diff --git a/desktop/src/features/profile/lib/agentNetworkFlow.ts b/desktop/src/features/profile/lib/agentNetworkFlow.ts
index f9af995a220..90d44331089 100644
--- a/desktop/src/features/profile/lib/agentNetworkFlow.ts
+++ b/desktop/src/features/profile/lib/agentNetworkFlow.ts
@@ -8,15 +8,19 @@ import { formatUsdcBaseUnits } from "@/features/onboarding/toon/toonOnboardingFo
  * second "earnings" pot. #261 decision 4 modelled money as net flow for
  * exactly this reason — earning lands here without a UI rewrite.
  *
- * This module is deliberately decoupled from any live data source. The
- * connector claim-state read this feeds from (toon-client#494's
- * `getClaimState()`) is not yet vendored in this repo's pinned
- * `@toon-protocol/client` (0.25.1), and the Network spend block itself
- * (#80 — balance/allowance/refill, `onPaidWrite` live spend) has not
- * landed, so there is no per-agent channel read to attach a UI to yet.
- * These are the pure derivations #80 and the AgentIdentityCard earning
- * badge / low-funds alert can wire straight into once that read exists —
- * mirrors `paymentsOverview.ts`'s pure-derivation-first idiom.
+ * This module started deliberately decoupled from any live data source and
+ * stayed pure by design (mirrors `paymentsOverview.ts`'s
+ * pure-derivation-first idiom) — the connector claim-state read it feeds
+ * from (toon-client#494's `getClaimState()`) now IS live, wired through
+ * `ToonPaidWriter.getNetworkFlowStatus()` and `networkSpendState.ts`
+ * (buzz#80, buzz#108), for the identity this desktop process pays as. The
+ * `creditedBaseUnits` half of a `NetworkFlowRead` comes straight from that
+ * read; `incomeRateBaseUnitsPerSec`/`incomeSampleCount` remain unwired —
+ * no live event feed exists for inbound payments (only
+ * `networkSpendLiveStore.ts`'s outbound `onPaidWrite`) — so runway still
+ * degrades to burn-only until that lands. A per-agent read for any identity
+ * other than `isSelf` is still absent (buzz#79's ADR 0006 — no
+ * `toon-clientd` spawn/lifecycle for managed agents yet).
  *
  * Per the Gotchas, income here is never read from a self-reported
  * money-report event — only from `NetworkFlowRead`, the shape a connector
diff --git a/desktop/src/features/profile/lib/networkSpendState.test.mjs b/desktop/src/features/profile/lib/networkSpendState.test.mjs
index 327ef842602..5b2062d88c3 100644
--- a/desktop/src/features/profile/lib/networkSpendState.test.mjs
+++ b/desktop/src/features/profile/lib/networkSpendState.test.mjs
@@ -19,6 +19,7 @@ const RAW = {
   channelId: "channel-1",
   depositTotalBaseUnits: 10_000_000n,
   cumulativeClaimedBaseUnits: 4_000_000n,
+  creditedBaseUnits: 0n,
   source: "claim-state",
 };
 
@@ -82,6 +83,18 @@ test("a real read quotes the block and carries its source through", () => {
   assert.equal(canRefillNetworkSpend(state), true);
 });
 
