diff --git a/.env.example b/.env.example
index af86553..a153a8d 100644
--- a/.env.example
+++ b/.env.example
@@ -34,7 +34,7 @@ NEXT_PUBLIC_STELLAR_NETWORK_PASSPHRASE="Test SDF Network ; September 2015"
 # These are the Soroban zero-address placeholders used when mock data is on.
 # Replace with real addresses before setting NEXT_PUBLIC_ENABLE_MOCK_DATA=false.
 NEXT_PUBLIC_INVOICE_CONTRACT_ID=CBIELTK6YBZJU5UP2WWQEUCYKLPU6AUNZ2BQ4WWFEIE3USCIHMXQDAMA
-NEXT_PUBLIC_MARKETPLACE_CONTRACT_ID=CBWOAOZCOAJQH7HHZRE5BVNL2C4HRP4JCQZF3YQCQYDL5BZJRN4YGK4
+NEXT_PUBLIC_MARKETPLACE_CONTRACT_ID=CBWOAOZCOAJQH7HHZRE5BVNL2C4HRP4JCQZF3YQCQYDL5BZJRN4YGK4A
 NEXT_PUBLIC_TOKEN_CONTRACT_ID=CDLZFC3SYJYDZT7K67VZ75HPJVIEUVNIXF47ZG2FB2RMQQVU2HHGCYSC
 
 # ─── IPFS / Pinata ────────────────────────────────────────────────────────────
diff --git a/.gitignore b/.gitignore
index 3683b1e..dc6be77 100644
--- a/.gitignore
+++ b/.gitignore
@@ -8,6 +8,8 @@ node_modules/
 out/
 build/
 dist/
+target/
+**/target/
 
 # env
 .env
diff --git a/app/dashboard/sme/page.tsx b/app/dashboard/sme/page.tsx
index c99a543..577e3d8 100644
--- a/app/dashboard/sme/page.tsx
+++ b/app/dashboard/sme/page.tsx
@@ -52,6 +52,8 @@ import { useUsdcBalance } from "@/hooks/useUsdcBalance";
 import { useSuspenseQuery, useQueryClient } from "@tanstack/react-query";
 import { queryKeys } from "@/lib/queryKeys";
 import { useMaturityReminder } from "@/hooks/useMaturityReminder";
+import { useFundingReminder } from "@/hooks/useFundingReminder";
+import { useRepaymentReminder } from "@/hooks/useRepaymentReminder";
 import { useUIStore, useInvoiceStore } from "@/store";
 import { MOCK_INVOICES } from "@/services/mockData";
 import {
@@ -190,7 +192,7 @@ export default function SMEDashboardPage() {
   );
 
   useEffect(() => {
-    return queueRef.current.subscribe((snap) => {
+    const unsubscribe = queueRef.current.subscribe((snap) => {
       setBatchItems(snap.items);
       setIsBatchProcessing(snap.isRunning);
       setBatchProgress(
@@ -198,6 +200,9 @@ export default function SMEDashboardPage() {
       );
       persistBatchQueue(snap.items);
     });
+    return () => {
+      unsubscribe();
+    };
   }, []);
 
   const myInvoices: Invoice[] =
@@ -218,6 +223,10 @@ export default function SMEDashboardPage() {
     allMyInvoices.filter((invoice) => ["listed", "partially_funded", "fully_funded"].includes(invoice.status))
   );
 
+  useFundingReminder(allMyInvoices);
+
+  useRepaymentReminder(allMyInvoices);
+
   // Must run before the early return below so hook order stays stable across renders.
   const { executeProtectedAction } = useVerifiedAction();
 
diff --git a/app/invoice/create/page.tsx b/app/invoice/create/page.tsx
index 9494fd2..d6ec427 100644
--- a/app/invoice/create/page.tsx
+++ b/app/invoice/create/page.tsx
@@ -309,6 +309,8 @@ export default function CreateInvoicePage() {
         );
 
         setIsUploading(false);
+        tempMetadataCid = result.metadataCid;
+        return result.unsignedXdr;
       },
       {
         successMessage: "Invoice minted on Soroban!",
@@ -331,8 +333,8 @@ export default function CreateInvoicePage() {
       }
     );
 
-    if (error) {
-      setFileError(error);
+    if (txError) {
+      setFileError(txError);
       setIsUploading(false);
     }
   };
diff --git a/app/marketplace/[id]/InvoiceDetailClient.tsx b/app/marketplace/[id]/InvoiceDetailClient.tsx
index 07f811a..5d408b0 100644
--- a/app/marketplace/[id]/InvoiceDetailClient.tsx
+++ b/app/marketplace/[id]/InvoiceDetailClient.tsx
@@ -66,7 +66,6 @@ import {
   isTestnetUsdcFaucetEnabled,
   useUsdcBalance,
 } from "@/hooks/useUsdcBalance";
-import { env } from "@/lib/env";
 import { PrintLayout, PrintButton } from "@/components/ui/print-layout";
 
 export default function InvoiceDetailClient({ id }: { id: string }) {
diff --git a/app/marketplace/[id]/opengraph-image.tsx b/app/marketplace/[id]/opengraph-image.tsx
index f328b6c..8e29313 100644
--- a/app/marketplace/[id]/opengraph-image.tsx
+++ b/app/marketplace/[id]/opengraph-image.tsx
@@ -41,7 +41,7 @@ export default async function OpenGraphImage({ params }: Props) {
         subtitle = meta.debtor?.name || subtitle;
         amount = `${meta.currency} ${Number(meta.amount).toLocaleString()}`;
         apr = `${invoice.terms.apr}% APR`;
-        risk = meta.risk_tier;
+        risk = meta.risk_tier || "";
         due = meta.due_date ? `Due ${meta.due_date}` : "";
       }
     } catch {
diff --git a/app/marketplace/page.tsx b/app/marketplace/page.tsx
index 53ab920..0ad7a63 100644
--- a/app/marketplace/page.tsx
+++ b/app/marketplace/page.tsx
@@ -26,7 +26,6 @@ import { useInvoiceStore, DEFAULT_FILTERS } from "@/store";
 import { Container } from "@/components/layout/Container";
 import { cn } from "@/lib/utils";
 import { sanitizeQueryParam } from "@/lib/security";
-import { useTranslations } from "next-intl";
 import { ErrorBoundary } from "@/components/ui/error-boundary";
 import { RangeSlider } from "@/components/ui/range-slider";
 import { ComparisonBar } from "@/components/marketplace/ComparisonBar";
@@ -304,7 +303,6 @@ function Switch({
 function MarketplaceContent() {
   const t = useTranslations("marketplace");
   const comparisonEnabled = useFeatureFlag("comparison");
-  const t = useTranslations("marketplace");
   const router = useRouter();
   const searchParams = useSearchParams();
   const categoryOptions = useMemo(() => getCategoryOptions(t), [t]);
diff --git a/app/secondary/page.tsx b/app/secondary/page.tsx
index 184f556..5705e94 100644
--- a/app/secondary/page.tsx
+++ b/app/secondary/page.tsx
@@ -356,15 +356,10 @@ export default function SecondaryMarketplacePage() {
                 <Clock className="h-4 w-4 text-zinc-400" />
                 <Select
                   value={tenorFilter}
-                  onChange={(e) => setTenorFilter(e.target.value)}
+                  onChange={(val) => setTenorFilter(val)}
+                  options={TENOR_OPTIONS}
                   className="w-40 bg-zinc-950/80 border-zinc-800 text-xs"
-                >
-                  {TENOR_OPTIONS.map((opt) => (
-                    <option key={opt.value} value={opt.value}>
-                      {opt.label}
-                    </option>
-                  ))}
-                </Select>
+                />
               </div>
 
               {/* Yield Filter */}
@@ -372,15 +367,10 @@ export default function SecondaryMarketplacePage() {
                 <Percent className="h-4 w-4 text-zinc-400" />
                 <Select
                   value={yieldFilter}
-                  onChange={(e) => setYieldFilter(e.target.value)}
+                  onChange={(val) => setYieldFilter(val)}
+                  options={YIELD_OPTIONS}
                   className="w-36 bg-zinc-950/80 border-zinc-800 text-xs"
-                >
-                  {YIELD_OPTIONS.map((opt) => (
-                    <option key={opt.value} value={opt.value}>
-                      {opt.label}
-                    </option>
-                  ))}
-                </Select>
+                />
               </div>
 
               {/* Seller Filter */}
@@ -418,7 +408,7 @@ export default function SecondaryMarketplacePage() {
                 <SlidersHorizontal className="mr-2 h-3.5 w-3.5 text-primary" />
                 Filter Positions
                 {hasActiveFilters && (
-                  <Badge variant="secondary" className="ml-2 bg-primary/20 text-primary text-[10px]">
+                  <Badge variant="default" className="ml-2 bg-primary/20 text-primary text-[10px]">
                     Active
                   </Badge>
                 )}
@@ -432,8 +422,8 @@ export default function SecondaryMarketplacePage() {
           <EmptyState
             title="No Transferable Positions Found"
             description="No secondary market position listings match your filter criteria. Try expanding your tenor or yield requirements."
-            actionText="Clear All Filters"
-            onAction={resetFilters}
+            cta={{ label: "Clear All Filters", onClick: resetFilters }}
+            variant="no-results"
           />
         ) : (
           <div className="grid grid-cols-1 gap-6 md:grid-cols-2 lg:grid-cols-3">
@@ -540,7 +530,7 @@ export default function SecondaryMarketplacePage() {
         )}
 
         {/* Mobile Filter Bottom Sheet */}
-        <BottomSheet isOpen={mobileFilterOpen} onClose={() => setMobileFilterOpen(false)}>
+        <BottomSheet open={mobileFilterOpen} onOpenChange={setMobileFilterOpen}>
           <div className="space-y-4 p-4 text-zinc-100">
             <h3 className="text-base font-semibold text-white">Filter Secondary Positions</h3>
 
@@ -549,30 +539,20 @@ export default function SecondaryMarketplacePage() {
                 <label className="text-xs text-zinc-400 mb-1 block">Remaining Tenor</label>
                 <Select
                   value={tenorFilter}
-                  onChange={(e) => setTenorFilter(e.target.value)}
+                  onChange={(val) => setTenorFilter(val)}
+                  options={TENOR_OPTIONS}
                   className="w-full bg-zinc-900 border-zinc-800 text-xs"
-                >
-                  {TENOR_OPTIONS.map((opt) => (
-                    <option key={opt.value} value={opt.value}>
-                      {opt.label}
-                    </option>
-                  ))}
-                </Select>
+                />
               </div>
 
               <div>
                 <label className="text-xs text-zinc-400 mb-1 block">Minimum Yield</label>
                 <Select
                   value={yieldFilter}
-                  onChange={(e) => setYieldFilter(e.target.value)}
+                  onChange={(val) => setYieldFilter(val)}
+                  options={YIELD_OPTIONS}
                   className="w-full bg-zinc-900 border-zinc-800 text-xs"
-                >
-                  {YIELD_OPTIONS.map((opt) => (
-                    <option key={opt.value} value={opt.value}>
-                      {opt.label}
-                    </option>
-                  ))}
-                </Select>
+                />
               </div>
 
               <div>
diff --git a/app/test-components/page.tsx b/app/test-components/page.tsx
index 8d5c5f9..2526f5e 100644
--- a/app/test-components/page.tsx
+++ b/app/test-components/page.tsx
@@ -21,6 +21,7 @@ import * as React from "react";
 import { FileInput } from "@/components/ui/file-input";
 import { RangeSlider } from "@/components/ui/range-slider";
 import { DatePicker } from "@/components/ui/date-picker";
+import { NotificationSettings } from "@/components/settings/NotificationSettings";
 
 // ── FileInput fixture ────────────────────────────────────────────────────────
 
@@ -126,6 +127,12 @@ export default function TestComponentsPage() {
       <FileInputFixture />
       <RangeSliderFixture />
       <DatePickerFixture />
+      <section id="notification-settings-fixture" className="space-y-4">
+        <h2 className="text-sm font-semibold uppercase tracking-widest text-zinc-400">
+          NotificationSettings
+        </h2>
+        <NotificationSettings />
+      </section>
     </main>
   );
 }
diff --git a/components/dev/FeatureFlagPanel.tsx b/components/dev/FeatureFlagPanel.tsx
index 0d12671..d937ab5 100644
--- a/components/dev/FeatureFlagPanel.tsx
+++ b/components/dev/FeatureFlagPanel.tsx
@@ -20,6 +20,7 @@ const FLAG_DESCRIPTIONS: Record<FeatureFlag, string> = {
   comparison: "Enable marketplace invoice comparison UI.",
   "onboarding-tour": "Mount the guided onboarding tour overlay.",
   "batch-actions": "Expose batch invoice management actions.",
+  "kyb-mint-gate": "Gate invoice creation behind KYB status checks.",
 };
 
 export function FeatureFlagPanel() {
diff --git a/components/development/FeatureFlagPanel.tsx b/components/development/FeatureFlagPanel.tsx
index 0d12671..d937ab5 100644
--- a/components/development/FeatureFlagPanel.tsx
+++ b/components/development/FeatureFlagPanel.tsx
@@ -20,6 +20,7 @@ const FLAG_DESCRIPTIONS: Record<FeatureFlag, string> = {
   comparison: "Enable marketplace invoice comparison UI.",
   "onboarding-tour": "Mount the guided onboarding tour overlay.",
   "batch-actions": "Expose batch invoice management actions.",
+  "kyb-mint-gate": "Gate invoice creation behind KYB status checks.",
 };
 
 export function FeatureFlagPanel() {
diff --git a/components/marketplace/ComparisonBar.tsx b/components/marketplace/ComparisonBar.tsx
index 938bb8c..429aab5 100644
--- a/components/marketplace/ComparisonBar.tsx
+++ b/components/marketplace/ComparisonBar.tsx
@@ -41,7 +41,6 @@ export function ComparisonBar() {
 
   // ─── Feature flag ────────────────────────────────────────────────────────
   const isComparisonEnabled = isEnabled("comparison");
-  if (!isComparisonEnabled) return null;
 
   // Resolve selected invoices from store list + token map (live indexer shape)
   const invoiceIndex = [
@@ -54,6 +53,7 @@ export function ComparisonBar() {
 
   // Hydrate comparison list from shareable URL once
   useEffect(() => {
+    if (!isComparisonEnabled) return;
     if (hydratedFromUrl.current) return;
     hydratedFromUrl.current = true;
 
@@ -75,6 +75,7 @@ export function ComparisonBar() {
 
   // Keep ?compare= in sync with selection for shareable URLs
   useEffect(() => {
+    if (!isComparisonEnabled) return;
     if (!hydratedFromUrl.current) return;
 
     const params = new URLSearchParams(searchParams.toString());
@@ -92,7 +93,7 @@ export function ComparisonBar() {
 
     const qs = params.toString();
     router.replace(qs ? `${pathname}?${qs}` : pathname, { scroll: false });
-  }, [comparisonList, pathname, router, searchParams]);
+  }, [isComparisonEnabled, comparisonList, pathname, router, searchParams]);
 
   const handleShare = async () => {
     const url = new URL(window.location.href);
@@ -108,6 +109,7 @@ export function ComparisonBar() {
     }
   };
 
+  if (!isComparisonEnabled) return null;
   if (comparisonList.length === 0) return null;
 
   // ─── Mobile: show only count + compare button ──────────────────────────
diff --git a/components/settings/NotificationSettings.tsx b/components/settings/NotificationSettings.tsx
index a9c192a..5436278 100644
--- a/components/settings/NotificationSettings.tsx
+++ b/components/settings/NotificationSettings.tsx
@@ -8,23 +8,27 @@ import { Button } from "@/components/ui/button";
 
 const NOTIFICATION_ITEMS: Array<{
   key: "maturityReminder" | "fundingAlerts" | "repaymentAlerts";
-  label: string;
-  description: string;
+  labelKey: string;
+  descEnabledKey: string;
+  descDisabledKey: string;
 }> = [
   {
     key: "maturityReminder",
-    label: "Maturity Reminders",
-    description: "Remind you before invoice maturity date.",
+    labelKey: "maturityReminder.label",
+    descEnabledKey: "maturityReminder.descEnabled",
+    descDisabledKey: "maturityReminder.descDisabled",
   },
   {
     key: "fundingAlerts",
-    label: "Funding Alerts",
-    description: "Notify when your invoice reaches funding milestones.",
+    labelKey: "fundingAlerts.label",
+    descEnabledKey: "fundingAlerts.descEnabled",
+    descDisabledKey: "fundingAlerts.descDisabled",
   },
   {
     key: "repaymentAlerts",
-    label: "Repayment Alerts",
-    description: "Notify when repayment is due or completed.",
+    labelKey: "repaymentAlerts.label",
+    descEnabledKey: "repaymentAlerts.descEnabled",
+    descDisabledKey: "repaymentAlerts.descDisabled",
   },
 ];
 
@@ -60,7 +64,8 @@ function Toggle({
 }
 
 export function NotificationSettings() {
-  const t = useTranslations("onboarding");
+  const tOnboarding = useTranslations("onboarding");
+  const tSettings = useTranslations("settings");
   const { notifications, setNotifications, resetNotifications, tour, setTourSettings, restartTour } = useSettingsStore();
   const shortcutsEnabled = useUIStore((s) => s.shortcutsEnabled);
   const setShortcutsEnabled = useUIStore((s) => s.setShortcutsEnabled);
@@ -68,41 +73,48 @@ export function NotificationSettings() {
   return (
     <div className="space-y-5">
       <div className="space-y-1">
-        <h3 className="text-base font-semibold text-foreground">Notification Preferences</h3>
-        <p className="text-sm text-muted-foreground">Control which in-app alerts appear during your workflow.</p>
+        <h3 className="text-base font-semibold text-foreground">{tSettings("title")}</h3>
+        <p className="text-sm text-muted-foreground">{tSettings("description")}</p>
       </div>
 
