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Spent outputs (including change) lock for ~10 blocks on Monero. When a payout batch has no unlocked balance to cover it, attempting transfer_split fails noisily and, for batches, gets parked in needs_review for an operator. Add a pre-flight unlocked-balance check that reverts the batch to 'pending' (re-checked every new-block tick and batch interval) so it sends as soon as outputs unlock — no manual intervention. Also classify insufficient-funds RPC errors as pre-broadcast/safe-to-retry: single -> pending (not failed), batch -> pending without an operator alert (not needs_review), since no tx went on-chain and there's no double-pay risk.