diff --git a/api/paidAction/README.md b/api/paidAction/README.md
index a2f9c6904..a32588076 100644
--- a/api/paidAction/README.md
+++ b/api/paidAction/README.md
@@ -194,6 +194,12 @@ All functions have the following signature: `function(args: Object, context: Obj
 - `models`: the current prisma client (for anything that doesn't need to be done atomically with the payment)
 - `lnd`: the current lnd client
 
+## Recording Cowboy Credits
+
+To avoid adding sats and credits together everywhere to show an aggregate sat value, in most cases we denormalize a `sats` field that carries the "sats value", the combined sats + credits of something, and a `credits` field that carries only the earned `credits`. For example, the `Item` table has an `msats` field that carries the sum of the `mcredits` and `msats` earned and a `mcredits` field that carries the value of the `mcredits` earned. So, the sats value an item earned is `item.msats` BUT the real sats earned is `item.msats - item.mcredits`.
+
+The ONLY exception to this are for the `users` table where we store a stacker's rewards sats and credits balances separately.
+
 ## `IMPORTANT: transaction isolation`
 
 We use a `read committed` isolation level for actions. This means paid actions need to be mindful of concurrency issues. Specifically, reading data from the database and then writing it back in `read committed` is a common source of consistency bugs (aka serialization anamolies).
diff --git a/api/paidAction/boost.js b/api/paidAction/boost.js
index 1721a22cb..2030f8100 100644
--- a/api/paidAction/boost.js
+++ b/api/paidAction/boost.js
@@ -5,6 +5,7 @@ export const anonable = false
 
 export const paymentMethods = [
   PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT,
+  PAID_ACTION_PAYMENT_METHODS.REWARD_SATS,
   PAID_ACTION_PAYMENT_METHODS.OPTIMISTIC
 ]
 
diff --git a/api/paidAction/buyCredits.js b/api/paidAction/buyCredits.js
new file mode 100644
index 000000000..b0851817c
--- /dev/null
+++ b/api/paidAction/buyCredits.js
@@ -0,0 +1,32 @@
+import { PAID_ACTION_PAYMENT_METHODS } from '@/lib/constants'
+import { satsToMsats } from '@/lib/format'
+
+export const anonable = false
+
+export const paymentMethods = [
+  PAID_ACTION_PAYMENT_METHODS.REWARD_SATS,
+  PAID_ACTION_PAYMENT_METHODS.PESSIMISTIC
+]
+
+export async function getCost ({ credits }) {
+  return satsToMsats(credits)
+}
+
+export async function perform ({ credits }, { me, cost, tx }) {
+  await tx.user.update({
+    where: { id: me.id },
+    data: {
+      mcredits: {
+        increment: cost
+      }
+    }
+  })
+
+  return {
+    credits
+  }
+}
+
+export async function describe () {
+  return 'SN: buy fee credits'
+}
diff --git a/api/paidAction/donate.js b/api/paidAction/donate.js
index e8bcfbbb5..20f4e7e63 100644
--- a/api/paidAction/donate.js
+++ b/api/paidAction/donate.js
@@ -5,6 +5,7 @@ export const anonable = true
 
 export const paymentMethods = [
   PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT,
+  PAID_ACTION_PAYMENT_METHODS.REWARD_SATS,
   PAID_ACTION_PAYMENT_METHODS.PESSIMISTIC
 ]
 
diff --git a/api/paidAction/downZap.js b/api/paidAction/downZap.js
index 4266fbfa6..f10bc17c8 100644
--- a/api/paidAction/downZap.js
+++ b/api/paidAction/downZap.js
@@ -5,6 +5,7 @@ export const anonable = false
 
 export const paymentMethods = [
   PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT,
+  PAID_ACTION_PAYMENT_METHODS.REWARD_SATS,
   PAID_ACTION_PAYMENT_METHODS.OPTIMISTIC
 ]
 
diff --git a/api/paidAction/index.js b/api/paidAction/index.js
index caed362a3..ad067a3ca 100644
--- a/api/paidAction/index.js
+++ b/api/paidAction/index.js
@@ -18,6 +18,7 @@ import * as TERRITORY_UNARCHIVE from './territoryUnarchive'
 import * as DONATE from './donate'
 import * as BOOST from './boost'
 import * as RECEIVE from './receive'
+import * as BUY_CREDITS from './buyCredits'
 import * as INVITE_GIFT from './inviteGift'
 
 export const paidActions = {
@@ -33,6 +34,7 @@ export const paidActions = {
   TERRITORY_UNARCHIVE,
   DONATE,
   RECEIVE,
+  BUY_CREDITS,
   INVITE_GIFT
 }
 
@@ -96,7 +98,8 @@ export default async function performPaidAction (actionType, args, incomingConte
 
       // additional payment methods that logged in users can use
       if (me) {
-        if (paymentMethod === PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT) {
+        if (paymentMethod === PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT ||
+          paymentMethod === PAID_ACTION_PAYMENT_METHODS.REWARD_SATS) {
           try {
             return await performNoInvoiceAction(actionType, args, contextWithPaymentMethod)
           } catch (e) {
@@ -141,6 +144,13 @@ async function performNoInvoiceAction (actionType, args, incomingContext) {
     const context = { ...incomingContext, tx }
 
     if (paymentMethod === 'FEE_CREDIT') {
+      await tx.user.update({
+        where: {
+          id: me?.id ?? USER_ID.anon
+        },
+        data: { mcredits: { decrement: cost } }
+      })
+    } else if (paymentMethod === PAID_ACTION_PAYMENT_METHODS.REWARD_SATS) {
       await tx.user.update({
         where: {
           id: me?.id ?? USER_ID.anon
diff --git a/api/paidAction/inviteGift.js b/api/paidAction/inviteGift.js
index c96f5c92d..2c24ac401 100644
--- a/api/paidAction/inviteGift.js
+++ b/api/paidAction/inviteGift.js
@@ -5,7 +5,8 @@ import { notifyInvite } from '@/lib/webPush'
 export const anonable = false
 
 export const paymentMethods = [
-  PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT
+  PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT,
+  PAID_ACTION_PAYMENT_METHODS.REWARD_SATS
 ]
 
 export async function getCost ({ id }, { models, me }) {
@@ -36,7 +37,7 @@ export async function perform ({ id, userId }, { me, cost, tx }) {
       }
     },
     data: {
-      msats: {
+      mcredits: {
         increment: cost
       },
       inviteId: id,
diff --git a/api/paidAction/itemCreate.js b/api/paidAction/itemCreate.js
index 7bc0518e2..7ed723a8d 100644
--- a/api/paidAction/itemCreate.js
+++ b/api/paidAction/itemCreate.js
@@ -8,6 +8,7 @@ export const anonable = true
 
 export const paymentMethods = [
   PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT,
+  PAID_ACTION_PAYMENT_METHODS.REWARD_SATS,
   PAID_ACTION_PAYMENT_METHODS.OPTIMISTIC,
   PAID_ACTION_PAYMENT_METHODS.PESSIMISTIC
 ]
@@ -29,7 +30,7 @@ export async function getCost ({ subName, parentId, uploadIds, boost = 0, bio },
   // sub allows freebies (or is a bio or a comment), cost is less than baseCost, not anon,
   // cost must be greater than user's balance, and user has not disabled freebies
   const freebie = (parentId || bio) && cost <= baseCost && !!me &&
-    cost > me?.msats && !me?.disableFreebies
+    me?.msats < cost && !me?.disableFreebies && me?.mcredits < cost
 
   return freebie ? BigInt(0) : BigInt(cost)
 }
diff --git a/api/paidAction/itemUpdate.js b/api/paidAction/itemUpdate.js
index dc80aefc5..3aad8e448 100644
--- a/api/paidAction/itemUpdate.js
+++ b/api/paidAction/itemUpdate.js
@@ -8,6 +8,7 @@ export const anonable = true
 
 export const paymentMethods = [
   PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT,
+  PAID_ACTION_PAYMENT_METHODS.REWARD_SATS,
   PAID_ACTION_PAYMENT_METHODS.PESSIMISTIC
 ]
 
diff --git a/api/paidAction/lib/assert.js b/api/paidAction/lib/assert.js
index 8fcc95bac..a4d599c52 100644
--- a/api/paidAction/lib/assert.js
+++ b/api/paidAction/lib/assert.js
@@ -1,11 +1,9 @@
-import { BALANCE_LIMIT_MSATS, PAID_ACTION_TERMINAL_STATES, USER_ID, SN_ADMIN_IDS } from '@/lib/constants'
-import { msatsToSats, numWithUnits } from '@/lib/format'
+import { PAID_ACTION_TERMINAL_STATES, USER_ID } from '@/lib/constants'
 import { datePivot } from '@/lib/time'
 
 const MAX_PENDING_PAID_ACTIONS_PER_USER = 100
 const MAX_PENDING_DIRECT_INVOICES_PER_USER_MINUTES = 10
 const MAX_PENDING_DIRECT_INVOICES_PER_USER = 100
-const USER_IDS_BALANCE_NO_LIMIT = [...SN_ADMIN_IDS, USER_ID.anon, USER_ID.ad]
 
 export async function assertBelowMaxPendingInvoices (context) {
   const { models, me } = context
@@ -56,47 +54,3 @@ export async function assertBelowMaxPendingDirectPayments (userId, context) {
     throw new Error('Receiver has too many direct payments')
   }
 }
-
-export async function assertBelowBalanceLimit (context) {
-  const { me, tx } = context
-  if (!me || USER_IDS_BALANCE_NO_LIMIT.includes(me.id)) return
-
-  // we need to prevent this invoice (and any other pending invoices and withdrawls)
-  // from causing the user's balance to exceed the balance limit
-  const pendingInvoices = await tx.invoice.aggregate({
-    where: {
-      userId: me.id,
-      // p2p invoices are never in state PENDING
-      actionState: 'PENDING',
-      actionType: 'RECEIVE'
-    },
-    _sum: {
-      msatsRequested: true
-    }
-  })
-
-  // Get pending withdrawals total
-  const pendingWithdrawals = await tx.withdrawl.aggregate({
-    where: {
-      userId: me.id,
-      status: null
-    },
-    _sum: {
-      msatsPaying: true,
-      msatsFeePaying: true
-    }
-  })
-
-  // Calculate total pending amount
-  const pendingMsats = (pendingInvoices._sum.msatsRequested ?? 0n) +
-    ((pendingWithdrawals._sum.msatsPaying ?? 0n) + (pendingWithdrawals._sum.msatsFeePaying ?? 0n))
-
-  // Check balance limit
-  if (pendingMsats + me.msats > BALANCE_LIMIT_MSATS) {
-    throw new Error(
-      `pending invoices and withdrawals must not cause balance to exceed ${
-        numWithUnits(msatsToSats(BALANCE_LIMIT_MSATS))
-      }`
-    )
-  }
-}
diff --git a/api/paidAction/pollVote.js b/api/paidAction/pollVote.js
index c63ecef2e..d2eb41785 100644
--- a/api/paidAction/pollVote.js
+++ b/api/paidAction/pollVote.js
@@ -5,6 +5,7 @@ export const anonable = false
 
 export const paymentMethods = [
   PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT,
+  PAID_ACTION_PAYMENT_METHODS.REWARD_SATS,
   PAID_ACTION_PAYMENT_METHODS.OPTIMISTIC
 ]
 
diff --git a/api/paidAction/receive.js b/api/paidAction/receive.js
index 4bf28e18d..96769a7fe 100644
--- a/api/paidAction/receive.js
+++ b/api/paidAction/receive.js
@@ -2,7 +2,6 @@ import { PAID_ACTION_PAYMENT_METHODS } from '@/lib/constants'
 import { toPositiveBigInt, numWithUnits, msatsToSats, satsToMsats } from '@/lib/format'
 import { notifyDeposit } from '@/lib/webPush'
 import { getInvoiceableWallets } from '@/wallets/server'
-import { assertBelowBalanceLimit } from './lib/assert'
 
 export const anonable = false
 
@@ -19,13 +18,16 @@ export async function getCost ({ msats }) {
 export async function getInvoiceablePeer (_, { me, models, cost, paymentMethod }) {
   if (paymentMethod === PAID_ACTION_PAYMENT_METHODS.P2P && !me?.proxyReceive) return null
   if (paymentMethod === PAID_ACTION_PAYMENT_METHODS.DIRECT && !me?.directReceive) return null
-  if ((cost + me.msats) <= satsToMsats(me.autoWithdrawThreshold)) return null
 
   const wallets = await getInvoiceableWallets(me.id, { models })
   if (wallets.length === 0) {
     return null
   }
 
