diff --git a/components/navbar/Navbar.tsx b/components/navbar/Navbar.tsx
index 15044276..06d01b37 100644
--- a/components/navbar/Navbar.tsx
+++ b/components/navbar/Navbar.tsx
@@ -6,6 +6,7 @@ import { usePathname } from "next/navigation";
 import { SearchInput } from "./SearchInput";
 import { NetworkSwitcher } from "./NetworkSwitcher";
 import { WalletMenu } from "./WalletMenu";
+import { WalletBalance } from "./WalletBalance";
 import { ConnectWalletAction } from "./ConnectWalletAction";
 import { ConnectWalletModal } from "@/components/connect-wallet-modal";
 import { useWalletContext } from "@/context/WalletContext";
@@ -101,7 +102,10 @@ export function Navbar() {
                 Loading...
               </button>
             ) : connected ? (
-              <WalletMenu network={network} />
+              <div className="flex items-center gap-2">
+                <WalletBalance />
+                <WalletMenu network={network} />
+              </div>
             ) : (
               <button 
                 onClick={() => setIsWalletModalOpen(true)}
@@ -138,10 +142,13 @@ export function Navbar() {
               <span aria-hidden="true">...</span>
             </button>
           ) : connected ? (
-             <Avatar className="h-8 w-8 border border-slate-600">
-               <AvatarImage src={user?.avatarUrl} alt={user?.name} />
-               <AvatarFallback>{user?.name?.[0] || "U"}</AvatarFallback>
-             </Avatar>
+             <div className="flex items-center gap-2">
+               <WalletBalance className="hidden sm:flex" />
+               <Avatar className="h-8 w-8 border border-slate-600">
+                 <AvatarImage src={user?.avatarUrl} alt={user?.name} />
+                 <AvatarFallback>{user?.name?.[0] || "U"}</AvatarFallback>
+               </Avatar>
+             </div>
           ) : (
             <button
               onClick={() => setIsWalletModalOpen(true)}
diff --git a/components/navbar/WalletBalance.tsx b/components/navbar/WalletBalance.tsx
new file mode 100644
index 00000000..9dcb7639
--- /dev/null
+++ b/components/navbar/WalletBalance.tsx
@@ -0,0 +1,61 @@
+"use client";
+
+import React from "react";
+import { useWalletContext } from "@/context/WalletContext";
+import { useStellarBalance } from "@/hooks/useStellarBalance.hook";
+import { usePrivacy } from "@/context/PrivacyContext";
+import { maskAmount } from "@/utils/maskAmount";
+import { Wallet, EyeOff } from "lucide-react";
+
+function formatBalance(balance: string): string {
+  const num = parseFloat(balance);
+  if (isNaN(num)) return "0.00";
+  return num.toLocaleString(undefined, {
+    minimumFractionDigits: 2,
+    maximumFractionDigits: 2,
+  });
+}
+
+export function WalletBalance({ className = "" }: { className?: string }) {
+  const { address, connected } = useWalletContext();
+  const { balance, isLoading } = useStellarBalance(connected ? address : null);
+  const { hideBalances } = usePrivacy();
+
+  if (!connected || !address) return null;
+
+  if (isLoading && !balance) {
+    return (
+      <div
+        className={`flex items-center gap-1.5 px-3 py-1.5 rounded-lg bg-slate-800/50 animate-pulse ${className}`}
+        aria-label="Loading wallet balance"
+      >
+        <div className="h-3 w-16 bg-slate-700 rounded" />
+      </div>
+    );
+  }
+
+  if (hideBalances) {
+    return (
+      <div
+        className={`flex items-center gap-1.5 px-3 py-1.5 rounded-lg bg-slate-800/50 text-slate-400 text-sm font-mono ${className}`}
+        aria-label="Wallet balance hidden"
+      >
+        <Wallet className="h-3.5 w-3.5 text-cyan-400" aria-hidden="true" />
