fix: count the network fee in the confirm-screen balance check (closes #154)

README.md

@@ -652,16 +652,26 @@ of it.
     - To: blockie + color dot + full address + etherscan link + ENS name
     - Amount: value + symbol (USD in parentheses)
     - Your balance: value + symbol (USD in parentheses)
-    - Estimated network fee: "Estimating..." then the ETH amount (USD in
+    - Network fee: "Estimating..." then two lines, or "Unable to estimate",
-      parentheses) or "Unable to estimate", fetched async
+      fetched async. The first line is what the transfer is expected to cost,
+      `gasLimit * gasPrice` (USD in parentheses); the second is the
+      `gasLimit * maxFeePerGas` reserve the node requires, which is what the
+      balance check gates on. The second line is omitted on a network with no
+      type-2 pricing, where the two are the same number, but its space is
+      reserved either way
     - Warnings: inline warnings from the local checks (scam address, self-send)
       plus four reserved warning boxes made visible by the async checks —
       recipient with no transaction history, recipient is a contract, burn
       address, and an Etherscan phishing/scam label
-    - Errors (insufficient balance)
+    - Errors (insufficient balance), plus three reserved error boxes — the
+      amount plus the fee exceeds the balance (ETH transfers), not enough ETH to
+      pay the fee for the transfer (ERC-20 transfers), and the fee could not be
+      estimated. The first two are mutually exclusive per transfer type, so only
+      the applicable one holds space
     - Password: an inline field on this screen, not a modal, with its own error
       line
-    - "Sign & Send" button (disabled if errors)
+    - "Sign & Send" button (disabled if errors, and while the network fee
+      estimate is pending or unavailable)
 - **Transitions**:
     - "Sign & Send" (correct password) → broadcast tx → **WaitTx**
     - "Sign & Send" (correct password) → broadcast fails → **ErrorTx**

TODO.md

@@ -55,6 +55,11 @@ undefined identifiers, which is how
 - 2026-08-11: UTC Timestamps checkbox moved from the Token Spam Protection well
   into Display, next to the theme selector
   ([#212](https://git.eeqj.de/sneak/AutistMask/issues/212)).
+- 2026-08-11: Network fee counted in the confirmation-screen balance check for
+  both ETH and ERC-20 sends, reserving what the node actually charges a type-2
+  transaction, with the arithmetic in a pure, unit-tested
+  `src/shared/txValidation.js`
+  ([#154](https://git.eeqj.de/sneak/AutistMask/issues/154)).
 - 2026-08-11: A dust threshold of `0` now means "hide nothing" instead of
   falling back to the 100,000 gwei default, and every address comparison in
   `src/shared/transactions.js` goes through one case-normalising helper so a

docs/README.md

@@ -269,7 +269,10 @@ The confirmation screen shows:
 - **From and To addresses** with identicons and Etherscan links
 - **Amount** with USD estimate
 - **Your current balance** with USD estimate
-- **Estimated network fee** in ETH with USD estimate
+- **Network fee** — what the transfer is expected to cost, in ETH with a USD
+  estimate, and below it the larger amount reserved until it confirms. The
+  reserve is what the network requires up front and what the balance check gates
+  on; the refund of the difference is why the two differ
 - **Warnings** if the recipient is a contract, a burn address, one of your own
   addresses, on the bundled scam-address list, or labelled as a phisher on
   Etherscan

src/popup/index.html

@@ -584,10 +584,18 @@
                     <div id="confirm-balance" class="text-xs"></div>
                 </div>
                 <div id="confirm-fee" class="mb-3" style="visibility: hidden">
-                    <div class="text-xs text-muted mb-1">
+                    <div class="text-xs text-muted mb-1">Network fee</div>
-                        Estimated network fee
-                    </div>
                     <div id="confirm-fee-amount" class="text-xs"></div>
+                    <!-- Holds its one line of space from the first paint, so
+                    the reserve appearing when the estimate lands moves
+                    nothing. The placeholder is never seen. -->
+                    <div
+                        id="confirm-fee-reserve"
+                        class="text-xs text-muted"
+                        style="visibility: hidden"
+                    >
+                        reserve pending
+                    </div>
                 </div>
                 <div
                     id="confirm-warnings"
@@ -649,6 +657,31 @@
                     class="mb-2 border border-border border-dashed p-2"
                     style="visibility: hidden; min-height: 1.25rem"
                 ></div>
+                <div
+                    id="confirm-amount-fee-error"
+                    class="mb-2 border border-border border-dashed p-2 text-xs"
+                    style="visibility: hidden"
+                >
+                    Your balance does not cover this amount plus the network
+                    fee. Please go back and send a smaller amount.
+                </div>
+                <div
+                    id="confirm-gas-error"
+                    class="mb-2 border border-border border-dashed p-2 text-xs"
+                    style="visibility: hidden"
+                >
+                    You do not have enough ETH to pay the network fee for this
+                    transfer. Please add ETH to this address and try again.
+                </div>
+                <div
+                    id="confirm-fee-unknown-error"
+                    class="mb-2 border border-border border-dashed p-2 text-xs"
+                    style="visibility: hidden"
+                >
+                    The network fee could not be estimated, so this transaction
+                    cannot be checked against your balance. Please go back and
+                    try again.
+                </div>
                 <div class="mb-2">
                     <label class="block mb-1 text-xs">Password</label>
                     <input