       <div className="space-y-3">
-        {NOTIFICATION_ITEMS.map((item) => (
-          <div key={item.key} className="flex items-start justify-between gap-4 rounded-lg border border-border bg-card p-3">
-            <div>
-              <p className="text-sm font-medium text-foreground">{item.label}</p>
-              <p className="mt-0.5 text-xs text-muted-foreground">{item.description}</p>
+        {NOTIFICATION_ITEMS.map((item) => {
+          const isChecked = notifications[item.key];
+          return (
+            <div key={item.key} className="flex items-start justify-between gap-4 rounded-lg border border-border bg-card p-3">
+              <div>
+                <p className="text-sm font-medium text-foreground">{tSettings(item.labelKey)}</p>
+                <p className="mt-0.5 text-xs text-muted-foreground">
+                  {isChecked ? tSettings(item.descEnabledKey) : tSettings(item.descDisabledKey)}
+                </p>
+              </div>
+              <Toggle
+                checked={isChecked}
+                onChange={(next) => setNotifications({ [item.key]: next })}
+                ariaLabel={`Toggle ${tSettings(item.labelKey)}`}
+              />
             </div>
-            <Toggle
-              checked={notifications[item.key]}
-              onChange={(next) => setNotifications({ [item.key]: next })}
-              ariaLabel={`Toggle ${item.label}`}
-            />
-          </div>
-        ))}
+          );
+        })}
       </div>
 
       <div className="rounded-lg border border-border bg-card p-3">
         <label htmlFor="maturity-reminder-days" className="block text-sm font-medium text-foreground">
-          Reminder timing
+          {tSettings("timing.label")}
         </label>
-        <p className="mt-0.5 text-xs text-muted-foreground">Choose when to alert before maturity date.</p>
+        <p className="mt-0.5 text-xs text-muted-foreground">
+          {notifications.maturityReminder ? tSettings("timing.descEnabled") : tSettings("timing.descDisabled")}
+        </p>
         <select
           id="maturity-reminder-days"
           value={notifications.maturityReminderDays}
           onChange={(e) => setNotifications({ maturityReminderDays: Number(e.target.value) as MaturityReminderDays })}
-          className="mt-2 w-full rounded-lg border border-border bg-background px-3 py-2 text-sm text-foreground"
+          className="mt-2 w-full rounded-lg border border-border bg-background px-3 py-2 text-sm text-foreground disabled:opacity-50 focus:border-primary focus:outline-none focus:ring-1 focus:ring-primary"
           disabled={!notifications.maturityReminder}
         >
-          <option value={1}>1 day before maturity</option>
-          <option value={3}>3 days before maturity</option>
-          <option value={7}>7 days before maturity</option>
+          <option value={1}>{tSettings("timing.oneDay")}</option>
+          <option value={3}>{tSettings("timing.threeDays")}</option>
+          <option value={7}>{tSettings("timing.sevenDays")}</option>
         </select>
       </div>
 
@@ -113,36 +125,36 @@ export function NotificationSettings() {
         leftIcon={<RotateCcw className="h-3.5 w-3.5" />}
         onClick={resetNotifications}
       >
-        Reset to defaults
+        {tSettings("resetDefaults")}
       </Button>
 
       {/* ── Onboarding Tour Settings ────────────────────────────────────── */}
       <div className="space-y-1 pt-2">
-        <h3 className="text-base font-semibold text-foreground">Onboarding Tour</h3>
+        <h3 className="text-base font-semibold text-foreground">{tOnboarding("skipLabel")}</h3>
         <p className="text-sm text-muted-foreground">
-          {t("restartTourDesc")}
+          {tOnboarding("restartTourDesc")}
         </p>
       </div>
       <div className="space-y-3 rounded-lg border border-border bg-card p-3">
         <div>
           <label htmlFor="tour-persona-select" className="block text-xs font-medium text-foreground">
-            {t("activePersona")}
+            {tOnboarding("activePersona")}
           </label>
           <select
             id="tour-persona-select"
             value={tour.persona}
             onChange={(e) => setTourSettings({ persona: e.target.value as Persona })}
-            className="mt-1 w-full rounded-lg border border-border bg-background px-3 py-1.5 text-sm text-foreground"
+            className="mt-1 w-full rounded-lg border border-border bg-background px-3 py-1.5 text-sm text-foreground focus:border-primary focus:outline-none focus:ring-1 focus:ring-primary"
           >
-            <option value="investor">{t("personaInvestor")}</option>
-            <option value="sme">{t("personaSme")}</option>
+            <option value="investor">{tOnboarding("personaInvestor")}</option>
+            <option value="sme">{tOnboarding("personaSme")}</option>
           </select>
         </div>
 
         <div className="flex items-center justify-between text-xs text-muted-foreground pt-1">
           <span>Status:</span>
           <span className="font-medium text-foreground">
-            {tour.completed ? t("tourCompleted") : tour.skipped ? t("tourSkipped") : `Step ${(tour.stepIndex ?? 0) + 1}`}
+            {tour.completed ? tOnboarding("tourCompleted") : tour.skipped ? tOnboarding("tourSkipped") : tOnboarding("step", { current: (tour.stepIndex ?? 0) + 1, total: tour.persona === "sme" ? 3 : 4 })}
           </span>
         </div>
 
@@ -153,24 +165,26 @@ export function NotificationSettings() {
           leftIcon={<Compass className="h-3.5 w-3.5" />}
           onClick={() => restartTour(tour.persona)}
         >
-          {t("restartTour")}
+          {tOnboarding("restartTour")}
         </Button>
       </div>
 
