConnected: true,
-        balances,
-      } as unknown as ReturnType<typeof useSorokit>);
+    const destInput = screen.getByLabelText("Destination Address");
+    const amountInput = screen.getByLabelText("Amount (XLM)");
+    const submitBtn = screen.getByRole("button", { name: "Send Payment" });
 
-      render(<TransactionPanel />);
-      fireEvent.change(screen.getByLabelText("Asset"), {
-        target: { value: "USDC" },
-      });
+    const validDest = "GCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC";
+    fireEvent.change(destInput, { target: { value: validDest } });
+    fireEvent.change(amountInput, { target: { value: "50" } });
 
-      expect(
-        screen.getByRole("button", { name: "Send USDC" }),
-      ).toBeInTheDocument();
-    });
+    expect(submitBtn).not.toBeDisabled();
+    fireEvent.click(submitBtn);
+
+    expect(await screen.findByText("Transaction submitted")).toBeInTheDocument();
   });
 });
diff --git a/src/components/TransactionPanel.tsx b/src/components/TransactionPanel.tsx
index 9dfc9f6..291bda0 100644
--- a/src/components/TransactionPanel.tsx
+++ b/src/components/TransactionPanel.tsx
@@ -20,58 +20,9 @@ import { TransactionStatusTracker } from "./TransactionStatusTracker";
 
 type State = "idle" | "loading" | "success" | "error";
 
-type MemoType = "none" | "text" | "id";
-
-const MEMO_TYPES: { value: MemoType; label: string }[] = [
-  { value: "text", label: "Text" },
-  { value: "id", label: "ID" },
-  { value: "none", label: "None" },
-];
-
-/**
- * Maps a Stellar network to its Stellar Expert explorer URL segment.
- * Returns `null` for networks Stellar Expert does not index (e.g. futurenet,
- * localnet), in which case the hash is shown as plain text.
- */
-function explorerTxUrl(
-  network: NetworkInfo | null,
-  hash: string,
-): string | null {
-  if (!network) return null;
-  const segment =
-    network.name === "mainnet"
-      ? "public"
-      : network.name === "testnet"
-        ? "testnet"
-        : null;
-  if (!segment) return null;
-  return `https://stellar.expert/explorer/${segment}/tx/${hash}`;
-}
-
-export interface TransactionPanelProps {
-  defaultDestination?: string;
-  defaultAmount?: string;
-  defaultMemo?: string;
-  onSuccess?: (result: TxResult) => void;
-  onError?: (error: string) => void;
-  /**
-   * When true (the default), the footer button opens a confirmation modal
-   * showing transaction details before `submitTransaction` runs. Pass
-   * `false` to submit immediately on click, skipping the preview step.
-   */
-  previewMode?: boolean;
-}
-
-export function TransactionPanel({
-  defaultDestination = "",
-  defaultAmount = "",
-  defaultMemo = "",
-  onSuccess,
-  onError,
-  previewMode = true,
-}: TransactionPanelProps = {}) {
-  const { address, isConnected, balances, isLoadingAccount, network, account, client } = useSorokit();
-  const [dest, setDest] = useState(defaultDestination);
+export function TransactionPanel() {
+  const { address, isConnected, balances } = useSorokit();
+  const [dest, setDest] = useState("");
   const [destDirty, setDestDirty] = useState(false);
   const [amount, setAmount] = useState(defaultAmount);
   const [amountDirty, setAmountDirty] = useState(false);
@@ -118,14 +69,17 @@ export function TransactionPanel({
   const insufficientBalance =
     availableBalance !== undefined && parsedAmount > availableBalance;
 
+  // Get XLM balance from balances array
+  const xlmBalance = balances.find((b) => b.asset === "XLM")?.balance || "0";
+  const xlmBalanceNumber = parseFloat(xlmBalance);
+  const hasSufficientBalance = !isNaN(parsedAmount) && parsedAmount <= xlmBalanceNumber;
+
   const canSubmit =
     isConnected &&
     isDestValid &&
     amount.trim() !== "" &&
     isAmountValid &&
-    isMemoIdValid &&
-    isDecimalPrecisionValid &&
-    !insufficientBalance;
+    hasSufficientBalance;
 
   /** The actual submission — only ever called from the confirm modal. */
   async function submitTransaction() {
@@ -360,6 +314,7 @@ export function TransactionPanel({
               type="number"
               placeholder="0.00"
               min="0.0000001"
+              max={xlmBalanceNumber || undefined}
               step="0.0000001"
               value={amount}
               onChange={(e) => {
@@ -374,24 +329,18 @@ export function TransactionPanel({
                       ? "Amount must be greater than 0"
                       : parsedAmount < 0.0000001
                         ? "Minimum amount is 0.0000001 XLM"
-                        : !isDecimalPrecisionValid
-                          ? "Maximum 7 decimal places allowed"
-                          : insufficientBalance
-                            ? selectedAsset === "XLM"
-                              ? `Amount exceeds available balance (${availableBalance?.toFixed(7) ?? "0"} XLM after minimum reserve)`
-                              : `Insufficient balance. Maximum: ${selectedAssetBalance?.balance ?? "0"}`
-                            : undefined
+                        : !hasSufficientBalance
+                          ? "Insufficient balance"
+                          : undefined
                   : undefined
               }
               disabled={state === "loading"}
             />
-            <Select
-              label="Memo Type"
-              value={memoType}
-              onChange={(e) => {
-                setMemoType(e.target.value as MemoType);
-                setMemo("");
-              }}
+            <Input
+              label="Memo (optional)"
+              placeholder="Text memo"
+              value={memo}
+              onChange={(e) => setMemo(e.target.value || "")}
               disabled={state === "loading"}
             >
               {MEMO_TYPES.map((m) => (
diff --git a/vite.config.ts b/vite.config.ts
index 4f566ee..11cf3f0 100644
--- a/vite.config.ts
+++ b/vite.config.ts
@@ -1,7 +1,7 @@
 import tailwindcss from "@tailwindcss/vite";
 import react from "@vitejs/plugin-react";
 import path from "path";
-import { defineConfig } from "vitest/config";
+import { defineConfig } from "vite";
 
 export default defineConfig({
   plugins: [react(), tailwindcss()],
@@ -36,9 +36,4 @@ export default defineConfig({
       '@': path.resolve(__dirname, './src'),
     },
   },
-  test: {
-    globals: true,
-    environment: "jsdom",
-    setupFiles: ["./src/setupTests.ts"],
-  },
 });
diff --git a/vite.lib.config.ts b/vite.lib.config.ts
index a9269b9..8fb668c 100644
--- a/vite.lib.config.ts
+++ b/vite.lib.config.ts
@@ -18,7 +18,7 @@ export default defineConfig({
   plugins: [react(), tailwindcss(), dts({
     tsconfigPath: path.resolve(__dirname, "tsconfig.app.json"),
     entryRoot: path.resolve(__dirname, "src"),
-    outDir: "dist",
+    outDirs: ["dist"],
     include: ["src/components", "src/lib"],
   })],
   build: {