+        <span>{maskAmount(balance ?? "")}</span>
+        <EyeOff className="h-3 w-3 text-slate-500" aria-hidden="true" />
+      </div>
+    );
+  }
+
+  if (!balance) return null;
+
+  return (
+    <div
+      className={`flex items-center gap-1.5 px-3 py-1.5 rounded-lg bg-slate-800/50 text-slate-300 text-sm font-mono ${className}`}
+      aria-label={`Wallet balance: ${formatBalance(balance)} XLM`}
+    >
+      <Wallet className="h-3.5 w-3.5 text-cyan-400" aria-hidden="true" />
+      <span>{formatBalance(balance)} <span className="text-slate-500">XLM</span></span>
+    </div>
+  );
+}
diff --git a/components/navbar/__tests__/WalletBalance.test.tsx b/components/navbar/__tests__/WalletBalance.test.tsx
new file mode 100644
index 00000000..7301e528
--- /dev/null
+++ b/components/navbar/__tests__/WalletBalance.test.tsx
@@ -0,0 +1,131 @@
+import React from "react";
+import { render, screen } from "@testing-library/react";
+
+jest.mock("@/context/WalletContext", () => ({
+  useWalletContext: jest.fn(),
+}));
+
+jest.mock("@/hooks/useStellarBalance.hook", () => ({
+  useStellarBalance: jest.fn(),
+}));
+
+jest.mock("@/context/PrivacyContext", () => ({
+  usePrivacy: jest.fn(),
+}));
+
+jest.mock("@/utils/maskAmount", () => ({
+  maskAmount: jest.fn(() => "••••"),
+}));
+
+import { WalletBalance } from "../WalletBalance";
+import { useWalletContext } from "@/context/WalletContext";
+import { useStellarBalance } from "@/hooks/useStellarBalance.hook";
+import { usePrivacy } from "@/context/PrivacyContext";
+
+const mockUseWalletContext = useWalletContext as jest.Mock;
+const mockUseStellarBalance = useStellarBalance as jest.Mock;
+const mockUsePrivacy = usePrivacy as jest.Mock;
+
+function mockWalletConnected(address = "GA5C3TNI3KQY3Y3X3X3X3X3X3X3X3X3X3X3X3X3X3X") {
+  mockUseWalletContext.mockReturnValue({
+    address,
+    connected: true,
+    isLoading: false,
+  });
+}
+
+function mockWalletDisconnected() {
+  mockUseWalletContext.mockReturnValue({
+    address: null,
+    connected: false,
+    isLoading: false,
+  });
+}
+
+function mockBalance(balance: string | null, isLoading = false) {
+  mockUseStellarBalance.mockReturnValue({ balance, isLoading, error: null });
+}
+
+function mockLoadingBalance() {
+  mockUseStellarBalance.mockReturnValue({ balance: null, isLoading: true, error: null });
+}
+
+function mockPrivacy(hideBalances = false) {
+  mockUsePrivacy.mockReturnValue({ hideBalances, setHideBalances: jest.fn() });
+}
+
+describe("WalletBalance", () => {
+  beforeEach(() => {
+    jest.clearAllMocks();
+    mockPrivacy(false);
+  });
+
+  it("renders nothing when wallet is not connected", () => {
+    mockWalletDisconnected();
+    mockBalance(null);
+    const { container } = render(<WalletBalance />);
+    expect(container.firstChild).toBeNull();
+  });
+
+  it("renders loading skeleton when fetching initial balance", () => {
+    mockWalletConnected();
+    mockLoadingBalance();
+    render(<WalletBalance />);
+    expect(screen.getByLabelText("Loading wallet balance")).toBeInTheDocument();
+  });
+
+  it("renders formatted balance when data is available", () => {
+    mockWalletConnected();
+    mockBalance("1250.5000000");
+    render(<WalletBalance />);
+    expect(screen.getByLabelText("Wallet balance: 1,250.50 XLM")).toBeInTheDocument();
+    expect(screen.getByText("1,250.50")).toBeInTheDocument();
+    expect(screen.getByText("XLM")).toBeInTheDocument();
+  });
+
+  it("renders zero balance when account returns 0", () => {
+    mockWalletConnected();
+    mockBalance("0.0000000");
+    render(<WalletBalance />);
