cowboy credits (aka nov-5 (aka jan-3)) (#1678)

* wip adding cowboy credits * invite gift paid action * remove balance limit * remove p2p zap withdrawal notifications * credits typedefs * squash migrations * remove wallet limit stuff * CCs in item detail * comments with meCredits * begin including CCs in item stats/notifications * buy credits ui/mutation * fix old /settings/wallets paths * bios don't get sats * fix settings * make invites work with credits * restore migration from master * inform backend of send wallets on zap * satistics header * default receive options to true and squash migrations * fix paidAction query * add nav for credits * fix forever stacked count * ek suggested fixes * fix lint * fix freebies wrt CCs * add back disable freebies * trigger cowboy hat job on CC depletion * fix meMsats+meMcredits * Update api/paidAction/README.md Co-authored-by: ekzyis <ek@stacker.news> * remove expireBoost migration that doesn't work --------- Co-authored-by: ekzyis <ek@stacker.news>
2025-01-03 10:33:07 -06:00 · 2025-01-03 10:33:07 -06:00 · 146b60278c
parent 47debbcb06
commit 146b60278c
57 changed files with 661 additions and 369 deletions
--- 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).
--- 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
 ]

--- a/api/paidAction/buyCredits.js
+++ 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'
+}
--- 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
 ]

--- 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
 ]

--- 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
--- 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,
--- 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)
 }
--- 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
 ]

--- 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))
-      }`
-    )
-  }
-}
--- 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
 ]

--- 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
      }
    }
--- 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
 ]

--- 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
 ]

--- 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
 ]

--- 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
 ]

--- 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" + ${invoice?.invoiceForward ? 0n : msats}::BIGINT
      FROM zapped
      WHERE "Item".path @> zapped.path AND "Item".id <> zapped.id`
 }
--- a/api/resolvers/invite.js
+++ b/api/resolvers/invite.js
@ -83,7 +83,7 @@ export default {
    },
    poor: async (invite, args, { me, models }) => {
      const user = await models.user.findUnique({ where: { id: invite.userId } })
-      return msatsToSats(user.msats) < invite.gift
+      return msatsToSats(user.msats) < invite.gift && msatsToSats(user.mcredits) < invite.gift
    },
    description: (invite, args, { me }) => {
      return invite.userId === me?.id ? invite.description : undefined
--- a/api/resolvers/item.js
+++ b/api/resolvers/item.js
@ -150,6 +150,7 @@ export async function itemQueryWithMeta ({ me, models, query, orderBy = '' }, ..
    return await models.$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') {
--- 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})`
--- 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')
  }
--- 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)
--- 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)
--- 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!
--- 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!
+}
 `
--- 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 {
--- 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
--- 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'>
--- 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,
--- 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 {
--- 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>
--- 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>
--- 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>
--- 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} />
    </>
--- 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} /></>
--- 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
--- 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
--- 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
--- 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}
--- 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
    }
  }`

--- 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,
--- 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)
 })
--- a/pages/credits.js
+++ 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>
+    </>
+  )
+}
--- 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>
    )
  }
--- 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>
--- 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
--- a/pages/settings/wallets/[wallet].js
+++ b/pages/settings/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?.()
--- a/pages/settings/wallets/index.js
+++ b/pages/settings/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>
--- a/pages/wallets/logs.js
+++ b/pages/wallets/logs.js
--- a/pages/wallet/index.js
+++ b/pages/wallet/index.js
@ -1,198 +1,68 @@
-import { useRouter } from 'next/router'
-import { Checkbox, Form, Input, InputUserSuggest, SubmitButton } from '@/components/form'
-import Link from 'next/link'
-import Button from 'react-bootstrap/Button'
-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 { CenterLayout } from '@/components/layout'
+import Link from 'next/link'
+import { useRouter } from 'next/router'
+import { InputGroup, Nav } from 'react-bootstrap'
 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 { gql, useMutation, useQuery } from '@apollo/client'
+import { CREATE_WITHDRAWL, SEND_TO_LNADDR } from '@/fragments/wallet'
+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>
-    )
-  }
+export default function Withdraw () {
+  return (
+    <CenterLayout>
+      <WithdrawForm />
+    </CenterLayout>
+  )
 }

-function YouHaveSats () {
+function WithdrawForm () {
+  const router = useRouter()
  const { me } = useMe()
-  const limitReached = me?.privates?.sats >= msatsToSats(BALANCE_LIMIT_MSATS)
-  return (
-    <h2 className={`${me ? 'visible' : 'invisible'} ${limitReached ? 'text-warning' : 'text-success'}`}>
-      you have{' '}
-      <span className='text-monospace'>{me && (
-        me.privates?.hideWalletBalance
-          ? <HiddenWalletSummary />
-          : numWithUnits(me.privates?.sats, { abbreviate: false, format: true })
-      )}
-      </span>
-    </h2>
-  )
-}
-
-function WalletHistory () {
-  return (
-    <div className='d-flex flex-column text-center'>
-      <div>
-        <Link href='/satistics?inc=invoice,withdrawal' className='text-muted fw-bold text-underline'>
-          wallet history
-        </Link>
-      </div>
-    </div>
-  )
-}
-
-export function WalletForm () {
-  return (
-    <div className='align-items-center text-center pt-5 pb-4'>
-      <Link href='/wallet?type=fund'>
-        <Button variant='success'>fund</Button>
-      </Link>
-      <span className='mx-3 fw-bold text-muted'>or</span>
-      <Link href='/wallet?type=withdraw'>
-        <Button variant='success'>withdraw</Button>
-      </Link>
-      <div className='mt-5'>
-        <Link href='/settings/wallets'>
-          <Button variant='info'>attach wallets <Plug className='fill-white ms-1' width={16} height={16} /></Button>
-        </Link>
-      </div>
-    </div>
-  )
-}
-
-export function FundForm () {
-  const { me } = useMe()
-  const [showAlert, setShowAlert] = useState(true)
-  const router = useRouter()
-  const [createInvoice, { called, error }] = useMutation(gql`
-    mutation createInvoice($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 () {
-  const router = useRouter()

  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>
    </>
  )
--- a/prisma/migrations/20241203195142_fee_credits/migration.sql
+++ 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
+$$;
--- a/prisma/migrations/20250102224852_hat_streak_credits/migration.sql
+++ 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();
--- a/prisma/migrations/20250103011357_fix_expireboost_keepuntil/migration.sql
+++ b/prisma/migrations/20250103011357_fix_expireboost_keepuntil/migration.sql
@ -1,4 +0,0 @@
-- fix existing boost jobs
-UPDATE pgboss.job
-SET keepuntil = startafter + interval '10 days'
-WHERE name = 'expireBoost' AND state = 'created';
--- 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)
--- 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`

--- 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) {
--- 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
  }`