src/popup/views/confirmTx.js

@@ -32,11 +32,24 @@ const {
     getFullWarnings,
 } = require("../../shared/addressWarnings");
 const { ERC20_ABI, isBurnAddress } = require("../../shared/constants");
+const {
+    CODES,
+    FEE_PENDING,
+    FEE_KNOWN,
+    FEE_UNAVAILABLE,
+    feeReserveWei,
+    feeEstimateWei,
+    validateTransfer,
+} = require("../../shared/txValidation");
 const { log } = require("../../shared/log");
 const makeBlockie = require("ethereum-blockies-base64");
 const txStatus = require("./txStatus");
 
 let pendingTx = null;
+// Network fee for the transaction currently on screen. Reset by show() and
+// filled in by estimateGas() when the estimate resolves or fails.
+let feeStatus = FEE_PENDING;
+let feeWei = null;
 
 function restore() {
     const d = state.viewData;
@@ -67,6 +80,8 @@ function valueWithUsd(text, usdAmount) {
 
 function show(txInfo) {
     pendingTx = txInfo;
+    feeStatus = FEE_PENDING;
+    feeWei = null;
 
     const isErc20 = txInfo.token !== "ETH";
     const symbol = isErc20 ? txInfo.tokenSymbol || "?" : "ETH";
@@ -153,50 +168,14 @@ function show(txInfo) {
         warningsEl.style.visibility = "hidden";
     }
 
-    // Check for errors
+    // The two fee messages are mutually exclusive per transaction type, and
-    const errors = [];
+    // the type is known here, before the first paint. Drop the one that can
-    if (isErc20) {
+    // never apply and reserve the space of the one that can, so the async
-        const tokenBal = parseFloat(txInfo.tokenBalance || "0");
+    // estimate landing later never moves anything.
-        if (parseFloat(txInfo.amount) > tokenBal) {
+    $("confirm-amount-fee-error").classList.toggle("hidden", isErc20);
-            errors.push(
+    $("confirm-gas-error").classList.toggle("hidden", !isErc20);
-                "Insufficient " +
-                    symbol +
-                    " balance. You have " +
-                    txInfo.tokenBalance +
-                    " " +
-                    symbol +
-                    " but are trying to send " +
-                    txInfo.amount +
-                    " " +
-                    symbol +
-                    ".",
-            );
-        }
-    } else if (parseFloat(txInfo.amount) > parseFloat(txInfo.balance)) {
-        errors.push(
-            "Insufficient balance. You have " +
-                txInfo.balance +
-                " ETH but are trying to send " +
-                txInfo.amount +
-                " ETH.",
-        );
-    }
 
-    const errorsEl = $("confirm-errors");
+    renderValidation(txInfo);
-    const sendBtn = $("btn-confirm-send");
-    if (errors.length > 0) {
-        errorsEl.innerHTML = errors
-            .map((e) => `<div class="text-xs">${e}</div>`)
-            .join("");
-        errorsEl.style.visibility = "visible";
-        sendBtn.disabled = true;
-        sendBtn.classList.add("text-muted");
-    } else {
-        errorsEl.innerHTML = "";
-        errorsEl.style.visibility = "hidden";
-        sendBtn.disabled = false;
-        sendBtn.classList.remove("text-muted");
-    }
 
     // Reset password field and error
     $("confirm-tx-password").value = "";
@@ -205,6 +184,7 @@ function show(txInfo) {
     // Gas estimate — show placeholder then fetch async
     $("confirm-fee").style.visibility = "visible";
     $("confirm-fee-amount").textContent = "Estimating...";
+    setVisible("confirm-fee-reserve", false);
     state.viewData = { pendingTx: txInfo };
     showView("confirm-tx");
     attachCopyHandlers("view-confirm-tx");
@@ -224,11 +204,101 @@ function show(txInfo) {
     checkRecipientHistory(txInfo);
 }
 