+test("a credited amount on the claim-state read feeds straight into the quoted state (buzz#108)", () => {
+  const state = deriveNetworkSpendState({
+    isToon: true,
+    isSelf: true,
+    raw: { ...RAW, creditedBaseUnits: 2_000_000n },
+    live: NO_LIVE,
+  });
+  assert.equal(state.kind, "quoted");
+  if (state.kind !== "quoted") return;
+  assert.equal(state.read.creditedBaseUnits, 2_000_000n);
+});
+
 test("a claim-state failure degrades to the local source, still quoted, never blank", () => {
   const state = deriveNetworkSpendState({
     isToon: true,
diff --git a/desktop/src/features/profile/lib/networkSpendState.ts b/desktop/src/features/profile/lib/networkSpendState.ts
index 6095f0a719d..2e81e96d552 100644
--- a/desktop/src/features/profile/lib/networkSpendState.ts
+++ b/desktop/src/features/profile/lib/networkSpendState.ts
@@ -64,11 +64,14 @@ export function deriveNetworkSpendState(input: {
   const read: NetworkFlowRead = {
     depositBaseUnits: input.raw.depositTotalBaseUnits,
     owedBaseUnits: input.raw.cumulativeClaimedBaseUnits,
-    // No income source is wired here (#80's scope is spend, not earning) —
-    // buzz#86's agentNetworkFlow.ts already defaults an absent income to a
-    // plain burn-rate-driven runway, so this stays honest rather than
-    // fabricating a credited figure.
-    creditedBaseUnits: 0n,
+    // Fed straight from the same claim-state read as deposit/owed (buzz#108)
+    // — always 0n for `source: "local"`, since the locally-tracked watermark
+    // only knows this client's own spend, never a connector-applied credit.
+    // Income RATE (burnRate's earning-side counterpart) is a separate,
+    // still-unwired gap: no live event feed exists for inbound payments,
+    // only `networkSpendLiveStore.ts`'s outbound `onPaidWrite` — so runway
+    // still degrades to burn-only until that lands.
+    creditedBaseUnits: input.raw.creditedBaseUnits,
     burnRateBaseUnitsPerSec: input.live.burnRateBaseUnitsPerSec,
     incomeRateBaseUnitsPerSec: 0,
     incomeSampleCount: 0,
diff --git a/desktop/src/shared/api/toonPaidWriter.test.mjs b/desktop/src/shared/api/toonPaidWriter.test.mjs
index b689951223e..757f1e95db9 100644
--- a/desktop/src/shared/api/toonPaidWriter.test.mjs
+++ b/desktop/src/shared/api/toonPaidWriter.test.mjs
@@ -375,6 +375,31 @@ test("getNetworkFlowStatus prefers a verified claim-state read over the local wa
   assert.equal(status.source, "claim-state");
   assert.equal(status.depositTotalBaseUnits, 10_000_000n);
   assert.equal(status.cumulativeClaimedBaseUnits, 4_000_000n);
+  assert.equal(status.creditedBaseUnits, 0n);
+});
+
+test("getNetworkFlowStatus splits a negative claim-state watermark into a credited amount (buzz#108)", async () => {
+  // A watermark below zero is the connector's netted signal that this
+  // identity has been credited more than it has spent on this channel
+  // (@toon-protocol/client's "Earning" docs, toon-meta#262 decision 9).
+  const client = scriptedClient({
+    getClaimState: (channelIds) =>
+      Promise.resolve(
+        channelIds.map(() => ({
+          ok: true,
+          depositTotal: "10000000",
+          cumulativeClaimed: "-1500000",
+        })),
+      ),
+  });
+  const writer = writerOver(client);
+  await writer.publish(EVENT);
+
+  const status = await writer.getNetworkFlowStatus();
+  assert.equal(status.source, "claim-state");
+  assert.equal(status.depositTotalBaseUnits, 10_000_000n);
+  assert.equal(status.cumulativeClaimedBaseUnits, 0n);
+  assert.equal(status.creditedBaseUnits, 1_500_000n);
 });
 
 test("getNetworkFlowStatus falls back to the local watermark when the client has no getClaimState", async () => {
@@ -389,6 +414,7 @@ test("getNetworkFlowStatus falls back to the local watermark when the client has
   assert.equal(status.source, "local");
   assert.equal(status.depositTotalBaseUnits, 5_000_000n);
   assert.equal(status.cumulativeClaimedBaseUnits, 1_000_000n);
+  assert.equal(status.creditedBaseUnits, 0n);
 });
 
 test("getNetworkFlowStatus falls back to the local watermark when claim-state is unreachable", async () => {
diff --git a/desktop/src/shared/api/toonPaidWriter.ts b/desktop/src/shared/api/toonPaidWriter.ts
index 4657857cedc..455be545ef3 100644
--- a/desktop/src/shared/api/toonPaidWriter.ts
+++ b/desktop/src/shared/api/toonPaidWriter.ts
@@ -1,4 +1,5 @@
 import { bytesToHex, hexToBytes } from "@noble/hashes/utils.js";
+import type { ClaimStateResult } from "@toon-protocol/client";
 
 import {
   clearPersistedChannel,
@@ -43,14 +44,22 @@ export type PaidWriteListener = (receipt: PaidWriteReceipt) => void;
 
 /**
  * What {@link ToonPaidWriter.getNetworkFlowStatus} reads for one channel —
- * deposit and cumulative-claimed, tagged with where the read came from
- * (`"claim-state"` when the connector verified it, `"local"` for this
+ * deposit, cumulative-claimed, and credited, tagged with where the read came
+ * from (`"claim-state"` when the connector verified it, `"local"` for this
  * client's own tracked watermark).
  */
 export type RawNetworkFlowStatus = {
   channelId: string;
   depositTotalBaseUnits: bigint;
   cumulativeClaimedBaseUnits: bigint;
+  /**
+   * Earned credit netted into this SAME channel's claim watermark — never a
+   * separate ledger (`@toon-protocol/client`'s "Earning" docs, toon-meta#262
+   * decision 9). Always `0n` for `source: "local"`: this client's own
+   * tracked watermark only knows what IT spent, not a credit the connector
+   * applied — see {@link ToonPaidWriter.tryClaimState}.
+   */
+  creditedBaseUnits: bigint;
   source: "claim-state" | "local";
 };
 
