diff --git a/FlipcashAPI/Package.swift b/FlipcashAPI/Package.swift
index 2c3f49092..ad6b01c4b 100644
--- a/FlipcashAPI/Package.swift
+++ b/FlipcashAPI/Package.swift
@@ -55,7 +55,7 @@ enum ContractPackage: String, CaseIterable {
     /// The pinned version consumed when this package isn't building against a local checkout.
     var version: Version {
         switch self {
-        case .ocp: return "0.3.0"
+        case .ocp: return "0.4.0"
         case .flipcash2: return "0.6.0"
         }
     }
diff --git a/FlipcashCore/Sources/FlipcashCore/Clients/Payments API/Services/BalanceService.swift b/FlipcashCore/Sources/FlipcashCore/Clients/Payments API/Services/BalanceService.swift
index 1338f7c07..35ebb6247 100644
--- a/FlipcashCore/Sources/FlipcashCore/Clients/Payments API/Services/BalanceService.swift	
+++ b/FlipcashCore/Sources/FlipcashCore/Clients/Payments API/Services/BalanceService.swift	
@@ -17,27 +17,38 @@ final class BalanceService: Sendable {
         self.service = Ocp_Balance_V1_Balance.Client(wrapping: client)
     }
 
-    /// Fetches the core-mint balance for any owner account. Unlike every other
-    /// Payments API request, `GetBalanceRequest` carries no auth/signature field —
-    /// the server allows reading balance for any owner, not just the caller's own,
-    /// so this takes a bare `PublicKey` rather than a signing `KeyPair`.
+    /// Fetches the core-mint balance for a single owner account. Unlike every
+    /// other Payments API request, `GetBalancesRequest` carries no auth/signature
+    /// field — the server allows reading balance for any owner, not just the
+    /// caller's own, so this takes a bare `PublicKey` rather than a signing
+    /// `KeyPair`.
+    ///
+    /// The underlying RPC is batched — `GetBalances` takes a list of owners and
+    /// an optional mint filter, returning an owner → mint → value map — but
+    /// nothing in the app currently needs more than one owner's balance at a
+    /// time, so this wrapper stays single-owner-shaped and reads the one entry
+    /// it asked for back out of the map.
     func getBalance(owner: PublicKey, completion: @Sendable @escaping (Result<TokenAmount, ErrorGetBalance>) -> Void) {
         logger.info("Fetching balance")
 
-        let request = Ocp_Balance_V1_GetBalanceRequest.with {
-            $0.owner = owner.solanaAccountID
+        let request = Ocp_Balance_V1_GetBalancesRequest.with {
+            $0.owners = [owner.solanaAccountID]
         }
 
         Task {
             do {
-                let response = try await service.getBalance(request, options: .unaryDefault)
+                let response = try await service.getBalances(request, options: .unaryDefault)
                 let error = ErrorGetBalance(rawValue: response.result.rawValue) ?? .unknown
                 guard error == .ok else {
                     logger.error("Failed to fetch balance", metadata: ["error": "\(error)"])
                     await MainActor.run { completion(.failure(error)) }
                     return
                 }
-                let balance = TokenAmount(quarks: response.coreMintValue, mint: .usdf)
+                // An owner absent from the map simply has no balances — that's
+                // zero, not an error. (The old response's NOT_FOUND result case
+                // is gone; this replaces it.)
+                let quarks = response.balancesByOwner[owner.base58]?.coreMintValue ?? 0
+                let balance = TokenAmount(quarks: quarks, mint: .usdf)
                 await MainActor.run { completion(.success(balance)) }
             } catch let error as RPCError {
                 await MainActor.run { completion(.failure(.from(transportError: error))) }
@@ -53,7 +64,6 @@ final class BalanceService: Sendable {
 public enum ErrorGetBalance: Int, Error, Equatable, Sendable {
     case ok
     case denied
-    case notFound
     case unknown          = -1
     case transportFailure = -2
     case cancelled        = -3
@@ -65,7 +75,7 @@ extension ErrorGetBalance: ServerError, TransportClassifiableError {
         switch self {
         case .ok, .transportFailure: .suppressed
         case .cancelled: .info
-        case .denied, .notFound: .info
+        case .denied: .info
         case .unknown, .rejected: .error
         }
     }