diff --git a/README.md b/README.md
index 8166e19..8607d05 100644
--- a/README.md
+++ b/README.md
@@ -37,6 +37,7 @@ Top-level control surface:
 6. Pull-first updates feed + support ticket action
 7. Identity assurance visibility (`none` / `crypto_direct_unattested` / `sponsored_unattested` / `onramp_attested`)
 8. Explicit operator-visible mode toggles (`Human mode` / `Auto mode`) synced to governance `operation_mode`
+9. Wallet utility actions (`Refresh balances`, `Copy address`) with native + USDC balance visibility
 
 Advanced integration controls (collapsible):
 
diff --git a/app/app.js b/app/app.js
index 2fc745e..4b3f2d1 100644
--- a/app/app.js
+++ b/app/app.js
@@ -12,6 +12,8 @@ const state = {
   walletSessionToken: "",
   walletSessionExpiresAt: "",
   walletSessionRefreshInFlight: null,
+  walletBalanceNative: "",
+  walletBalanceUSDC: "",
 };
 
 function nowISO() {
@@ -77,6 +79,12 @@ function sessionSummary() {
   return `active (exp ${state.walletSessionExpiresAt})`;
 }
 
+function walletBalanceSummary() {
+  const native = state.walletBalanceNative || "-- ETH";
+  const usdc = state.walletBalanceUSDC || "-- USDC";
+  return `${native} | ${usdc}`;
+}
+
 function clearWalletSession(reason, payload = {}) {
   if (!state.walletSessionToken && !state.walletSessionExpiresAt) {
     return;
@@ -184,6 +192,41 @@ function utf8ToHex(value) {
     .join("")}`;
 }
 
+function normalizeHexQuantity(value) {
+  const raw = String(value || "").trim().toLowerCase();
+  if (!raw.startsWith("0x")) {
+    return null;
+  }
+  return raw;
+}
+
+function formatUnitsHex(hexValue, decimals, precision = 6) {
+  const hex = normalizeHexQuantity(hexValue);
+  if (!hex) {
+    return null;
+  }
+  let bigint;
+  try {
+    bigint = BigInt(hex);
+  } catch {
+    return null;
+  }
+  const unit = 10n ** BigInt(Math.max(0, Number(decimals) || 0));
+  const whole = bigint / unit;
+  const fraction = bigint % unit;
+  if (fraction === 0n) {
+    return whole.toString();
+  }
+  const padded = fraction.toString().padStart(Number(decimals), "0");
+  const trimmed = padded.slice(0, Math.max(1, precision)).replace(/0+$/, "");
+  return trimmed ? `${whole.toString()}.${trimmed}` : whole.toString();
+}
+
+function encodeAddressWord(address) {
+  const normalized = normalizedAddress(address).replace(/^0x/, "");
+  return normalized.padStart(64, "0");
+}
+
 function logLine(label, payload) {
   const log = $("log");
   const line = `[${nowISO()}] ${label}\n${JSON.stringify(payload, null, 2)}\n\n`;
@@ -216,6 +259,7 @@ function refreshActionLocks(statusPayload) {
 function refreshOverview(statusPayload) {
   const currentWallet = wallet();
   setSummary("summaryWallet", currentWallet || "not connected");
+  setSummary("summaryFunds", walletBalanceSummary());
   setSummary("summarySession", sessionSummary());
   refreshModeUI();
   if (statusPayload && typeof statusPayload === "object") {
@@ -453,9 +497,74 @@ async function onConnectWallet() {
       provider_chain_id: providerChainID,
     });
   }
+  try {
+    await onRefreshBalances();
+  } catch (err) {
+    logLine("wallet balance refresh warning", { error: String(err) });
+  }
   refreshOverview();
 }
 