@@ -101,25 +110,6 @@ export class ToonPaidWriteError extends Error {
   }
 }
 
-/**
- * The one shape `getNetworkFlowStatus` reads off a connector claim-state
- * answer, as `ToonClient.getClaimState` (toon-client#494) returns it — hand-
- * rolled rather than imported from `@toon-protocol/client`'s own
- * `ClaimStateResult` type, same reason every other `PaidClient` method
- * below is a hand-written subset: `getClaimState` ships in
- * `@toon-protocol/client@0.26.0`, and buzz is still pinned to `^0.25.1`
- * (toon-client#494 is not vendored yet — see `getNetworkFlowStatus`'s doc).
- * Only the fields this module reads are named.
- */
-type ClaimStateReadResult =
-  | {
-      ok: true;
-      /** `null` for a channel the connector only declared, never funded. */
-      depositTotal: string | null;
-      cumulativeClaimed: string;
-    }
-  | { ok: false };
-
 /**
  * A signed balance proof, as `ToonClient.signBalanceProof` returns it —
  * carried through to `publishEvent`'s `claim` option unmodified. Only the
@@ -231,19 +221,19 @@ type PaidClient = {
   getSettleableAt(channelId: string): bigint | undefined;
   /**
    * Connector-verified deposit/cumulative-claimed for tracked channels
-   * (toon-client#494) — the runway source of truth (toon-meta#261 decision
-   * 5), correct even when this client's own local watermark has drifted.
-   * Optional: buzz's pinned `@toon-protocol/client@^0.25.1` predates
-   * toon-client#494 (it lands in 0.26.0), so no real client build supplies
-   * this yet — callers fall back to the locally-tracked
-   * `getChannelDepositTotal`/`getChannelCumulativeAmount` until the pin
-   * bumps. Kept on the interface (and wired below) so that bump is the only
-   * remaining step once it's unblocked; see `getNetworkFlowStatus`.
+   * (toon-client#494, live since `@toon-protocol/client@0.26.0`) — the
+   * runway source of truth (toon-meta#261 decision 5), correct even when
+   * this client's own local watermark has drifted. Optional rather than
+   * required only so `scriptedClient()` test doubles that omit it still
+   * satisfy this interface — every real build supplies it; a real client
+   * that ever didn't (or an unreachable connector) falls back to the
+   * locally-tracked `getChannelDepositTotal`/`getChannelCumulativeAmount`,
+   * see `getNetworkFlowStatus`.
    */
   getClaimState?(
     channelIds?: string[],
     opts?: { expiresInSeconds?: number },
-  ): Promise<ClaimStateReadResult[]>;
+  ): Promise<ClaimStateResult[]>;
   /** Add collateral to an open channel. `amount` is the delta, base units. */
   depositToChannel(
     channelId: string,
@@ -712,6 +702,7 @@ export class ToonPaidWriter {
       source: "local",
       depositTotalBaseUnits: client.getChannelDepositTotal(channelId),
       cumulativeClaimedBaseUnits: client.getChannelCumulativeAmount(channelId),
+      creditedBaseUnits: 0n,
     };
   }
 
@@ -721,6 +712,15 @@ export class ToonPaidWriter {
    * connector, or a challenge the connector could not verify) reads as "no
    * verified answer", which {@link getNetworkFlowStatus} treats as a signal
    * to fall back to the local read, not as an error to surface.
+   *
+   * `cumulativeClaimed` is the connector's NETTED watermark for this one
+   * channel (`@toon-protocol/client`'s "Earning" docs — earnings net
+   * off-chain on the same channel a client spends from, there is no
+   * separate earned ledger), so it can read below zero once this identity
+   * has been credited more than it has spent. Split that signed watermark
+   * into the two non-negative buckets {@link RawNetworkFlowStatus} carries
+   * (`spendable = deposit − owed + credited`, toon-meta#262 decision 9)
+   * rather than handing callers a watermark they'd each have to re-interpret.
    */
   private async tryClaimState(
     client: PaidClient,
@@ -728,14 +728,18 @@ export class ToonPaidWriter {
   ): Promise<{
     depositTotalBaseUnits: bigint;
     cumulativeClaimedBaseUnits: bigint;
+    creditedBaseUnits: bigint;
   } | null> {
     if (!client.getClaimState) return null;
     try {
       const [result] = await client.getClaimState([channelId]);
       if (!result?.ok || result.depositTotal === null) return null;
+      const cumulativeClaimed = BigInt(result.cumulativeClaimed);
       return {
         depositTotalBaseUnits: BigInt(result.depositTotal),
-        cumulativeClaimedBaseUnits: BigInt(result.cumulativeClaimed),
+        cumulativeClaimedBaseUnits:
+          cumulativeClaimed > 0n ? cumulativeClaimed : 0n,
+        creditedBaseUnits: cumulativeClaimed < 0n ? -cumulativeClaimed : 0n,
       };
     } catch (error) {
       console.warn(