+    expect(screen.getByLabelText("Wallet balance: 0.00 XLM")).toBeInTheDocument();
+    expect(screen.getByText("0.00")).toBeInTheDocument();
+  });
+
+  it("hides balance when hideBalances is true", () => {
+    mockWalletConnected();
+    mockPrivacy(true);
+    mockBalance("5000.0000000");
+    render(<WalletBalance />);
+    expect(screen.getByLabelText("Wallet balance hidden")).toBeInTheDocument();
+    expect(screen.getByText("••••")).toBeInTheDocument();
+  });
+
+  it("renders nothing when balance is null after loading completes", () => {
+    mockWalletConnected();
+    mockBalance(null);
+    const { container } = render(<WalletBalance />);
+    expect(container.firstChild).toBeNull();
+  });
+
+  it("applies custom className", () => {
+    mockWalletConnected();
+    mockBalance("100.0000000");
+    const { container } = render(<WalletBalance className="custom-class" />);
+    const el = container.firstChild as HTMLElement;
+    expect(el.className).toContain("custom-class");
+  });
+
+  it("handles very large balance formatting", () => {
+    mockWalletConnected();
+    mockBalance("1234567.8900000");
+    render(<WalletBalance />);
+    expect(screen.getByText("1,234,567.89")).toBeInTheDocument();
+  });
+
+  it("handles tiny balance formatting", () => {
+    mockWalletConnected();
+    mockBalance("0.0000100");
+    render(<WalletBalance />);
+    expect(screen.getByText("0.00")).toBeInTheDocument();
+  });
+});
diff --git a/hooks/useStellarBalance.hook.ts b/hooks/useStellarBalance.hook.ts
new file mode 100644
index 00000000..10eacbfa
--- /dev/null
+++ b/hooks/useStellarBalance.hook.ts
@@ -0,0 +1,72 @@
+"use client";
+
+import { useState, useEffect, useCallback, useRef } from "react";
+import { getHorizonUrl } from "@/lib/stellar/transaction";
+
+const POLL_INTERVAL_MS = 15_000;
+
+interface StellarBalanceResult {
+  balance: string | null;
+  isLoading: boolean;
+  error: string | null;
+}
+
+export function useStellarBalance(address: string | null): StellarBalanceResult {
+  const [balance, setBalance] = useState<string | null>(null);
+  const [isLoading, setIsLoading] = useState(false);
+  const [error, setError] = useState<string | null>(null);
+  const intervalRef = useRef<ReturnType<typeof setInterval> | null>(null);
+
+  const fetchBalance = useCallback(async (addr: string) => {
+    try {
+      setIsLoading(true);
+      setError(null);
+      const horizonUrl = getHorizonUrl();
+      const response = await fetch(`${horizonUrl}/accounts/${addr}`);
+
+      if (!response.ok) {
+        if (response.status === 404) {
+          setBalance("0.0000000");
+          return;
+        }
+        throw new Error(`Horizon error: ${response.status}`);
+      }
+
+      const data = await response.json();
+      const nativeBalance = data.balances?.find(
+        (b: { asset_type: string }) => b.asset_type === "native",
+      );
+
+      setBalance(nativeBalance ? nativeBalance.balance : "0.0000000");
+    } catch (err) {
+      const message = (err as Error)?.message || "Failed to fetch balance";
+      setError(message);
+    } finally {
+      setIsLoading(false);
+    }
+  }, []);
+
+  useEffect(() => {
+    if (!address) {
+      setBalance(null);
+      setError(null);
+      setIsLoading(false);
+      return;
+    }
+
+    fetchBalance(address);
+
+    intervalRef.current = setInterval(() => {
+      fetchBalance(address);
+    }, POLL_INTERVAL_MS);
+
+    return () => {
+      if (intervalRef.current) {
+        clearInterval(intervalRef.current);
+        intervalRef.current = null;
+      }
+    };
+  }, [address, fetchBalance]);
+
+  return { balance, isLoading, error };
+}