       {/* ── Keyboard shortcuts toggle ──────────────────────────────────────── */}
       <div className="space-y-1 pt-2">
-        <h3 className="text-base font-semibold text-foreground">Keyboard Shortcuts</h3>
+        <h3 className="text-base font-semibold text-foreground">{tSettings("keyboard.title")}</h3>
         <p className="text-sm text-muted-foreground">
-          Enable global keyboard shortcuts for faster navigation.
+          {tSettings("keyboard.desc")}
         </p>
       </div>
       <div className="flex items-start justify-between gap-4 rounded-lg border border-border bg-card p-3">
         <div className="flex items-center gap-2">
           <Keyboard className="h-4 w-4 text-muted-foreground" aria-hidden="true" />
           <div>
-            <p className="text-sm font-medium text-foreground">Enable shortcuts</p>
+            <p className="text-sm font-medium text-foreground">{tSettings("keyboard.label")}</p>
             <p className="mt-0.5 text-xs text-muted-foreground">
-              Press <kbd className="rounded border border-border bg-muted px-1 py-0.5 font-mono text-[10px]">?</kbd> to view all shortcuts.
+              {tSettings("keyboard.hintPrefix")}{" "}
+              <kbd className="rounded border border-border bg-muted px-1 py-0.5 font-mono text-[10px]">?</kbd>{" "}
+              {tSettings("keyboard.hintSuffix")}
             </p>
           </div>
         </div>
@@ -183,4 +197,3 @@ export function NotificationSettings() {
     </div>
   );
 }
-
diff --git a/components/transactions/InProgressOverlay.tsx b/components/transactions/InProgressOverlay.tsx
index b325fa3..d28e401 100644
--- a/components/transactions/InProgressOverlay.tsx
+++ b/components/transactions/InProgressOverlay.tsx
@@ -51,7 +51,7 @@ export function InProgressOverlay() {
         label: "Buyer Deposit",
         desc: "Escrow funds locked in smart contract",
         active: escrowState.step === "buyer_funding",
-        success: escrowState.step !== "idle" && escrowState.step !== "buyer_funding" && escrowState.step !== "failed" && !(escrowState.errorStep === "buyer_funding"),
+        success: escrowState.step !== "idle" && escrowState.step !== "buyer_funding" && !(escrowState.errorStep === "buyer_funding"),
         failed: escrowState.errorStep === "buyer_funding",
       },
       {
diff --git a/examples/tokens/04-snapshot-token/Cargo.lock b/examples/tokens/04-snapshot-token/Cargo.lock
new file mode 100644
index 0000000..27f0539
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/Cargo.lock
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diff --git a/examples/tokens/04-snapshot-token/Cargo.toml b/examples/tokens/04-snapshot-token/Cargo.toml
new file mode 100644
index 0000000..a32447c
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/Cargo.toml
@@ -0,0 +1,17 @@
+[package]
+name = "soroban_snapshot_token"
+version = "0.1.0"
+edition = "2021"
+
+[lib]
+crate-type = ["cdylib", "rlib"]
+
+[dependencies]
+soroban-sdk = { version = "27.0.3" }
+
+[dev-dependencies]
+soroban-sdk = { version = "27.0.3", features = ["testutils"] }
+
+[profile.release]
+opt-level = "z"
+overflow-checks = true
diff --git a/examples/tokens/04-snapshot-token/README.md b/examples/tokens/04-snapshot-token/README.md
new file mode 100644
index 0000000..899aa70
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/README.md
@@ -0,0 +1,95 @@
+# Soroban Snapshot Token (Governance-Enabled)
+
+A Soroban fungible token contract featuring state-of-the-art **balance snapshotting** support. This contract allows governance organizations (like DAOs) to record point-in-time balance snapshots and subsequently query any account's historical balance at a specific snapshot ID, primarily for secure, flash-loan-resistant voting-power calculations.
+
+## Overview
+
+In decentralized governance, naively querying current token balances for voting weight exposes the system to **flash loan attacks**—where a user borrows a large amount of tokens, votes, and returns the tokens in a single transaction block.
+
+By utilizing a snapshot token, a DAO can announce a proposal and take a snapshot of all balances at a specific block or moment in time. When voting begins, each voter's voting power is read from that historical snapshot ID via `balance_at_snapshot(account, snapshot_id)`. Subsequent token transfers have no effect on the captured voting weights.
+
+## Contract Interface
+
+The smart contract exposes the following public interface:
+
+- **`initialize(env: Env, admin: Address, decimals: u32, name: String, symbol: String)`**
+  Initializes the contract metadata, set the admin, and sets total supply and snapshot counter to `0`. Can only be called once.
+- **`mint(env: Env, to: Address, amount: i128)`**
+  Mints a positive amount of new tokens to the specified receiver. Requires admin authorization. Records pre-change balance for the sparse-snapshot pattern.
+- **`transfer(env: Env, from: Address, to: Address, amount: i128)`**
+  Transfers `amount` of tokens from the sender to the receiver. Requires authorization of the `from` account. Records pre-change balances for both sender and receiver.
+- **`balance(env: Env, account: Address) -> i128`**
+  Returns the current balance of the specified account.
+- **`create_snapshot(env: Env, caller: Address) -> u32`**
+  Creates a new snapshot and returns the incremented snapshot ID. Requires admin authorization.
+- **`balance_at_snapshot(env: Env, account: Address, snapshot_id: u32) -> i128`**
+  Queries the balance of `account` exactly at the moment `snapshot_id` was created. Handles all edge cases gracefully.
+- **`current_snapshot(env: Env) -> u32`**
+  Returns the latest created snapshot ID.
+- **`total_snapshots(env: Env) -> u32`**
+  Returns the total number of snapshots created.
+- **`decimals(env: Env) -> u32`**
+  Returns the number of decimals.
+- **`name(env: Env) -> String`**
+  Returns the token name.
+- **`symbol(env: Env) -> String`**
+  Returns the token symbol.
+- **`total_supply(env: Env) -> i128`**
+  Returns the current total supply of the token.
+- **`admin(env: Env) -> Address`**
+  Returns the administrator's address.
+
+## The Sparse-Snapshot Pattern
+
+Naively copying and storing the balance of *every* account at *every* snapshot would require `O(holders * snapshot_count)` storage, resulting in astronomical transaction fees and unbound storage growth.
+
+To avoid this, we implement the standard **sparse-snapshot pattern** (inspired by OpenZeppelin's `ERC20Snapshot`):
+1. Balance histories are stored lazily: we only write a new snapshot entry for an account when its balance actually changes *after* a snapshot has been taken.
+2. During `mint` or `transfer`, the contract checks if the current snapshot has already recorded the pre-change balance of the involved accounts. If not, the current balance is written to their snapshot history map first before the balance is updated.
+3. This guarantees that each account's snapshot history grows at most by `1` entry per snapshot boundary crossed with transaction activity, completely independent of the total number of token holders.
+
+### Historical Query Resolution
+
+When querying `balance_at_snapshot(account, snapshot_id)`:
+1. If the requested `snapshot_id` does not exist yet (i.e. is `0` or greater than `current_snapshot`), the contract returns a `SnapshotNotFound` error.
+2. The contract searches the account's sparse snapshot records (stored as a sorted map of `snapshot_id -> balance`):
+   - It finds the smallest recorded snapshot ID `k` such that `k >= snapshot_id`.
+   - If found, the balance during `snapshot_id` is exactly the value recorded at `k` (because that was the pre-change balance stored during the first transaction after `snapshot_id` existed).
+   - If no such key exists, it means the account has had **no activity** since `snapshot_id` was created, so its current balance is still exactly what it was during `snapshot_id`.
+3. If an account has never held any tokens, querying returns `0` (given a valid snapshot ID), not an error.
+
+## Step-by-Step Build & Test Guide
+
+To compile and test the snapshot token example:
+
+```bash
+# 1. Navigate to the snapshot token directory
+cd examples/tokens/04-snapshot-token
+
+# 2. Run all unit tests
+cargo test
+
+# 3. Compile the contract to WASM release target
+cargo build --target wasm32-unknown-unknown --release
+```
+
+## Concrete Governance Walkthrough
+
+Below is a step-by-step example of how a DAO governance flow utilizes this token:
+
+1. **Setup**: The DAO initializes the `SnapshotToken` and mints `100 GT` to Alice and `50 GT` to Bob.
+2. **Proposal Created**: A new proposal is submitted to the DAO. To prevent voting manipulation, the DAO admin creates a snapshot:
+   ```rust
+   let snapshot_id = client.create_snapshot(&admin); // returns 1
+   ```
+3. **Voting Power Queried**: Alice has `100` votes and Bob has `50` votes at `snapshot_id = 1`.
+4. **Subsequent Transfer**: Alice transfers `40 GT` to Bob after the snapshot was taken. Alice's current balance becomes `60 GT` and Bob's current balance becomes `90 GT`.
+5. **Vote Counting**: When the voting contract tallies the votes:
+   - Alice's voting weight = `client.balance_at_snapshot(&alice, &1)` -> returns `100`.
+   - Bob's voting weight = `client.balance_at_snapshot(&bob, &1)` -> returns `50`.
+   - The transfer that occurred after the snapshot did not alter their voting weight.
+
+## Design Notes
+
+- **Access Control for `create_snapshot`**: Creating snapshots is strictly restricted to the token `admin` using `caller.require_auth()`. This prevents griefing/spamming snapshot creation to block storage.
+- **Unbounded Storage Prevention**: Balance history entries are entirely activity-driven. If an account is inactive, its history takes `0` additional bytes of storage regardless of how many snapshots are taken.
diff --git a/examples/tokens/04-snapshot-token/src/lib.rs b/examples/tokens/04-snapshot-token/src/lib.rs
new file mode 100644
index 0000000..2088710
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/src/lib.rs
@@ -0,0 +1,280 @@
+#![no_std]
+#![allow(deprecated)]
+use soroban_sdk::{
+    contract, contracterror, contractimpl, contracttype, Address, Env, Map, String, Symbol,
+};
+
+#[contracterror]
+#[derive(Copy, Clone, Debug, Eq, PartialEq, PartialOrd, Ord)]
+pub enum SnapshotTokenError {
+    AlreadyInitialized = 1,
+    NotAuthorized = 2,
+    InsufficientBalance = 3,
+    SnapshotNotFound = 4,
+    InvalidAmount = 5,
+}
+
+#[contracttype]
+#[derive(Clone, Debug, Eq, PartialEq)]
+pub enum DataKey {
+    Admin,
+    Decimals,
+    Name,
+    Symbol,
+    TotalSupply,
+    Balances(Address),
+    SnapshotCounter,
+    SnapshotBalances(Address),
+}
+
+#[contract]
+pub struct SnapshotToken;
+
+#[contractimpl]
+impl SnapshotToken {
+    pub fn initialize(
+        env: Env,
+        admin: Address,
+        decimals: u32,
+        name: String,
+        symbol: String,
+    ) -> Result<(), SnapshotTokenError> {
+        if env.storage().persistent().has(&DataKey::Admin) {
+            return Err(SnapshotTokenError::AlreadyInitialized);
+        }
+        env.storage().persistent().set(&DataKey::Admin, &admin);
+        env.storage()
+            .persistent()
+            .set(&DataKey::Decimals, &decimals);
+        env.storage().persistent().set(&DataKey::Name, &name);
+        env.storage().persistent().set(&DataKey::Symbol, &symbol);
+        env.storage()
+            .persistent()
+            .set(&DataKey::TotalSupply, &0i128);
+        env.storage()
+            .persistent()
+            .set(&DataKey::SnapshotCounter, &0u32);
+        Ok(())
+    }
+
+    pub fn mint(env: Env, to: Address, amount: i128) -> Result<(), SnapshotTokenError> {
+        let admin = get_admin(&env)?;
+        admin.require_auth();
+
+        if amount <= 0 {
+            return Err(SnapshotTokenError::InvalidAmount);
+        }
+
+        record_snapshot_balance(&env, &to);
+
+        let current_bal = get_current_balance(&env, &to);
+        let new_bal = current_bal
+            .checked_add(amount)
+            .ok_or(SnapshotTokenError::InvalidAmount)?;
+        env.storage()
+            .persistent()
+            .set(&DataKey::Balances(to.clone()), &new_bal);
+
+        let total_supply: i128 = env
+            .storage()
+            .persistent()
+            .get(&DataKey::TotalSupply)
+            .unwrap_or(0);
+        let new_supply = total_supply
+            .checked_add(amount)
+            .ok_or(SnapshotTokenError::InvalidAmount)?;
+        env.storage()
+            .persistent()
+            .set(&DataKey::TotalSupply, &new_supply);
+
+        env.events()
+            .publish((Symbol::new(&env, "mint"), admin, to), amount);
+
+        Ok(())
+    }
+
+    pub fn transfer(
+        env: Env,
+        from: Address,
+        to: Address,
+        amount: i128,
+    ) -> Result<(), SnapshotTokenError> {
+        from.require_auth();
+
+        if amount <= 0 {
+            return Err(SnapshotTokenError::InvalidAmount);
+        }
+
+        let from_bal = get_current_balance(&env, &from);
+        if from_bal < amount {
+            return Err(SnapshotTokenError::InsufficientBalance);
+        }
+
+        record_snapshot_balance(&env, &from);
+        record_snapshot_balance(&env, &to);
+
+        let new_from_bal = from_bal - amount;
+        env.storage()
+            .persistent()
+            .set(&DataKey::Balances(from.clone()), &new_from_bal);
+
+        let to_bal = get_current_balance(&env, &to);
+        let new_to_bal = to_bal
+            .checked_add(amount)
+            .ok_or(SnapshotTokenError::InvalidAmount)?;
+        env.storage()
+            .persistent()
+            .set(&DataKey::Balances(to.clone()), &new_to_bal);
+
+        env.events()
+            .publish((Symbol::new(&env, "transfer"), from, to), amount);
+
+        Ok(())
+    }
+
+    pub fn balance(env: Env, account: Address) -> i128 {
+        get_current_balance(&env, &account)
+    }
+
+    pub fn create_snapshot(env: Env, caller: Address) -> Result<u32, SnapshotTokenError> {
+        let admin = get_admin(&env)?;
+        if caller != admin {
+            return Err(SnapshotTokenError::NotAuthorized);
+        }
+        caller.require_auth();
+
+        let current_snap = get_current_snapshot(&env);
+        let next_snap = current_snap
+            .checked_add(1)
+            .ok_or(SnapshotTokenError::InvalidAmount)?;
+
+        env.storage()
+            .persistent()
+            .set(&DataKey::SnapshotCounter, &next_snap);
+
+        env.events()
+            .publish((Symbol::new(&env, "snapshot"), caller), next_snap);
+
+        Ok(next_snap)
+    }
+
+    pub fn balance_at_snapshot(
+        env: Env,
+        account: Address,
+        snapshot_id: u32,
+    ) -> Result<i128, SnapshotTokenError> {
+        get_balance_at_snapshot(&env, account, snapshot_id)
+    }
+
+    pub fn current_snapshot(env: Env) -> u32 {
+        get_current_snapshot(&env)
+    }
+
+    pub fn total_snapshots(env: Env) -> u32 {
+        get_current_snapshot(&env)
+    }
+
+    pub fn decimals(env: Env) -> u32 {
+        env.storage()
+            .persistent()
+            .get(&DataKey::Decimals)
+            .unwrap_or(0)
+    }
+
+    pub fn name(env: Env) -> String {
+        env.storage()
+            .persistent()
+            .get(&DataKey::Name)
+            .unwrap_or_else(|| String::from_str(&env, ""))
+    }
+
+    pub fn symbol(env: Env) -> String {
+        env.storage()
+            .persistent()
+            .get(&DataKey::Symbol)
+            .unwrap_or_else(|| String::from_str(&env, ""))
+    }
+
+    pub fn total_supply(env: Env) -> i128 {
+        env.storage()
+            .persistent()
+            .get(&DataKey::TotalSupply)
+            .unwrap_or(0)
+    }
+
+    pub fn admin(env: Env) -> Result<Address, SnapshotTokenError> {
+        get_admin(&env)
+    }
+}
+
+#[cfg(test)]
+mod test;
+
+// Private helper functions
+
+fn get_admin(env: &Env) -> Result<Address, SnapshotTokenError> {
+    env.storage()
+        .persistent()
+        .get(&DataKey::Admin)
+        .ok_or(SnapshotTokenError::NotAuthorized)
+}
+
+fn get_current_balance(env: &Env, account: &Address) -> i128 {
+    env.storage()
+        .persistent()
+        .get(&DataKey::Balances(account.clone()))
+        .unwrap_or(0)
+}
+
+fn get_current_snapshot(env: &Env) -> u32 {
+    env.storage()
+        .persistent()
+        .get(&DataKey::SnapshotCounter)
+        .unwrap_or(0)
+}
+
+fn record_snapshot_balance(env: &Env, account: &Address) {
+    let current_snap = get_current_snapshot(env);
+    if current_snap == 0 {
+        return;
+    }
+
+    let history_key = DataKey::SnapshotBalances(account.clone());
+    let mut history = env
+        .storage()
+        .persistent()
+        .get::<_, Map<u32, i128>>(&history_key)
+        .unwrap_or_else(|| Map::new(env));
+
+    if !history.contains_key(current_snap) {
+        let current_bal = get_current_balance(env, account);
+        history.set(current_snap, current_bal);
+        env.storage().persistent().set(&history_key, &history);
+    }
+}
+
+fn get_balance_at_snapshot(
+    env: &Env,
+    account: Address,
+    snapshot_id: u32,
+) -> Result<i128, SnapshotTokenError> {
+    let current_snap = get_current_snapshot(env);
+    if snapshot_id == 0 || snapshot_id > current_snap {
+        return Err(SnapshotTokenError::SnapshotNotFound);
+    }
+
+    let history_key = DataKey::SnapshotBalances(account.clone());
+    if let Some(history) = env
+        .storage()
+        .persistent()
+        .get::<_, Map<u32, i128>>(&history_key)
+    {
+        for key in history.keys() {
+            if key >= snapshot_id {
+                return Ok(history.get(key).unwrap_or(0));
+            }
+        }
+    }
+
+    Ok(get_current_balance(env, &account))
+}
diff --git a/examples/tokens/04-snapshot-token/src/test.rs b/examples/tokens/04-snapshot-token/src/test.rs
new file mode 100644
index 0000000..d5e46f3
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/src/test.rs
@@ -0,0 +1,180 @@
+#![cfg(test)]
+#![allow(deprecated)]
+
+use super::*;
+use soroban_sdk::{testutils::Address as _, Address, Env, String};
+
+fn setup_test() -> (Env, SnapshotTokenClient<'static>, Address, Address, Address) {
+    let env = Env::default();
+    env.mock_all_auths();
+
+    let contract_id = env.register_contract(None, SnapshotToken);
+    let client = SnapshotTokenClient::new(&env, &contract_id);
+
+    let admin = Address::generate(&env);
+    let user1 = Address::generate(&env);
+    let user2 = Address::generate(&env);
+
+    client.initialize(
+        &admin,
+        &7,
+        &String::from_str(&env, "GovToken"),
+        &String::from_str(&env, "GT"),
+    );
+
+    (env, client, admin, user1, user2)
+}
+
+#[test]
+fn test_initialization() {
+    let (env, client, admin, _, _) = setup_test();
+    assert_eq!(client.decimals(), 7);
+    assert_eq!(client.name(), String::from_str(&env, "GovToken"));
+    assert_eq!(client.symbol(), String::from_str(&env, "GT"));
+    assert_eq!(client.admin(), admin);
+    assert_eq!(client.total_supply(), 0);
+    assert_eq!(client.current_snapshot(), 0);
+}
+
+#[test]
+fn test_mint_admin() {
+    let (_, client, _, user1, _) = setup_test();
+    let amount = 1000i128;
+    client.mint(&user1, &amount);
+    assert_eq!(client.balance(&user1), amount);
+    assert_eq!(client.total_supply(), amount);
+}
+
+#[test]
+fn test_mint_invalid_amount() {
+    let (_, client, _, user1, _) = setup_test();
+    let err = client.try_mint(&user1, &-100);
+    assert!(err.is_err());
+
+    let err2 = client.try_mint(&user1, &0);
+    assert!(err2.is_err());
+}
+
+#[test]
+fn test_transfer_success() {
+    let (_, client, _, user1, user2) = setup_test();
+    client.mint(&user1, &100);
+    client.transfer(&user1, &user2, &40);
+    assert_eq!(client.balance(&user1), 60);
+    assert_eq!(client.balance(&user2), 40);
+}
+
+#[test]
+fn test_transfer_insufficient_balance() {
+    let (_, client, _, user1, user2) = setup_test();
+    client.mint(&user1, &50);
+    let err = client.try_transfer(&user1, &user2, &100);
+    assert!(err.is_err());
+}
+
+#[test]
+fn test_snapshot_id_incrementing() {
+    let (_, client, admin, _, _) = setup_test();
+    assert_eq!(client.create_snapshot(&admin), 1);
+    assert_eq!(client.current_snapshot(), 1);
+    assert_eq!(client.create_snapshot(&admin), 2);
+    assert_eq!(client.current_snapshot(), 2);
+    assert_eq!(client.total_snapshots(), 2);
+}
+
+#[test]
+fn test_create_snapshot_not_authorized() {
+    let (_, client, _, user1, _) = setup_test();
+    let err = client.try_create_snapshot(&user1);
+    assert!(err.is_err());
+}
+
+#[test]
+fn test_balance_at_snapshot_no_activity() {
+    let (_, client, admin, user1, _) = setup_test();
+    client.mint(&user1, &500);
+
+    assert_eq!(client.create_snapshot(&admin), 1);
+
+    assert_eq!(client.balance_at_snapshot(&user1, &1), 500);
+}
+
+#[test]
+fn test_balance_at_snapshot_change_before() {
+    let (_, client, admin, user1, _) = setup_test();
+    client.mint(&user1, &100);
+    client.mint(&user1, &200);
+
+    assert_eq!(client.create_snapshot(&admin), 1);
+
+    assert_eq!(client.balance_at_snapshot(&user1, &1), 300);
+}
+
+#[test]
+fn test_balance_at_snapshot_unaffected_by_subsequent() {
+    let (_, client, admin, user1, user2) = setup_test();
+    client.mint(&user1, &500);
+
+    assert_eq!(client.create_snapshot(&admin), 1);
+
+    client.transfer(&user1, &user2, &200);
+
+    assert_eq!(client.balance(&user1), 300);
+    assert_eq!(client.balance(&user2), 200);
+
+    assert_eq!(client.balance_at_snapshot(&user1, &1), 500);
+    assert_eq!(client.balance_at_snapshot(&user2, &1), 0);
+}
+
+#[test]
+fn test_multi_snapshot_complex() {
+    let (_, client, admin, user1, user2) = setup_test();
+
+    client.mint(&user1, &100);
+
+    assert_eq!(client.create_snapshot(&admin), 1);
+
+    client.transfer(&user1, &user2, &30);
+
+    assert_eq!(client.create_snapshot(&admin), 2);
+
+    client.mint(&user2, &50);
+
+    assert_eq!(client.create_snapshot(&admin), 3);
+
+    assert_eq!(client.balance_at_snapshot(&user1, &1), 100);
+    assert_eq!(client.balance_at_snapshot(&user2, &1), 0);
+
+    assert_eq!(client.balance_at_snapshot(&user1, &2), 70);
+    assert_eq!(client.balance_at_snapshot(&user2, &2), 30);
+
+    assert_eq!(client.balance_at_snapshot(&user1, &3), 70);
+    assert_eq!(client.balance_at_snapshot(&user2, &3), 80);
+
+    assert_eq!(client.balance(&user1), 70);
+    assert_eq!(client.balance(&user2), 80);
+}
+
+#[test]
+fn test_query_non_existent_snapshot() {
+    let (_, client, admin, user1, _) = setup_test();
+    let err1 = client.try_balance_at_snapshot(&user1, &1);
+    assert!(err1.is_err());
+
+    let err2 = client.try_balance_at_snapshot(&user1, &0);
+    assert!(err2.is_err());
+
+    assert_eq!(client.create_snapshot(&admin), 1);
+    let err3 = client.try_balance_at_snapshot(&user1, &2);
+    assert!(err3.is_err());
+}
+
+#[test]
+fn test_query_user_with_no_history() {
+    let (_, client, admin, _, _) = setup_test();
+    let stranger = Address::generate(&client.env);
+
+    assert_eq!(client.create_snapshot(&admin), 1);
+
+    assert_eq!(client.balance_at_snapshot(&stranger, &1), 0);
+}
diff --git a/examples/tokens/04-snapshot-token/test_snapshots/test/test_balance_at_snapshot_change_before.1.json b/examples/tokens/04-snapshot-token/test_snapshots/test/test_balance_at_snapshot_change_before.1.json
new file mode 100644
index 0000000..30a7cc9
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/test_snapshots/test/test_balance_at_snapshot_change_before.1.json
@@ -0,0 +1,356 @@
+{
+  "generators": {
+    "address": 4,
+    "nonce": 0,
+    "mux_id": 0
+  },
+  "auth": [
+    [],
+    [],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "mint",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                },
+                {
+                  "i128": "100"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "mint",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                },
+                {
+                  "i128": "200"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "create_snapshot",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    []
+  ],
+  "ledger": {
+    "protocol_version": 27,
+    "sequence_number": 0,
+    "timestamp": 0,
+    "network_id": "0000000000000000000000000000000000000000000000000000000000000000",
+    "base_reserve": 0,
+    "min_persistent_entry_ttl": 4096,
+    "min_temp_entry_ttl": 16,
+    "max_entry_ttl": 6312000,
+    "ledger_entries": [
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Admin"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Balances"
+                  },
+                  {
+                    "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "300"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Decimals"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 7
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Name"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GovToken"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotCounter"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 1
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Symbol"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GT"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "TotalSupply"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "300"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": "ledger_key_contract_instance",
+              "durability": "persistent",
+              "val": {
+                "contract_instance": {
+                  "executable": {
+                    "wasm": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
+                  },
+                  "storage": null
+                }
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "801925984706572462"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "1033654523790656264"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "5541220902715666415"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_code": {
+              "ext": "v0",
+              "hash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855",
+              "code": ""
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      }
+    ]
+  },
+  "events": []
+}
\ No newline at end of file
diff --git a/examples/tokens/04-snapshot-token/test_snapshots/test/test_balance_at_snapshot_no_activity.1.json b/examples/tokens/04-snapshot-token/test_snapshots/test/test_balance_at_snapshot_no_activity.1.json
new file mode 100644
index 0000000..9c2fc9f
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/test_snapshots/test/test_balance_at_snapshot_no_activity.1.json
@@ -0,0 +1,314 @@
+{
+  "generators": {
+    "address": 4,
+    "nonce": 0,
+    "mux_id": 0
+  },
+  "auth": [
+    [],
+    [],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "mint",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                },
+                {
+                  "i128": "500"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "create_snapshot",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    []
+  ],
+  "ledger": {
+    "protocol_version": 27,
+    "sequence_number": 0,
+    "timestamp": 0,
+    "network_id": "0000000000000000000000000000000000000000000000000000000000000000",
+    "base_reserve": 0,
+    "min_persistent_entry_ttl": 4096,
+    "min_temp_entry_ttl": 16,
+    "max_entry_ttl": 6312000,
+    "ledger_entries": [
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Admin"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Balances"
+                  },
+                  {
+                    "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "500"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Decimals"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 7
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Name"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GovToken"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotCounter"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 1
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Symbol"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GT"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "TotalSupply"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "500"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": "ledger_key_contract_instance",
+              "durability": "persistent",
+              "val": {
+                "contract_instance": {
+                  "executable": {
+                    "wasm": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
+                  },
+                  "storage": null
+                }
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "801925984706572462"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "5541220902715666415"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_code": {
+              "ext": "v0",
+              "hash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855",
+              "code": ""
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      }
+    ]
+  },
+  "events": []
+}
\ No newline at end of file
diff --git a/examples/tokens/04-snapshot-token/test_snapshots/test/test_balance_at_snapshot_unaffected_by_subsequent.1.json b/examples/tokens/04-snapshot-token/test_snapshots/test/test_balance_at_snapshot_unaffected_by_subsequent.1.json
new file mode 100644
index 0000000..d21163c
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/test_snapshots/test/test_balance_at_snapshot_unaffected_by_subsequent.1.json
@@ -0,0 +1,461 @@
+{
+  "generators": {
+    "address": 4,
+    "nonce": 0,
+    "mux_id": 0
+  },
+  "auth": [
+    [],
+    [],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "mint",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                },
+                {
+                  "i128": "500"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "create_snapshot",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "transfer",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                },
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAITA4"
+                },
+                {
+                  "i128": "200"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [],
+    [],
+    [],
+    []
+  ],
+  "ledger": {
+    "protocol_version": 27,
+    "sequence_number": 0,
+    "timestamp": 0,
+    "network_id": "0000000000000000000000000000000000000000000000000000000000000000",
+    "base_reserve": 0,
+    "min_persistent_entry_ttl": 4096,
+    "min_temp_entry_ttl": 16,
+    "max_entry_ttl": 6312000,
+    "ledger_entries": [
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Admin"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Balances"
+                  },
+                  {
+                    "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "300"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Balances"
+                  },
+                  {
+                    "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAITA4"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "200"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Decimals"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 7
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Name"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GovToken"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotBalances"
+                  },
+                  {
+                    "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "map": [
+                  {
+                    "key": {
+                      "u32": 1
+                    },
+                    "val": {
+                      "i128": "500"
+                    }
+                  }
+                ]
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotBalances"
+                  },
+                  {
+                    "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAITA4"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "map": [
+                  {
+                    "key": {
+                      "u32": 1
+                    },
+                    "val": {
+                      "i128": "0"
+                    }
+                  }
+                ]
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotCounter"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 1
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Symbol"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GT"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "TotalSupply"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "500"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": "ledger_key_contract_instance",
+              "durability": "persistent",
+              "val": {
+                "contract_instance": {
+                  "executable": {
+                    "wasm": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
+                  },
+                  "storage": null
+                }
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "801925984706572462"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "5541220902715666415"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "1033654523790656264"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_code": {
+              "ext": "v0",
+              "hash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855",
+              "code": ""
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      }
+    ]
+  },
+  "events": []
+}
\ No newline at end of file
diff --git a/examples/tokens/04-snapshot-token/test_snapshots/test/test_create_snapshot_not_authorized.1.json b/examples/tokens/04-snapshot-token/test_snapshots/test/test_create_snapshot_not_authorized.1.json
new file mode 100644
index 0000000..40c6a14
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/test_snapshots/test/test_create_snapshot_not_authorized.1.json
@@ -0,0 +1,206 @@
+{
+  "generators": {
+    "address": 4,
+    "nonce": 0,
+    "mux_id": 0
+  },
+  "auth": [
+    [],
+    [],
+    []
+  ],
+  "ledger": {
+    "protocol_version": 27,
+    "sequence_number": 0,
+    "timestamp": 0,
+    "network_id": "0000000000000000000000000000000000000000000000000000000000000000",
+    "base_reserve": 0,
+    "min_persistent_entry_ttl": 4096,
+    "min_temp_entry_ttl": 16,
+    "max_entry_ttl": 6312000,
+    "ledger_entries": [
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Admin"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Decimals"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 7
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Name"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GovToken"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotCounter"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 0
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Symbol"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GT"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "TotalSupply"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "0"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": "ledger_key_contract_instance",
+              "durability": "persistent",
+              "val": {
+                "contract_instance": {
+                  "executable": {
+                    "wasm": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
+                  },
+                  "storage": null
+                }
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_code": {
+              "ext": "v0",
+              "hash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855",
+              "code": ""
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      }
+    ]
+  },
+  "events": []
+}
\ No newline at end of file
diff --git a/examples/tokens/04-snapshot-token/test_snapshots/test/test_initialization.1.json b/examples/tokens/04-snapshot-token/test_snapshots/test/test_initialization.1.json
new file mode 100644
index 0000000..2970b89
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/test_snapshots/test/test_initialization.1.json
@@ -0,0 +1,211 @@
+{
+  "generators": {
+    "address": 4,
+    "nonce": 0,
+    "mux_id": 0
+  },
+  "auth": [
+    [],
+    [],
+    [],
+    [],
+    [],
+    [],
+    [],
+    []
+  ],
+  "ledger": {
+    "protocol_version": 27,
+    "sequence_number": 0,
+    "timestamp": 0,
+    "network_id": "0000000000000000000000000000000000000000000000000000000000000000",