+async function onRefreshBalances() {
+  const address = normalizedAddress(requireWallet());
+  const provider = await requireProvider();
+  const nativeHex = await provider.request({
+    method: "eth_getBalance",
+    params: [address, "latest"],
+  });
+  const nativeDisplay = formatUnitsHex(nativeHex, 18, 6);
+  if (nativeDisplay) {
+    state.walletBalanceNative = `${nativeDisplay} ETH`;
+  }
+
+  const usdcToken = normalizedAddress($("usdcTokenAddress")?.value || "");
+  if (usdcToken && /^0x[a-f0-9]{40}$/.test(usdcToken)) {
+    const balanceOfSelector = "0x70a08231";
+    const decimalsSelector = "0x313ce567";
+    const balanceCallData = `${balanceOfSelector}${encodeAddressWord(address)}`;
+    const usdcHex = await provider.request({
+      method: "eth_call",
+      params: [{ to: usdcToken, data: balanceCallData }, "latest"],
+    });
+    let decimals = 6;
+    try {
+      const decimalsHex = await provider.request({
+        method: "eth_call",
+        params: [{ to: usdcToken, data: decimalsSelector }, "latest"],
+      });
+      const parsed = Number(BigInt(String(decimalsHex || "0x6")));
+      if (Number.isFinite(parsed) && parsed >= 0 && parsed <= 36) {
+        decimals = parsed;
+      }
+    } catch {
+      // keep default 6 when token decimals call is unavailable
+    }
+    const usdcDisplay = formatUnitsHex(usdcHex, decimals, 2);
+    if (usdcDisplay) {
+      state.walletBalanceUSDC = `${usdcDisplay} USDC`;
+    }
+  } else if (usdcToken) {
+    state.walletBalanceUSDC = "invalid token";
+  }
+
+  refreshOverview();
+  logLine("wallet balances refreshed", {
+    wallet: address,
+    native: state.walletBalanceNative || "",
+    usdc: state.walletBalanceUSDC || "",
+  });
+}
+
+async function onCopyWallet() {
+  const address = requireWallet();
+  if (!navigator?.clipboard?.writeText) {
+    throw new Error("clipboard API unavailable");
+  }
+  await navigator.clipboard.writeText(address);
+  setFlowStatus("wallet address copied");
+  logLine("wallet copied", { wallet: address });
+}
+
 async function onSignIntent() {
   if (!state.lastIntent) {
     throw new Error("create intent before signing");
@@ -1119,6 +1228,8 @@ bind("btnQuickConnect", onQuickConnect);
 bind("btnQuickActivate", onQuickActivate);
 bind("btnQuickRefresh", onQuickRefresh);
 bind("btnQuickInstallStatus", onQuickInstallStatus);
+bind("btnRefreshBalances", onRefreshBalances);
+bind("btnCopyWallet", onCopyWallet);
 bind("btnModeHuman", onModeHuman);
 bind("btnModeAuto", onModeAuto);
 bind("btnConnectWallet", onConnectWallet);
diff --git a/app/index.html b/app/index.html
index f5a1474..11bbed3 100644
--- a/app/index.html
+++ b/app/index.html
@@ -20,6 +20,8 @@
           <button id="btnQuickActivate">Activate membership</button>
           <button id="btnQuickRefresh">Refresh status + feed</button>
           <button id="btnQuickInstallStatus">Governance status</button>
+          <button id="btnRefreshBalances">Refresh balances</button>
+          <button id="btnCopyWallet">Copy address</button>
           <button id="btnModeHuman" class="mode-active">Human mode</button>
           <button id="btnModeAuto">Auto mode</button>
         </div>
@@ -33,6 +35,10 @@
             <h3>Session</h3>
             <p id="summarySession">none</p>
           </article>
+          <article class="stat">
+            <h3>Wallet Funds</h3>
+            <p id="summaryFunds">-- ETH | -- USDC</p>
+          </article>
           <article class="stat">
             <h3>Membership</h3>
             <p id="summaryMembership">unknown</p>
@@ -96,6 +102,10 @@
                 Chain ID
                 <input id="chainId" type="number" value="84532" />
               </label>
+              <label>
+                USDC token address
+                <input id="usdcTokenAddress" value="0x036cbd53842c5426634e7929541ec2318f3dcf7e" />
+              </label>
             </div>
           </section>