+  if (cost < satsToMsats(me.receiveCreditsBelowSats)) {
+    return null
+  }
+
   return me.id
 }
 
@@ -39,7 +41,7 @@ export async function perform ({
   lud18Data,
   noteStr
 }, { me, tx }) {
-  const invoice = await tx.invoice.update({
+  return await tx.invoice.update({
     where: { id: invoiceId },
     data: {
       comment,
@@ -48,11 +50,6 @@ export async function perform ({
     },
     include: { invoiceForward: true }
   })
-
-  if (!invoice.invoiceForward) {
-    // if the invoice is not p2p, assert that the user's balance limit is not exceeded
-    await assertBelowBalanceLimit({ me, tx })
-  }
 }
 
 export async function describe ({ description }, { me, cost, paymentMethod, sybilFeePercent }) {
@@ -73,7 +70,7 @@ export async function onPaid ({ invoice }, { tx }) {
   await tx.user.update({
     where: { id: invoice.userId },
     data: {
-      msats: {
+      mcredits: {
         increment: invoice.msatsReceived
       }
     }
diff --git a/api/paidAction/territoryBilling.js b/api/paidAction/territoryBilling.js
index 3f5d6fede..526816f7c 100644
--- a/api/paidAction/territoryBilling.js
+++ b/api/paidAction/territoryBilling.js
@@ -6,6 +6,7 @@ export const anonable = false
 
 export const paymentMethods = [
   PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT,
+  PAID_ACTION_PAYMENT_METHODS.REWARD_SATS,
   PAID_ACTION_PAYMENT_METHODS.PESSIMISTIC
 ]
 
diff --git a/api/paidAction/territoryCreate.js b/api/paidAction/territoryCreate.js
index 3cb4bb8e5..ef2610d51 100644
--- a/api/paidAction/territoryCreate.js
+++ b/api/paidAction/territoryCreate.js
@@ -6,6 +6,7 @@ export const anonable = false
 
 export const paymentMethods = [
   PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT,
+  PAID_ACTION_PAYMENT_METHODS.REWARD_SATS,
   PAID_ACTION_PAYMENT_METHODS.PESSIMISTIC
 ]
 
diff --git a/api/paidAction/territoryUnarchive.js b/api/paidAction/territoryUnarchive.js
index 70f03931c..bb547be80 100644
--- a/api/paidAction/territoryUnarchive.js
+++ b/api/paidAction/territoryUnarchive.js
@@ -6,6 +6,7 @@ export const anonable = false
 
 export const paymentMethods = [
   PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT,
+  PAID_ACTION_PAYMENT_METHODS.REWARD_SATS,
   PAID_ACTION_PAYMENT_METHODS.PESSIMISTIC
 ]
 
diff --git a/api/paidAction/territoryUpdate.js b/api/paidAction/territoryUpdate.js
index 54bdc42bf..30040a804 100644
--- a/api/paidAction/territoryUpdate.js
+++ b/api/paidAction/territoryUpdate.js
@@ -7,6 +7,7 @@ export const anonable = false
 
 export const paymentMethods = [
   PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT,
+  PAID_ACTION_PAYMENT_METHODS.REWARD_SATS,
   PAID_ACTION_PAYMENT_METHODS.PESSIMISTIC
 ]
 
diff --git a/api/paidAction/zap.js b/api/paidAction/zap.js
index 51ac29b06..8705d7aa7 100644
--- a/api/paidAction/zap.js
+++ b/api/paidAction/zap.js
@@ -6,8 +6,9 @@ import { getInvoiceableWallets } from '@/wallets/server'
 export const anonable = true
 
 export const paymentMethods = [
-  PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT,
   PAID_ACTION_PAYMENT_METHODS.P2P,
+  PAID_ACTION_PAYMENT_METHODS.FEE_CREDIT,
+  PAID_ACTION_PAYMENT_METHODS.REWARD_SATS,
   PAID_ACTION_PAYMENT_METHODS.OPTIMISTIC,
   PAID_ACTION_PAYMENT_METHODS.PESSIMISTIC
 ]
@@ -16,16 +17,38 @@ export async function getCost ({ sats }) {
   return satsToMsats(sats)
 }
 
-export async function getInvoiceablePeer ({ id }, { models }) {
+export async function getInvoiceablePeer ({ id, sats, hasSendWallet }, { models, me, cost }) {
+  // if the zap is dust, or if me doesn't have a send wallet but has enough sats/credits to pay for it
+  // then we don't invoice the peer
+  if (sats < me?.sendCreditsBelowSats ||
+    (me && !hasSendWallet && (me.mcredits >= cost || me.msats >= cost))) {
+    return null
+  }
+
   const item = await models.item.findUnique({
     where: { id: parseInt(id) },
-    include: { itemForwards: true }
+    include: {
+      itemForwards: true,
+      user: true
+    }
   })
 
+  // bios don't get sats
+  if (item.bio) {
+    return null
+  }
+
   const wallets = await getInvoiceableWallets(item.userId, { models })
 
   // request peer invoice if they have an attached wallet and have not forwarded the item
-  return wallets.length > 0 && item.itemForwards.length === 0 ? item.userId : null
+  // and the receiver doesn't want to receive credits
+  if (wallets.length > 0 &&
+    item.itemForwards.length === 0 &&
+    sats >= item.user.receiveCreditsBelowSats) {
+    return item.userId
+  }
+
+  return null
 }
 
 export async function getSybilFeePercent () {
@@ -90,32 +113,38 @@ export async function onPaid ({ invoice, actIds }, { tx }) {
   const sats = msatsToSats(msats)
   const itemAct = acts.find(act => act.act === 'TIP')
 
-  // give user and all forwards the sats
-  await tx.$executeRaw`
-    WITH forwardees AS (
-      SELECT "userId", ((${itemAct.msats}::BIGINT * pct) / 100)::BIGINT AS msats
-      FROM "ItemForward"
-      WHERE "itemId" = ${itemAct.itemId}::INTEGER
-    ), total_forwarded AS (
-      SELECT COALESCE(SUM(msats), 0) as msats
-      FROM forwardees
-    ), recipients AS (
-      SELECT "userId", msats, msats AS "stackedMsats" FROM forwardees
-      UNION
-      SELECT ${itemAct.item.userId}::INTEGER as "userId",
-        CASE WHEN ${!!invoice?.invoiceForward}::BOOLEAN
-          THEN 0::BIGINT
-          ELSE ${itemAct.msats}::BIGINT - (SELECT msats FROM total_forwarded)::BIGINT
-        END as msats,
-        ${itemAct.msats}::BIGINT - (SELECT msats FROM total_forwarded)::BIGINT as "stackedMsats"
-      ORDER BY "userId" ASC -- order to prevent deadlocks
-    )
-    UPDATE users
-    SET
-      msats = users.msats + recipients.msats,
-      "stackedMsats" = users."stackedMsats" + recipients."stackedMsats"
-    FROM recipients
-    WHERE users.id = recipients."userId"`
+  if (invoice?.invoiceForward) {
+    // only the op got sats and we need to add it to their stackedMsats
+    // because the sats were p2p
+    await tx.user.update({
+      where: { id: itemAct.item.userId },
+      data: { stackedMsats: { increment: itemAct.msats } }
+    })
+  } else {
+    // splits only use mcredits
+    await tx.$executeRaw`
+      WITH forwardees AS (
+        SELECT "userId", ((${itemAct.msats}::BIGINT * pct) / 100)::BIGINT AS mcredits
+        FROM "ItemForward"
+        WHERE "itemId" = ${itemAct.itemId}::INTEGER
+      ), total_forwarded AS (
+        SELECT COALESCE(SUM(mcredits), 0) as mcredits
+        FROM forwardees
+      ), recipients AS (
+        SELECT "userId", mcredits FROM forwardees
+        UNION
+        SELECT ${itemAct.item.userId}::INTEGER as "userId",
+          ${itemAct.msats}::BIGINT - (SELECT mcredits FROM total_forwarded)::BIGINT as mcredits
+        ORDER BY "userId" ASC -- order to prevent deadlocks
+      )
+      UPDATE users
+      SET
+        mcredits = users.mcredits + recipients.mcredits,
+        "stackedMsats" = users."stackedMsats" + recipients.mcredits,
+        "stackedMcredits" = users."stackedMcredits" + recipients.mcredits
+      FROM recipients
+      WHERE users.id = recipients."userId"`
+  }
 
   // perform denomormalized aggregates: weighted votes, upvotes, msats, lastZapAt
   // NOTE: for the rows that might be updated by a concurrent zap, we use UPDATE for implicit locking
@@ -135,6 +164,7 @@ export async function onPaid ({ invoice, actIds }, { tx }) {
       "weightedVotes" = "weightedVotes" + (zapper.trust * zap.log_sats),
       upvotes = upvotes + zap.first_vote,
       msats = "Item".msats + ${msats}::BIGINT,
+      mcredits = "Item".mcredits + ${invoice?.invoiceForward ? 0n : msats}::BIGINT,
       "lastZapAt" = now()
     FROM zap, zapper
     WHERE "Item".id = ${itemAct.itemId}::INTEGER
@@ -165,7 +195,8 @@ export async function onPaid ({ invoice, actIds }, { tx }) {
         SELECT * FROM "Item" WHERE id = ${itemAct.itemId}::INTEGER
       )
       UPDATE "Item"
-      SET "commentMsats" = "Item"."commentMsats" + ${msats}::BIGINT
+      SET "commentMsats" = "Item"."commentMsats" + ${msats}::BIGINT,
+        "commentMcredits" = "Item"."commentMcredits" + ${invoice?.invoiceForward ? 0n : msats}::BIGINT
       FROM zapped
       WHERE "Item".path @> zapped.path AND "Item".id <> zapped.id`
 }
diff --git a/api/resolvers/invite.js b/api/resolvers/invite.js
index 226debe64..229050ff8 100644
--- a/api/resolvers/invite.js
+++ b/api/resolvers/invite.js
@@ -83,7 +83,7 @@ export default {
     },
     poor: async (invite, args, { me, models }) => {
       const user = await models.user.findUnique({ where: { id: invite.userId } })
-      return msatsToSats(user.msats) < invite.gift
+      return msatsToSats(user.msats) < invite.gift && msatsToSats(user.mcredits) < invite.gift
     },
     description: (invite, args, { me }) => {
       return invite.userId === me?.id ? invite.description : undefined
diff --git a/api/resolvers/item.js b/api/resolvers/item.js
index 2f0676a94..8f90aed5e 100644
--- a/api/resolvers/item.js
+++ b/api/resolvers/item.js
@@ -150,6 +150,7 @@ export async function itemQueryWithMeta ({ me, models, query, orderBy = '' }, ..
     return await models.$queryRawUnsafe(`
       SELECT "Item".*, to_jsonb(users.*) || jsonb_build_object('meMute', "Mute"."mutedId" IS NOT NULL) as user,
         COALESCE("ItemAct"."meMsats", 0) as "meMsats", COALESCE("ItemAct"."mePendingMsats", 0) as "mePendingMsats",
+        COALESCE("ItemAct"."meMcredits", 0) as "meMcredits", COALESCE("ItemAct"."mePendingMcredits", 0) as "mePendingMcredits",
         COALESCE("ItemAct"."meDontLikeMsats", 0) as "meDontLikeMsats", b."itemId" IS NOT NULL AS "meBookmark",
         "ThreadSubscription"."itemId" IS NOT NULL AS "meSubscription", "ItemForward"."itemId" IS NOT NULL AS "meForward",
         to_jsonb("Sub".*) || jsonb_build_object('meMuteSub', "MuteSub"."userId" IS NOT NULL)
@@ -167,10 +168,14 @@ export async function itemQueryWithMeta ({ me, models, query, orderBy = '' }, ..
       LEFT JOIN "SubSubscription" ON "Sub"."name" = "SubSubscription"."subName" AND "SubSubscription"."userId" = ${me.id}
       LEFT JOIN LATERAL (
         SELECT "itemId",
-          sum("ItemAct".msats) FILTER (WHERE "invoiceActionState" IS DISTINCT FROM 'FAILED' AND (act = 'FEE' OR act = 'TIP')) AS "meMsats",
-          sum("ItemAct".msats) FILTER (WHERE "invoiceActionState" IS NOT DISTINCT FROM 'PENDING' AND (act = 'FEE' OR act = 'TIP') AND "Item"."userId" <> ${me.id}) AS "mePendingMsats",
+          sum("ItemAct".msats) FILTER (WHERE "invoiceActionState" IS DISTINCT FROM 'FAILED' AND "InvoiceForward".id IS NOT NULL AND (act = 'FEE' OR act = 'TIP')) AS "meMsats",
+          sum("ItemAct".msats) FILTER (WHERE "invoiceActionState" IS DISTINCT FROM 'FAILED' AND "InvoiceForward".id IS NULL AND (act = 'FEE' OR act = 'TIP')) AS "meMcredits",
+          sum("ItemAct".msats) FILTER (WHERE "invoiceActionState" IS NOT DISTINCT FROM 'PENDING' AND "InvoiceForward".id IS NOT NULL AND (act = 'FEE' OR act = 'TIP')) AS "mePendingMsats",
+          sum("ItemAct".msats) FILTER (WHERE "invoiceActionState" IS NOT DISTINCT FROM 'PENDING' AND "InvoiceForward".id IS NULL AND (act = 'FEE' OR act = 'TIP')) AS "mePendingMcredits",
           sum("ItemAct".msats) FILTER (WHERE "invoiceActionState" IS DISTINCT FROM 'FAILED' AND act = 'DONT_LIKE_THIS') AS "meDontLikeMsats"
         FROM "ItemAct"
+        LEFT JOIN "Invoice" ON "Invoice".id = "ItemAct"."invoiceId"
+        LEFT JOIN "InvoiceForward" ON "InvoiceForward"."invoiceId" = "Invoice"."id"
         WHERE "ItemAct"."userId" = ${me.id}
         AND "ItemAct"."itemId" = "Item".id
         GROUP BY "ItemAct"."itemId"
@@ -940,7 +945,7 @@ export default {
 