+// Render the balance check for the transaction on screen. Called once during
+// show() and again when the fee estimate resolves or fails. Every element it
+// touches already occupies its space, so re-running it never moves anything.
+function renderValidation(txInfo) {
+    const isErc20 = txInfo.token !== "ETH";
+    const symbol = isErc20 ? txInfo.tokenSymbol || "?" : "ETH";
+
+    const { canSend, codes } = validateTransfer({
+        isErc20,
+        amount: txInfo.amount,
+        ethBalance: txInfo.balance,
+        tokenBalance: txInfo.tokenBalance,
+        feeStatus,
+        feeWei,
+    });
+
+    // Messages carrying the user's own numbers are built here; the fixed
+    // sentences live in the reserved elements in index.html.
+    const messages = [];
+    if (codes.includes(CODES.AMOUNT_INVALID)) {
+        messages.push("Please enter a valid amount to send.");
+    }
+    if (codes.includes(CODES.INSUFFICIENT_TOKEN)) {
+        messages.push(
+            "Insufficient " +
+                symbol +
+                " balance. You have " +
+                txInfo.tokenBalance +
+                " " +
+                symbol +
+                " but are trying to send " +
+                txInfo.amount +
+                " " +
+                symbol +
+                ".",
+        );
+    }
+    if (codes.includes(CODES.INSUFFICIENT_ETH)) {
+        messages.push(
+            "Insufficient balance. You have " +
+                txInfo.balance +
+                " ETH but are trying to send " +
+                txInfo.amount +
+                " ETH.",
+        );
+    }
+
+    const errorsEl = $("confirm-errors");
+    if (messages.length > 0) {
+        errorsEl.innerHTML = messages
+            .map((m) => `<div class="text-xs">${escapeHtml(m)}</div>`)
+            .join("");
+        errorsEl.style.visibility = "visible";
+    } else {
+        errorsEl.innerHTML = "";
+        errorsEl.style.visibility = "hidden";
+    }
+
+    setVisible(
+        "confirm-amount-fee-error",
+        codes.includes(CODES.INSUFFICIENT_ETH_WITH_FEE),
+    );
+    setVisible(
+        "confirm-gas-error",
+        codes.includes(CODES.INSUFFICIENT_ETH_FOR_FEE),
+    );
+    setVisible(
+        "confirm-fee-unknown-error",
+        codes.includes(CODES.FEE_UNAVAILABLE),
+    );
+
+    // While the estimate is in flight there is no error to show — the fee
+    // line already reads "Estimating..." — but sending stays blocked so a
+    // transaction the fee would break cannot be signed in the meantime.
+    const sendBtn = $("btn-confirm-send");
+    sendBtn.disabled = !canSend;
+    sendBtn.classList.toggle("text-muted", !canSend);
+}
+
+function setVisible(id, visible) {
+    $(id).style.visibility = visible ? "visible" : "hidden";
+}
+
+// A fee in wei as an ETH string, truncated to 6 decimal places.
+function formatFeeEth(wei) {
+    const parts = formatEther(wei).split(".");
+    const dec =
+        parts.length > 1 ? parts[1].slice(0, 6).replace(/0+$/, "") || "0" : "0";
+    return parts[0] + "." + dec + " ETH";
+}
+
 async function estimateGas(txInfo) {
     try {
         const provider = getProvider(state.rpcUrl);
         const feeData = await provider.getFeeData();
-        const gasPrice = feeData.gasPrice;
         let gasLimit;
 
         if (txInfo.token === "ETH") {
@@ -246,21 +316,55 @@ async function estimateGas(txInfo) {
             });
         }
 
-        const gasCostWei = gasLimit * gasPrice;
+        // What the node will require to be reserved, which is what the gate
-        const gasCostEth = formatEther(gasCostWei);
+        // must be: the send pins no fee fields, so it is broadcast as a
-        // Format to 6 significant decimal places
+        // type-2 transaction priced at maxFeePerGas.
-        const parts = gasCostEth.split(".");
+        const gasCostWei = feeReserveWei(gasLimit, feeData);
-        const dec =
+        if (gasCostWei === null) {
-            parts.length > 1
+            throw new Error("no usable gas price from the provider");
-                ? parts[1].slice(0, 6).replace(/0+$/, "") || "0"
+        }
-                : "0";
+        // What the transaction is expected to cost, which is a different and
-        const feeStr = parts[0] + "." + dec + " ETH";
+        // usually much smaller number. Both are shown: quoting only the
+        // reserve overstates the typical cost by roughly double on mainnet,
+        // and quoting only the estimate contradicts the balance check.
+        const estimateWei = feeEstimateWei(gasLimit, feeData);
+        // The user may have left this transaction while the estimate was in
+        // flight; a stale fee must not reach the screen or the balance check.
+        if (pendingTx !== txInfo) return;
+
         const ethPrice = getPrice("ETH");
-        const feeUsd = ethPrice ? parseFloat(gasCostEth) * ethPrice : null;
+        const usd = (wei) =>
-        $("confirm-fee-amount").textContent = valueWithUsd(feeStr, feeUsd);
+            ethPrice ? parseFloat(formatEther(wei)) * ethPrice : null;
+
+        if (estimateWei !== null && estimateWei < gasCostWei) {
+            $("confirm-fee-amount").textContent = valueWithUsd(
+                "~" + formatFeeEth(estimateWei),
+                usd(estimateWei),
+            );
+            $("confirm-fee-reserve").textContent =
+                "up to " + formatFeeEth(gasCostWei) + " reserved";
+            setVisible("confirm-fee-reserve", true);
+        } else {
+            // No spread to report: either there is no estimate, or the node
+            // quotes a gas price at or above maxFeePerGas, so the expected
+            // cost is not below the reserve. Show the reserve alone.
+            $("confirm-fee-amount").textContent = valueWithUsd(
+                formatFeeEth(gasCostWei),
+                usd(gasCostWei),
+            );
+            setVisible("confirm-fee-reserve", false);
+        }
+        feeStatus = FEE_KNOWN;
+        feeWei = gasCostWei;
+        renderValidation(txInfo);
     } catch (e) {
         log.errorf("gas estimation failed:", e.message);
+        if (pendingTx !== txInfo) return;
         $("confirm-fee-amount").textContent = "Unable to estimate";
+        setVisible("confirm-fee-reserve", false);
+        feeStatus = FEE_UNAVAILABLE;
+        feeWei = null;
+        renderValidation(txInfo);
     }
 }
 