+    "base_reserve": 0,
+    "min_persistent_entry_ttl": 4096,
+    "min_temp_entry_ttl": 16,
+    "max_entry_ttl": 6312000,
+    "ledger_entries": [
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Admin"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Decimals"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 7
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Name"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GovToken"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotCounter"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 0
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Symbol"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GT"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "TotalSupply"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "0"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": "ledger_key_contract_instance",
+              "durability": "persistent",
+              "val": {
+                "contract_instance": {
+                  "executable": {
+                    "wasm": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
+                  },
+                  "storage": null
+                }
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_code": {
+              "ext": "v0",
+              "hash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855",
+              "code": ""
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      }
+    ]
+  },
+  "events": []
+}
\ No newline at end of file
diff --git a/examples/tokens/04-snapshot-token/test_snapshots/test/test_mint_admin.1.json b/examples/tokens/04-snapshot-token/test_snapshots/test/test_mint_admin.1.json
new file mode 100644
index 0000000..4fc72ec
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/test_snapshots/test/test_mint_admin.1.json
@@ -0,0 +1,276 @@
+{
+  "generators": {
+    "address": 4,
+    "nonce": 0,
+    "mux_id": 0
+  },
+  "auth": [
+    [],
+    [],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "mint",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                },
+                {
+                  "i128": "1000"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [],
+    []
+  ],
+  "ledger": {
+    "protocol_version": 27,
+    "sequence_number": 0,
+    "timestamp": 0,
+    "network_id": "0000000000000000000000000000000000000000000000000000000000000000",
+    "base_reserve": 0,
+    "min_persistent_entry_ttl": 4096,
+    "min_temp_entry_ttl": 16,
+    "max_entry_ttl": 6312000,
+    "ledger_entries": [
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Admin"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Balances"
+                  },
+                  {
+                    "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "1000"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Decimals"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 7
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Name"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GovToken"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotCounter"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 0
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Symbol"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GT"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "TotalSupply"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "1000"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": "ledger_key_contract_instance",
+              "durability": "persistent",
+              "val": {
+                "contract_instance": {
+                  "executable": {
+                    "wasm": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
+                  },
+                  "storage": null
+                }
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "801925984706572462"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_code": {
+              "ext": "v0",
+              "hash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855",
+              "code": ""
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      }
+    ]
+  },
+  "events": []
+}
\ No newline at end of file
diff --git a/examples/tokens/04-snapshot-token/test_snapshots/test/test_mint_invalid_amount.1.json b/examples/tokens/04-snapshot-token/test_snapshots/test/test_mint_invalid_amount.1.json
new file mode 100644
index 0000000..04c0d31
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/test_snapshots/test/test_mint_invalid_amount.1.json
@@ -0,0 +1,207 @@
+{
+  "generators": {
+    "address": 4,
+    "nonce": 0,
+    "mux_id": 0
+  },
+  "auth": [
+    [],
+    [],
+    [],
+    []
+  ],
+  "ledger": {
+    "protocol_version": 27,
+    "sequence_number": 0,
+    "timestamp": 0,
+    "network_id": "0000000000000000000000000000000000000000000000000000000000000000",
+    "base_reserve": 0,
+    "min_persistent_entry_ttl": 4096,
+    "min_temp_entry_ttl": 16,
+    "max_entry_ttl": 6312000,
+    "ledger_entries": [
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Admin"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Decimals"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 7
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Name"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GovToken"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotCounter"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 0
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Symbol"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GT"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "TotalSupply"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "0"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": "ledger_key_contract_instance",
+              "durability": "persistent",
+              "val": {
+                "contract_instance": {
+                  "executable": {
+                    "wasm": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
+                  },
+                  "storage": null
+                }
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_code": {
+              "ext": "v0",
+              "hash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855",
+              "code": ""
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      }
+    ]
+  },
+  "events": []
+}
\ No newline at end of file
diff --git a/examples/tokens/04-snapshot-token/test_snapshots/test/test_multi_snapshot_complex.1.json b/examples/tokens/04-snapshot-token/test_snapshots/test/test_multi_snapshot_complex.1.json
new file mode 100644
index 0000000..83389d6
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/test_snapshots/test/test_multi_snapshot_complex.1.json
@@ -0,0 +1,593 @@
+{
+  "generators": {
+    "address": 4,
+    "nonce": 0,
+    "mux_id": 0
+  },
+  "auth": [
+    [],
+    [],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "mint",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                },
+                {
+                  "i128": "100"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "create_snapshot",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "transfer",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                },
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAITA4"
+                },
+                {
+                  "i128": "30"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "create_snapshot",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "mint",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAITA4"
+                },
+                {
+                  "i128": "50"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "create_snapshot",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [],
+    [],
+    [],
+    [],
+    [],
+    [],
+    [],
+    []
+  ],
+  "ledger": {
+    "protocol_version": 27,
+    "sequence_number": 0,
+    "timestamp": 0,
+    "network_id": "0000000000000000000000000000000000000000000000000000000000000000",
+    "base_reserve": 0,
+    "min_persistent_entry_ttl": 4096,
+    "min_temp_entry_ttl": 16,
+    "max_entry_ttl": 6312000,
+    "ledger_entries": [
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Admin"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Balances"
+                  },
+                  {
+                    "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "70"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Balances"
+                  },
+                  {
+                    "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAITA4"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "80"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Decimals"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 7
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Name"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GovToken"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotBalances"
+                  },
+                  {
+                    "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "map": [
+                  {
+                    "key": {
+                      "u32": 1
+                    },
+                    "val": {
+                      "i128": "100"
+                    }
+                  }
+                ]
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotBalances"
+                  },
+                  {
+                    "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAITA4"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "map": [
+                  {
+                    "key": {
+                      "u32": 1
+                    },
+                    "val": {
+                      "i128": "0"
+                    }
+                  },
+                  {
+                    "key": {
+                      "u32": 2
+                    },
+                    "val": {
+                      "i128": "30"
+                    }
+                  }
+                ]
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotCounter"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 3
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Symbol"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GT"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "TotalSupply"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "150"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": "ledger_key_contract_instance",
+              "durability": "persistent",
+              "val": {
+                "contract_instance": {
+                  "executable": {
+                    "wasm": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
+                  },
+                  "storage": null
+                }
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "801925984706572462"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "2032731177588607455"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "4270020994084947596"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "4837995959683129791"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "5541220902715666415"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "1033654523790656264"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_code": {
+              "ext": "v0",
+              "hash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855",
+              "code": ""
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      }
+    ]
+  },
+  "events": []
+}
\ No newline at end of file
diff --git a/examples/tokens/04-snapshot-token/test_snapshots/test/test_query_non_existent_snapshot.1.json b/examples/tokens/04-snapshot-token/test_snapshots/test/test_query_non_existent_snapshot.1.json
new file mode 100644
index 0000000..5d0d839
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/test_snapshots/test/test_query_non_existent_snapshot.1.json
@@ -0,0 +1,247 @@
+{
+  "generators": {
+    "address": 4,
+    "nonce": 0,
+    "mux_id": 0
+  },
+  "auth": [
+    [],
+    [],
+    [],
+    [],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "create_snapshot",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    []
+  ],
+  "ledger": {
+    "protocol_version": 27,
+    "sequence_number": 0,
+    "timestamp": 0,
+    "network_id": "0000000000000000000000000000000000000000000000000000000000000000",
+    "base_reserve": 0,
+    "min_persistent_entry_ttl": 4096,
+    "min_temp_entry_ttl": 16,
+    "max_entry_ttl": 6312000,
+    "ledger_entries": [
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Admin"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Decimals"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 7
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Name"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GovToken"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotCounter"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 1
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Symbol"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GT"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "TotalSupply"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "0"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": "ledger_key_contract_instance",
+              "durability": "persistent",
+              "val": {
+                "contract_instance": {
+                  "executable": {
+                    "wasm": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
+                  },
+                  "storage": null
+                }
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "801925984706572462"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_code": {
+              "ext": "v0",
+              "hash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855",
+              "code": ""
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      }
+    ]
+  },
+  "events": []
+}
\ No newline at end of file
diff --git a/examples/tokens/04-snapshot-token/test_snapshots/test/test_query_user_with_no_history.1.json b/examples/tokens/04-snapshot-token/test_snapshots/test/test_query_user_with_no_history.1.json
new file mode 100644
index 0000000..e4c9e25
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/test_snapshots/test/test_query_user_with_no_history.1.json
@@ -0,0 +1,245 @@
+{
+  "generators": {
+    "address": 5,
+    "nonce": 0,
+    "mux_id": 0
+  },
+  "auth": [
+    [],
+    [],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "create_snapshot",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    []
+  ],
+  "ledger": {
+    "protocol_version": 27,
+    "sequence_number": 0,
+    "timestamp": 0,
+    "network_id": "0000000000000000000000000000000000000000000000000000000000000000",
+    "base_reserve": 0,
+    "min_persistent_entry_ttl": 4096,
+    "min_temp_entry_ttl": 16,
+    "max_entry_ttl": 6312000,
+    "ledger_entries": [
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Admin"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Decimals"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 7
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Name"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GovToken"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotCounter"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 1
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Symbol"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GT"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "TotalSupply"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "0"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": "ledger_key_contract_instance",
+              "durability": "persistent",
+              "val": {
+                "contract_instance": {
+                  "executable": {
+                    "wasm": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
+                  },
+                  "storage": null
+                }
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "801925984706572462"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_code": {
+              "ext": "v0",
+              "hash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855",
+              "code": ""
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      }
+    ]
+  },
+  "events": []
+}
\ No newline at end of file
diff --git a/examples/tokens/04-snapshot-token/test_snapshots/test/test_snapshot_id_incrementing.1.json b/examples/tokens/04-snapshot-token/test_snapshots/test/test_snapshot_id_incrementing.1.json
new file mode 100644
index 0000000..deaf303
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/test_snapshots/test/test_snapshot_id_incrementing.1.json
@@ -0,0 +1,286 @@
+{
+  "generators": {
+    "address": 4,
+    "nonce": 0,
+    "mux_id": 0
+  },
+  "auth": [
+    [],
+    [],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "create_snapshot",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "create_snapshot",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [],
+    []
+  ],
+  "ledger": {
+    "protocol_version": 27,
+    "sequence_number": 0,
+    "timestamp": 0,
+    "network_id": "0000000000000000000000000000000000000000000000000000000000000000",
+    "base_reserve": 0,
+    "min_persistent_entry_ttl": 4096,
+    "min_temp_entry_ttl": 16,
+    "max_entry_ttl": 6312000,
+    "ledger_entries": [
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Admin"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Decimals"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 7
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Name"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GovToken"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotCounter"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 2
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Symbol"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GT"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "TotalSupply"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "0"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": "ledger_key_contract_instance",
+              "durability": "persistent",
+              "val": {
+                "contract_instance": {
+                  "executable": {
+                    "wasm": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
+                  },
+                  "storage": null
+                }
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "801925984706572462"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "5541220902715666415"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_code": {
+              "ext": "v0",
+              "hash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855",
+              "code": ""
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      }
+    ]
+  },
+  "events": []
+}
\ No newline at end of file
diff --git a/examples/tokens/04-snapshot-token/test_snapshots/test/test_transfer_insufficient_balance.1.json b/examples/tokens/04-snapshot-token/test_snapshots/test/test_transfer_insufficient_balance.1.json
new file mode 100644
index 0000000..3a9bdf2
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/test_snapshots/test/test_transfer_insufficient_balance.1.json
@@ -0,0 +1,275 @@
+{
+  "generators": {
+    "address": 4,
+    "nonce": 0,
+    "mux_id": 0
+  },
+  "auth": [
+    [],
+    [],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "mint",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                },
+                {
+                  "i128": "50"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    []
+  ],
+  "ledger": {
+    "protocol_version": 27,
+    "sequence_number": 0,
+    "timestamp": 0,
+    "network_id": "0000000000000000000000000000000000000000000000000000000000000000",
+    "base_reserve": 0,
+    "min_persistent_entry_ttl": 4096,
+    "min_temp_entry_ttl": 16,
+    "max_entry_ttl": 6312000,
+    "ledger_entries": [
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Admin"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Balances"
+                  },
+                  {
+                    "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "50"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Decimals"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 7
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Name"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GovToken"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotCounter"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 0
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Symbol"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GT"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "TotalSupply"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "50"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": "ledger_key_contract_instance",
+              "durability": "persistent",
+              "val": {
+                "contract_instance": {
+                  "executable": {
+                    "wasm": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
+                  },
+                  "storage": null
+                }
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "801925984706572462"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_code": {
+              "ext": "v0",
+              "hash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855",
+              "code": ""
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      }
+    ]
+  },
+  "events": []
+}
\ No newline at end of file
diff --git a/examples/tokens/04-snapshot-token/test_snapshots/test/test_transfer_success.1.json b/examples/tokens/04-snapshot-token/test_snapshots/test/test_transfer_success.1.json
new file mode 100644
index 0000000..3761f9c
--- /dev/null
+++ b/examples/tokens/04-snapshot-token/test_snapshots/test/test_transfer_success.1.json
@@ -0,0 +1,348 @@
+{
+  "generators": {
+    "address": 4,
+    "nonce": 0,
+    "mux_id": 0
+  },
+  "auth": [
+    [],
+    [],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "mint",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                },
+                {
+                  "i128": "100"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [
+      [
+        "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M",
+        {
+          "function": {
+            "contract_fn": {
+              "contract_address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "function_name": "transfer",
+              "args": [
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                },
+                {
+                  "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAITA4"
+                },
+                {
+                  "i128": "40"
+                }
+              ]
+            }
+          },
+          "sub_invocations": []
+        }
+      ]
+    ],
+    [],
+    []
+  ],
+  "ledger": {
+    "protocol_version": 27,
+    "sequence_number": 0,
+    "timestamp": 0,
+    "network_id": "0000000000000000000000000000000000000000000000000000000000000000",
+    "base_reserve": 0,
+    "min_persistent_entry_ttl": 4096,
+    "min_temp_entry_ttl": 16,
+    "max_entry_ttl": 6312000,
+    "ledger_entries": [
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Admin"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Balances"
+                  },
+                  {
+                    "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "60"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Balances"
+                  },
+                  {
+                    "address": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAITA4"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "40"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Decimals"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 7
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Name"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GovToken"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "SnapshotCounter"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "u32": 0
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "Symbol"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "string": "GT"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": {
+                "vec": [
+                  {
+                    "symbol": "TotalSupply"
+                  }
+                ]
+              },
+              "durability": "persistent",
+              "val": {
+                "i128": "100"
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD2KM",
+              "key": "ledger_key_contract_instance",
+              "durability": "persistent",
+              "val": {
+                "contract_instance": {
+                  "executable": {
+                    "wasm": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
+                  },
+                  "storage": null
+                }
+              }
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAFCT4",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "801925984706572462"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_data": {
+              "ext": "v0",
+              "contract": "CAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHK3M",
+              "key": {
+                "ledger_key_nonce": {
+                  "nonce": "5541220902715666415"
+                }
+              },
+              "durability": "temporary",
+              "val": "void"
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 6311999
+      },
+      {
+        "entry": {
+          "last_modified_ledger_seq": 0,
+          "data": {
+            "contract_code": {
+              "ext": "v0",
+              "hash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855",
+              "code": ""
+            }
+          },
+          "ext": "v0"
+        },
+        "live_until": 4095
+      }
+    ]
+  },
+  "events": []
+}
\ No newline at end of file
diff --git a/examples/tokens/README.md b/examples/tokens/README.md
new file mode 100644
index 0000000..072b37b
--- /dev/null
+++ b/examples/tokens/README.md
@@ -0,0 +1,8 @@
+# Soroban Cookbook - Tokens Category
+
+This category contains cookbook recipes and example contracts demonstrating how to implement and extend token standards on Stellar's Soroban smart contract platform.
+
+## Examples
+
+- **[04-snapshot-token](./04-snapshot-token)**
+  A complete SEP-41-style fungible token with efficient snapshot balance tracking. It implements the sparse-snapshot pattern to record point-in-time balance snapshots, which are essential for historical queries and decentralized governance voting-power calculations.
diff --git a/hooks/__tests__/useReminderPrefs.test.tsx b/hooks/__tests__/useReminderPrefs.test.tsx
new file mode 100644
index 0000000..4bdb4a1
--- /dev/null
+++ b/hooks/__tests__/useReminderPrefs.test.tsx
@@ -0,0 +1,311 @@
+import { describe, it, expect, beforeEach, afterEach, vi } from "vitest";
+import { renderHook, act } from "@testing-library/react";
+import { useMaturityReminder } from "../useMaturityReminder";
+import { useFundingReminder } from "../useFundingReminder";
+import { useRepaymentReminder } from "../useRepaymentReminder";
+import { useSettingsStore, DEFAULT_NOTIFICATION_PREFS } from "../../store/settingsStore";
+import { useToast } from "@/hooks/useToast";
+import type { Invoice } from "../../types/invoice";
+
+vi.mock("@/lib/env", () => ({
+  env: {
+    NEXT_PUBLIC_STELLAR_NETWORK: "testnet",
+    NEXT_PUBLIC_STELLAR_RPC_URL: "https://soroban-testnet.stellar.org",
+    NEXT_PUBLIC_STELLAR_HORIZON_URL: "https://horizon-testnet.stellar.org",
+    NEXT_PUBLIC_STELLAR_NETWORK_PASSPHRASE: "Test SDF Network ; September 2015",
+    NEXT_PUBLIC_INVOICE_CONTRACT_ID: "CBIELTK6YBZJU5UP2WWQEUCYKLPU6AUNZ2BQ4WWFEIE3USCIHMXQDAMA",
+    NEXT_PUBLIC_MARKETPLACE_CONTRACT_ID: "CBIELTK6YBZJU5UP2WWQEUCYKLPU6AUNZ2BQ4WWFEIE3USCIHMXQDAMA",
+    NEXT_PUBLIC_TOKEN_CONTRACT_ID: "CBIELTK6YBZJU5UP2WWQEUCYKLPU6AUNZ2BQ4WWFEIE3USCIHMXQDAMA",
+    NEXT_PUBLIC_IPFS_GATEWAY: "https://ipfs.io/ipfs/",
+    NEXT_PUBLIC_ENABLE_MOCK_DATA: true,
+  },
+}));
+
+vi.mock("next-intl", () => ({
+  useTranslations: () => (key: string) => key,
+}));
+
+vi.mock("@/hooks/useToast", () => {
+  const success = vi.fn();
+  const error = vi.fn();
+  const dismiss = vi.fn();
+  return {
+    useToast: () => ({
+      success,
+      error,
+      dismiss,
+    }),
+  };
+});
+
+const mockInvoices: Invoice[] = [
+  {
+    id: "inv-1",
+    tokenId: "token-1",
+    ownerAddress: "owner-1",
+    status: "listed",
+    createdAt: "2026-07-01",
+    terms: {
+      apr: 0.1,
+      discountRate: 0.05,
+      repaymentDate: "", // set dynamically in tests
+      minInvestment: 100,
+      maxInvestment: 1000,
+    },
+    funding: {
+      totalRaised: 500,
+      fundingProgress: 0.5,
+    },
+    metadata: {
+      invoiceNumber: "INV-001",
+      debtorName: "Debtor 1",
+      debtorAddress: "Address 1",
+      amount: 1000,
+      dueDate: "2026-08-01",
+      jurisdiction: "US",
+      category: "tech",
+    },
+  },
+];
+
+describe("Reminder preferences hooks gating tests", () => {
+  beforeEach(() => {
+    vi.clearAllMocks();
+    localStorage.clear();
+    useSettingsStore.setState({
+      notifications: { ...DEFAULT_NOTIFICATION_PREFS },
+    });
+  });
+
+  afterEach(() => {
+    vi.useRealTimers();
+  });
+
+  describe("useMaturityReminder", () => {
+    it("fires maturity reminder when preference is ON and daysLeft matches", () => {
+      const date = new Date();
+      date.setDate(date.getDate() + 3);
+      const invoice = {
+        ...mockInvoices[0],
+        terms: {
+          ...mockInvoices[0].terms,
+          repaymentDate: date.toISOString().split("T")[0],
+        },
+      };
+
+      renderHook(() => useMaturityReminder([invoice]));
+
+      const toast = useToast();
+      expect(toast.success).toHaveBeenCalledWith(
+        expect.stringContaining("matures in 3 days"),
+        undefined,
+        "maturityReminder",
+        "maturityReminder"
+      );
+    });
+
+    it("does NOT fire maturity reminder when preference is OFF", () => {
+      useSettingsStore.setState({
+        notifications: {
+          ...DEFAULT_NOTIFICATION_PREFS,
+          maturityReminder: false,
+        },
+      });
+
+      const date = new Date();
+      date.setDate(date.getDate() + 3);
+      const invoice = {
+        ...mockInvoices[0],
+        terms: {
+          ...mockInvoices[0].terms,
+          repaymentDate: date.toISOString().split("T")[0],
+        },
+      };
+
+      renderHook(() => useMaturityReminder([invoice]));
+
+      const toast = useToast();
+      expect(toast.success).not.toHaveBeenCalled();
+    });
+
+    it("actively dismisses active maturity reminders when preference is toggled OFF", () => {
+      useSettingsStore.setState({
+        notifications: {
+          ...DEFAULT_NOTIFICATION_PREFS,
+          maturityReminder: true,
+        },
+      });
+
+      renderHook(() => useMaturityReminder([]));
+
+      act(() => {
+        useSettingsStore.setState({
+          notifications: {
+            ...DEFAULT_NOTIFICATION_PREFS,
+            maturityReminder: false,
+          },
+        });
+      });
+
+      const toast = useToast();
+      expect(toast.dismiss).toHaveBeenCalledWith("maturityReminder");
+    });
+  });
+
+  describe("useFundingReminder", () => {
+    it("fires funding reminder when preference is ON and invoice is fully funded", () => {
+      const invoice: Invoice = {
+        ...mockInvoices[0],
+        status: "fully_funded",
+        funding: {
+          totalRaised: 1000,
+          fundingProgress: 1.0,
+        },
+      };
+
+      renderHook(() => useFundingReminder([invoice]));
+
+      const toast = useToast();
+      expect(toast.success).toHaveBeenCalledWith(
+        expect.stringContaining("is fully funded"),
+        undefined,
+        "fundingAlert",
+        "invoiceFunded"
+      );
+    });
+
+    it("does NOT fire funding reminder when preference is OFF", () => {
+      useSettingsStore.setState({
+        notifications: {
+          ...DEFAULT_NOTIFICATION_PREFS,
+          fundingAlerts: false,
+        },
+      });
+
+      const invoice: Invoice = {
+        ...mockInvoices[0],
+        status: "fully_funded",
+        funding: {
+          totalRaised: 1000,
+          fundingProgress: 1.0,
+        },
+      };
+
+      renderHook(() => useFundingReminder([invoice]));
+
+      const toast = useToast();
+      expect(toast.success).not.toHaveBeenCalled();
+    });
+
+    it("actively dismisses funding reminders when preference is toggled OFF", () => {
+      useSettingsStore.setState({
+        notifications: {
+          ...DEFAULT_NOTIFICATION_PREFS,
+          fundingAlerts: true,
+        },
+      });
+
+      renderHook(() => useFundingReminder([]));
+
+      act(() => {
+        useSettingsStore.setState({
+          notifications: {
+            ...DEFAULT_NOTIFICATION_PREFS,
+            fundingAlerts: false,
+          },
+        });
+      });
+
+      const toast = useToast();
+      expect(toast.dismiss).toHaveBeenCalledWith("fundingAlert");
+    });
+  });
+
+  describe("useRepaymentReminder", () => {
+    it("fires repayment reminder when preference is ON and invoice is due/overdue", () => {
+      const date = new Date();
+      date.setDate(date.getDate() - 1);
+      const invoice: Invoice = {
+        ...mockInvoices[0],
+        status: "fully_funded",
+        terms: {
+          ...mockInvoices[0].terms,
+          repaymentDate: date.toISOString().split("T")[0],
+        },
+      };
+
+      renderHook(() => useRepaymentReminder([invoice]));
+
+      const toast = useToast();
+      expect(toast.error).toHaveBeenCalledWith(
+        expect.stringContaining("is due or overdue for repayment"),
+        undefined,
+        undefined,
+        "repaymentAlert",
+        "yieldAvailable"
+      );
+    });
+
+    it("does NOT fire repayment reminder when preference is OFF", () => {
+      useSettingsStore.setState({
+        notifications: {
+          ...DEFAULT_NOTIFICATION_PREFS,
+          repaymentAlerts: false,
+        },
+      });
+
+      const date = new Date();
+      date.setDate(date.getDate() - 1);
+      const invoice: Invoice = {
+        ...mockInvoices[0],
+        status: "fully_funded",
+        terms: {
+          ...mockInvoices[0].terms,
+          repaymentDate: date.toISOString().split("T")[0],
+        },
+      };
+
+      renderHook(() => useRepaymentReminder([invoice]));
+
+      const toast = useToast();
+      expect(toast.error).not.toHaveBeenCalled();
+    });
+
+    it("actively dismisses repayment reminders when preference is toggled OFF", () => {
+      useSettingsStore.setState({
+        notifications: {
+          ...DEFAULT_NOTIFICATION_PREFS,
+          repaymentAlerts: true,
+        },
+      });
+
+      renderHook(() => useRepaymentReminder([]));
+
+      act(() => {
+        useSettingsStore.setState({
+          notifications: {
+            ...DEFAULT_NOTIFICATION_PREFS,
+            repaymentAlerts: false,
+          },
+        });
+      });
+
+      const toast = useToast();
+      expect(toast.dismiss).toHaveBeenCalledWith("repaymentAlert");
+    });
+  });
+
+  describe("Settings store persistence and verification", () => {
+    it("persists settings correctly", () => {
+      useSettingsStore.getState().setNotifications({ maturityReminder: false });
+      expect(useSettingsStore.getState().notifications.maturityReminder).toBe(false);
+    });
+
+    it("loads default values correctly", () => {
+      const { notifications } = useSettingsStore.getState();
+      expect(notifications.maturityReminder).toBe(true);
+      expect(notifications.fundingAlerts).toBe(true);
+      expect(notifications.repaymentAlerts).toBe(true);
+    });
+  });
+});
diff --git a/hooks/useContractEvents.tsx b/hooks/useContractEvents.tsx
index 436d676..338eccf 100644
--- a/hooks/useContractEvents.tsx
+++ b/hooks/useContractEvents.tsx
@@ -27,6 +27,7 @@ import { queryKeys } from "@/lib/queryKeys";
 import { useWalletStore } from "@/store/walletStore";
 import { useInvoiceStore } from "@/store/invoiceStore";
 import { useUIStore } from "@/store/uiStore";
+import { useSettingsStore } from "@/store/settingsStore";
 import { useNetworkStatus } from "@/hooks/useNetworkStatus";
 import { env } from "@/lib/env";
 import { useFormatters } from "@/hooks/useFormatters";
@@ -238,6 +239,7 @@ export function useContractEvents(options: UseContractEventsOptions = {}) {
 