       return await performPaidAction('POLL_VOTE', { id }, { me, models, lnd })
     },
-    act: async (parent, { id, sats, act = 'TIP' }, { me, models, lnd, headers }) => {
+    act: async (parent, { id, sats, act = 'TIP', hasSendWallet }, { me, models, lnd, headers }) => {
       assertApiKeyNotPermitted({ me })
       await validateSchema(actSchema, { sats, act })
       await assertGofacYourself({ models, headers })
@@ -974,7 +979,7 @@ export default {
       }
 
       if (act === 'TIP') {
-        return await performPaidAction('ZAP', { id, sats }, { me, models, lnd })
+        return await performPaidAction('ZAP', { id, sats, hasSendWallet }, { me, models, lnd })
       } else if (act === 'DONT_LIKE_THIS') {
         return await performPaidAction('DOWN_ZAP', { id, sats }, { me, models, lnd })
       } else if (act === 'BOOST') {
@@ -1049,11 +1054,17 @@ export default {
   },
   Item: {
     sats: async (item, args, { models }) => {
-      return msatsToSats(BigInt(item.msats) + BigInt(item.mePendingMsats || 0))
+      return msatsToSats(BigInt(item.msats) + BigInt(item.mePendingMsats || 0) + BigInt(item.mePendingMcredits || 0))
+    },
+    credits: async (item, args, { models }) => {
+      return msatsToSats(BigInt(item.mcredits) + BigInt(item.mePendingMcredits || 0))
     },
     commentSats: async (item, args, { models }) => {
       return msatsToSats(item.commentMsats)
     },
+    commentCredits: async (item, args, { models }) => {
+      return msatsToSats(item.commentMcredits)
+    },
     isJob: async (item, args, { models }) => {
       return item.subName === 'jobs'
     },
@@ -1170,8 +1181,8 @@ export default {
     },
     meSats: async (item, args, { me, models }) => {
       if (!me) return 0
-      if (typeof item.meMsats !== 'undefined') {
-        return msatsToSats(item.meMsats)
+      if (typeof item.meMsats !== 'undefined' && typeof item.meMcredits !== 'undefined') {
+        return msatsToSats(BigInt(item.meMsats) + BigInt(item.meMcredits))
       }
 
       const { _sum: { msats } } = await models.itemAct.aggregate({
@@ -1197,6 +1208,38 @@ export default {
 
       return (msats && msatsToSats(msats)) || 0
     },
+    meCredits: async (item, args, { me, models }) => {
+      if (!me) return 0
+      if (typeof item.meMcredits !== 'undefined') {
+        return msatsToSats(item.meMcredits)
+      }
+
+      const { _sum: { msats } } = await models.itemAct.aggregate({
+        _sum: {
+          msats: true
+        },
+        where: {
+          itemId: Number(item.id),
+          userId: me.id,
+          invoiceActionState: {
+            not: 'FAILED'
+          },
+          invoice: {
+            invoiceForward: { is: null }
+          },
+          OR: [
+            {
+              act: 'TIP'
+            },
+            {
+              act: 'FEE'
+            }
+          ]
+        }
+      })
+
+      return (msats && msatsToSats(msats)) || 0
+    },
     meDontLikeSats: async (item, args, { me, models }) => {
       if (!me) return 0
       if (typeof item.meDontLikeMsats !== 'undefined') {
diff --git a/api/resolvers/notifications.js b/api/resolvers/notifications.js
index a7af37bc5..26e8c4872 100644
--- a/api/resolvers/notifications.js
+++ b/api/resolvers/notifications.js
@@ -247,7 +247,7 @@ export default {
             WHERE "Withdrawl"."userId" = $1
             AND "Withdrawl".status = 'CONFIRMED'
             AND "Withdrawl".created_at < $2
-            AND ("InvoiceForward"."id" IS NULL OR "Invoice"."actionType" = 'ZAP')
+            AND "InvoiceForward"."id" IS NULL
             GROUP BY "Withdrawl".id
             ORDER BY "sortTime" DESC
             LIMIT ${LIMIT})`
diff --git a/api/resolvers/paidAction.js b/api/resolvers/paidAction.js
index 3fc20c4e5..2b993c1f0 100644
--- a/api/resolvers/paidAction.js
+++ b/api/resolvers/paidAction.js
@@ -21,6 +21,8 @@ function paidActionType (actionType) {
       return 'PollVotePaidAction'
     case 'RECEIVE':
       return 'ReceivePaidAction'
+    case 'BUY_CREDITS':
+      return 'BuyCreditsPaidAction'
     default:
       throw new Error('Unknown action type')
   }
diff --git a/api/resolvers/user.js b/api/resolvers/user.js
index 3dd6863f0..34e2aa402 100644
--- a/api/resolvers/user.js
+++ b/api/resolvers/user.js
@@ -1024,7 +1024,13 @@ export default {
       if (!me || me.id !== user.id) {
         return 0
       }
-      return msatsToSats(user.msats)
+      return msatsToSats(user.msats + user.mcredits)
+    },
+    credits: async (user, args, { models, me }) => {
+      if (!me || me.id !== user.id) {
+        return 0
+      }
+      return msatsToSats(user.mcredits)
     },
     authMethods,
     hasInvites: async (user, args, { models }) => {
@@ -1106,7 +1112,7 @@ export default {
 
       if (!when || when === 'forever') {
         // forever
-        return (user.stackedMsats && msatsToSats(user.stackedMsats)) || 0
+        return ((user.stackedMsats && msatsToSats(user.stackedMsats)) || 0)
       }
 
       const range = whenRange(when, from, to)
diff --git a/api/resolvers/wallet.js b/api/resolvers/wallet.js
index 7e305eec9..c71749ac0 100644
--- a/api/resolvers/wallet.js
+++ b/api/resolvers/wallet.js
@@ -583,6 +583,9 @@ const resolvers = {
       await models.walletLog.deleteMany({ where: { userId: me.id, wallet } })
 
       return true
+    },
+    buyCredits: async (parent, { credits }, { me, models, lnd }) => {
+      return await performPaidAction('BUY_CREDITS', { credits }, { models, me, lnd })
     }
   },
 
@@ -644,6 +647,9 @@ const resolvers = {
       }))?.withdrawl?.msatsPaid
       return msats ? msatsToSats(msats) : null
     },
+    invoiceForward: async (invoice, args, { models }) => {
+      return !!invoice.invoiceForward || !!(await models.invoiceForward.findUnique({ where: { invoiceId: Number(invoice.id) } }))
+    },
     nostr: async (invoice, args, { models }) => {
       try {
         return JSON.parse(invoice.desc)
diff --git a/api/typeDefs/item.js b/api/typeDefs/item.js
index fe87babd7..e44eca24a 100644
--- a/api/typeDefs/item.js
+++ b/api/typeDefs/item.js
@@ -60,7 +60,7 @@ export default gql`
       hash: String, hmac: String): ItemPaidAction!
     updateNoteId(id: ID!, noteId: String!): Item!
     upsertComment(id: ID, text: String!, parentId: ID, boost: Int, hash: String, hmac: String): ItemPaidAction!
-    act(id: ID!, sats: Int, act: String, idempotent: Boolean): ItemActPaidAction!
+    act(id: ID!, sats: Int, act: String, hasSendWallet: Boolean): ItemActPaidAction!
     pollVote(id: ID!): PollVotePaidAction!
     toggleOutlaw(id: ID!): Item!
   }
@@ -127,10 +127,13 @@ export default gql`
     bountyPaidTo: [Int]
     noteId: String
     sats: Int!
+    credits: Int!
     commentSats: Int!
+    commentCredits: Int!
     lastCommentAt: Date
     upvotes: Int!
     meSats: Int!
+    meCredits: Int!
     meDontLikeSats: Int!
     meBookmark: Boolean!
     meSubscription: Boolean!
diff --git a/api/typeDefs/paidAction.js b/api/typeDefs/paidAction.js
index 56dd74323..45c66c397 100644
--- a/api/typeDefs/paidAction.js
+++ b/api/typeDefs/paidAction.js
@@ -11,6 +11,7 @@ extend type Mutation {
 }
 
 enum PaymentMethod {
+  REWARD_SATS
   FEE_CREDIT
   ZERO_COST
   OPTIMISTIC
@@ -52,4 +53,9 @@ type DonatePaidAction implements PaidAction {
   paymentMethod: PaymentMethod!
 }
 
+type BuyCreditsPaidAction implements PaidAction {
+  result: BuyCreditsResult
+  invoice: Invoice
+  paymentMethod: PaymentMethod!
+}
 `
diff --git a/api/typeDefs/user.js b/api/typeDefs/user.js
index e61cb4b76..bfefe7e3d 100644
--- a/api/typeDefs/user.js
+++ b/api/typeDefs/user.js
@@ -114,6 +114,8 @@ export default gql`
     withdrawMaxFeeDefault: Int!
     proxyReceive: Boolean
     directReceive: Boolean
+    receiveCreditsBelowSats: Int!
+    sendCreditsBelowSats: Int!
   }
 
   type AuthMethods {
@@ -130,6 +132,7 @@ export default gql`
     extremely sensitive
     """
     sats: Int!
+    credits: Int!
     authMethods: AuthMethods!
     lnAddr: String
 
