diff --git a/neode-ui/src/views/Home.vue b/neode-ui/src/views/Home.vue
index 5f8ca3a1..45fdf8de 100644
--- a/neode-ui/src/views/Home.vue
+++ b/neode-ui/src/views/Home.vue
@@ -359,6 +359,7 @@ const line2Text = computed(() => showWelcomeBlock.value ? displayLine2.value : L
 onBeforeUnmount(() => {
   if (typingInterval) clearInterval(typingInterval)
   if (systemStatsInterval) clearInterval(systemStatsInterval)
+  if (walletRefreshInterval) clearInterval(walletRefreshInterval)
 })
 
 watch(() => loginTransition.pendingWelcomeTyping, (pending) => { if (pending) showWelcomeBlock.value = true })
@@ -519,6 +520,10 @@ const cloudFolderDisplay = computed(() => cloudFolderCount.value !== null ? Stri
 onMounted(async () => {
   try { const usage = await fileBrowserClient.getUsage(); cloudStorageUsed.value = usage.totalSize; cloudFolderCount.value = usage.folderCount } catch { /* not running */ }
   loadSystemStats(); systemStatsInterval = setInterval(loadSystemStats, 10000); checkUpdateStatus(); loadWeb5Status()
+  // Poll wallet balances/transactions like Web5.vue does — without this a
+  // pending on-chain receive (or a fresh instant payment) only shows up
+  // after a manual wallet action or a remount.
+  walletRefreshInterval = setInterval(loadWeb5Status, 30000)
 })
 
 // Wallet modals
@@ -594,6 +599,7 @@ const systemStats = computed(() => ({
 const systemUptimeDisplay = computed(() => { if (homeStatus.stats.uptimeSecs === 0) return t('home.systemMonitoring'); const days = Math.floor(homeStatus.stats.uptimeSecs / 86400); const hours = Math.floor((homeStatus.stats.uptimeSecs % 86400) / 3600); if (days > 0) return `Uptime: ${days}d ${hours}h`; const mins = Math.floor((homeStatus.stats.uptimeSecs % 3600) / 60); return `Uptime: ${hours}h ${mins}m` })
 
 let systemStatsInterval: ReturnType<typeof setInterval> | null = null
+let walletRefreshInterval: ReturnType<typeof setInterval> | null = null
 