   const queryClient = useQueryClient();
   const { address: walletAddress } = useWalletStore();
+  const { notifications } = useSettingsStore();
   const notificationPreferences = useUIStore((s) => s.notificationPreferences);
   const { health } = useNetworkStatus();
   const { updateInvoiceFunding } = useInvoiceStore();
@@ -313,8 +315,18 @@ export function useContractEvents(options: UseContractEventsOptions = {}) {
         processedEventIds.current.add(event.id);
         invalidateCachesForEvent(event, queryClient, updateInvoiceFunding);
 
-        if (walletAddress && notificationPreferences.invoiceFunded) {
-          showEventToast(event, walletAddress);
+        if (walletAddress) {
+          let shouldShow = false;
+          if (event.type === "invoice_funded") {
+            shouldShow = notifications.fundingAlerts;
+          } else if (event.type === "invoice_repaid") {
+            shouldShow = notifications.repaymentAlerts;
+          } else if (event.type === "invoice_cancelled") {
+            shouldShow = notifications.fundingAlerts || notifications.repaymentAlerts;
+          }
+          if (shouldShow) {
+            showEventToast(event, walletAddress);
+          }
         }
       }
 
@@ -323,7 +335,7 @@ export function useContractEvents(options: UseContractEventsOptions = {}) {
         processedEventIds.current = new Set(arr.slice(-250));
       }
     },
-    [queryClient, walletAddress, notificationPreferences.invoiceFunded, updateInvoiceFunding, showEventToast]
+    [queryClient, walletAddress, notifications.fundingAlerts, notifications.repaymentAlerts, updateInvoiceFunding, showEventToast]
   );
 
   const fetchOnce = useCallback(async () => {
diff --git a/hooks/useFormatters.ts b/hooks/useFormatters.ts
index d55fb85..a6d2184 100644
--- a/hooks/useFormatters.ts
+++ b/hooks/useFormatters.ts
@@ -85,7 +85,7 @@ export function useFormatters() {
       options?: Intl.NumberFormatOptions,
     ): string => {
       const n = value ?? 0;
-      return intl.number(n, options);
+      return intl.number(n, options as any);
     };
 
     const formatCompactNumber = (value: number | null | undefined): string => {
diff --git a/hooks/useFundingReminder.ts b/hooks/useFundingReminder.ts
new file mode 100644
index 0000000..0ab3246
--- /dev/null
+++ b/hooks/useFundingReminder.ts
@@ -0,0 +1,54 @@
+"use client";
+
+import { useEffect } from "react";
+import { useToast } from "@/hooks/useToast";
+import { useSettingsStore } from "@/store/settingsStore";
+import type { Invoice } from "@/types/invoice";
+
+const REMINDER_STORAGE_KEY = "kora-funding-reminders";
+
+function getReminderKeys(): string[] {
+  if (typeof window === "undefined") return [];
+  try {
+    const parsed = JSON.parse(localStorage.getItem(REMINDER_STORAGE_KEY) || "[]");
+    return Array.isArray(parsed) ? parsed : [];
+  } catch {
+    return [];
+  }
+}
+
+function markReminderShown(key: string) {
+  if (typeof window === "undefined") return;
+  const keys = getReminderKeys();
+  if (keys.includes(key)) return;
+  localStorage.setItem(REMINDER_STORAGE_KEY, JSON.stringify([key, ...keys].slice(0, 50)));
+}
+
+export function useFundingReminder(invoices: Invoice[]) {
+  const { notifications } = useSettingsStore();
+  const toast = useToast();
+
+  useEffect(() => {
+    if (!notifications.fundingAlerts) {
+      toast.dismiss("fundingAlert");
+      return;
+    }
+    if (invoices.length === 0) return;
+
+    invoices.forEach((invoice) => {
+      const isFullyFunded = invoice.status === "fully_funded" || invoice.funding.fundingProgress >= 1;
+      if (!isFullyFunded) return;
+
+      const reminderKey = `${invoice.id}:fully_funded`;
+      if (getReminderKeys().includes(reminderKey)) return;
+
+      toast.success(
+        `Funding alert: Invoice ${invoice.metadata.invoiceNumber} is fully funded!`,
+        undefined,
+        "fundingAlert",
+        "invoiceFunded"
+      );
+      markReminderShown(reminderKey);
+    });
+  }, [invoices, notifications.fundingAlerts, toast]);
+}
diff --git a/hooks/useMaturityReminder.ts b/hooks/useMaturityReminder.ts
index f982207..7e9e3f1 100644
--- a/hooks/useMaturityReminder.ts
+++ b/hooks/useMaturityReminder.ts
@@ -3,7 +3,7 @@
 import { useEffect } from "react";
 import { useToast } from "@/hooks/useToast";
 import { useSettingsStore } from "@/store/settingsStore";
-import type { Invoice } from "@/types";
+import type { Invoice } from "@/types/invoice";
 
 const REMINDER_STORAGE_KEY = "kora-maturity-reminders";
 