@@ -194,6 +197,8 @@ export default gql`
     walletsUpdatedAt: Date
     proxyReceive: Boolean
     directReceive: Boolean
+    receiveCreditsBelowSats: Int!
+    sendCreditsBelowSats: Int!
   }
 
   type UserOptional {
diff --git a/api/typeDefs/wallet.js b/api/typeDefs/wallet.js
index 01b12bff2..3006fc7a4 100644
--- a/api/typeDefs/wallet.js
+++ b/api/typeDefs/wallet.js
@@ -83,6 +83,11 @@ const typeDefs = `
     removeWallet(id: ID!): Boolean
     deleteWalletLogs(wallet: String): Boolean
     setWalletPriority(id: ID!, priority: Int!): Boolean
+    buyCredits(credits: Int!): BuyCreditsPaidAction!
+  }
+
+  type BuyCreditsResult {
+    credits: Int!
   }
 
   interface InvoiceOrDirect {
@@ -126,6 +131,7 @@ const typeDefs = `
     actionState: String
     actionType: String
     actionError: String
+    invoiceForward: Boolean
     item: Item
     itemAct: ItemAct
     forwardedSats: Int
diff --git a/components/banners.js b/components/banners.js
index 72387e7ca..c4edbf0f2 100644
--- a/components/banners.js
+++ b/components/banners.js
@@ -5,8 +5,6 @@ import { useMe } from '@/components/me'
 import { useMutation } from '@apollo/client'
 import { WELCOME_BANNER_MUTATION } from '@/fragments/users'
 import { useToast } from '@/components/toast'
-import { BALANCE_LIMIT_MSATS } from '@/lib/constants'
-import { msatsToSats, numWithUnits } from '@/lib/format'
 import Link from 'next/link'
 
 export function WelcomeBanner ({ Banner }) {
@@ -102,27 +100,6 @@ export function MadnessBanner ({ handleClose }) {
   )
 }
 
-export function WalletLimitBanner () {
-  const { me } = useMe()
-
-  const limitReached = me?.privates?.sats >= msatsToSats(BALANCE_LIMIT_MSATS)
-  if (!me || !limitReached) return
-
-  return (
-    <Alert className={styles.banner} key='info' variant='warning'>
-      <Alert.Heading>
-        Your wallet is over the current limit ({numWithUnits(msatsToSats(BALANCE_LIMIT_MSATS))})
-      </Alert.Heading>
-      <p className='mb-1'>
-        Deposits to your wallet from <strong>outside</strong> of SN are blocked.
-      </p>
-      <p>
-        Please spend or withdraw sats to restore full wallet functionality.
-      </p>
-    </Alert>
-  )
-}
-
 export function WalletSecurityBanner ({ isActive }) {
   return (
     <Alert className={styles.banner} key='info' variant='warning'>
diff --git a/components/fee-button.js b/components/fee-button.js
index 194dd1231..d490c4499 100644
--- a/components/fee-button.js
+++ b/components/fee-button.js
@@ -114,7 +114,7 @@ export function FeeButtonProvider ({ baseLineItems = DEFAULT_BASE_LINE_ITEMS, us
     const lines = { ...baseLineItems, ...lineItems, ...remoteLineItems }
     const total = Object.values(lines).sort(sortHelper).reduce((acc, { modifier }) => modifier(acc), 0)
     // freebies: there's only a base cost and we don't have enough sats
-    const free = total === lines.baseCost?.modifier(0) && lines.baseCost?.allowFreebies && me?.privates?.sats < total && !me?.privates?.disableFreebies
+    const free = total === lines.baseCost?.modifier(0) && lines.baseCost?.allowFreebies && me?.privates?.sats < total && me?.privates?.credits < total && !me?.privates?.disableFreebies
     return {
       lines,
       merge: mergeLineItems,
diff --git a/components/item-act.js b/components/item-act.js
index 3254357b2..7733b4a12 100644
--- a/components/item-act.js
+++ b/components/item-act.js
@@ -179,9 +179,11 @@ export default function ItemAct ({ onClose, item, act = 'TIP', step, children, a
       </Form>)
 }
 
-function modifyActCache (cache, { result, invoice }) {
+function modifyActCache (cache, { result, invoice }, me) {
   if (!result) return
   const { id, sats, act } = result
+  const p2p = invoice?.invoiceForward
+
   cache.modify({
     id: `Item:${id}`,
     fields: {
@@ -191,12 +193,24 @@ function modifyActCache (cache, { result, invoice }) {
         }
         return existingSats
       },
+      credits (existingCredits = 0) {
+        if (act === 'TIP' && !p2p) {
+          return existingCredits + sats
+        }
+        return existingCredits
+      },
       meSats: (existingSats = 0) => {
-        if (act === 'TIP') {
+        if (act === 'TIP' && me) {
           return existingSats + sats
         }
         return existingSats
       },
+      meCredits: (existingCredits = 0) => {
+        if (act === 'TIP' && !p2p && me) {
+          return existingCredits + sats
+        }
+        return existingCredits
+      },
       meDontLikeSats: (existingSats = 0) => {
         if (act === 'DONT_LIKE_THIS') {
           return existingSats + sats
@@ -219,6 +233,8 @@ function modifyActCache (cache, { result, invoice }) {
 function updateAncestors (cache, { result, invoice }) {
   if (!result) return
   const { id, sats, act, path } = result
+  const p2p = invoice?.invoiceForward
+
   if (act === 'TIP') {
     // update all ancestors
     path.split('.').forEach(aId => {
@@ -226,6 +242,12 @@ function updateAncestors (cache, { result, invoice }) {
       cache.modify({
         id: `Item:${aId}`,
         fields: {
+          commentCredits (existingCommentCredits = 0) {
+            if (p2p) {
+              return existingCommentCredits
+            }
+            return existingCommentCredits + sats
+          },
           commentSats (existingCommentSats = 0) {
             return existingCommentSats + sats
           }
@@ -237,6 +259,7 @@ function updateAncestors (cache, { result, invoice }) {
 }
 
 export function useAct ({ query = ACT_MUTATION, ...options } = {}) {
+  const { me } = useMe()
   // because the mutation name we use varies,
   // we need to extract the result/invoice from the response
   const getPaidActionResult = data => Object.values(data)[0]
@@ -253,7 +276,7 @@ export function useAct ({ query = ACT_MUTATION, ...options } = {}) {
     update: (cache, { data }) => {
       const response = getPaidActionResult(data)
       if (!response) return
-      modifyActCache(cache, response)
+      modifyActCache(cache, response, me)
       options?.update?.(cache, { data })
     },
     onPayError: (e, cache, { data }) => {
@@ -261,7 +284,7 @@ export function useAct ({ query = ACT_MUTATION, ...options } = {}) {
       if (!response || !response.result) return
       const { result: { sats } } = response
       const negate = { ...response, result: { ...response.result, sats: -1 * sats } }
-      modifyActCache(cache, negate)
+      modifyActCache(cache, negate, me)
       options?.onPayError?.(e, cache, { data })
     },
     onPaid: (cache, { data }) => {
@@ -286,7 +309,7 @@ export function useZap () {
     // add current sats to next tip since idempotent zaps use desired total zap not difference
     const sats = nextTip(meSats, { ...me?.privates })
 
-    const variables = { id: item.id, sats, act: 'TIP' }
+    const variables = { id: item.id, sats, act: 'TIP', hasSendWallet: wallets.length > 0 }
     const optimisticResponse = { act: { __typename: 'ItemActPaidAction', result: { path: item.path, ...variables } } }
 
     try {
diff --git a/components/item-info.js b/components/item-info.js
index 63123860a..b98500cd8 100644
--- a/components/item-info.js
+++ b/components/item-info.js
@@ -30,6 +30,39 @@ import classNames from 'classnames'
 import SubPopover from './sub-popover'
 import useCanEdit from './use-can-edit'
 
+function itemTitle (item) {
+  let title = ''
+  title += numWithUnits(item.upvotes, {
+    abbreviate: false,
+    unitSingular: 'zapper',
+    unitPlural: 'zappers'
+  })
+  if (item.sats) {
+    title += ` \\ ${numWithUnits(item.sats - item.credits, { abbreviate: false })}`
+  }
+  if (item.credits) {
+    title += ` \\ ${numWithUnits(item.credits, { abbreviate: false, unitSingular: 'CC', unitPlural: 'CCs' })}`
+  }
+  if (item.mine) {
+    title += ` (${numWithUnits(item.meSats, { abbreviate: false })} to post)`
+  } else if (item.meSats || item.meDontLikeSats || item.meAnonSats) {
+    const satSources = []
+    if (item.meAnonSats || (item.meSats || 0) - (item.meCredits || 0) > 0) {
+      satSources.push(`${numWithUnits((item.meSats || 0) + (item.meAnonSats || 0) - (item.meCredits || 0), { abbreviate: false })}`)
+    }
+    if (item.meCredits) {
+      satSources.push(`${numWithUnits(item.meCredits, { abbreviate: false, unitSingular: 'CC', unitPlural: 'CCs' })}`)
+    }
+    if (item.meDontLikeSats) {
+      satSources.push(`${numWithUnits(item.meDontLikeSats, { abbreviate: false, unitSingular: 'downsat', unitPlural: 'downsats' })}`)
+    }
+    if (satSources.length) {
+      title += ` (${satSources.join(' & ')} from me)`
+    }
+  }
+  return title
+}
+
 export default function ItemInfo ({
   item, full, commentsText = 'comments',
   commentTextSingular = 'comment', className, embellishUser, extraInfo, edit, toggleEdit, editText,
@@ -62,16 +95,7 @@ export default function ItemInfo ({
     <div className={className || `${styles.other}`}>
       {!(item.position && (pinnable || !item.subName)) && !(!item.parentId && Number(item.user?.id) === USER_ID.ad) &&
         <>
-          <span title={`from ${numWithUnits(item.upvotes, {
-            abbreviate: false,
-            unitSingular: 'stacker',
-            unitPlural: 'stackers'
-          })} ${item.mine
-            ? `\\ ${numWithUnits(item.meSats, { abbreviate: false })} to post`
-            : `(${numWithUnits(meSats, { abbreviate: false })}${item.meDontLikeSats
-              ? ` & ${numWithUnits(item.meDontLikeSats, { abbreviate: false, unitSingular: 'downsat', unitPlural: 'downsats' })}`
-              : ''} from me)`} `}
-          >
+          <span title={itemTitle(item)}>
             {numWithUnits(item.sats)}
           </span>
           <span> \ </span>
@@ -229,11 +253,21 @@ function InfoDropdownItem ({ item }) {
           <div>cost</div>
           <div>{item.cost}</div>
           <div>sats</div>
-          <div>{item.sats}</div>
+          <div>{item.sats - item.credits}</div>
+          <div>CCs</div>
+          <div>{item.credits}</div>
+          <div>comment sats</div>
+          <div>{item.commentSats - item.commentCredits}</div>
+          <div>comment CCs</div>
+          <div>{item.commentCredits}</div>
           {me && (
             <>
               <div>sats from me</div>
-              <div>{item.meSats}</div>
+              <div>{item.meSats - item.meCredits}</div>
+              <div>CCs from me</div>
+              <div>{item.meCredits}</div>
+              <div>downsats from me</div>
+              <div>{item.meDontLikeSats}</div>
             </>
           )}
           <div>zappers</div>
diff --git a/components/nav/common.js b/components/nav/common.js
index f6077c4c9..7f0fc32fd 100644
--- a/components/nav/common.js
+++ b/components/nav/common.js
@@ -6,12 +6,11 @@ import BackArrow from '../../svgs/arrow-left-line.svg'
 import { useCallback, useEffect, useState } from 'react'
 import Price from '../price'
 import SubSelect from '../sub-select'
-import { USER_ID, BALANCE_LIMIT_MSATS } from '../../lib/constants'
+import { USER_ID } from '../../lib/constants'
 import Head from 'next/head'
 import NoteIcon from '../../svgs/notification-4-fill.svg'
 import { useMe } from '../me'
-import HiddenWalletSummary from '../hidden-wallet-summary'
-import { abbrNum, msatsToSats } from '../../lib/format'
+import { abbrNum } from '../../lib/format'
 import { useServiceWorker } from '../serviceworker'
 import { signOut } from 'next-auth/react'
 import Badges from '../badge'
@@ -25,7 +24,7 @@ import { useHasNewNotes } from '../use-has-new-notes'
 import { useWallets } from '@/wallets/index'
 import SwitchAccountList, { useAccounts } from '@/components/account'
 import { useShowModal } from '@/components/modal'
-
+import { numWithUnits } from '@/lib/format'
 export function Brand ({ className }) {
   return (
     <Link href='/' passHref legacyBehavior>
@@ -140,21 +139,24 @@ export function NavNotifications ({ className }) {
 