src/shared/txValidation.js

@@ -0,0 +1,171 @@
+// Balance arithmetic for the transaction confirmation screen.
+//
+// Pure: no DOM, no network, no state. Everything is exact integer math on
+// 18-decimal fixed point (wei for ETH), so it can be unit tested directly
+// instead of through the confirmation view. The caller maps the returned
+// codes to the reserved message elements on the screen.
+//
+// Human decimal strings ("1.25") are scaled to 18 decimals for comparison.
+// That scale is independent of a token's own decimals: both the amount and
+// the token balance arrive as human decimal strings, so comparing them at a
+// common scale is exact.
+
+const { parseUnits } = require("ethers");
+
+const SCALE_DECIMALS = 18;
+
+// Whether the asynchronous fee estimate has arrived yet.
+const FEE_PENDING = "pending";
+const FEE_KNOWN = "known";
+const FEE_UNAVAILABLE = "unavailable";
+
+const CODES = {
+    // The amount is not a non-negative number we can do exact arithmetic on.
+    AMOUNT_INVALID: "amount-invalid",
+    // ERC-20: the token amount exceeds the token balance.
+    INSUFFICIENT_TOKEN: "insufficient-token",
+    // ETH: the amount alone already exceeds the ETH balance.
+    INSUFFICIENT_ETH: "insufficient-eth",
+    // ETH: the amount fits, the amount plus the network fee does not.
+    INSUFFICIENT_ETH_WITH_FEE: "insufficient-eth-with-fee",
+    // ERC-20: the token balance covers the transfer, the ETH balance does
+    // not cover the network fee it costs.
+    INSUFFICIENT_ETH_FOR_FEE: "insufficient-eth-for-fee",
+    // The fee estimate has not arrived yet.
+    FEE_PENDING: "fee-pending",
+    // The fee estimate failed. Unknown is never treated as zero.
+    FEE_UNAVAILABLE: "fee-unavailable",
+};
+
+// The fee that must be reserved for a transaction, in wei: the amount the
+// node will require, not the amount the transaction is expected to cost.
+//
+// A send that pins no fee fields is populated by ethers as a type-2
+// (EIP-1559) transaction, and a node validates that against
+// `value + gasLimit * maxFeePerGas`. ethers derives maxFeePerGas as
+// `baseFeePerGas * 2 + maxPriorityFeePerGas`, so reserving `gasPrice`
+// (roughly `baseFee + tip`) under-reserves by about `gasLimit * baseFee` and
+// lets through a transaction the node then rejects with "insufficient funds
+// for gas * price + value". gasPrice is the fallback only for a network that
+// offers no type-2 pricing at all.
+//
+// Returns null when no usable price is available, which the caller must treat
+// as a failed estimate rather than as a free transaction.
+function feeReserveWei(gasLimit, feeData) {
+    if (typeof gasLimit !== "bigint" || gasLimit < 0n) return null;
+    const price = feeData?.maxFeePerGas ?? feeData?.gasPrice;
+    if (typeof price !== "bigint" || price < 0n) return null;
+    return gasLimit * price;
+}
+
+// What the transaction is expected to actually cost, in wei — not what must
+// be reserved for it. A type-2 transaction is charged `baseFee + tip` per gas
+// and refunded the rest of the cap, and `eth_gasPrice` reports roughly that,
+// so gasPrice is the estimate and maxFeePerGas is the reserve. On a network
+// with no type-2 pricing the two are the same number.
+//
+// Display only: nothing gates on this. Returns null on the same unusable
+// inputs as feeReserveWei().
+function feeEstimateWei(gasLimit, feeData) {
+    if (typeof gasLimit !== "bigint" || gasLimit < 0n) return null;
+    const price = feeData?.gasPrice ?? feeData?.maxFeePerGas;
+    if (typeof price !== "bigint" || price < 0n) return null;
+    return gasLimit * price;
+}
+
+// Scale a human decimal string to 18-decimal fixed point. Returns null when