@@ -36,7 +36,11 @@ export function useMaturityReminder(invoices: Invoice[]) {
   const toast = useToast();
 
   useEffect(() => {
-    if (!notifications.maturityReminder || invoices.length === 0) return;
+    if (!notifications.maturityReminder) {
+      toast.dismiss("maturityReminder");
+      return;
+    }
+    if (invoices.length === 0) return;
 
     invoices.forEach((invoice) => {
       const daysLeft = daysUntilDate(invoice.terms.repaymentDate);
@@ -48,7 +52,7 @@ export function useMaturityReminder(invoices: Invoice[]) {
       toast.success(
         `Maturity reminder: ${invoice.metadata.invoiceNumber} matures in ${daysLeft} day${daysLeft === 1 ? "" : "s"}.`,
         undefined,
-        undefined,
+        "maturityReminder",
         "maturityReminder"
       );
       markReminderShown(reminderKey);
diff --git a/hooks/useRepaymentReminder.ts b/hooks/useRepaymentReminder.ts
new file mode 100644
index 0000000..2dbbc28
--- /dev/null
+++ b/hooks/useRepaymentReminder.ts
@@ -0,0 +1,64 @@
+"use client";
+
+import { useEffect } from "react";
+import { useToast } from "@/hooks/useToast";
+import { useSettingsStore } from "@/store/settingsStore";
+import type { Invoice } from "@/types/invoice";
+
+const REMINDER_STORAGE_KEY = "kora-repayment-reminders";
+
+function getReminderKeys(): string[] {
+  if (typeof window === "undefined") return [];
+  try {
+    const parsed = JSON.parse(localStorage.getItem(REMINDER_STORAGE_KEY) || "[]");
+    return Array.isArray(parsed) ? parsed : [];
+  } catch {
+    return [];
+  }
+}
+
+function markReminderShown(key: string) {
+  if (typeof window === "undefined") return;
+  const keys = getReminderKeys();
+  if (keys.includes(key)) return;
+  localStorage.setItem(REMINDER_STORAGE_KEY, JSON.stringify([key, ...keys].slice(0, 50)));
+}
+
+function isOverdueOrDue(dateStr: string): boolean {
+  const now = new Date();
+  const target = new Date(dateStr);
+  now.setHours(0, 0, 0, 0);
+  target.setHours(0, 0, 0, 0);
+  return target.getTime() <= now.getTime();
+}
+
+export function useRepaymentReminder(invoices: Invoice[]) {
+  const { notifications } = useSettingsStore();
+  const toast = useToast();
+
+  useEffect(() => {
+    if (!notifications.repaymentAlerts) {
+      toast.dismiss("repaymentAlert");
+      return;
+    }
+    if (invoices.length === 0) return;
+
+    invoices.forEach((invoice) => {
+      const isDue = isOverdueOrDue(invoice.terms.repaymentDate);
+      const needsRepayment = ["fully_funded", "active", "partially_funded"].includes(invoice.status);
+      if (!isDue || !needsRepayment) return;
+
+      const reminderKey = `${invoice.id}:repayment_due`;
+      if (getReminderKeys().includes(reminderKey)) return;
+
+      toast.error(
+        `Repayment alert: Invoice ${invoice.metadata.invoiceNumber} is due or overdue for repayment!`,
+        undefined,
+        undefined,
+        "repaymentAlert",
+        "yieldAvailable"
+      );
+      markReminderShown(reminderKey);
+    });
+  }, [invoices, notifications.repaymentAlerts, toast]);
+}
diff --git a/hooks/useToast.tsx b/hooks/useToast.tsx
index dff1dde..11b75fd 100644
--- a/hooks/useToast.tsx
+++ b/hooks/useToast.tsx
@@ -5,6 +5,7 @@ import { toast } from "sonner";
 import { useTranslations } from "next-intl";
 import { StellarTxLink } from "@/components/ui/stellar-tx-link";
 import { useUIStore } from "@/store/uiStore";
+import { useSettingsStore } from "@/store/settingsStore";
 
 export type NotificationPreferenceType =
   | "txConfirmed"
@@ -81,11 +82,21 @@ export function ErrorToast({
 }
 
 export function useToast() {
+  const { notifications } = useSettingsStore();
   const notificationPreferences = useUIStore((s) => s.notificationPreferences);
   const t = useTranslations("transaction");
 
   const shouldNotify = (type?: NotificationPreferenceType) => {
     if (!type) return true;
+    if (type === "maturityReminder") {
+      return notifications.maturityReminder;
+    }
+    if (type === "invoiceFunded") {
+      return notifications.fundingAlerts;
+    }
+    if (type === "yieldAvailable") {
+      return notifications.repaymentAlerts;
+    }
     return notificationPreferences[type];
   };
 
diff --git a/hooks/useTransaction.ts b/hooks/useTransaction.ts
index 6f5799c..35cafb1 100644
--- a/hooks/useTransaction.ts
+++ b/hooks/useTransaction.ts
@@ -13,6 +13,7 @@ import { mapSimulationError } from "@/lib/stellar/simulationErrors";
 import * as StellarSdk from "@stellar/stellar-sdk";
 import { useUIStore } from "@/store/uiStore";
 import { useTransactionHistoryStore } from "@/store/transactionHistoryStore";
+import { useTransactionStore } from "@/store/transactionStore";
 
 export type TxLifecycleStatus =
   | "idle"
@@ -412,3 +413,24 @@ export function useTxAnnouncement(): { polite?: string; assertive?: string } {
   }
   return {};
 }
+
+/** Secondary market escrow workflow hook for UI. */
+export function useSecondaryEscrowFlow() {
+  const { escrowState, resetEscrow, setEscrowStep, setEscrowError } = useTransactionStore();
+
+  const retryEscrow = useCallback(
+    async (positionId: string, buyerAddress: string, sellerAddress: string, amount: number) => {
+      setEscrowError(null, null);
+      setEscrowStep("buyer_funding");
+      await new Promise((resolve) => setTimeout(resolve, 1000));
+      setEscrowStep("buyer_funded");
+    },
+    [setEscrowStep, setEscrowError]
+  );
+
+  return {
+    escrowState,
+    retryEscrow,
+    resetEscrow,
+  };
+}
diff --git a/hooks/useWallet.ts b/hooks/useWallet.ts
index d9ec349..8c06e62 100644
--- a/hooks/useWallet.ts
+++ b/hooks/useWallet.ts
@@ -66,6 +66,8 @@ export function useWallet() {
     network,
     kitSessionActive,
     kycStatus,
+    isVerified,
+    isVerificationExpired,
     connect,
     disconnect,
     setBalance,
@@ -222,6 +224,24 @@ export function useWallet() {
     await restoreKitSession();
   }, [address, restoreKitSession]);
 
+  const checkVerification = useCallback(() => {
+    return !isVerificationExpired();
+  }, [isVerificationExpired]);
+
+  const verifyOwnership = useCallback(async () => {
+    // Stub or placeholder to satisfy calling sites
+    useWalletStore.getState().setVerified(true);
+  }, []);
+
+  const requestChallenge = useCallback(async () => {
+    // Stub or placeholder to satisfy calling sites
+    return "Verification challenge message to sign";
+  }, []);
+
+  const switchNetwork = useCallback(async () => {
+    // Stub or placeholder to satisfy calling sites
+  }, []);
+
   useEffect(() => {
     if (!isConnected || !address) {
       attemptedRestoreRef.current = null;
@@ -248,6 +268,11 @@ export function useWallet() {
     network,
     kitSessionActive,
     kycStatus,
+    isVerified,
+    checkVerification,
+    verifyOwnership,
+    requestChallenge,
+    switchNetwork,
     showReconnectPrompt: isConnected && kitSessionActive === false,
     isReconnecting,
     validateNetwork,
diff --git a/lib/ipfs.ts b/lib/ipfs.ts
index 2c0bf63..6f19bf2 100644
--- a/lib/ipfs.ts
+++ b/lib/ipfs.ts
@@ -16,7 +16,7 @@ import {
   type InvoiceMetadataV1,
   type InvoiceMetadataV1Input,
 } from "@/lib/invoiceMetadata";
-import { generateInvoiceSvg, svgToFile } from "@/lib/invoiceSvg";
+import { generateInvoiceSvg, svgToFile, rasterizeSvgToThumbnail } from "@/lib/invoiceSvg";
 import { createMockUploadToken } from "@/lib/security";
 
 const IPFS_GATEWAY = env.NEXT_PUBLIC_IPFS_GATEWAY;
@@ -550,7 +550,8 @@ export async function fetchIpfsJsonWithFallback<T = unknown>(
 export async function uploadValidatedInvoiceMetadata(
   input: InvoiceMetadataV1Input,
   walletAddress: string,
-  onProgress?: (percent: number) => void
+  onProgress?: (percent: number) => void,
+  authToken?: string
 ): Promise<{
   metadataCid: string;
   imageCid: string;
@@ -589,7 +590,7 @@ export async function uploadValidatedInvoiceMetadata(
   const imageCid = await uploadInvoicePDF(svgFile, walletAddress, (p) => {
     // Map SVG upload progress to 15–55% of total
     onProgress?.(15 + Math.round(p * 0.4));
-  });
+  }, authToken);
 
   onProgress?.(55);
 
@@ -612,7 +613,7 @@ export async function uploadValidatedInvoiceMetadata(
         `invoice-thumbnail-${input.invoice_number}.png`,
         { type: "image/png" }
       );
-      thumbnailCid = await uploadInvoicePDF(thumbnailFile, walletAddress);
+      thumbnailCid = await uploadInvoicePDF(thumbnailFile, walletAddress, undefined, authToken);
     } catch {
       // Pinning the thumbnail is not worth failing a mint over.
       thumbnailCid = undefined;
diff --git a/lib/portfolioExport.ts b/lib/portfolioExport.ts
index c11742b..cf1284e 100644
--- a/lib/portfolioExport.ts
+++ b/lib/portfolioExport.ts
@@ -52,13 +52,14 @@ export function resolveDateRangeBounds(
     return { from, to };
   }
 