 export function WalletSummary () {
   const { me } = useMe()
-  if (!me) return null
-  if (me.privates?.hideWalletBalance) {
-    return <HiddenWalletSummary abbreviate fixedWidth />
-  }
-  return `${abbrNum(me.privates?.sats)}`
+  if (!me || me.privates?.sats === 0) return null
+  return (
+    <span
+      className='text-monospace'
+      title={`${numWithUnits(me.privates?.credits, { abbreviate: false, unitSingular: 'CC', unitPlural: 'CCs' })}`}
+    >
+      {`${abbrNum(me.privates?.sats)}`}
+    </span>
+  )
 }
 
 export function NavWalletSummary ({ className }) {
   const { me } = useMe()
-  const walletLimitReached = me?.privates?.sats >= msatsToSats(BALANCE_LIMIT_MSATS)
 
   return (
     <Nav.Item className={className}>
-      <Link href='/wallet' passHref legacyBehavior>
-        <Nav.Link eventKey='wallet' className={`${walletLimitReached ? 'text-warning' : 'text-success'} text-monospace px-0 text-nowrap`}>
+      <Link href='/credits' passHref legacyBehavior>
+        <Nav.Link eventKey='credits' className='text-success text-monospace px-0 text-nowrap'>
           <WalletSummary me={me} />
         </Nav.Link>
       </Link>
@@ -194,8 +196,11 @@ export function MeDropdown ({ me, dropNavKey }) {
           <Link href={'/' + me.name + '/bookmarks'} passHref legacyBehavior>
             <Dropdown.Item active={me.name + '/bookmarks' === dropNavKey}>bookmarks</Dropdown.Item>
           </Link>
-          <Link href='/wallet' passHref legacyBehavior>
-            <Dropdown.Item eventKey='wallet'>wallet</Dropdown.Item>
+          <Link href='/wallets' passHref legacyBehavior>
+            <Dropdown.Item eventKey='wallets'>wallets</Dropdown.Item>
+          </Link>
+          <Link href='/credits' passHref legacyBehavior>
+            <Dropdown.Item eventKey='credits'>credits</Dropdown.Item>
           </Link>
           <Link href='/satistics?inc=invoice,withdrawal,stacked,spent' passHref legacyBehavior>
             <Dropdown.Item eventKey='satistics'>satistics</Dropdown.Item>
diff --git a/components/nav/mobile/offcanvas.js b/components/nav/mobile/offcanvas.js
index 39a88b1e5..698dc96e0 100644
--- a/components/nav/mobile/offcanvas.js
+++ b/components/nav/mobile/offcanvas.js
@@ -59,8 +59,11 @@ export default function OffCanvas ({ me, dropNavKey }) {
                   <Link href={'/' + me.name + '/bookmarks'} passHref legacyBehavior>
                     <Dropdown.Item active={me.name + '/bookmarks' === dropNavKey}>bookmarks</Dropdown.Item>
                   </Link>
-                  <Link href='/wallet' passHref legacyBehavior>
-                    <Dropdown.Item eventKey='wallet'>wallet</Dropdown.Item>
+                  <Link href='/wallets' passHref legacyBehavior>
+                    <Dropdown.Item eventKey='wallets'>wallets</Dropdown.Item>
+                  </Link>
+                  <Link href='/credits' passHref legacyBehavior>
+                    <Dropdown.Item eventKey='credits'>credits</Dropdown.Item>
                   </Link>
                   <Link href='/satistics?inc=invoice,withdrawal,stacked,spent' passHref legacyBehavior>
                     <Dropdown.Item eventKey='satistics'>satistics</Dropdown.Item>
diff --git a/components/notifications.js b/components/notifications.js
index 2264c03c4..d159c74d1 100644
--- a/components/notifications.js
+++ b/components/notifications.js
@@ -535,9 +535,27 @@ function Referral ({ n }) {
   )
 }
 
+function stackedText (item) {
+  let text = ''
+  if (item.sats - item.credits > 0) {
+    text += `${numWithUnits(item.sats - item.credits, { abbreviate: false })}`
+
+    if (item.credits > 0) {
+      text += ' and '
+    }
+  }
+  if (item.credits > 0) {
+    text += `${numWithUnits(item.credits, { abbreviate: false, unitSingular: 'CC', unitPlural: 'CCs' })}`
+  }
+
+  return text
+}
+
 function Votification ({ n }) {
   let forwardedSats = 0
   let ForwardedUsers = null
+  let stackedTextString
+  let forwardedTextString
   if (n.item.forwards?.length) {
     forwardedSats = Math.floor(n.earnedSats * n.item.forwards.map(fwd => fwd.pct).reduce((sum, cur) => sum + cur) / 100)
     ForwardedUsers = () => n.item.forwards.map((fwd, i) =>
@@ -547,14 +565,18 @@ function Votification ({ n }) {
         </Link>
         {i !== n.item.forwards.length - 1 && ' '}
       </span>)
+    stackedTextString = numWithUnits(n.earnedSats, { abbreviate: false, unitSingular: 'CC', unitPlural: 'CCs' })
+    forwardedTextString = numWithUnits(forwardedSats, { abbreviate: false, unitSingular: 'CC', unitPlural: 'CCs' })
+  } else {
+    stackedTextString = stackedText(n.item)
   }
   return (
     <>
       <NoteHeader color='success'>
-        your {n.item.title ? 'post' : 'reply'} stacked {numWithUnits(n.earnedSats, { abbreviate: false })}
+        your {n.item.title ? 'post' : 'reply'} stacked {stackedTextString}
         {n.item.forwards?.length > 0 &&
           <>
-            {' '}and forwarded {numWithUnits(forwardedSats, { abbreviate: false })} to{' '}
+            {' '}and forwarded {forwardedTextString} to{' '}
             <ForwardedUsers />
           </>}
       </NoteHeader>
@@ -567,7 +589,7 @@ function ForwardedVotification ({ n }) {
   return (
     <>
       <NoteHeader color='success'>
-        you were forwarded {numWithUnits(n.earnedSats, { abbreviate: false })} from
+        you were forwarded {numWithUnits(n.earnedSats, { abbreviate: false, unitSingular: 'CC', unitPlural: 'CCs' })} from
       </NoteHeader>
       <NoteItem item={n.item} />
     </>
diff --git a/components/wallet-card.js b/components/wallet-card.js
index 1c5d1d0c3..0c0fb7ea5 100644
--- a/components/wallet-card.js
+++ b/components/wallet-card.js
@@ -44,7 +44,7 @@ export default function WalletCard ({ wallet, draggable, onDragStart, onDragEnte
             : <Card.Title className={styles.walletLogo}>{wallet.def.card.title}</Card.Title>}
         </div>
       </Card.Body>
-      <Link href={`/settings/wallets/${wallet.def.name}`}>
+      <Link href={`/wallets/${wallet.def.name}`}>
         <Card.Footer className={styles.attach}>
           {isConfigured(wallet)
             ? <>configure<Gear width={14} height={14} /></>
diff --git a/components/wallet-logger.js b/components/wallet-logger.js
index 2344b572d..a59cfb3e5 100644
--- a/components/wallet-logger.js
+++ b/components/wallet-logger.js
@@ -281,7 +281,7 @@ export function useWalletLogs (wallet, initialPage = 1, logsPerPage = 10) {
 
   useEffect(() => {
     // only fetch new logs if we are on a page that uses logs
-    const needLogs = router.asPath.startsWith('/settings/wallets') || router.asPath.startsWith('/wallet/logs')
+    const needLogs = router.asPath.startsWith('/wallets')
     if (!me || !needLogs) return
 
     let timeout
diff --git a/fragments/comments.js b/fragments/comments.js
index 0813dc9cd..50cdfafdc 100644
--- a/fragments/comments.js
+++ b/fragments/comments.js
@@ -27,11 +27,13 @@ export const COMMENT_FIELDS = gql`
       ...StreakFields
     }
     sats
+    credits
     meAnonSats @client
     upvotes
     freedFreebie
     boost
     meSats
+    meCredits
     meDontLikeSats
     meBookmark
     meSubscription
@@ -39,6 +41,7 @@ export const COMMENT_FIELDS = gql`
     freebie
     path
     commentSats
+    commentCredits
     mine
     otsHash
     ncomments
diff --git a/fragments/items.js b/fragments/items.js
index 6e1a9f407..ada616cd9 100644
--- a/fragments/items.js
+++ b/fragments/items.js
@@ -38,6 +38,7 @@ export const ITEM_FIELDS = gql`
     otsHash
     position
     sats
+    credits
     meAnonSats @client
     boost
     bounty
@@ -46,6 +47,7 @@ export const ITEM_FIELDS = gql`
     path
     upvotes
     meSats
+    meCredits
     meDontLikeSats
     meBookmark
     meSubscription
@@ -55,6 +57,7 @@ export const ITEM_FIELDS = gql`
     bio
     ncomments
     commentSats
+    commentCredits
     lastCommentAt
     isJob
     status
diff --git a/fragments/paidAction.js b/fragments/paidAction.js
index c47fa7005..17bc21e6d 100644
--- a/fragments/paidAction.js
+++ b/fragments/paidAction.js
@@ -11,6 +11,7 @@ export const PAID_ACTION = gql`
   fragment PaidActionFields on PaidAction {
     invoice {
       ...InvoiceFields
+      invoiceForward
     }
     paymentMethod
   }`
@@ -117,6 +118,17 @@ export const DONATE = gql`
     }
   }`
 
+export const BUY_CREDITS = gql`
+  ${PAID_ACTION}
+  mutation buyCredits($credits: Int!) {
+    buyCredits(credits: $credits) {
+      result {
+        credits
+      }
+      ...PaidActionFields
+    }
+  }`
+
 export const ACT_MUTATION = gql`
   ${PAID_ACTION}
   ${ITEM_ACT_PAID_ACTION_FIELDS}
diff --git a/fragments/users.js b/fragments/users.js
index b96ec9327..c65cc2a06 100644
--- a/fragments/users.js
+++ b/fragments/users.js
@@ -39,6 +39,7 @@ ${STREAK_FIELDS}
       nostrCrossposting
       nsfwMode
       sats
+      credits
       tipDefault
       tipRandom
       tipRandomMin
@@ -116,6 +117,8 @@ export const SETTINGS_FIELDS = gql`
       apiKeyEnabled
       proxyReceive
       directReceive
+      receiveCreditsBelowSats
+      sendCreditsBelowSats
     }
   }`
 
diff --git a/lib/constants.js b/lib/constants.js
index 1fd63ea8a..3372d9942 100644
--- a/lib/constants.js
+++ b/lib/constants.js
@@ -8,7 +8,8 @@ export const PAID_ACTION_PAYMENT_METHODS = {
   PESSIMISTIC: 'PESSIMISTIC',
   OPTIMISTIC: 'OPTIMISTIC',
   DIRECT: 'DIRECT',
-  P2P: 'P2P'
+  P2P: 'P2P',
+  REWARD_SATS: 'REWARD_SATS'
 }
 export const PAID_ACTION_TERMINAL_STATES = ['FAILED', 'PAID', 'RETRYING']
 export const NOFOLLOW_LIMIT = 1000
@@ -50,7 +51,6 @@ export const ITEM_EDIT_SECONDS = 600
 export const ITEM_SPAM_INTERVAL = '10m'
 export const ANON_ITEM_SPAM_INTERVAL = '0'
 export const INV_PENDING_LIMIT = 100
-export const BALANCE_LIMIT_MSATS = 100000000 // 100k sat
 export const USER_ID = {
   k00b: 616,
   ek: 6030,
diff --git a/lib/validate.js b/lib/validate.js
index 86b03bded..12bce77a8 100644
--- a/lib/validate.js
+++ b/lib/validate.js
@@ -2,11 +2,11 @@ import { string, ValidationError, number, object, array, boolean, date } from '.
 import {
   BOOST_MIN, MAX_POLL_CHOICE_LENGTH, MAX_TITLE_LENGTH, MAX_POLL_NUM_CHOICES,
   MIN_POLL_NUM_CHOICES, MAX_FORWARDS, BOOST_MULT, MAX_TERRITORY_DESC_LENGTH, POST_TYPES,
-  TERRITORY_BILLING_TYPES, MAX_COMMENT_TEXT_LENGTH, MAX_POST_TEXT_LENGTH, MIN_TITLE_LENGTH, BOUNTY_MIN, BOUNTY_MAX, BALANCE_LIMIT_MSATS
+  TERRITORY_BILLING_TYPES, MAX_COMMENT_TEXT_LENGTH, MAX_POST_TEXT_LENGTH, MIN_TITLE_LENGTH, BOUNTY_MIN, BOUNTY_MAX
 } from './constants'
 import { SUPPORTED_CURRENCIES } from './currency'
 import { NOSTR_MAX_RELAY_NUM, NOSTR_PUBKEY_BECH32, NOSTR_PUBKEY_HEX } from './nostr'
-import { msatsToSats, numWithUnits, abbrNum } from './format'
+import { numWithUnits } from './format'
 import { SUB } from '@/fragments/subs'
 import { NAME_QUERY } from '@/fragments/users'
 import { datePivot } from './time'
@@ -185,7 +185,7 @@ export function advSchema (args) {
 }
 