+// the value is not a decimal number or carries more precision than the scale
+// can hold, which the caller must treat as unusable rather than as zero.
+function toFixedPoint(value) {
+    if (typeof value !== "string" && typeof value !== "number") return null;
+    const text = String(value).trim();
+    if (text === "") return null;
+    try {
+        return parseUnits(text, SCALE_DECIMALS);
+    } catch (e) {
+        return null;
+    }
+}
+
+// Validate a pending transfer against the balances that must cover it.
+//
+//   isErc20      — token transfer rather than a native ETH transfer
+//   amount       — human decimal string being sent, non-negative. Anything
+//                  else, a negative value included, is an unusable amount
+//                  rather than an amount that passes every comparison.
+//   ethBalance   — human decimal string, the sender's ETH balance
+//   tokenBalance — human decimal string, the sender's token balance
+//   feeStatus    — FEE_PENDING, FEE_KNOWN or FEE_UNAVAILABLE. Anything else
+//                  is treated as FEE_UNAVAILABLE.
+//   feeWei       — the fee reserve in wei from feeReserveWei(), as a
+//                  non-negative bigint, when FEE_KNOWN. Any other value makes
+//                  the fee unavailable rather than zero.
+//
+// Returns { canSend, codes }. Every code blocks sending: canSend is true
+// only when nothing was found.
+function validateTransfer({
+    isErc20 = false,
+    amount,
+    ethBalance,
+    tokenBalance,
+    feeStatus = FEE_PENDING,
+    feeWei = null,
+} = {}) {
+    const codes = [];
+
+    const amountFp = toFixedPoint(amount);
+    const ethFp = toFixedPoint(ethBalance) ?? 0n;
+
+    // A negative amount parses to a valid bigint, so every comparison below
+    // is trivially false and the send clears the screen — then dies at encode
+    // time in parseEther(). Unusable, on the same footing as a malformed fee.
+    if (amountFp === null || amountFp < 0n) {
+        codes.push(CODES.AMOUNT_INVALID);
+        return { canSend: false, codes };
+    }
+
+    // Fail closed. Anything that is not a usable fee under a recognised
+    // status — a malformed feeWei, or a status this module does not know —
+    // is an unavailable estimate, never a fee of zero. Every such input errs
+    // in the direction that lets money out, so none of them is trusted.
+    const known =
+        feeStatus === FEE_KNOWN && typeof feeWei === "bigint" && feeWei >= 0n;
+    let status = feeStatus;
+    if (feeStatus === FEE_KNOWN && !known) status = FEE_UNAVAILABLE;
+    if (status !== FEE_KNOWN && status !== FEE_PENDING) {
+        status = FEE_UNAVAILABLE;
+    }
+
+    const feeFp = known ? feeWei : null;
+
+    if (isErc20) {
+        const tokenFp = toFixedPoint(tokenBalance) ?? 0n;
+        if (amountFp > tokenFp) codes.push(CODES.INSUFFICIENT_TOKEN);
+        if (feeFp !== null && feeFp > ethFp) {
+            codes.push(CODES.INSUFFICIENT_ETH_FOR_FEE);
+        }
+    } else if (amountFp > ethFp) {
+        codes.push(CODES.INSUFFICIENT_ETH);
+    } else if (feeFp !== null && amountFp + feeFp > ethFp) {
+        codes.push(CODES.INSUFFICIENT_ETH_WITH_FEE);
+    }
+
+    // An unknown fee is never assumed to be zero: sending stays blocked
+    // until the estimate arrives, and stays blocked if it never does.
+    if (status === FEE_PENDING) codes.push(CODES.FEE_PENDING);
+    if (status === FEE_UNAVAILABLE) codes.push(CODES.FEE_UNAVAILABLE);
+
+    return { canSend: codes.length === 0, codes };
+}
+
+module.exports = {
+    CODES,
+    FEE_PENDING,
+    FEE_KNOWN,
+    FEE_UNAVAILABLE,
+    SCALE_DECIMALS,
+    feeReserveWei,
+    feeEstimateWei,
+    toFixedPoint,
+    validateTransfer,
+};