 async function loadSystemStats() {
   await homeStatus.refresh(packages.value)
diff --git a/neode-ui/src/views/home/HomeWalletCard.vue b/neode-ui/src/views/home/HomeWalletCard.vue
index f2b6bd4c..c9c37fbf 100644
--- a/neode-ui/src/views/home/HomeWalletCard.vue
+++ b/neode-ui/src/views/home/HomeWalletCard.vue
@@ -67,15 +67,16 @@
               <div
                 v-for="tx in incomingTransactions"
                 :key="tx.tx_hash"
-                class="flex items-center justify-between gap-3 px-4 py-3 hover:bg-white/5 cursor-pointer transition-colors"
-                @click="$emit('openInMempool', tx.tx_hash)"
+                class="flex items-center justify-between gap-3 px-4 py-3 hover:bg-white/5 transition-colors"
+                :class="isOnchain(tx) ? 'cursor-pointer' : ''"
+                @click="isOnchain(tx) && $emit('openInMempool', tx.tx_hash)"
               >
                 <div class="flex items-center gap-3 min-w-0 flex-1">
                   <div
                     class="w-7 h-7 rounded-full flex items-center justify-center shrink-0"
-                    :class="tx.num_confirmations === 0 ? 'bg-yellow-500/15' : 'bg-green-500/15'"
+                    :class="isOnchain(tx) && tx.num_confirmations === 0 ? 'bg-yellow-500/15' : 'bg-green-500/15'"
                   >
-                    <svg class="w-3.5 h-3.5" :class="tx.num_confirmations === 0 ? 'text-yellow-400' : 'text-green-400'" fill="none" stroke="currentColor" viewBox="0 0 24 24">
+                    <svg class="w-3.5 h-3.5" :class="isOnchain(tx) && tx.num_confirmations === 0 ? 'text-yellow-400' : 'text-green-400'" fill="none" stroke="currentColor" viewBox="0 0 24 24">
                       <path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 14l-7 7m0 0l-7-7m7 7V3" />
                     </svg>
                   </div>
@@ -83,18 +84,25 @@
                     <div class="flex items-center gap-2">
                       <span class="text-sm font-medium text-green-400">+{{ tx.amount_sats.toLocaleString() }} sats</span>
                       <span
+                        v-if="isOnchain(tx)"
                         class="text-[10px] px-1.5 py-0.5 rounded-full font-medium"
                         :class="tx.num_confirmations === 0 ? 'bg-yellow-500/15 text-yellow-400' : 'bg-green-500/15 text-green-400'"
                       >
                         {{ tx.num_confirmations === 0 ? 'Unconfirmed' : tx.num_confirmations + ' conf' }}
                       </span>
+                      <span
+                        v-else
+                        class="text-[10px] px-1.5 py-0.5 rounded-full font-medium bg-green-500/15 text-green-400"
+                      >
+                        {{ railBadge(tx) }}
+                      </span>
                     </div>
                     <p class="text-[11px] text-white/40 font-mono truncate mt-0.5">{{ tx.tx_hash }}</p>
                   </div>
                 </div>
                 <div class="flex items-center gap-2 shrink-0">
                   <span class="text-[11px] text-white/40">{{ formatTxTime(tx.time_stamp) }}</span>
-                  <svg class="w-3.5 h-3.5 text-white/30" fill="none" stroke="currentColor" viewBox="0 0 24 24">
+                  <svg v-if="isOnchain(tx)" class="w-3.5 h-3.5 text-white/30" fill="none" stroke="currentColor" viewBox="0 0 24 24">
                     <path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M10 6H6a2 2 0 00-2 2v10a2 2 0 002 2h10a2 2 0 002-2v-4M14 4h6m0 0v6m0-6L10 14" />
                   </svg>
                 </div>
@@ -181,7 +189,7 @@
 </template>
 
 <script setup lang="ts">
-import { ref, computed } from 'vue'
+import { ref, computed, onMounted, onUnmounted } from 'vue'
 import { useI18n } from 'vue-i18n'
 
 const { t } = useI18n()
@@ -224,11 +232,36 @@ defineEmits<{
 
 const showIncomingTxPanel = ref(false)
 
+function isOnchain(tx: WalletTransaction): boolean {
+  return !tx.kind || tx.kind === 'onchain'
+}
+
+// Instant rails (lightning/cashu/fedimint/ark) settle immediately — there is
+// no confirmation to wait for, so they only get the "incoming" treatment for
+// a short window after receipt instead of sitting in the badge forever.
+const INSTANT_INCOMING_WINDOW_SECS = 5 * 60
+const nowSecs = ref(Math.floor(Date.now() / 1000))
+let nowTimer: ReturnType<typeof setInterval> | null = null
+onMounted(() => { nowTimer = setInterval(() => { nowSecs.value = Math.floor(Date.now() / 1000) }, 30000) })
+onUnmounted(() => { if (nowTimer) clearInterval(nowTimer) })
+
 const incomingTransactions = computed(() =>
-  props.walletTransactions.filter(tx => tx.direction === 'incoming' && tx.num_confirmations < 3)
+  props.walletTransactions.filter(tx => {
+    if (tx.direction !== 'incoming') return false
+    if (isOnchain(tx)) return tx.num_confirmations < 3
+    return nowSecs.value - tx.time_stamp < INSTANT_INCOMING_WINDOW_SECS
+  })
 )
 const incomingTxCount = computed(() => incomingTransactions.value.length)
 
+function railBadge(tx: WalletTransaction): string {
+  if (tx.kind === 'lightning') return '⚡ Instant'
+  if (tx.kind === 'cashu') return 'Cashu'
+  if (tx.kind === 'fedimint') return 'Fedimint'
+  if (tx.kind === 'ark') return 'Ark'
+  return ''
+}
+
 function formatTxTime(timestamp: number): string {
   if (!timestamp) return ''
   const date = new Date(timestamp * 1000)