 export const autowithdrawSchemaMembers = object({
-  autoWithdrawThreshold: intValidator.required('required').min(0, 'must be at least 0').max(msatsToSats(BALANCE_LIMIT_MSATS), `must be at most ${abbrNum(msatsToSats(BALANCE_LIMIT_MSATS))}`).transform(Number),
+  autoWithdrawThreshold: intValidator.required('required').min(0, 'must be at least 0').max(10000, 'must be at most 10000').transform(Number),
   autoWithdrawMaxFeePercent: floatValidator.required('required').min(0, 'must be at least 0').max(50, 'must not exceed 50').transform(Number),
   autoWithdrawMaxFeeTotal: intValidator.required('required').min(0, 'must be at least 0').max(1_000, 'must not exceed 1000').transform(Number)
 })
diff --git a/pages/credits.js b/pages/credits.js
new file mode 100644
index 000000000..0351f9cb0
--- /dev/null
+++ b/pages/credits.js
@@ -0,0 +1,108 @@
+import { getGetServerSideProps } from '@/api/ssrApollo'
+import { Form, Input, SubmitButton } from '@/components/form'
+import { CenterLayout } from '@/components/layout'
+import { useLightning } from '@/components/lightning'
+import { useMe } from '@/components/me'
+import { useShowModal } from '@/components/modal'
+import { usePaidMutation } from '@/components/use-paid-mutation'
+import { BUY_CREDITS } from '@/fragments/paidAction'
+import { amountSchema } from '@/lib/validate'
+import { Button, Col, InputGroup, Row } from 'react-bootstrap'
+
+export const getServerSideProps = getGetServerSideProps({ authRequired: true })
+
+export default function Credits () {
+  const { me } = useMe()
+  return (
+    <CenterLayout footer footerLinks>
+      <Row className='w-100 d-none d-sm-flex justify-content-center'>
+        <Col>
+          <h2 className='text-end me-1 me-md-3'>
+            <div className='text-monospace'>
+              {me?.privates?.credits}
+            </div>
+            <div className='text-muted'>cowboy credits</div>
+            <BuyCreditsButton />
+          </h2>
+        </Col>
+        <Col>
+          <h2 className='text-start ms-1 ms-md-3'>
+            <div className='text-monospace'>
+              {me?.privates?.sats - me?.privates?.credits}
+            </div>
+            <div className='text-muted'>sats</div>
+            <Button variant='success mt-3' href='/withdraw'>withdraw sats</Button>
+          </h2>
+        </Col>
+      </Row>
+      <Row className='w-100 d-flex d-sm-none justify-content-center my-5'>
+        <Row className='mb-5'>
+          <h2 className='text-start'>
+            <div className='text-monospace'>
+              {me?.privates?.credits}
+            </div>
+            <div className='text-muted'>cowboy credits</div>
+            <BuyCreditsButton />
+          </h2>
+        </Row>
+        <Row>
+          <h2 className='text-end'>
+            <div className='text-monospace'>
+              {me?.privates?.sats - me?.privates?.credits}
+            </div>
+            <div className='text-muted'>sats</div>
+            <Button variant='success mt-3' href='/withdraw'>withdraw sats</Button>
+          </h2>
+        </Row>
+      </Row>
+    </CenterLayout>
+  )
+}
+
+export function BuyCreditsButton () {
+  const showModal = useShowModal()
+  const strike = useLightning()
+  const [buyCredits] = usePaidMutation(BUY_CREDITS)
+
+  return (
+    <>
+      <Button
+        onClick={() => showModal(onClose => (
+          <Form
+            initial={{
+              amount: 10000
+            }}
+            schema={amountSchema}
+            onSubmit={async ({ amount }) => {
+              const { error } = await buyCredits({
+                variables: {
+                  credits: Number(amount)
+                },
+                onCompleted: () => {
+                  strike()
+                }
+              })
+              onClose()
+              if (error) throw error
+            }}
+          >
+            <Input
+              label='amount'
+              name='amount'
+              type='number'
+              required
+              autoFocus
+              append={<InputGroup.Text className='text-monospace'>sats</InputGroup.Text>}
+            />
+            <div className='d-flex'>
+              <SubmitButton variant='secondary' className='ms-auto mt-1 px-4'>buy</SubmitButton>
+            </div>
+          </Form>
+        ))}
+        className='mt-3'
+        variant='secondary'
+      >buy credits
+      </Button>
+    </>
+  )
+}
diff --git a/pages/invites/[id].js b/pages/invites/[id].js
index d7ee861fb..c088d98b9 100644
--- a/pages/invites/[id].js
+++ b/pages/invites/[id].js
@@ -64,13 +64,13 @@ function InviteHeader ({ invite }) {
   if (invite.revoked) {
     Inner = () => <div className='text-danger'>this invite link expired</div>
   } else if ((invite.limit && invite.limit <= invite.invitees.length) || invite.poor) {
-    Inner = () => <div className='text-danger'>this invite link has no more sats</div>
+    Inner = () => <div className='text-danger'>this invite link has no more cowboy credits</div>
   } else {
     Inner = () => (
       <div>
-        Get <span className='text-success'>{invite.gift} free sats</span> from{' '}
+        Get <span className='text-success'>{invite.gift} cowboy credits</span> from{' '}
         <Link href={`/${invite.user.name}`}>@{invite.user.name}</Link>{' '}
-        when you sign up today
+        when you sign up
       </div>
     )
   }
diff --git a/pages/satistics/index.js b/pages/satistics/index.js
index 55e4cd103..ef2331856 100644
--- a/pages/satistics/index.js
+++ b/pages/satistics/index.js
@@ -264,7 +264,7 @@ export default function Satistics ({ ssrData }) {
           <div className={styles.rows}>
             <div className={[styles.type, styles.head].join(' ')}>type</div>
             <div className={[styles.detail, styles.head].join(' ')}>detail</div>
-            <div className={[styles.sats, styles.head].join(' ')}>sats</div>
+            <div className={[styles.sats, styles.head].join(' ')}>sats/credits</div>
             {facts.map(f => <Fact key={f.type + f.id} fact={f} />)}
           </div>
         </div>
diff --git a/pages/settings/index.js b/pages/settings/index.js
index 13cccd107..4f1e912d9 100644
--- a/pages/settings/index.js
+++ b/pages/settings/index.js
@@ -160,12 +160,15 @@ export default function Settings ({ ssrData }) {
             hideIsContributor: settings?.hideIsContributor,
             noReferralLinks: settings?.noReferralLinks,
             proxyReceive: settings?.proxyReceive,
-            directReceive: settings?.directReceive
+            directReceive: settings?.directReceive,
+            receiveCreditsBelowSats: settings?.receiveCreditsBelowSats,
+            sendCreditsBelowSats: settings?.sendCreditsBelowSats
           }}
           schema={settingsSchema}
           onSubmit={async ({
             tipDefault, tipRandom, tipRandomMin, tipRandomMax, withdrawMaxFeeDefault,
             zapUndos, zapUndosEnabled, nostrPubkey, nostrRelays, satsFilter,
+            receiveCreditsBelowSats, sendCreditsBelowSats,
             ...values
           }) => {
             if (nostrPubkey.length === 0) {
@@ -191,6 +194,8 @@ export default function Settings ({ ssrData }) {
                     withdrawMaxFeeDefault: Number(withdrawMaxFeeDefault),
                     satsFilter: Number(satsFilter),
                     zapUndos: zapUndosEnabled ? Number(zapUndos) : null,
+                    receiveCreditsBelowSats: Number(receiveCreditsBelowSats),
+                    sendCreditsBelowSats: Number(sendCreditsBelowSats),
                     nostrPubkey,
                     nostrRelays: nostrRelaysFiltered,
                     ...values
@@ -335,6 +340,18 @@ export default function Settings ({ ssrData }) {
             name='noteCowboyHat'
           />
           <div className='form-label'>wallet</div>
+          <Input
+            label='receive credits for zaps and deposits below'
+            name='receiveCreditsBelowSats'
+            required
+            append={<InputGroup.Text className='text-monospace'>sats</InputGroup.Text>}
+          />
+          <Input
+            label='send credits for zaps below'
+            name='sendCreditsBelowSats'
+            required
+            append={<InputGroup.Text className='text-monospace'>sats</InputGroup.Text>}
+          />
           <Checkbox
             label={
               <div className='d-flex align-items-center'>proxy deposits to attached wallets
diff --git a/pages/settings/wallets/[wallet].js b/pages/wallets/[wallet].js
similarity index 98%
rename from pages/settings/wallets/[wallet].js
rename to pages/wallets/[wallet].js
index 98cc2bf52..ff5830a6d 100644
--- a/pages/settings/wallets/[wallet].js
+++ b/pages/wallets/[wallet].js
@@ -92,7 +92,7 @@ export default function WalletSettings () {
             await save(values, values.enabled)
 