tests/txValidation.test.js

@@ -0,0 +1,357 @@
+const { parseEther } = require("ethers");
+const {
+    CODES,
+    FEE_PENDING,
+    FEE_KNOWN,
+    FEE_UNAVAILABLE,
+    feeReserveWei,
+    feeEstimateWei,
+    toFixedPoint,
+    validateTransfer,
+} = require("../src/shared/txValidation");
+
+// A plausible mainnet fee: 21000 gas at 20 gwei.
+const FEE = 21000n * 20000000000n; // 0.00042 ETH
+
+const GWEI = 1000000000n;
+const GAS_LIMIT = 21000n;
+
+describe("toFixedPoint", () => {
+    test("scales human decimals to 18 places", () => {
+        expect(toFixedPoint("1.5")).toBe(parseEther("1.5"));
+        expect(toFixedPoint("0")).toBe(0n);
+    });
+
+    test("rejects values it cannot represent exactly", () => {
+        expect(toFixedPoint("not a number")).toBe(null);
+        expect(toFixedPoint("")).toBe(null);
+        expect(toFixedPoint(null)).toBe(null);
+        // More precision than 18 decimals can hold.
+        expect(toFixedPoint("0.0000000000000000001")).toBe(null);
+    });
+});
+
+describe("validateTransfer, native ETH", () => {
+    const eth = (over) => ({
+        isErc20: false,
+        amount: "0.5",
+        ethBalance: "1.0",
+        feeStatus: FEE_KNOWN,
+        feeWei: FEE,
+        ...over,
+    });
+
+    test("allows a send comfortably within balance", () => {
+        const r = validateTransfer(eth());
+        expect(r).toEqual({ canSend: true, codes: [] });
+    });
+
+    test("blocks a send whose amount plus fee exceeds the balance", () => {
+        // The whole balance: passes an amount-only check, fails once the fee
+        // is counted. This is the bug this module exists to prevent.
+        const r = validateTransfer(eth({ amount: "1.0", ethBalance: "1.0" }));
+        expect(r.canSend).toBe(false);
+        expect(r.codes).toEqual([CODES.INSUFFICIENT_ETH_WITH_FEE]);
+    });
+
+    test("blocks a send left short by less than one fee", () => {
+        const balance = "1.0";
+        // One wei less headroom than the fee needs.
+        const amount = "0.99958000000000001"; // 1.0 - 0.00042 + 1e-17
+        const r = validateTransfer(eth({ amount, ethBalance: balance }));
+        expect(r.codes).toEqual([CODES.INSUFFICIENT_ETH_WITH_FEE]);
+    });
+
+    test("allows a send that leaves exactly the fee behind", () => {
+        const r = validateTransfer(
+            eth({ amount: "0.99958", ethBalance: "1.0" }),
+        );
+        expect(r).toEqual({ canSend: true, codes: [] });
+    });
+
+    test("reports plain insufficient balance when the amount alone is too big", () => {
+        const r = validateTransfer(eth({ amount: "2.0", ethBalance: "1.0" }));
+        expect(r.codes).toEqual([CODES.INSUFFICIENT_ETH]);
+    });
+
+    test("blocks while the fee estimate is still pending", () => {
+        const r = validateTransfer(
+            eth({ feeStatus: FEE_PENDING, feeWei: null }),
+        );
+        expect(r.canSend).toBe(false);
+        expect(r.codes).toEqual([CODES.FEE_PENDING]);
+    });
+
+    test("blocks when the fee estimate failed, without assuming zero", () => {
+        const r = validateTransfer(
+            eth({
+                amount: "1.0",
+                ethBalance: "1.0",
+                feeStatus: FEE_UNAVAILABLE,
+                feeWei: null,
+            }),
+        );
+        expect(r.canSend).toBe(false);
+        expect(r.codes).toEqual([CODES.FEE_UNAVAILABLE]);
+        // A zero fee would have let this exact transfer through.
+        expect(
+            validateTransfer(
+                eth({ amount: "1.0", ethBalance: "1.0", feeWei: 0n }),
+            ).canSend,
+        ).toBe(true);
+    });
+
+    test("still reports an over-balance amount before the estimate lands", () => {
+        const r = validateTransfer(
+            eth({
+                amount: "2.0",
+                ethBalance: "1.0",
+                feeStatus: FEE_PENDING,
+                feeWei: null,
+            }),
+        );
+        expect(r.codes).toEqual([CODES.INSUFFICIENT_ETH, CODES.FEE_PENDING]);
+    });
+
+    test("rejects an amount it cannot do exact arithmetic on", () => {
+        const r = validateTransfer(eth({ amount: "abc" }));
+        expect(r.canSend).toBe(false);
+        expect(r.codes).toEqual([CODES.AMOUNT_INVALID]);
+    });
+
+    test("rejects a negative amount", () => {
+        // A negative amount parses to a perfectly good bigint, so neither
+        // balance comparison can fire: both are trivially false against it.
+        // Left unblocked it clears the screen and then dies at encode time.