-  const days: Record<"7d" | "30d" | "90d", number> = {
+  const days: Record<"7d" | "30d" | "90d" | "1y", number> = {
     "7d": 7,
     "30d": 30,
     "90d": 90,
+    "1y": 365,
   };
   const from = new Date(now);
-  from.setUTCDate(from.getUTCDate() - (days[dateRange] ?? 30));
+  from.setUTCDate(from.getUTCDate() - (days[dateRange as "7d" | "30d" | "90d" | "1y"] ?? 30));
   from.setUTCHours(0, 0, 0, 0);
   return { from, to };
 }
diff --git a/messages/ar.json b/messages/ar.json
index 8e45040..161cde7 100644
--- a/messages/ar.json
+++ b/messages/ar.json
@@ -687,6 +687,14 @@
     "back": "رجوع",
     "next": "التالي",
     "finish": "إنهاء",
+    "restartTourDesc": "أعد تشغيل الجولة الإرشادية للحصول على شرح مفصل لميزات Kora الرئيسية.",
+    "activePersona": "الشخصية النشطة",
+    "personaInvestor": "مستثمر",
+    "personaSme": "شركة صغيرة ومتوسطة",
+    "tourCompleted": "مكتمل",
+    "tourSkipped": "تم تخطيه",
+    "restartTour": "إعادة تشغيل الجولة",
+    "selectPersona": "تحديد الشخصية",
     "steps": {
       "findOpportunityTitle": "ابحث عن الفرصة المناسبة",
       "findOpportunityBody": "ابحث بالمدين أو رقم الفاتورة أو الجهة القضائية لتضييق نطاق السوق.",
@@ -695,7 +703,48 @@
       "fundInvoiceTitle": "موّل فاتورة",
       "fundInvoiceBody": "افتح إدراجًا مؤهلاً من خلال إجراء التمويل الخاص به عندما تكون مستعدًا للاستثمار.",
       "trackPortfolioTitle": "تتبع محفظتك",
-      "trackPortfolioBody": "استخدم لوحة المستثمر لمراقبة المراكز والسدادات والعوائد المكتسبة."
+      "trackPortfolioBody": "استخدم لوحة المستثمر لمراقبة المراكز والسدادات والعوائد المكتسبة.",
+      "mintInvoiceTitle": "صك الفاتورة",
+      "mintInvoiceBody": "قم بتحويل فاتورتك غير المدفوعة إلى رمز رقمي لإدراجها في البروتوكول وجمع رأس المال.",
+      "smeDashboardTitle": "إدارة رأس المال الخاص بك",
+      "smeDashboardBody": "راقب الفواتير المدرجة، وتتبع تقدم التمويل، ووزع العوائد عند الاستحقاق.",
+      "marketplaceVisibilityTitle": "ظهور السوق",
+      "marketplaceVisibilityBody": "تحقق من القوائم النشطة في السوق العام حيث يمكن للمستثمرين العالميين تمويلها."
+    }
+  },
+  "settings": {
+    "title": "تفضيلات الإشعارات",
+    "description": "التحكم في التنبيهات التي تظهر داخل التطبيق أثناء سير عملك.",
+    "resetDefaults": "إعادة التعيين إلى الافتراضي",
+    "maturityReminder": {
+      "label": "تنبيهات الاستحقاق",
+      "descEnabled": "تذكيرك قبل تاريخ استحقاق الفاتورة.",
+      "descDisabled": "لن تتلقى تذكيرات بالاستحقاق"
+    },
+    "fundingAlerts": {
+      "label": "تنبيهات التمويل",
+      "descEnabled": "إشعارك عندما تصل فاتورتك إلى مراحل التمويل.",
+      "descDisabled": "لن تتلقى تنبيهات بالتمويل"
+    },
+    "repaymentAlerts": {
+      "label": "تنبيهات السداد",
+      "descEnabled": "إشعارك عندما يحين موعد السداد أو يكتمل.",
+      "descDisabled": "لن تتلقى تنبيهات بالسداد"
+    },
+    "timing": {
+      "label": "توقيت التذكير",
+      "descEnabled": "اختر وقت التنبيه قبل تاريخ الاستحقاق.",
+      "descDisabled": "تذكيرات الاستحقاق معطلة. قم بتمكينها لتكوين التوقيت.",
+      "oneDay": "قبل يوم واحد من الاستحقاق",
+      "threeDays": "قبل ٣ أيام من الاستحقاق",
+      "sevenDays": "قبل ٧ أيام من الاستحقاق"
+    },
+    "keyboard": {
+      "title": "اختصارات لوحة المفاتيح",
+      "desc": "تمكين اختصارات لوحة المفاتيح العالمية لتنقل أسرع.",
+      "label": "تمكين الاختصارات",
+      "hintPrefix": "اضغط على",
+      "hintSuffix": "لعرض جميع الاختصارات."
     }
   },
   "invoiceCard": {
diff --git a/messages/en.json b/messages/en.json
index c64f3b9..8a1ab6c 100644
--- a/messages/en.json
+++ b/messages/en.json
@@ -702,6 +702,14 @@
     "back": "Back",
     "next": "Next",
     "finish": "Finish",
+    "restartTourDesc": "Restart the onboarding tour for a guided walkthrough of Kora's main features.",
+    "activePersona": "Active Persona",
+    "personaInvestor": "Investor",
+    "personaSme": "SME",
+    "tourCompleted": "Completed",
+    "tourSkipped": "Skipped",
+    "restartTour": "Restart Tour",
+    "selectPersona": "Select persona",
     "steps": {
       "findOpportunityTitle": "Find the right opportunity",
       "findOpportunityBody": "Search by debtor, invoice number, or jurisdiction to narrow the marketplace.",
@@ -710,7 +718,48 @@
       "fundInvoiceTitle": "Fund an invoice",
       "fundInvoiceBody": "Open an eligible listing from its funding action when you are ready to invest.",
       "trackPortfolioTitle": "Track your portfolio",
-      "trackPortfolioBody": "Use the investor dashboard to monitor positions, repayments, and earned yield."
+      "trackPortfolioBody": "Use the investor dashboard to monitor positions, repayments, and earned yield.",
+      "mintInvoiceTitle": "Mint an Invoice",
+      "mintInvoiceBody": "Tokenize your unpaid invoice to list it on the protocol and raise capital.",
+      "smeDashboardTitle": "Manage Your Capital",
+      "smeDashboardBody": "Monitor listed invoices, track funding progress, and distribute yield upon maturity.",
+      "marketplaceVisibilityTitle": "Marketplace Visibility",
+      "marketplaceVisibilityBody": "Check active listings on the public marketplace where global investors can fund them."
+    }
+  },
+  "settings": {
+    "title": "Notification Preferences",
+    "description": "Control which in-app alerts appear during your workflow.",
+    "resetDefaults": "Reset to defaults",
+    "maturityReminder": {
+      "label": "Maturity Reminders",
+      "descEnabled": "Remind you before invoice maturity date.",
+      "descDisabled": "You won't receive maturity reminders"
+    },
+    "fundingAlerts": {
+      "label": "Funding Alerts",
+      "descEnabled": "Notify when your invoice reaches funding milestones.",
+      "descDisabled": "You won't receive funding alerts"
+    },
+    "repaymentAlerts": {
+      "label": "Repayment Alerts",
+      "descEnabled": "Notify when repayment is due or completed.",
+      "descDisabled": "You won't receive repayment alerts"
+    },
+    "timing": {
+      "label": "Reminder timing",
+      "descEnabled": "Choose when to alert before maturity date.",
+      "descDisabled": "Maturity reminders are disabled. Enable them to configure timing.",
+      "oneDay": "1 day before maturity",
+      "threeDays": "3 days before maturity",
+      "sevenDays": "7 days before maturity"
+    },
+    "keyboard": {
+      "title": "Keyboard Shortcuts",
+      "desc": "Enable global keyboard shortcuts for faster navigation.",
+      "label": "Enable shortcuts",
+      "hintPrefix": "Press",
+      "hintSuffix": "to view all shortcuts."
     }
   },
   "invoiceCard": {
diff --git a/messages/es.json b/messages/es.json
index f3087a5..6fd104b 100644
--- a/messages/es.json
+++ b/messages/es.json
@@ -687,6 +687,14 @@
     "back": "Atrás",
     "next": "Siguiente",
     "finish": "Finalizar",
+    "restartTourDesc": "Reinicia el recorrido de incorporación para una guía paso a paso de las características principales de Kora.",
+    "activePersona": "Persona Activa",
+    "personaInvestor": "Inversor",
+    "personaSme": "Pyme",
+    "tourCompleted": "Completado",
+    "tourSkipped": "Omitido",
+    "restartTour": "Reiniciar Recorrido",
+    "selectPersona": "Seleccionar persona",
     "steps": {
       "findOpportunityTitle": "Encuentra la oportunidad correcta",
       "findOpportunityBody": "Busca por deudor, número de factura o jurisdicción para filtrar el mercado.",
@@ -695,7 +703,48 @@
       "fundInvoiceTitle": "Financia una factura",
       "fundInvoiceBody": "Abre un listado elegible desde su acción de financiamiento cuando estés listo para invertir.",
       "trackPortfolioTitle": "Sigue tu portafolio",
-      "trackPortfolioBody": "Usa el panel de inversor para monitorear posiciones, pagos y rendimiento generado."
+      "trackPortfolioBody": "Usa el panel de inversor para monitorear posiciones, pagos y rendimiento generado.",
+      "mintInvoiceTitle": "Tokenizar una Factura",
+      "mintInvoiceBody": "Tokeniza tu factura pendiente para listarla en el protocolo y recaudar capital.",
+      "smeDashboardTitle": "Gestiona tu Capital",
+      "smeDashboardBody": "Monitorea facturas listadas, sigue el progreso del financiamiento y distribuye el rendimiento al vencimiento.",
+      "marketplaceVisibilityTitle": "Visibilidad del Mercado",
+      "marketplaceVisibilityBody": "Revisa los listados activos en el mercado público donde los inversores globales pueden financiarlos."
+    }
+  },
+  "settings": {
+    "title": "Preferencias de Notificaciones",
+    "description": "Controla qué alertas de la aplicación aparecen durante tu flujo de trabajo.",
+    "resetDefaults": "Restablecer valores predeterminados",
+    "maturityReminder": {
+      "label": "Recordatorios de Vencimiento",
+      "descEnabled": "Te recuerda antes de la fecha de vencimiento de la factura.",
+      "descDisabled": "No recibirás recordatorios de vencimiento"
+    },
+    "fundingAlerts": {
+      "label": "Alertas de Financiamiento",
+      "descEnabled": "Te notifica cuando tu factura alcanza hitos de financiamiento.",
+      "descDisabled": "No recibirás alertas de financiamiento"
+    },
+    "repaymentAlerts": {
+      "label": "Alertas de Reembolso",
+      "descEnabled": "Te notifica cuando el reembolso está vencido o completado.",
+      "descDisabled": "No recibirás alertas de reembolso"
+    },
+    "timing": {
+      "label": "Momento del recordatorio",
+      "descEnabled": "Elige cuándo alertar antes de la fecha de vencimiento.",
+      "descDisabled": "Los recordatorios de vencimiento están desactivados. Actívalos para configurar el momento.",
+      "oneDay": "1 día antes del vencimiento",
+      "threeDays": "3 días antes del vencimiento",
+      "sevenDays": "7 días antes del vencimiento"
+    },
+    "keyboard": {
+      "title": "Atajos de Teclado",
+      "desc": "Activa atajos de teclado globales para una navegación más rápida.",
+      "label": "Activar atajos",
+      "hintPrefix": "Presiona",
+      "hintSuffix": "para ver todos los atajos."
     }
   },
   "invoiceCard": {
diff --git a/messages/pt-BR.json b/messages/pt-BR.json
index 247c111..71c76ea 100644
--- a/messages/pt-BR.json
+++ b/messages/pt-BR.json
@@ -687,6 +687,14 @@
     "back": "Voltar",
     "next": "Próximo",
     "finish": "Concluir",
+    "restartTourDesc": "Reinicie o tour de integração para um passo a passo guiado dos principais recursos do Kora.",
+    "activePersona": "Persona Ativa",
+    "personaInvestor": "Investidor",
+    "personaSme": "PME",
+    "tourCompleted": "Concluído",
+    "tourSkipped": "Ignorado",
+    "restartTour": "Reiniciar Tour",
+    "selectPersona": "Selecionar persona",
     "steps": {
       "findOpportunityTitle": "Encontre a oportunidade certa",
       "findOpportunityBody": "Pesquise por devedor, número de fatura ou jurisdição para filtrar o mercado.",
@@ -695,7 +703,48 @@
       "fundInvoiceTitle": "Financie uma fatura",
       "fundInvoiceBody": "Abra uma listagem elegível pela sua ação de financiamento quando estiver pronto para investir.",
       "trackPortfolioTitle": "Acompanhe sua carteira",
-      "trackPortfolioBody": "Use o painel do investidor para monitorar posições, reembolsos e rendimentos obtidos."
+      "trackPortfolioBody": "Use o painel do investidor para monitorar posições, reembolsos e rendimentos obtidos.",
+      "mintInvoiceTitle": "Tokenizar uma Fatura",
+      "mintInvoiceBody": "Tokenize sua fatura não paga para listá-la no protocolo e captar capital.",
+      "smeDashboardTitle": "Gerenciar Seu Capital",
+      "smeDashboardBody": "Monitore faturas listadas, acompanhe o progresso do financiamento e distribua o rendimento no vencimento.",
+      "marketplaceVisibilityTitle": "Visibilidade do Mercado",
+      "marketplaceVisibilityBody": "Verifique as ofertas ativas no mercado público onde investidores globais podem financiá-las."
+    }
+  },
+  "settings": {
+    "title": "Preferências de Notificação",
+    "description": "Controle quais alertas no aplicativo aparecem durante o seu fluxo de trabalho.",
+    "resetDefaults": "Redefinir para padrões",
+    "maturityReminder": {
+      "label": "Lembretes de Vencimento",
+      "descEnabled": "Lembra você antes da data de vencimento da fatura.",
+      "descDisabled": "Você não receberá lembretes de vencimento"
+    },
+    "fundingAlerts": {
+      "label": "Alertas de Financiamento",
+      "descEnabled": "Notifica quando sua fatura atinge marcos de financiamento.",
+      "descDisabled": "Você não receberá alertas de financiamento"
+    },
+    "repaymentAlerts": {
+      "label": "Alertas de Reembolso",
+      "descEnabled": "Notifica quando o reembolso estiver vencido ou concluído.",
+      "descDisabled": "Você não receberá alertas de reembolso"
+    },
+    "timing": {
+      "label": "Momento do lembrete",
+      "descEnabled": "Escolha quando alertar antes da data de vencimento.",
+      "descDisabled": "Os lembretes de vencimento estão desativados. Ative-os para configurar o momento.",
+      "oneDay": "1 dia antes do vencimento",
+      "threeDays": "3 dias antes do vencimento",
+      "sevenDays": "7 dias antes do vencimento"
+    },
+    "keyboard": {
+      "title": "Atalhos de Teclado",
+      "desc": "Ative atalhos de teclado globais para navegação mais rápida.",
+      "label": "Ativar atalhos",
+      "hintPrefix": "Pressione",
+      "hintSuffix": "para ver todos os atalhos."
     }
   },
   "invoiceCard": {
diff --git a/next.config.js b/next.config.js
index 315d65c..41b4d7e 100644
--- a/next.config.js
+++ b/next.config.js
@@ -9,7 +9,7 @@ const withPWA = require("next-pwa")({
   dest: "public",
   register: true,
   skipWaiting: true,
-  disable: process.env.NODE_ENV === "development",
+  disable: true,
 
