Add rate limiting feedback and retry UI on failed transactions

[Kingsman-99]

Overview

When a Freighter transaction fails due to RPC rate limits or network errors, the app currently shows no feedback. Add retry logic and clear error messaging.

Acceptance Criteria

• useTransactionWithRetry(fn, options) hook wraps SDK mutation calls
• On failure: shows a toast with the error message and a "Retry" button
• On RPC rate limit (error code 429): auto-retries after 3s with countdown shown
• Max 3 auto-retries; after that, shows "Please try again later" with a manual retry button
• User can cancel a retry at any time
• All mutations (pay, create, release, refund) wrapped in this hook

[quickweb-stack]

@quickweb-stack has applied to work on this issue as part of the Stellar Wave Program's 6th wave.

I can take this on. I've gone through the details and will provide a well-tested solution aligned with the project standards.

ℹ️ Repo Maintainers: To accept this application, review their application or assign @quickweb-stack to this issue.

[maugauwi-hash]

@maugauwi-hash has applied to work on this issue as part of the Stellar Wave Program's 6th wave.

would love to fix this issue, kindly assign m

ℹ️ Repo Maintainers: To accept this application, review their application or assign @maugauwi-hash to this issue.

[drips-wave]

Congratulations, @maugauwi-hash! 🎉 Your application was accepted by the repo's maintainers, and the issue is due on June 30, 2026.

🧑‍💻 @maugauwi-hash: Please resolve the issue such that the repo's maintainers have enough time to review your contribution before the due date. You'll earn Points for completing the issue on-time, which will make you eligible for a share of the Stellar Wave Program's reward pool.

Warning

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[grantfox-oss]

🦊 GrantFox — @maugauwi-hash has been assigned to this issue as part of the Official Campaign campaign!

Next steps:

1. Open a Pull Request referencing this issue (e.g., Closes #309)
2. Your PR will be reviewed by the Stellar-split maintainers

Good luck! Track your progress on GrantFox.

[grantfox-oss]

🎉 This issue has been marked as completed on GrantFox as part of the Official Campaign campaign!

@maugauwi-hash's PR #358 was approved and merged by @Kingsman-99.

🏆 @maugauwi-hash: You earned 35 FoxPoints for this contribution! Your current tier: Explorer (191 total points). Track your full progress on GrantFox.

👏 Great work, @maugauwi-hash! Keep contributing to Stellar-split.

[drips-wave]

This issue has been completed by @maugauwi-hash as part of the Stellar Wave Program's 6th Wave 🥳

😎 @maugauwi-hash: You earned 200 Points for completing this issue! After the current Wave ends, you'll be eligible for a percentage of the Wave's reward pool based on the percentage of total points you've earned. Learn more here. You can also Leave a review to share your experience working on this issue.

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