fix: the recipient warning says what it checked and skips addresses that have received ETH (closes #528)

The transaction count the node reports is what an address has sent, so
an address that only receives, such as a savings address, got the "ZERO
transaction history" box on every send. The check now also asks the node
for the recipient's balance and warns only when both are zero. The box
says the address has never sent a transaction and holds no ETH, naming
the active network's native token as the contract warning does.

Model: opus-5-5

src/shared/addressWarnings.js

@@ -51,7 +51,8 @@ function getLocalWarnings(address, options = {}) {
 
 /**
  * Check an address against local lists AND via RPC queries.
- * Async — performs network calls to check contract status and tx history.
+ * Async — performs network calls to check contract status, tx count and
+ * balance.
  *
  * @param {string} address - The target address to check.
  * @param {object} provider - An ethers.js provider instance.
@@ -78,21 +79,30 @@ async function getFullWarnings(address, provider, options = {}) {
         log.errorf("contract check failed:", e.shortMessage || e.message);
     }
 
-    // Skip tx count check for contracts — they may legitimately have
-    // zero inbound EOA transactions.
+    // The transaction count is the number of transactions the address has
+    // sent, so an address that has only ever received has a count of zero.
+    // Native token it received stays in its balance until it sends a
+    // transaction, so the warning also needs a zero balance. A contract is
+    // skipped: it has its own warning above.
     if (!isContract) {
         try {
             const txCount = await provider.getTransactionCount(address);
             if (txCount === 0) {
-                warnings.push({
-                    type: "new-address",
-                    message:
-                        "This address has never sent a transaction. Double-check it is correct.",
-                    severity: "info",
-                });
+                const balance = await provider.getBalance(address);
+                if (balance === 0n) {
+                    warnings.push({
+                        type: "new-address",
+                        message:
+                            "This address has never sent a transaction and holds none of the network's native token. Double-check it is correct.",
+                        severity: "info",
+                    });
+                }
             }
         } catch (e) {
-            log.errorf("tx count check failed:", e.shortMessage || e.message);
+            log.errorf(
+                "tx count or balance check failed:",
+                e.shortMessage || e.message,
+            );
         }
     }