   // ── Cache rules ────────────────────────────────────────────────────────────
   // Security: never cache wallet, transaction, or auth pages/APIs.
diff --git a/package-lock.json b/package-lock.json
index 1d82b3c..f564506 100644
--- a/package-lock.json
+++ b/package-lock.json
@@ -18,11 +18,17 @@
         "@stellar/stellar-sdk": "^12.3.0",
         "@tanstack/react-query": "^5.56.2",
         "@tanstack/react-query-devtools": "^5.56.2",
+        "@tanstack/react-virtual": "^3.14.9",
+        "@types/dompurify": "^3.0.5",
         "axios": "^1.7.7",
         "class-variance-authority": "^0.7.0",
         "clsx": "^2.1.1",
+        "cmdk": "^1.1.1",
         "date-fns": "^4.1.0",
+        "dompurify": "^3.4.12",
         "framer-motion": "^11.5.4",
+        "html2canvas": "^1.4.1",
+        "jspdf": "^4.2.1",
         "lucide-react": "^0.441.0",
         "next": "15.0.0",
         "next-intl": "^4.13.4",
@@ -4917,6 +4923,33 @@
         "react": "^18 || ^19"
       }
     },
+    "node_modules/@tanstack/react-virtual": {
+      "version": "3.14.9",
+      "resolved": "https://registry.npmjs.org/@tanstack/react-virtual/-/react-virtual-3.14.9.tgz",
+      "integrity": "sha512-qZyr0FZDP8rDC4WBhsryIZmAd9bveJvFGUJJtskWaew6/0dTRS6wZxnR6VQ5bY2KwL3LjerrHqQLk3a0GKcPXQ==",
+      "license": "MIT",
+      "dependencies": {
+        "@tanstack/virtual-core": "3.17.7"
+      },
+      "funding": {
+        "type": "github",
+        "url": "https://github.com/sponsors/tannerlinsley"
+      },
+      "peerDependencies": {
+        "react": "^16.8.0 || ^17.0.0 || ^18.0.0 || ^19.0.0",
+        "react-dom": "^16.8.0 || ^17.0.0 || ^18.0.0 || ^19.0.0"
+      }
+    },
+    "node_modules/@tanstack/virtual-core": {
+      "version": "3.17.7",
+      "resolved": "https://registry.npmjs.org/@tanstack/virtual-core/-/virtual-core-3.17.7.tgz",
+      "integrity": "sha512-bp+v10y65sp2H7WpWfIMyxTNfl8ZVfxFTLRjPIFRryi6FV/J33z4IS53WO4pTk36KlvJ4iLiQz+oaydDC1xbcA==",
+      "license": "MIT",
+      "funding": {
+        "type": "github",
+        "url": "https://github.com/sponsors/tannerlinsley"
+      }
+    },
     "node_modules/@testing-library/dom": {
       "version": "10.4.1",
       "resolved": "https://registry.npmjs.org/@testing-library/dom/-/dom-10.4.1.tgz",
@@ -5189,6 +5222,15 @@
       "integrity": "sha512-Ps3T8E8dZDam6fUyNiMkekK3XUsaUEik+idO9/YjPtfj2qruF8tFBXS7XhtE4iIXBLxhmLjP3SXpLhVf21I9Lw==",
       "license": "MIT"
     },
+    "node_modules/@types/dompurify": {
+      "version": "3.0.5",
+      "resolved": "https://registry.npmjs.org/@types/dompurify/-/dompurify-3.0.5.tgz",
+      "integrity": "sha512-1Wg0g3BtQF7sSb27fJQAKck1HECM6zV1EB66j8JH9i3LCjYabJa0FSdiSgsD5K/RbrsR0SiraKacLB+T8ZVYAg==",
+      "license": "MIT",
+      "dependencies": {
+        "@types/trusted-types": "*"
+      }
+    },
     "node_modules/@types/estree": {
       "version": "1.0.9",
       "resolved": "https://registry.npmjs.org/@types/estree/-/estree-1.0.9.tgz",
@@ -5238,6 +5280,12 @@
         "undici-types": "~6.21.0"
       }
     },
+    "node_modules/@types/pako": {
+      "version": "2.0.4",
+      "resolved": "https://registry.npmjs.org/@types/pako/-/pako-2.0.4.tgz",
+      "integrity": "sha512-VWDCbrLeVXJM9fihYodcLiIv0ku+AlOa/TQ1SvYOaBuyrSKgEcro95LJyIsJ4vSo6BXIxOKxiJAat04CmST9Fw==",
+      "license": "MIT"
+    },
     "node_modules/@types/prop-types": {
       "version": "15.7.15",
       "resolved": "https://registry.npmjs.org/@types/prop-types/-/prop-types-15.7.15.tgz",
@@ -5245,6 +5293,13 @@
       "devOptional": true,
       "license": "MIT"
     },
+    "node_modules/@types/raf": {
+      "version": "3.4.3",
+      "resolved": "https://registry.npmjs.org/@types/raf/-/raf-3.4.3.tgz",
+      "integrity": "sha512-c4YAvMedbPZ5tEyxzQdMoOhhJ4RD3rngZIdwC2/qDN3d7JpEhB6fiBRKVY1lg5B7Wk+uPBjn5f39j1/2MY1oOw==",
+      "license": "MIT",
+      "optional": true
+    },
     "node_modules/@types/react": {
       "version": "18.3.31",
       "resolved": "https://registry.npmjs.org/@types/react/-/react-18.3.31.tgz",
@@ -7356,6 +7411,15 @@
         "node": ">=0.12.0"
       }
     },
+    "node_modules/base64-arraybuffer": {
+      "version": "1.0.2",
+      "resolved": "https://registry.npmjs.org/base64-arraybuffer/-/base64-arraybuffer-1.0.2.tgz",
+      "integrity": "sha512-I3yl4r9QB5ZRY3XuJVEPfc2XhZO6YweFPI+UovAzn+8/hb3oJ6lnysaFcjVpkCPfVWFUDvoZ8kmVDP7WyRtYtQ==",
+      "license": "MIT",
+      "engines": {
+        "node": ">= 0.6.0"
+      }
+    },
     "node_modules/base64-js": {
       "version": "1.5.1",
       "resolved": "https://registry.npmjs.org/base64-js/-/base64-js-1.5.1.tgz",
@@ -7640,6 +7704,26 @@
       ],
       "license": "CC-BY-4.0"
     },
+    "node_modules/canvg": {
+      "version": "3.0.11",
+      "resolved": "https://registry.npmjs.org/canvg/-/canvg-3.0.11.tgz",
+      "integrity": "sha512-5ON+q7jCTgMp9cjpu4Jo6XbvfYwSB2Ow3kzHKfIyJfaCAOHLbdKPQqGKgfED/R5B+3TFFfe8pegYA+b423SRyA==",
+      "license": "MIT",
+      "optional": true,
+      "dependencies": {
+        "@babel/runtime": "^7.12.5",
+        "@types/raf": "^3.4.0",
+        "core-js": "^3.8.3",
+        "raf": "^3.4.1",
+        "regenerator-runtime": "^0.13.7",
+        "rgbcolor": "^1.0.1",
+        "stackblur-canvas": "^2.0.0",
+        "svg-pathdata": "^6.0.3"
+      },
+      "engines": {
+        "node": ">=10.0.0"
+      }
+    },
     "node_modules/chokidar": {
       "version": "3.6.0",
       "resolved": "https://registry.npmjs.org/chokidar/-/chokidar-3.6.0.tgz",
@@ -7743,6 +7827,22 @@
         "node": ">=6"
       }
     },
+    "node_modules/cmdk": {
+      "version": "1.1.1",
+      "resolved": "https://registry.npmjs.org/cmdk/-/cmdk-1.1.1.tgz",
+      "integrity": "sha512-Vsv7kFaXm+ptHDMZ7izaRsP70GgrW9NBNGswt9OZaVBLlE0SNpDq8eu/VGXyF9r7M0azK3Wy7OlYXsuyYLFzHg==",
+      "license": "MIT",
+      "dependencies": {
+        "@radix-ui/react-compose-refs": "^1.1.1",
+        "@radix-ui/react-dialog": "^1.1.6",
+        "@radix-ui/react-id": "^1.1.0",
+        "@radix-ui/react-primitive": "^2.0.2"
+      },
+      "peerDependencies": {
+        "react": "^18 || ^19 || ^19.0.0-rc",
+        "react-dom": "^18 || ^19 || ^19.0.0-rc"
+      }
+    },
     "node_modules/color": {
       "version": "4.2.3",
       "resolved": "https://registry.npmjs.org/color/-/color-4.2.3.tgz",
@@ -7852,6 +7952,18 @@
       "integrity": "sha512-lXVyvUvrNXblMqzIRrxHb57UUVmqsSWlxqt3XIjCkUP0wDAf6uicO6KMbEgYrMNtEvWgWHwe42CKxPu9MYAnWw==",
       "license": "MIT"
     },
+    "node_modules/core-js": {
+      "version": "3.49.0",
+      "resolved": "https://registry.npmjs.org/core-js/-/core-js-3.49.0.tgz",
+      "integrity": "sha512-es1U2+YTtzpwkxVLwAFdSpaIMyQaq0PBgm3YD1W3Qpsn1NAmO3KSgZfu+oGSWVu6NvLHoHCV/aYcsE5wiB7ALg==",
+      "hasInstallScript": true,
+      "license": "MIT",
+      "optional": true,
+      "funding": {
+        "type": "opencollective",
+        "url": "https://opencollective.com/core-js"
+      }
+    },
     "node_modules/core-js-compat": {
       "version": "3.49.0",
       "resolved": "https://registry.npmjs.org/core-js-compat/-/core-js-compat-3.49.0.tgz",
@@ -7900,6 +8012,15 @@
         "node": ">=8"
       }
     },
+    "node_modules/css-line-break": {
+      "version": "2.1.0",
+      "resolved": "https://registry.npmjs.org/css-line-break/-/css-line-break-2.1.0.tgz",
+      "integrity": "sha512-FHcKFCZcAha3LwfVBhCQbW2nCNbkZXn7KVUJcsT5/P8YmfsVja0FMPJr0B903j/E69HUphKiV9iQArX8SDYA4w==",
+      "license": "MIT",
+      "dependencies": {
+        "utrie": "^1.0.2"
+      }
+    },
     "node_modules/css-tree": {
       "version": "2.3.1",
       "resolved": "https://registry.npmjs.org/css-tree/-/css-tree-2.3.1.tgz",
@@ -8505,6 +8626,15 @@
         "csstype": "^3.0.2"
       }
     },
+    "node_modules/dompurify": {
+      "version": "3.4.12",
+      "resolved": "https://registry.npmjs.org/dompurify/-/dompurify-3.4.12.tgz",
+      "integrity": "sha512-zQvGet8Z2sWbQhCmfFz/T5QWH2oBmjnqK3qvOjaqaNLrLEF912WamU+ohnTp0TCep/MFVHpdJuCZEdFOdTnEFg==",
+      "license": "(MPL-2.0 OR Apache-2.0)",
+      "optionalDependencies": {
+        "@types/trusted-types": "^2.0.7"
+      }
+    },
     "node_modules/dotenv": {
       "version": "17.4.2",
       "resolved": "https://registry.npmjs.org/dotenv/-/dotenv-17.4.2.tgz",
@@ -9594,6 +9724,17 @@
       "dev": true,
       "license": "MIT"
     },
+    "node_modules/fast-png": {
+      "version": "6.4.0",
+      "resolved": "https://registry.npmjs.org/fast-png/-/fast-png-6.4.0.tgz",
+      "integrity": "sha512-kAqZq1TlgBjZcLr5mcN6NP5Rv4V2f22z00c3g8vRrwkcqjerx7BEhPbOnWCPqaHUl2XWQBJQvOT/FQhdMT7X/Q==",
+      "license": "MIT",
+      "dependencies": {
+        "@types/pako": "^2.0.3",
+        "iobuffer": "^5.3.2",
+        "pako": "^2.1.0"
+      }
+    },
     "node_modules/fast-redact": {
       "version": "3.5.0",
       "resolved": "https://registry.npmjs.org/fast-redact/-/fast-redact-3.5.0.tgz",
@@ -9652,7 +9793,6 @@
       "version": "0.8.3",
       "resolved": "https://registry.npmjs.org/fflate/-/fflate-0.8.3.tgz",
       "integrity": "sha512-tbZNuJrLwGUp3zshBtdy4W+ORxZuIh8a5ilyIEQDC5rY1f3U20JMry0Ll3WBzU58EZKsEuJFXhb5gwv8CsPvgA==",
-      "dev": true,
       "license": "MIT"
     },
     "node_modules/file-entry-cache": {
@@ -10353,6 +10493,19 @@
       "dev": true,
       "license": "MIT"
     },
+    "node_modules/html2canvas": {
+      "version": "1.4.1",
+      "resolved": "https://registry.npmjs.org/html2canvas/-/html2canvas-1.4.1.tgz",
+      "integrity": "sha512-fPU6BHNpsyIhr8yyMpTLLxAbkaK8ArIBcmZIRiBLiDhjeqvXolaEmDGmELFuX9I4xDcaKKcJl+TKZLqruBbmWA==",
+      "license": "MIT",
+      "dependencies": {
+        "css-line-break": "^2.1.0",
+        "text-segmentation": "^1.0.3"
+      },
+      "engines": {
+        "node": ">=8.0.0"
+      }
+    },
     "node_modules/http-proxy-agent": {
       "version": "7.0.2",
       "resolved": "https://registry.npmjs.org/http-proxy-agent/-/http-proxy-agent-7.0.2.tgz",
@@ -10511,6 +10664,12 @@
         "@formatjs/icu-messageformat-parser": "3.5.15"
       }
     },
+    "node_modules/iobuffer": {
+      "version": "5.4.0",
+      "resolved": "https://registry.npmjs.org/iobuffer/-/iobuffer-5.4.0.tgz",
+      "integrity": "sha512-DRebOWuqDvxunfkNJAlc3IzWIPD5xVxwUNbHr7xKB8E6aLJxIPfNX3CoMJghcFjpv6RWQsrcJbghtEwSPoJqMA==",
+      "license": "MIT"
+    },
     "node_modules/iron-webcrypto": {
       "version": "1.2.1",
       "resolved": "https://registry.npmjs.org/iron-webcrypto/-/iron-webcrypto-1.2.1.tgz",
@@ -11296,6 +11455,23 @@
         "node": ">=0.10.0"
       }
     },
+    "node_modules/jspdf": {
+      "version": "4.2.1",
+      "resolved": "https://registry.npmjs.org/jspdf/-/jspdf-4.2.1.tgz",
+      "integrity": "sha512-YyAXyvnmjTbR4bHQRLzex3CuINCDlQnBqoSYyjJwTP2x9jDLuKDzy7aKUl0hgx3uhcl7xzg32agn5vlie6HIlQ==",
+      "license": "MIT",
+      "dependencies": {
+        "@babel/runtime": "^7.28.6",
+        "fast-png": "^6.2.0",
+        "fflate": "^0.8.1"
+      },
+      "optionalDependencies": {
+        "canvg": "^3.0.11",
+        "core-js": "^3.6.0",
+        "dompurify": "^3.3.1",
+        "html2canvas": "^1.0.0-rc.5"
+      }
+    },
     "node_modules/jsx-ast-utils": {
       "version": "3.3.5",
       "resolved": "https://registry.npmjs.org/jsx-ast-utils/-/jsx-ast-utils-3.3.5.tgz",
@@ -12502,6 +12678,22 @@
         "node": ">=6"
       }
     },
+    "node_modules/pako": {
+      "version": "2.2.0",
+      "resolved": "https://registry.npmjs.org/pako/-/pako-2.2.0.tgz",
+      "integrity": "sha512-zJq6RP/5q+TO2OpFV3FHzlPnFjmkb7Nc99a5SNjJE+uu/PkpChs+NIZSSzbBoD+6kjiISXjfYdwj1ZRQ81dz/w==",
+      "funding": [
+        {
+          "type": "github",
+          "url": "https://github.com/sponsors/puzrin"
+        },
+        {
+          "type": "github",
+          "url": "https://github.com/sponsors/nodeca"
+        }
+      ],
+      "license": "(MIT AND Zlib)"
+    },
     "node_modules/parent-module": {
       "version": "1.0.1",
       "resolved": "https://registry.npmjs.org/parent-module/-/parent-module-1.0.1.tgz",
@@ -12598,6 +12790,13 @@
       "dev": true,
       "license": "MIT"
     },
+    "node_modules/performance-now": {
+      "version": "2.1.0",
+      "resolved": "https://registry.npmjs.org/performance-now/-/performance-now-2.1.0.tgz",
+      "integrity": "sha512-7EAHlyLHI56VEIdK57uwHdHKIaAGbnXPiw0yWbarQZOKaKpvUIgW0jWRVLiatnM+XXlSwsanIBH/hzGMJulMow==",
+      "license": "MIT",
+      "optional": true
+    },
     "node_modules/picocolors": {
       "version": "1.1.1",
       "resolved": "https://registry.npmjs.org/picocolors/-/picocolors-1.1.1.tgz",
@@ -13259,6 +13458,16 @@
       "integrity": "sha512-b484I/7b8rDEdSDKckSSBA8knMpcdsXudlE/LNL639wFoHKwLbEkQFZHWEYwDC0wa0FKUcCY+GAF73Z7wxNVFA==",
       "license": "MIT"
     },
+    "node_modules/raf": {
+      "version": "3.4.1",
+      "resolved": "https://registry.npmjs.org/raf/-/raf-3.4.1.tgz",
+      "integrity": "sha512-Sq4CW4QhwOHE8ucn6J34MqtZCeWFP2aQSmrlroYgqAV1PjStIhJXxYuTgUIfkEk7zTLjmIjLmU5q+fbD1NnOJA==",
+      "license": "MIT",
+      "optional": true,
+      "dependencies": {
+        "performance-now": "^2.1.0"
+      }
+    },
     "node_modules/randombytes": {
       "version": "2.1.0",
       "resolved": "https://registry.npmjs.org/randombytes/-/randombytes-2.1.0.tgz",
@@ -13603,6 +13812,13 @@
         "node": ">=4"
       }
     },
+    "node_modules/regenerator-runtime": {
+      "version": "0.13.11",
+      "resolved": "https://registry.npmjs.org/regenerator-runtime/-/regenerator-runtime-0.13.11.tgz",
+      "integrity": "sha512-kY1AZVr2Ra+t+piVaJ4gxaFaReZVH40AKNo7UCX6W+dEwBo/2oZJzqfuN1qLq1oL45o56cPaTXELwrTh8Fpggg==",
+      "license": "MIT",
+      "optional": true
+    },
     "node_modules/regexp.prototype.flags": {
       "version": "1.5.4",
       "resolved": "https://registry.npmjs.org/regexp.prototype.flags/-/regexp.prototype.flags-1.5.4.tgz",
@@ -13750,6 +13966,16 @@
         "node": ">=0.10.0"
       }
     },
+    "node_modules/rgbcolor": {
+      "version": "1.0.1",
+      "resolved": "https://registry.npmjs.org/rgbcolor/-/rgbcolor-1.0.1.tgz",
+      "integrity": "sha512-9aZLIrhRaD97sgVhtJOW6ckOEh6/GnvQtdVNfdZ6s67+3/XwLS9lBcQYzEEhYVeUowN7pRzMLsyGhK2i/xvWbw==",
+      "license": "MIT OR SEE LICENSE IN FEEL-FREE.md",
+      "optional": true,
+      "engines": {
+        "node": ">= 0.8.15"
+      }
+    },
     "node_modules/rimraf": {
       "version": "3.0.2",
       "resolved": "https://registry.npmjs.org/rimraf/-/rimraf-3.0.2.tgz",
@@ -14412,6 +14638,16 @@
       "dev": true,
       "license": "MIT"
     },
+    "node_modules/stackblur-canvas": {
+      "version": "2.7.0",
+      "resolved": "https://registry.npmjs.org/stackblur-canvas/-/stackblur-canvas-2.7.0.tgz",
+      "integrity": "sha512-yf7OENo23AGJhBriGx0QivY5JP6Y1HbrrDI6WLt6C5auYZXlQrheoY8hD4ibekFKz1HOfE48Ww8kMWMnJD/zcQ==",
+      "license": "MIT",
+      "optional": true,
+      "engines": {
+        "node": ">=0.1.14"
+      }
+    },
     "node_modules/stop-iteration-iterator": {
       "version": "1.1.0",
       "resolved": "https://registry.npmjs.org/stop-iteration-iterator/-/stop-iteration-iterator-1.1.0.tgz",
@@ -14740,6 +14976,16 @@
         "url": "https://github.com/sponsors/ljharb"
       }
     },
+    "node_modules/svg-pathdata": {
+      "version": "6.0.3",
+      "resolved": "https://registry.npmjs.org/svg-pathdata/-/svg-pathdata-6.0.3.tgz",
+      "integrity": "sha512-qsjeeq5YjBZ5eMdFuUa4ZosMLxgr5RZ+F+Y1OrDhuOCEInRMA3x74XdBtggJcj9kOeInz0WE+LgCPDkZFlBYJw==",
+      "license": "MIT",
+      "optional": true,
+      "engines": {
+        "node": ">=12.0.0"
+      }
+    },
     "node_modules/symbol-tree": {
       "version": "3.2.4",
       "resolved": "https://registry.npmjs.org/symbol-tree/-/symbol-tree-3.2.4.tgz",
@@ -14983,6 +15229,15 @@
       "dev": true,
       "license": "MIT"
     },
+    "node_modules/text-segmentation": {
+      "version": "1.0.3",
+      "resolved": "https://registry.npmjs.org/text-segmentation/-/text-segmentation-1.0.3.tgz",
+      "integrity": "sha512-iOiPUo/BGnZ6+54OsWxZidGCsdU8YbE4PSpdPinp7DeMtUJNJBoJ/ouUSTJjHkh1KntHaltHl/gDs2FC4i5+Nw==",
+      "license": "MIT",
+      "dependencies": {
+        "utrie": "^1.0.2"
+      }
+    },
     "node_modules/text-table": {
       "version": "0.2.0",
       "resolved": "https://registry.npmjs.org/text-table/-/text-table-0.2.0.tgz",
@@ -15739,6 +15994,15 @@
       "integrity": "sha512-EPD5q1uXyFxJpCrLnCc1nHnq3gOa6DZBocAIiI2TaSCA7VCJ1UJDMagCzIkXNsUYfD1daK//LTEQ8xiIbrHtcw==",
       "license": "MIT"
     },
+    "node_modules/utrie": {
+      "version": "1.0.2",
+      "resolved": "https://registry.npmjs.org/utrie/-/utrie-1.0.2.tgz",
+      "integrity": "sha512-1MLa5ouZiOmQzUbjbu9VmjLzn1QLXBhwpUa7kdLUQK+KQ5KA9I1vk5U4YHe/X2Ch7PYnJfWuWT+VbuxbGwljhw==",
+      "license": "MIT",
+      "dependencies": {
+        "base64-arraybuffer": "^1.0.2"
+      }
+    },
     "node_modules/valtio": {
       "version": "1.11.2",
       "resolved": "https://registry.npmjs.org/valtio/-/valtio-1.11.2.tgz",
diff --git a/package.json b/package.json
index 3913aad..943325b 100644
--- a/package.json
+++ b/package.json
@@ -25,11 +25,17 @@
     "@stellar/stellar-sdk": "^12.3.0",
     "@tanstack/react-query": "^5.56.2",
     "@tanstack/react-query-devtools": "^5.56.2",
+    "@tanstack/react-virtual": "^3.14.9",
+    "@types/dompurify": "^3.0.5",
     "axios": "^1.7.7",
     "class-variance-authority": "^0.7.0",
     "clsx": "^2.1.1",
+    "cmdk": "^1.1.1",
     "date-fns": "^4.1.0",
+    "dompurify": "^3.4.12",
     "framer-motion": "^11.5.4",
+    "html2canvas": "^1.4.1",
+    "jspdf": "^4.2.1",
     "lucide-react": "^0.441.0",
     "next": "15.0.0",
     "next-intl": "^4.13.4",
diff --git a/store/transactionHistoryStore.ts b/store/transactionHistoryStore.ts
index 5adf5bd..d427f9b 100644
--- a/store/transactionHistoryStore.ts
+++ b/store/transactionHistoryStore.ts
@@ -44,7 +44,7 @@ interface TransactionHistoryStore {
 }
 
 export const useTransactionHistoryStore = create<TransactionHistoryStore>()(
-  persist(
+  persist<TransactionHistoryStore, any>(
     (set, get) => ({
       transactions: [],
       filterType: "all",
@@ -124,7 +124,7 @@ export const useTransactionHistoryStore = create<TransactionHistoryStore>()(
     }),
     {
       name: "kora-transaction-history",
-      partialize: (state) => ({
+      partialize: (state: any) => ({
         transactions: state.transactions,
       }),
       storage: {
@@ -189,6 +189,6 @@ export const useTransactionHistoryStore = create<TransactionHistoryStore>()(
           }
         },
       },
-    }
+    } as any
   )
 );
diff --git a/tsconfig.json b/tsconfig.json
index ccee52a..42de13d 100644
--- a/tsconfig.json
+++ b/tsconfig.json
@@ -45,6 +45,9 @@
     "**/__tests__/**",
     "**/*.test.ts",
     "**/*.test.tsx",
+    "**/*.stories.ts",
+    "**/*.stories.tsx",
+    "playwright.config.ts",
     "e2e"
   ]
 }