+        const r = validateTransfer(
+            eth({ amount: "-1", ethBalance: "1.0", feeWei: 861000000000000n }),
+        );
+        expect(r).toEqual({ canSend: false, codes: [CODES.AMOUNT_INVALID] });
+        expect(
+            validateTransfer(eth({ amount: "-0.000000000000000001" })),
+        ).toEqual({ canSend: false, codes: [CODES.AMOUNT_INVALID] });
+    });
+
+    test("treats a missing balance as zero, not as unlimited", () => {
+        const r = validateTransfer(eth({ ethBalance: undefined }));
+        expect(r.codes).toEqual([CODES.INSUFFICIENT_ETH]);
+    });
+});
+
+describe("validateTransfer, ERC-20", () => {
+    const erc20 = (over) => ({
+        isErc20: true,
+        amount: "100.0",
+        tokenBalance: "250.0",
+        ethBalance: "1.0",
+        feeStatus: FEE_KNOWN,
+        feeWei: FEE,
+        ...over,
+    });
+
+    test("allows a transfer with tokens to spend and ETH for the fee", () => {
+        expect(validateTransfer(erc20())).toEqual({ canSend: true, codes: [] });
+    });
+
+    test("checks the token amount against the token balance", () => {
+        const r = validateTransfer(erc20({ amount: "250.000001" }));
+        expect(r.codes).toEqual([CODES.INSUFFICIENT_TOKEN]);
+    });
+
+    test("does not charge the fee against the token balance", () => {
+        // The full token balance is sendable: the fee is paid in ETH.
+        expect(validateTransfer(erc20({ amount: "250.0" })).canSend).toBe(true);
+    });
+
+    test("blocks when the ETH balance does not cover the fee", () => {
+        const r = validateTransfer(erc20({ ethBalance: "0.0001" }));
+        expect(r.canSend).toBe(false);
+        expect(r.codes).toEqual([CODES.INSUFFICIENT_ETH_FOR_FEE]);
+    });
+
+    test("allows a fee exactly equal to the ETH balance", () => {
+        const r = validateTransfer(erc20({ ethBalance: "0.00042" }));
+        expect(r).toEqual({ canSend: true, codes: [] });
+    });
+
+    test("reports both shortfalls when tokens and ETH are both short", () => {
+        const r = validateTransfer(
+            erc20({ amount: "300.0", ethBalance: "0.0" }),
+        );
+        expect(r.codes).toEqual([
+            CODES.INSUFFICIENT_TOKEN,
+            CODES.INSUFFICIENT_ETH_FOR_FEE,
+        ]);
+    });
+
+    test("blocks while the fee estimate is pending or failed", () => {
+        expect(
+            validateTransfer(erc20({ feeStatus: FEE_PENDING, feeWei: null }))
+                .codes,
+        ).toEqual([CODES.FEE_PENDING]);
+        expect(
+            validateTransfer(
+                erc20({ feeStatus: FEE_UNAVAILABLE, feeWei: null }),
+            ).codes,
+        ).toEqual([CODES.FEE_UNAVAILABLE]);
+    });
+
+    test("rejects a negative token amount", () => {
+        const r = validateTransfer(
+            erc20({ amount: "-0.5", feeWei: 861000000000000n }),
+        );
+        expect(r).toEqual({ canSend: false, codes: [CODES.AMOUNT_INVALID] });
+    });
+
+    test("treats a missing token balance as zero", () => {
+        const r = validateTransfer(erc20({ tokenBalance: undefined }));
+        expect(r.codes).toEqual([CODES.INSUFFICIENT_TOKEN]);
+    });
+});
+
+// The reserve a node requires, not the fee the transaction is expected to
+// actually cost. An unpinned send goes out as type-2, and the node checks it
+// against maxFeePerGas; reserving gasPrice lets a transaction the node will
+// reject pass the gate.
+describe("feeReserveWei", () => {
+    // baseFee 20 gwei, tip 1 gwei: eth_gasPrice reports ~21 gwei, while
+    // ethers populates maxFeePerGas as baseFee * 2 + tip = 41 gwei.
+    const type2 = {
+        gasPrice: 21n * GWEI,
+        maxFeePerGas: 41n * GWEI,
+        maxPriorityFeePerGas: 1n * GWEI,
+    };
+
+    test("reserves gasLimit * maxFeePerGas, not gasLimit * gasPrice", () => {
+        expect(feeReserveWei(GAS_LIMIT, type2)).toBe(GAS_LIMIT * 41n * GWEI);
+        expect(feeReserveWei(GAS_LIMIT, type2)).toBe(861000000000000n);
+        // The number the node would not have accepted.
+        expect(feeReserveWei(GAS_LIMIT, type2)).not.toBe(441000000000000n);
+    });
+
+    test("gates out a send the type-2 reserve cannot fund", () => {
+        // Exactly fundable against a gasPrice reserve (0.999559 + 0.000441 is
+        // the whole balance to the wei), and short against the reserve the
+        // node will actually require.
+        const send = {
+            isErc20: false,
+            amount: "0.999559",
+            ethBalance: "1.0",
+            feeStatus: FEE_KNOWN,
