[Bug]: pending transfer not reflected in total balance

[piotr-iohk]

What happened?

On Android, when transferring funds from savings to spending, funds that are in transfer are not included in the primary total balance while the transfer is pending (before confirmation/mined block).

When doing a max transfer, this can temporarily show 0 across all balances (total, savings, spending) until the transfer settles.

Expected behavior

During a pending transfer, balances can hide funds from savings/spending as needed, but the primary total balance should still reflect that funds exist and are currently in transfer (or otherwise avoid showing a misleading zero total).

Steps to Reproduce

1. Open Bitkit Android with available savings/on-chain funds.
2. Start a transfer to spending.
3. Use max amount (or near max) and confirm transfer.
4. Observe balance display while transfer is pending (before mined block).
5. See total, savings, and spending display 0 until transfer confirms.

Logs / Screenshots / Recordings

iOS left / Android right

Screen.Recording.2026-02-26.at.13.28.50.mov

Bitkit Version

2.0.5 (master revision b57417d6f7cb6af8fe4cde41d01264f7060285a9)

Device / OS

Android simulator (sdk_gphone64_arm64), Android 13 (SDK 33)

Reproducibility

Always

Additional context

• iOS behavior appears different: funds in transfer are still reflected in total balance while hidden from savings/spending, which is less misleading.
• This report focuses on Android visual/state representation of pending transfer amounts in top-level balance totals.
• Related but different scope: [Bug]: transfer to spending capped at 0 with on-chain balance #801.
• Related broader tracker: [Bug]: Transfer UI Improvements #599.