             toaster.success('saved settings')
-            router.push('/settings/wallets')
+            router.push('/wallets')
           } catch (err) {
             console.error(err)
             toaster.danger(err.message || err.toString?.())
@@ -115,7 +115,7 @@ export default function WalletSettings () {
             try {
               await detach()
               toaster.success('saved settings')
-              router.push('/settings/wallets')
+              router.push('/wallets')
             } catch (err) {
               console.error(err)
               const message = 'failed to detach: ' + err.message || err.toString?.()
diff --git a/pages/settings/wallets/index.js b/pages/wallets/index.js
similarity index 95%
rename from pages/settings/wallets/index.js
rename to pages/wallets/index.js
index 95e9a6eb8..06ffa784b 100644
--- a/pages/settings/wallets/index.js
+++ b/pages/wallets/index.js
@@ -86,10 +86,10 @@ export default function Wallet ({ ssrData }) {
   return (
     <Layout>
       <div className='py-5 w-100'>
-        <h2 className='mb-2 text-center'>attach wallets</h2>
-        <h6 className='text-muted text-center'>attach wallets to supplement your SN wallet</h6>
+        <h2 className='mb-2 text-center'>wallets</h2>
+        <h6 className='text-muted text-center'>use real bitcoin</h6>
         <div className='text-center'>
-          <Link href='/wallet/logs' className='text-muted fw-bold text-underline'>
+          <Link href='/wallets/logs' className='text-muted fw-bold text-underline'>
             wallet logs
           </Link>
         </div>
diff --git a/pages/wallet/logs.js b/pages/wallets/logs.js
similarity index 100%
rename from pages/wallet/logs.js
rename to pages/wallets/logs.js
diff --git a/pages/wallet/index.js b/pages/withdraw.js
similarity index 67%
rename from pages/wallet/index.js
rename to pages/withdraw.js
index 759e6e52c..1a39386e3 100644
--- a/pages/wallet/index.js
+++ b/pages/withdraw.js
@@ -1,198 +1,68 @@
-import { useRouter } from 'next/router'
-import { Checkbox, Form, Input, InputUserSuggest, SubmitButton } from '@/components/form'
+import { getGetServerSideProps } from '@/api/ssrApollo'
+import { CenterLayout } from '@/components/layout'
 import Link from 'next/link'
-import Button from 'react-bootstrap/Button'
+import { useRouter } from 'next/router'
+import { InputGroup, Nav } from 'react-bootstrap'
+import styles from '@/components/user-header.module.css'
 import { gql, useMutation, useQuery } from '@apollo/client'
-import Qr, { QrSkeleton } from '@/components/qr'
-import { CenterLayout } from '@/components/layout'
-import InputGroup from 'react-bootstrap/InputGroup'
-import { WithdrawlSkeleton } from '@/pages/withdrawals/[id]'
-import { useMe } from '@/components/me'
-import { useEffect, useState } from 'react'
-import { requestProvider } from 'webln'
-import Alert from 'react-bootstrap/Alert'
 import { CREATE_WITHDRAWL, SEND_TO_LNADDR } from '@/fragments/wallet'
-import { getGetServerSideProps } from '@/api/ssrApollo'
-import { amountSchema, lnAddrSchema, withdrawlSchema } from '@/lib/validate'
-import Nav from 'react-bootstrap/Nav'
-import { BALANCE_LIMIT_MSATS, FAST_POLL_INTERVAL, SSR } from '@/lib/constants'
-import { msatsToSats, numWithUnits } from '@/lib/format'
-import styles from '@/components/user-header.module.css'
-import HiddenWalletSummary from '@/components/hidden-wallet-summary'
-import AccordianItem from '@/components/accordian-item'
-import { lnAddrOptions } from '@/lib/lnurl'
-import useDebounceCallback from '@/components/use-debounce-callback'
-import { Scanner } from '@yudiel/react-qr-scanner'
-import CameraIcon from '@/svgs/camera-line.svg'
+import { requestProvider } from 'webln'
+import { useEffect, useState } from 'react'
+import { useMe } from '@/components/me'
+import { WithdrawlSkeleton } from './withdrawals/[id]'
+import { Checkbox, Form, Input, InputUserSuggest, SubmitButton } from '@/components/form'
+import { lnAddrSchema, withdrawlSchema } from '@/lib/validate'
 import { useShowModal } from '@/components/modal'
 import { useField } from 'formik'
 import { useToast } from '@/components/toast'
-import { WalletLimitBanner } from '@/components/banners'
-import Plug from '@/svgs/plug.svg'
+import { Scanner } from '@yudiel/react-qr-scanner'
 import { decode } from 'bolt11'
+import CameraIcon from '@/svgs/camera-line.svg'
+import { FAST_POLL_INTERVAL, SSR } from '@/lib/constants'
+import Qr, { QrSkeleton } from '@/components/qr'
+import useDebounceCallback from '@/components/use-debounce-callback'
+import { lnAddrOptions } from '@/lib/lnurl'
+import AccordianItem from '@/components/accordian-item'
+import { numWithUnits } from '@/lib/format'
 
 export const getServerSideProps = getGetServerSideProps({ authRequired: true })
 
-export default function Wallet () {
-  const router = useRouter()
-
-  if (router.query.type === 'fund') {
-    return (
-      <CenterLayout>
-        <FundForm />
-      </CenterLayout>
-    )
-  } else if (router.query.type?.includes('withdraw')) {
-    return (
-      <CenterLayout>
-        <WithdrawalForm />
-      </CenterLayout>
-    )
-  } else {
-    return (
-      <CenterLayout>
-        <YouHaveSats />
-        <WalletLimitBanner />
-        <WalletForm />
-        <WalletHistory />
-      </CenterLayout>
-    )
-  }
-}
-
-function YouHaveSats () {
-  const { me } = useMe()
-  const limitReached = me?.privates?.sats >= msatsToSats(BALANCE_LIMIT_MSATS)
+export default function Withdraw () {
   return (
-    <h2 className={`${me ? 'visible' : 'invisible'} ${limitReached ? 'text-warning' : 'text-success'}`}>
-      you have{' '}
-      <span className='text-monospace'>{me && (
-        me.privates?.hideWalletBalance
-          ? <HiddenWalletSummary />
-          : numWithUnits(me.privates?.sats, { abbreviate: false, format: true })
-      )}
-      </span>
-    </h2>
+    <CenterLayout>
+      <WithdrawForm />
+    </CenterLayout>
   )
 }
 
-function WalletHistory () {
-  return (
-    <div className='d-flex flex-column text-center'>
-      <div>
-        <Link href='/satistics?inc=invoice,withdrawal' className='text-muted fw-bold text-underline'>
-          wallet history
-        </Link>
-      </div>
-    </div>
-  )
-}
-
-export function WalletForm () {
-  return (
-    <div className='align-items-center text-center pt-5 pb-4'>
-      <Link href='/wallet?type=fund'>
-        <Button variant='success'>fund</Button>
-      </Link>
-      <span className='mx-3 fw-bold text-muted'>or</span>
-      <Link href='/wallet?type=withdraw'>
-        <Button variant='success'>withdraw</Button>
-      </Link>
-      <div className='mt-5'>
-        <Link href='/settings/wallets'>
-          <Button variant='info'>attach wallets <Plug className='fill-white ms-1' width={16} height={16} /></Button>
-        </Link>
-      </div>
-    </div>
-  )
-}
-
-export function FundForm () {
-  const { me } = useMe()
-  const [showAlert, setShowAlert] = useState(true)
-  const router = useRouter()
-  const [createInvoice, { called, error }] = useMutation(gql`
-    mutation createInvoice($amount: Int!) {
-      createInvoice(amount: $amount) {
-        __typename
-        id
-      }
-    }`)
-
-  useEffect(() => {
-    setShowAlert(!window.localStorage.getItem('hideLnAddrAlert'))
-  }, [])
-
-  if (called && !error) {
-    return <QrSkeleton description status='generating' bolt11Info />
-  }
-
-  return (
-    <>
-      <YouHaveSats />
-      <WalletLimitBanner />
-      <div className='w-100 py-5'>
-        {me && showAlert &&
-          <Alert
-            variant='success' dismissible onClose={() => {
-              window.localStorage.setItem('hideLnAddrAlert', 'yep')
-              setShowAlert(false)
-            }}
-          >
-            You can also fund your account via lightning address with <strong>{`${me.name}@stacker.news`}</strong>
-          </Alert>}
-        <Form
-          initial={{
-            amount: 1000
-          }}
-          schema={amountSchema}
-          onSubmit={async ({ amount }) => {
-            const { data } = await createInvoice({ variables: { amount: Number(amount) } })
-            if (data.createInvoice.__typename === 'Direct') {
-              router.push(`/directs/${data.createInvoice.id}`)
-            } else {
-              router.push(`/invoices/${data.createInvoice.id}`)
-            }
-          }}
-        >
-          <Input
-            label='amount'
-            name='amount'
-            required
-            autoFocus
-            append={<InputGroup.Text className='text-monospace'>sats</InputGroup.Text>}
-          />
-          <SubmitButton variant='success' className='mt-2'>generate invoice</SubmitButton>
-        </Form>
-      </div>
-      <WalletHistory />
-    </>
-  )
-}
-
-export function WithdrawalForm () {
+function WithdrawForm () {
   const router = useRouter()
+  const { me } = useMe()
 
   return (
     <div className='w-100 d-flex flex-column align-items-center py-5'>
-      <YouHaveSats />
+      <h2 className='text-start ms-1 ms-md-3'>
+        <div className='text-monospace'>
+          {numWithUnits(me?.privates?.sats - me?.privates?.credits, { abbreviate: false, format: true, unitSingular: 'sats', unitPlural: 'sats' })}
+        </div>
+      </h2>
       <Nav
         className={styles.nav}
-        activeKey={router.query.type}
+        activeKey={router.query.type ?? 'invoice'}
       >
         <Nav.Item>
-          <Link href='/wallet?type=withdraw' passHref legacyBehavior>
-            <Nav.Link eventKey='withdraw'>invoice</Nav.Link>
+          <Link href='/withdraw' passHref legacyBehavior>
+            <Nav.Link eventKey='invoice'>invoice</Nav.Link>
           </Link>
         </Nav.Item>
         <Nav.Item>
-          <Link href='/wallet?type=lnurl-withdraw' passHref legacyBehavior>
-            <Nav.Link eventKey='lnurl-withdraw'>QR code</Nav.Link>
+          <Link href='/withdraw?type=lnurl' passHref legacyBehavior>
+            <Nav.Link eventKey='lnurl'>QR code</Nav.Link>
           </Link>
         </Nav.Item>
         <Nav.Item>
-          <Link href='/wallet?type=lnaddr-withdraw' passHref legacyBehavior>
-            <Nav.Link eventKey='lnaddr-withdraw'>lightning address</Nav.Link>
+          <Link href='/withdraw?type=lnaddr' passHref legacyBehavior>
+            <Nav.Link eventKey='lnaddr'>lightning address</Nav.Link>
           </Link>
         </Nav.Item>
       </Nav>
@@ -205,12 +75,12 @@ export function SelectedWithdrawalForm () {
   const router = useRouter()
 
   switch (router.query.type) {
-    case 'withdraw':
-      return <InvWithdrawal />
-    case 'lnurl-withdraw':
-      return <LnWithdrawal />
-    case 'lnaddr-withdraw':
+    case 'lnurl':
+      return <LnurlWithdrawal />
+    case 'lnaddr':
       return <LnAddrWithdrawal />
+    default:
+      return <InvWithdrawal />
   }
 }
 
@@ -271,7 +141,9 @@ export function InvWithdrawal () {
           required
           append={<InputGroup.Text className='text-monospace'>sats</InputGroup.Text>}
         />
-        <SubmitButton variant='success' className='mt-2'>withdraw</SubmitButton>
+        <div className='d-flex justify-content-end mt-4'>
+          <SubmitButton variant='success'>withdraw</SubmitButton>
+        </div>
       </Form>
     </>
   )
@@ -343,7 +215,7 @@ function LnQRWith ({ k1, encodedUrl }) {
   return <Qr value={encodedUrl} status='waiting for you' />
 }
 