+        };
+        expect(
+            validateTransfer({
+                ...send,
+                feeWei: GAS_LIMIT * type2.gasPrice,
+            }).canSend,
+        ).toBe(true);
+        const r = validateTransfer({
+            ...send,
+            feeWei: feeReserveWei(GAS_LIMIT, type2),
+        });
+        expect(r.canSend).toBe(false);
+        expect(r.codes).toEqual([CODES.INSUFFICIENT_ETH_WITH_FEE]);
+    });
+
+    test("falls back to gasPrice on a network with no type-2 pricing", () => {
+        const legacy = { gasPrice: 21n * GWEI, maxFeePerGas: null };
+        expect(feeReserveWei(GAS_LIMIT, legacy)).toBe(GAS_LIMIT * 21n * GWEI);
+    });
+
+    test("returns null when no usable price or gas limit is available", () => {
+        expect(feeReserveWei(GAS_LIMIT, { gasPrice: null })).toBe(null);
+        expect(feeReserveWei(GAS_LIMIT, {})).toBe(null);
+        expect(feeReserveWei(GAS_LIMIT, null)).toBe(null);
+        expect(feeReserveWei(21000, type2)).toBe(null);
+    });
+});
+
+// The display counterpart of the reserve: what the transaction is expected to
+// cost. Shown alongside the reserve so the screen neither contradicts the gate
+// nor quotes the user roughly double what they will pay.
+describe("feeEstimateWei", () => {
+    const type2 = {
+        gasPrice: 21n * GWEI,
+        maxFeePerGas: 41n * GWEI,
+        maxPriorityFeePerGas: 1n * GWEI,
+    };
+
+    test("estimates gasLimit * gasPrice, below the reserve", () => {
+        expect(feeEstimateWei(GAS_LIMIT, type2)).toBe(441000000000000n);
+        expect(feeReserveWei(GAS_LIMIT, type2)).toBe(861000000000000n);
+        expect(feeEstimateWei(GAS_LIMIT, type2)).toBeLessThan(
+            feeReserveWei(GAS_LIMIT, type2),
+        );
+    });
+
+    test("equals the reserve when the network has no type-2 pricing", () => {
+        const legacy = { gasPrice: 21n * GWEI, maxFeePerGas: null };
+        expect(feeEstimateWei(GAS_LIMIT, legacy)).toBe(
+            feeReserveWei(GAS_LIMIT, legacy),
+        );
+    });
+
+    test("falls back to maxFeePerGas when there is no gasPrice", () => {
+        const noLegacy = { gasPrice: null, maxFeePerGas: 41n * GWEI };
+        expect(feeEstimateWei(GAS_LIMIT, noLegacy)).toBe(
+            feeReserveWei(GAS_LIMIT, noLegacy),
+        );
+    });
+
+    test("returns null on the same unusable inputs as the reserve", () => {
+        expect(feeEstimateWei(GAS_LIMIT, {})).toBe(null);
+        expect(feeEstimateWei(GAS_LIMIT, null)).toBe(null);
+        expect(feeEstimateWei(GAS_LIMIT, { gasPrice: -1n })).toBe(null);
+        expect(feeEstimateWei(21000, type2)).toBe(null);
+    });
+});
+
+// Everything that is not a usable fee blocks exactly as FEE_UNAVAILABLE does.
+// Each of these previously returned { canSend: true, codes: [] } — counting no
+// fee at all, on a full-balance send, in the direction that lets money out.
+describe("validateTransfer, unusable fee input fails closed", () => {
+    const fullBalanceSend = (over) => ({
+        isErc20: false,
+        amount: "1.0",
+        ethBalance: "1.0",
+        ...over,
+    });
+
+    test("blocks a null fee claiming to be known", () => {
+        const r = validateTransfer(
+            fullBalanceSend({ feeStatus: FEE_KNOWN, feeWei: null }),
+        );
+        expect(r).toEqual({ canSend: false, codes: [CODES.FEE_UNAVAILABLE] });
+    });
+
+    test("blocks a known fee that is a number rather than a bigint", () => {
+        const r = validateTransfer(
+            fullBalanceSend({ feeStatus: FEE_KNOWN, feeWei: 420000000000000 }),
+        );
+        expect(r).toEqual({ canSend: false, codes: [CODES.FEE_UNAVAILABLE] });
+    });
+
+    test("blocks an unrecognised fee status", () => {
+        const r = validateTransfer(fullBalanceSend({ feeStatus: "bogus" }));
+        expect(r).toEqual({ canSend: false, codes: [CODES.FEE_UNAVAILABLE] });
+    });
+
+    test("blocks a negative fee", () => {
+        const r = validateTransfer(
+            fullBalanceSend({ feeStatus: FEE_KNOWN, feeWei: -1n }),
+        );
+        expect(r).toEqual({ canSend: false, codes: [CODES.FEE_UNAVAILABLE] });
+    });
+
+    test("blocks an ERC-20 transfer on an unusable fee too", () => {
+        const r = validateTransfer({
+            isErc20: true,
+            amount: "100.0",
+            tokenBalance: "250.0",
+            ethBalance: "1.0",
+            feeStatus: FEE_KNOWN,
+            feeWei: null,
+        });
+        expect(r).toEqual({ canSend: false, codes: [CODES.FEE_UNAVAILABLE] });
+    });
+});