diff --git a/openapi.json b/openapi.json
index 5bffa99..47ca51a 100644
--- a/openapi.json
+++ b/openapi.json
@@ -2566,15 +2566,17 @@
       },
       "LwsBalanceResponse": {
         "type": "object",
-        "description": "Balance + scan state. `total_received` is the balance (an LWS cannot confirm\nspends without the spend key; the wallet subtracts its own known spends).",
+        "description": "Balance + scan state, as a **verification passthrough**. The backend holds no\nspend key, so it cannot net out spends; the wallet computes the true spendable\nbalance client-side: `total_received − sum(spent_outputs it verifies with the\nspend key) − locked_balance`. `spent_outputs` are therefore CANDIDATES (some\nare ring decoys of the user's own outputs); `pending_balance` is the 0-conf\n(mempool) received.",
         "required": [
           "asset",
           "total_received",
-          "unlocked",
-          "locked",
+          "locked_balance",
+          "pending_balance",
+          "start_height",
           "scanned_height",
           "blockchain_height",
-          "transaction_count"
+          "transaction_count",
+          "spent_outputs"
         ],
         "properties": {
           "asset": {
@@ -2585,16 +2587,34 @@
             "format": "int64",
             "minimum": 0
           },
-          "locked": {
+          "locked_balance": {
             "type": "integer",
             "format": "int64",
             "minimum": 0
           },
+          "pending_balance": {
+            "type": "integer",
+            "format": "int64",
+            "description": "Unconfirmed (mempool) received — 0-conf. `0` until the LWS reports mempool\nrows (the monero-lws mempool feature); never negative.",
+            "minimum": 0
+          },
           "scanned_height": {
             "type": "integer",
             "format": "int64",
             "minimum": 0
           },
+          "spent_outputs": {
+            "type": "array",
+            "items": {
+              "$ref": "#/components/schemas/SpentOutputDto"
+            },
+            "description": "Candidate spent outputs (confirmed + mempool) for client-side key-image\nverification with the spend key. Never authoritative server-side."
+          },
+          "start_height": {
+            "type": "integer",
+            "format": "int64",
+            "minimum": 0
+          },
           "total_received": {
             "type": "integer",
             "format": "int64",
@@ -2604,11 +2624,6 @@
             "type": "integer",
             "format": "int64",
             "minimum": 0
-          },
-          "unlocked": {
-            "type": "integer",
-            "format": "int64",
-            "minimum": 0
           }
         }
       },
diff --git a/src/api/wallet/xmr_wow.rs b/src/api/wallet/xmr_wow.rs
index bc634d2..3439b62 100644
--- a/src/api/wallet/xmr_wow.rs
+++ b/src/api/wallet/xmr_wow.rs
@@ -28,7 +28,9 @@ use tracing::instrument;
 use super::{validate_cn_address, validate_hex, validate_view_key};
 use crate::api::middleware::extract_user_id_from_token;
 use crate::error::AppError;
-use crate::infra::lws::{AddressTx, LwsClient, RandomOutput, SpentOutput, UnspentOutput};
+use crate::infra::lws::{
+    sum_mempool_received, AddressTx, LwsClient, RandomOutput, SpentOutput, UnspentOutput,
+};
 use crate::AppState;
 
 /// Cap on a submitted Monero/Wownero tx hex. CryptoNote txs (rings, bulletproofs)
@@ -113,17 +115,27 @@ pub struct ConfirmationsRequest {
 
 // ── response DTOs ─────────────────────────────────────────────────────────────
 
-/// Balance + scan state. `total_received` is the balance (an LWS cannot confirm
-/// spends without the spend key; the wallet subtracts its own known spends).
+/// Balance + scan state, as a **verification passthrough**. The backend holds no
+/// spend key, so it cannot net out spends; the wallet computes the true spendable
+/// balance client-side: `total_received − sum(spent_outputs it verifies with the
+/// spend key) − locked_balance`. `spent_outputs` are therefore CANDIDATES (some
+/// are ring decoys of the user's own outputs); `pending_balance` is the 0-conf
+/// (mempool) received.
 #[derive(Debug, Serialize, utoipa::ToSchema)]
 pub struct LwsBalanceResponse {
     pub asset: String,
     pub total_received: u64,
-    pub unlocked: u64,
-    pub locked: u64,
+    pub locked_balance: u64,
+    /// Unconfirmed (mempool) received — 0-conf. `0` until the LWS reports mempool
+    /// rows (the monero-lws mempool feature); never negative.
+    pub pending_balance: u64,
+    pub start_height: u64,
     pub scanned_height: u64,
     pub blockchain_height: u64,
     pub transaction_count: u64,
+    /// Candidate spent outputs (confirmed + mempool) for client-side key-image
+    /// verification with the spend key. Never authoritative server-side.
+    pub spent_outputs: Vec<SpentOutputDto>,
 }
 
 /// A candidate spent output (verify with the spend key before trusting).
@@ -339,15 +351,35 @@ pub async fn balance(
     validate_cn_address(&req.address)?;
     validate_view_key(&req.view_key)?;
 
-    let info = client.get_address_info(&req.address, &req.view_key).await?;
+    // Verification passthrough: address-info gives received/locked/heights;
+    // address-txs gives the candidate spent_outputs (the wallet verifies them
+    // with its spend key) and the mempool rows (0-conf pending). Fetched
+    // together so a balance read is one round-trip of latency, not two.
+    let (info, txs) = tokio::join!(
+        client.get_address_info(&req.address, &req.view_key),
+        client.get_address_txs(&req.address, &req.view_key),
+    );
+    let info = info?;
+    let txs = txs?;
+
+    let pending_balance = sum_mempool_received(&txs.transactions);
+    let spent_outputs: Vec<SpentOutputDto> = txs
+        .transactions
+        .into_iter()
+        .flat_map(|t| t.spent_outputs)
+        .map(spent_dto)
+        .collect();
+
     Ok(Json(LwsBalanceResponse {
         asset,
-        total_received: info.balance(),
-        unlocked: info.unlocked_balance(),
-        locked: info.locked_funds,
+        total_received: info.total_received,
+        locked_balance: info.locked_funds,
+        pending_balance,
+        start_height: info.start_height,
         scanned_height: info.scanned_height,
         blockchain_height: info.blockchain_height,
         transaction_count: info.transaction_count,
+        spent_outputs,
     }))
 }
 
diff --git a/src/infra/lws/client.rs b/src/infra/lws/client.rs
index 80c99e5..0c7c0bd 100644
--- a/src/infra/lws/client.rs
+++ b/src/infra/lws/client.rs
@@ -460,7 +460,7 @@ impl LwsClient {
 
 /// Sum the mempool (unconfirmed) net-received amounts, saturating at each step
 /// so a hostile per-tx value cannot overflow-panic the total.
-fn sum_mempool_received(txs: &[AddressTx]) -> u64 {
+pub(crate) fn sum_mempool_received(txs: &[AddressTx]) -> u64 {
     txs.iter()
         .filter(|t| t.mempool)
         .map(|t| t.total_received.saturating_sub(t.total_sent))
diff --git a/src/infra/lws/mod.rs b/src/infra/lws/mod.rs
index 83d4a95..229b650 100644
--- a/src/infra/lws/mod.rs
+++ b/src/infra/lws/mod.rs
@@ -9,6 +9,7 @@
 mod client;
 mod types;
 
+pub(crate) use client::sum_mempool_received;
 pub use client::LwsClient;
 pub use types::{
     AccountEntry, AccountStatus, AddressInfo, AddressTx, AddressTxsResponse, AmountOuts,