-export function LnWithdrawal () {
+export function LnurlWithdrawal () {
   // query for challenge
   const [createWith, { data, error }] = useMutation(gql`
     mutation createWith {
@@ -507,7 +379,9 @@ export function LnAddrWithdrawal () {
               />
             </div>
           </div>}
-        <SubmitButton variant='success' className='mt-2'>send</SubmitButton>
+        <div className='d-flex justify-content-end mt-4'>
+          <SubmitButton variant='success'>send</SubmitButton>
+        </div>
       </Form>
     </>
   )
diff --git a/prisma/migrations/20241203195142_fee_credits/migration.sql b/prisma/migrations/20241203195142_fee_credits/migration.sql
new file mode 100644
index 000000000..b4a8fadbb
--- /dev/null
+++ b/prisma/migrations/20241203195142_fee_credits/migration.sql
@@ -0,0 +1,78 @@
+-- AlterTable
+ALTER TABLE "Item" ADD COLUMN     "mcredits" BIGINT NOT NULL DEFAULT 0,
+ADD COLUMN     "commentMcredits" BIGINT NOT NULL DEFAULT 0;
+
+-- AlterTable
+ALTER TABLE "users" ADD COLUMN     "mcredits" BIGINT NOT NULL DEFAULT 0,
+ADD COLUMN     "stackedMcredits" BIGINT NOT NULL DEFAULT 0,
+ADD COLUMN     "receiveCreditsBelowSats" INTEGER NOT NULL DEFAULT 10,
+ADD COLUMN     "sendCreditsBelowSats" INTEGER NOT NULL DEFAULT 10;
+
+-- default to true now
+ALTER TABLE "users" ALTER COLUMN "proxyReceive" SET DEFAULT true,
+ALTER COLUMN "directReceive" SET DEFAULT true;
+
+-- if they don't have either set, set to true
+UPDATE "users" SET "proxyReceive" = true, "directReceive" = true
+WHERE NOT "proxyReceive" AND NOT "directReceive";
+
+-- add mcredits check
+ALTER TABLE users ADD CONSTRAINT "mcredits_positive" CHECK ("mcredits" >= 0) NOT VALID;
+ALTER TABLE users ADD CONSTRAINT "stackedMcredits_positive" CHECK ("stackedMcredits" >= 0) NOT VALID;
+
+-- add cowboy credits
+CREATE OR REPLACE FUNCTION item_comments_zaprank_with_me(_item_id int, _global_seed int, _me_id int, _level int, _where text, _order_by text)
+  RETURNS jsonb
+  LANGUAGE plpgsql VOLATILE PARALLEL SAFE AS
+$$
+DECLARE
+    result  jsonb;
+BEGIN
+    IF _level < 1 THEN
+        RETURN '[]'::jsonb;
+    END IF;
+
+    EXECUTE 'CREATE TEMP TABLE IF NOT EXISTS t_item ON COMMIT DROP AS'
+        || '    SELECT "Item".*, "Item".created_at at time zone ''UTC'' AS "createdAt", "Item".updated_at at time zone ''UTC'' AS "updatedAt", '
+        || '    "Item"."invoicePaidAt" at time zone ''UTC'' AS "invoicePaidAtUTC", to_jsonb(users.*) || jsonb_build_object(''meMute'', "Mute"."mutedId" IS NOT NULL) AS user, '
+        || '    COALESCE("ItemAct"."meMsats", 0) AS "meMsats", COALESCE("ItemAct"."mePendingMsats", 0) as "mePendingMsats", COALESCE("ItemAct"."meDontLikeMsats", 0) AS "meDontLikeMsats", '
+        || '    COALESCE("ItemAct"."meMcredits", 0) AS "meMcredits", COALESCE("ItemAct"."mePendingMcredits", 0) as "mePendingMcredits", '
+        || '    "Bookmark"."itemId" IS NOT NULL AS "meBookmark", "ThreadSubscription"."itemId" IS NOT NULL AS "meSubscription", '
+        || '    GREATEST(g.tf_hot_score, l.tf_hot_score) AS personal_hot_score, GREATEST(g.tf_top_score, l.tf_top_score) AS personal_top_score '
+        || '    FROM "Item" '
+        || '    JOIN users ON users.id = "Item"."userId" '
+        || '    LEFT JOIN "Mute" ON "Mute"."muterId" = $5 AND "Mute"."mutedId" = "Item"."userId"'
+        || '    LEFT JOIN "Bookmark" ON "Bookmark"."userId" = $5 AND "Bookmark"."itemId" = "Item".id '
+        || '    LEFT JOIN "ThreadSubscription" ON "ThreadSubscription"."userId" = $5 AND "ThreadSubscription"."itemId" = "Item".id '
+        || '    LEFT JOIN LATERAL ( '
+        || '        SELECT "itemId", '
+        || '            sum("ItemAct".msats) FILTER (WHERE "invoiceActionState" IS DISTINCT FROM ''FAILED'' AND "InvoiceForward".id IS NOT NULL AND (act = ''FEE'' OR act = ''TIP'')) AS "meMsats", '
+        || '            sum("ItemAct".msats) FILTER (WHERE "invoiceActionState" IS DISTINCT FROM ''FAILED'' AND "InvoiceForward".id IS NULL AND (act = ''FEE'' OR act = ''TIP'')) AS "meMcredits", '
+        || '            sum("ItemAct".msats) FILTER (WHERE "invoiceActionState" IS NOT DISTINCT FROM ''PENDING'' AND "InvoiceForward".id IS NOT NULL AND (act = ''FEE'' OR act = ''TIP'')) AS "mePendingMsats", '
+        || '            sum("ItemAct".msats) FILTER (WHERE "invoiceActionState" IS NOT DISTINCT FROM ''PENDING'' AND "InvoiceForward".id IS NULL AND (act = ''FEE'' OR act = ''TIP'')) AS "mePendingMcredits", '
+        || '            sum("ItemAct".msats) FILTER (WHERE "invoiceActionState" IS DISTINCT FROM ''FAILED'' AND act = ''DONT_LIKE_THIS'') AS "meDontLikeMsats" '
+        || '        FROM "ItemAct" '
+        || '        LEFT JOIN "Invoice" ON "Invoice".id = "ItemAct"."invoiceId" '
+        || '        LEFT JOIN "InvoiceForward" ON "InvoiceForward"."invoiceId" = "Invoice"."id" '
+        || '        WHERE "ItemAct"."userId" = $5 '
+        || '        AND "ItemAct"."itemId" = "Item".id '
+        || '        GROUP BY "ItemAct"."itemId" '
+        || '    ) "ItemAct" ON true '
+        || '    LEFT JOIN zap_rank_personal_view g ON g."viewerId" = $6 AND g.id = "Item".id '
+        || '    LEFT JOIN zap_rank_personal_view l ON l."viewerId" = $5 AND l.id = g.id '
+        || '    WHERE  "Item".path <@ (SELECT path FROM "Item" WHERE id = $1) ' || _where || ' '
+    USING _item_id, _level, _where, _order_by, _me_id, _global_seed;
+
+    EXECUTE ''
+        || 'SELECT COALESCE(jsonb_agg(sub), ''[]''::jsonb) AS comments '
+        || 'FROM  ( '
+        || '    SELECT "Item".*, item_comments_zaprank_with_me("Item".id, $6, $5, $2 - 1, $3, $4) AS comments '
+        || '    FROM t_item "Item" '
+        || '    WHERE  "Item"."parentId" = $1 '
+        ||      _order_by
+        || ' ) sub'
+    INTO result USING _item_id, _level, _where, _order_by, _me_id, _global_seed;
+
+    RETURN result;
+END
+$$;
\ No newline at end of file
diff --git a/prisma/migrations/20250102224852_hat_streak_credits/migration.sql b/prisma/migrations/20250102224852_hat_streak_credits/migration.sql
new file mode 100644
index 000000000..0b3f667c1
--- /dev/null
+++ b/prisma/migrations/20250102224852_hat_streak_credits/migration.sql
@@ -0,0 +1,6 @@
+DROP TRIGGER IF EXISTS user_streak ON users;
+CREATE TRIGGER user_streak
+    AFTER UPDATE ON users
+    FOR EACH ROW
+    WHEN (NEW.msats < OLD.msats OR NEW.mcredits < OLD.mcredits)
+    EXECUTE PROCEDURE user_streak_check();
\ No newline at end of file
diff --git a/prisma/migrations/20250103011357_fix_expireboost_keepuntil/migration.sql b/prisma/migrations/20250103011357_fix_expireboost_keepuntil/migration.sql
deleted file mode 100644
index a67aac420..000000000
--- a/prisma/migrations/20250103011357_fix_expireboost_keepuntil/migration.sql
+++ /dev/null
@@ -1,4 +0,0 @@
--- fix existing boost jobs
-UPDATE pgboss.job
-SET keepuntil = startafter + interval '10 days'
-WHERE name = 'expireBoost' AND state = 'created';
\ No newline at end of file
diff --git a/prisma/schema.prisma b/prisma/schema.prisma
index ea6490f27..dcdb3b938 100644
--- a/prisma/schema.prisma
+++ b/prisma/schema.prisma
@@ -39,6 +39,7 @@ model User {
   trust                     Float                @default(0)
   lastSeenAt                DateTime?
   stackedMsats              BigInt               @default(0)
+  stackedMcredits           BigInt               @default(0)
   noteAllDescendants        Boolean              @default(true)
   noteDeposits              Boolean              @default(true)
   noteWithdrawals           Boolean              @default(true)
@@ -119,6 +120,9 @@ model User {
   autoWithdrawMaxFeePercent Float?
   autoWithdrawThreshold     Int?
   autoWithdrawMaxFeeTotal   Int?
+  mcredits                  BigInt               @default(0)
+  receiveCreditsBelowSats   Int                  @default(10)
+  sendCreditsBelowSats      Int                  @default(10)
   muters                    Mute[]               @relation("muter")
   muteds                    Mute[]               @relation("muted")
   ArcOut                    Arc[]                @relation("fromUser")
@@ -140,8 +144,8 @@ model User {
   vaultKeyHash              String               @default("")
   walletsUpdatedAt          DateTime?
   vaultEntries              VaultEntry[]         @relation("VaultEntries")
-  proxyReceive              Boolean              @default(false)
-  directReceive             Boolean              @default(false)
+  proxyReceive              Boolean              @default(true)
+  directReceive             Boolean              @default(true)
   DirectPaymentReceived     DirectPayment[]      @relation("DirectPaymentReceived")
   DirectPaymentSent         DirectPayment[]      @relation("DirectPaymentSent")
 
@@ -520,10 +524,12 @@ model Item {
   pollCost            Int?
   paidImgLink         Boolean               @default(false)
   commentMsats        BigInt                @default(0)
+  commentMcredits     BigInt                @default(0)
   lastCommentAt       DateTime?
   lastZapAt           DateTime?
   ncomments           Int                   @default(0)
   msats               BigInt                @default(0)
+  mcredits            BigInt                @default(0)
   cost                Int                   @default(0)
   weightedDownVotes   Float                 @default(0)
   bio                 Boolean               @default(false)
diff --git a/wallets/README.md b/wallets/README.md
index 9ad23f8ab..41b0ab861 100644
--- a/wallets/README.md
+++ b/wallets/README.md
@@ -1,6 +1,6 @@
 # Wallets
 
-Every wallet that you can see at [/settings/wallets](https://stacker.news/settings/wallets) is implemented as a plugin in this directory.
+Every wallet that you can see at [/wallets](https://stacker.news/wallets) is implemented as a plugin in this directory.
 
 This README explains how you can add another wallet for use with Stacker News.
 
@@ -59,11 +59,11 @@ This is an optional value. Set this to true if your wallet needs to be configure
 
 - `fields: WalletField[]`
 
-Wallet fields define what this wallet requires for configuration and thus are used to construct the forms like the one you can see at [/settings/wallets/lnbits](https://stacker.news/settings/walletslnbits).
+Wallet fields define what this wallet requires for configuration and thus are used to construct the forms like the one you can see at [/wallets/lnbits](https://stacker.news/walletslnbits).
 
 - `card: WalletCard`
 
-Wallet cards are the components you can see at [/settings/wallets](https://stacker.news/settings/wallets). This property customizes this card for this wallet.
+Wallet cards are the components you can see at [/wallets](https://stacker.news/wallets). This property customizes this card for this wallet.
 
 - `validate: (config) => void`
 
diff --git a/wallets/config.js b/wallets/config.js
index cdc574240..25f1f2ba2 100644
--- a/wallets/config.js
+++ b/wallets/config.js
@@ -2,7 +2,7 @@ import { useMe } from '@/components/me'
 import useVault from '@/components/vault/use-vault'
 import { useCallback } from 'react'
 import { canReceive, canSend, getStorageKey, saveWalletLocally, siftConfig, upsertWalletVariables } from './common'
-import { useMutation } from '@apollo/client'
+import { gql, useMutation } from '@apollo/client'
 import { generateMutation } from './graphql'
 import { REMOVE_WALLET } from '@/fragments/wallet'
 import { useWalletLogger } from '@/wallets/logger'
@@ -18,6 +18,7 @@ export function useWalletConfigurator (wallet) {
   const logger = useWalletLogger(wallet)
   const [upsertWallet] = useMutation(generateMutation(wallet?.def))
   const [removeWallet] = useMutation(REMOVE_WALLET)
+  const [disableFreebies] = useMutation(gql`mutation { disableFreebies }`)
 
   const _saveToServer = useCallback(async (serverConfig, clientConfig, validateLightning) => {
     const variables = await upsertWalletVariables(
@@ -116,6 +117,7 @@ export function useWalletConfigurator (wallet) {
     }
 
     if (newCanSend) {
+      disableFreebies().catch(console.error)
       if (oldCanSend) {
         logger.ok('details for sending updated')
       } else {
@@ -130,7 +132,7 @@ export function useWalletConfigurator (wallet) {
       logger.info('details for sending deleted')
     }
   }, [isActive, wallet.def, wallet.config, _saveToServer, _saveToLocal, _validate,
-    _detachFromLocal, _detachFromServer])
+    _detachFromLocal, _detachFromServer, disableFreebies])
 
   const detach = useCallback(async () => {
     if (isActive) {
diff --git a/worker/search.js b/worker/search.js
index 2e7ed21a8..7e91c10f5 100644
--- a/worker/search.js
+++ b/worker/search.js
@@ -27,9 +27,11 @@ const ITEM_SEARCH_FIELDS = gql`
     remote
     upvotes
     sats
+    credits
     boost
     lastCommentAt
     commentSats
+    commentCredits
     path
     ncomments
   }`