fix(wallet): the Lightning funding gate states the node's real channel state

"LND thinks I do not have a channel" while the wallet showed plenty of
liquidity (framework-pt, 2026-09-01): the send gate sums outbound over
FULLY-OPEN channels only, which is correct — a just-opened channel
sits in LND's pending list until it has ~3 confirmations, and an
open channel can have all its balance on the far side — but the modal
then claimed the node had NO channel at all, in every one of those
states, and pointed the user at opening another one.

The gate already fetched the full channel list; it now records WHY
liquidity is zero and the modal says the truth per state:
- pending channels -> "your new channel is waiting for on-chain
  confirmations, it unlocks automatically, nothing is needed from you"
  (and no "Open a channel" button — that would send the user to fix
  a problem they don't have, possibly opening a second channel)
- open channels, zero on the needed side -> "balance is on the far
  side — you can receive but there's nothing to send right now"
- payment refused with a routing/liquidity error -> says so, instead
  of claiming no channels
- only a genuinely channel-less node keeps the open-one guidance

Eleven unit tests pin the state machine, including the regression
case (pending-only -> 'pending', not 'none') and fail-open on RPC
errors.

neode-ui/src/components/LightningRequiredModal.vue

@@ -10,7 +10,32 @@
     z-index="z-[3600]"
     @close="onClose"
   >
-    <p v-if="lightning.status.value === 'no-funds'" class="text-sm text-white/70 leading-relaxed">
+    <p v-if="lightning.status.value === 'no-funds' && lightning.fundingReason.value === 'pending'" class="text-sm text-white/70 leading-relaxed">
+      Your new channel is <span class="text-white/90">waiting for its on-chain confirmations</span> —
+      that's why the network doesn't see it yet. It unlocks automatically once
+      confirmed (usually within about half an hour); nothing is needed from
+      you. This screen will work as soon as it lands.
+    </p>
+    <p v-else-if="lightning.status.value === 'no-funds' && lightning.fundingReason.value === 'far-side'" class="text-sm text-white/70 leading-relaxed">
+      <template v-if="lightning.fundingDirection.value === 'receive'">
+        You have channels, but <span class="text-white/90">all the balance is on your side</span> —
+        you can send, but there's nothing to be paid into right now. Receive a
+        payment by spending first, or open another channel to bring inbound
+        liquidity in.
+      </template>
+      <template v-else>
+        You have channels, but <span class="text-white/90">all the balance is on the far side</span> —
+        you can receive, but there's nothing to send right now. Someone has to
+        pay you first (or rebalance the channel), and sending unlocks on its own.
+      </template>
+    </p>
+    <p v-else-if="lightning.status.value === 'no-funds' && lightning.fundingReason.value === 'failed-payment'" class="text-sm text-white/70 leading-relaxed">
+      LND couldn't route this payment — most often there's
+      <span class="text-white/90">not enough outbound for this amount</span>, or no
+      route to the recipient at the fees offered. Smaller amounts sometimes
+      get through; check the channels screen to see what's actually spendable.
+    </p>
+    <p v-else-if="lightning.status.value === 'no-funds'" class="text-sm text-white/70 leading-relaxed">
       Your Lightning node is running, but it has no payment channel yet.
       <template v-if="lightning.fundingDirection.value === 'receive'">
         Receiving needs <span class="text-white/90">inbound liquidity</span> — a
@@ -101,14 +126,31 @@
         @click="openApps"
       >Open My Apps</button>
       <template v-else-if="lightning.status.value === 'no-funds'">
-        <button
-          class="flex-1 glass-button px-4 py-2 rounded-lg text-sm"
-          @click="openSetupGuide"
-        >Setup Guide</button>
-        <button
-          class="flex-1 glass-button glass-button-warning px-4 py-2 rounded-lg text-sm font-medium"
-          @click="openLightningSetup"
-        >Open a channel</button>
+        <!-- A confirming channel needs no action at all — offering "open a
+             channel" here would send the user to fix a problem they don't
+             have (and possibly open a second one). -->
+        <template v-if="lightning.fundingReason.value === 'pending'">
+          <button
+            class="flex-1 glass-button px-4 py-2 rounded-lg text-sm"
+            @click="onClose"
+          >Got it — I'll wait</button>
+        </template>
+        <template v-else>
+          <button
+            class="flex-1 glass-button px-4 py-2 rounded-lg text-sm"
+            @click="openSetupGuide"
+          >Setup Guide</button>
+          <button
+            v-if="lightning.fundingReason.value !== 'failed-payment'"
+            class="flex-1 glass-button glass-button-warning px-4 py-2 rounded-lg text-sm font-medium"
+            @click="openLightningSetup"
+          >Open a channel</button>
+          <button
+            v-else
+            class="flex-1 glass-button px-4 py-2 rounded-lg text-sm"
+            @click="onClose"
+          >Close</button>
+        </template>
       </template>
     </div>
   </BaseModal>
@@ -155,7 +197,12 @@ const nodes: NodeChoice[] = [
 const router = useRouter()
 
 const modalTitle = computed(() => {
-  if (lightningStatusIs('no-funds')) return 'You need a Lightning channel'
+  if (lightningStatusIs('no-funds')) {
+    if (lightning.fundingReason.value === 'pending') return 'Channel confirming…'
+    if (lightning.fundingReason.value === 'far-side') return 'Balance is on the far side'
+    if (lightning.fundingReason.value === 'failed-payment') return 'Payment couldn\u2019t route'
+    return 'You need a Lightning channel'
+  }
   if (lightningStatusIs('stopped')) return 'Lightning node not running'
   return 'Lightning node required'
 })