diff --git a/PROJECT_STATE.md b/PROJECT_STATE.md
index 9f71450..08cffe9 100644
--- a/PROJECT_STATE.md
+++ b/PROJECT_STATE.md
@@ -1,3 +1,26 @@
+# PROJECT_STATE - OTB Billing
+
+## v1.3.0 - 2026-05-17
+
+Current state:
+- OTB Billing health page is working at /health.
+- /health.json is working.
+- Health page now includes:
+  - Operations Bal card for 0x44f6c44C42e6ae0392E7289F032384C0d37F56D5
+  - Treasury Bal card for 0xbe1fdc8c69f712d62cfcd3bf23f636de1dbd213f
+- Both cards report payment-asset balances for USDC, ETH, ETHO, EGAZ, and ETI.
+- Existing wallet_balances JSON key remains as a backward-compatible alias for operations_balances.
+- Service name: otb_billing.service
+- Runtime host: outsidethedb
+- App port: 5050
+- Project path: /home/def/otb_billing
+
+Recent verification:
+- /health renders the new Operations Bal and Treasury Bal cards.
+- ETHO, EGAZ, and ETI balances resolve through existing project RPCs.
+- Arbitrum USDC and Ethereum ETH rows now use fallback-capable RPC helpers.
+- OTB Operations wallet alias has been added in both Etica and ETHO Blockscout explorers.
+
 ## v0.6.2 - Service Templates Stabilization
 
 - Verified template CRUD working
diff --git a/README.md b/README.md
index 488e717..d38bfe1 100644
--- a/README.md
+++ b/README.md
@@ -1,3 +1,25 @@
+# OTB Billing - v1.3.0
+
+Build date: 2026-05-17
+
+## v1.3.0 changes
+
+- Added health-page wallet balance cards for the OTB Operations wallet and OTB Treasury wallet.
+- Renamed the original wallet card to "Operations Bal".
+- Added matching "Treasury Bal" card.
+- Balance cards show the configured payment assets:
+  - USDC on Arbitrum
+  - ETH on Ethereum
+  - ETHO on Etho Protocol
+  - EGAZ on Etica
+  - ETI on Etica
+- Added the same balance data to /health.json using:
+  - operations_balances
+  - treasury_balances
+  - wallet_balances retained as backward-compatible alias for operations_balances.
+- Added RPC fallback handling for public Arbitrum/Ethereum RPCs so health checks are less likely to fail on single-provider HTTP 403 responses.
+- Confirmed explorer aliases for the OTB Operations wallet on Etica and ETHO Blockscout explorers.
+
 ## v1.2.0 (2026-05-03)
 - Platform-level Service Agreement
 - Improved privacy and data messaging
diff --git a/VERSION b/VERSION
index 79127d8..18fa8e7 100644
--- a/VERSION
+++ b/VERSION
@@ -1 +1 @@
-v1.2.0
+v1.3.0
diff --git a/backend/health.py b/backend/health.py
index 7b1ee41..e39a93c 100644
--- a/backend/health.py
+++ b/backend/health.py
@@ -125,13 +125,245 @@ def _health_payload(app):
     return payload, http_code
 
 
+
+
+def _wallet_balance_format(raw_value, decimals):
+    try:
+        from decimal import Decimal, getcontext
+        getcontext().prec = 60
+        value = Decimal(int(raw_value)) / (Decimal(10) ** int(decimals))
+        fixed = f"{value:.8f}".rstrip("0").rstrip(".")
+        return fixed if fixed else "0"
+    except Exception:
+        return "error"
+
+
+def _split_rpc_urls(value, defaults):
+    urls = []
+
+    if value:
+        for item in str(value).replace(",", " ").split():
+            item = item.strip()
+            if item:
+                urls.append(item)
+
+    for item in defaults:
+        if item and item not in urls:
+            urls.append(item)
+
+    return urls
+
+
+def _wallet_rpc_call_one(rpc_url, method, params, timeout=5):
+    import json
+    import urllib.request
+
+    payload = json.dumps({
+        "jsonrpc": "2.0",
+        "id": 1,
+        "method": method,
+        "params": params,
+    }).encode("utf-8")
+
+    req = urllib.request.Request(
+        rpc_url,
+        data=payload,
+        headers={
+            "Content-Type": "application/json",
+            "Accept": "application/json",
+            "User-Agent": "OTB-Billing-Health/1.0",
+        },
+        method="POST",
+    )
+
+    with urllib.request.urlopen(req, timeout=timeout) as resp:
+        data = json.loads(resp.read().decode("utf-8"))
+
+    if data.get("error"):
+        raise RuntimeError(str(data["error"]))
+
+    return data.get("result")
+
+
+def _wallet_rpc_call(rpc_urls, method, params, timeout=5):
+    last_error = None
+
+    if isinstance(rpc_urls, str):
+        rpc_urls = [rpc_urls]
+
+    for rpc_url in rpc_urls:
+        try:
+            return _wallet_rpc_call_one(rpc_url, method, params, timeout=timeout)
+        except Exception as exc:
+            last_error = f"{rpc_url}: {exc}"
+
+    raise RuntimeError(last_error or "No RPC URLs available")
+
+
+def _wallet_native_balance(rpc_urls, wallet_address, decimals=18):
+    result = _wallet_rpc_call(rpc_urls, "eth_getBalance", [wallet_address, "latest"])
+    return _wallet_balance_format(int(result or "0x0", 16), decimals)
+
+
+def _wallet_erc20_balance(rpc_urls, token_contract, wallet_address, decimals):
+    # ERC20 balanceOf(address) selector: 0x70a08231
+    clean_addr = wallet_address.lower().replace("0x", "").rjust(64, "0")
+    data = "0x70a08231" + clean_addr
+    result = _wallet_rpc_call(
+        rpc_urls,
+        "eth_call",
+        [{"to": token_contract, "data": data}, "latest"],
+    )
+    return _wallet_balance_format(int(result or "0x0", 16), decimals)
+
+
+def _wallet_balances(wallet_address=None, label=None):
+    import os
+
+    wallet = wallet_address or os.environ.get(
+        "OTB_OPERATIONS_WALLET",
+        "0x44f6c44C42e6ae0392E7289F032384C0d37F56D5",
+    )
+
+    arbitrum_rpcs = _split_rpc_urls(
+        os.environ.get("RPC_ARBITRUM_URLS") or os.environ.get("RPC_ARBITRUM_URL"),
+        [
+            "https://arb1.arbitrum.io/rpc",
+            "https://arbitrum-one-rpc.publicnode.com",
+            "https://arbitrum.drpc.org",
+        ],
+    )
+
+    ethereum_rpcs = _split_rpc_urls(
+        os.environ.get("RPC_ETHEREUM_URLS") or os.environ.get("RPC_ETHEREUM_URL"),
+        [
+            "https://ethereum-rpc.publicnode.com",
+            "https://cloudflare-eth.com",
+            "https://eth.llamarpc.com",
+        ],
+    )
+
+    etho_rpcs = _split_rpc_urls(
+        os.environ.get("RPC_ETHO_URLS") or os.environ.get("RPC_ETHO_URL"),
+        [
+            "https://rpc.ethoprotocol.com",
+            "https://rpc4.ethoprotocol.com",
+        ],
+    )
+
+    etica_rpcs = _split_rpc_urls(
+        os.environ.get("RPC_ETICA_URLS") or os.environ.get("RPC_ETICA_URL"),
+        [
+            "https://rpc.etica-stats.org",
+            "https://eticamainnet.eticaprotocol.org",
+        ],
+    )
+
+    assets = [
+        {
+            "coin": "USDC",
+            "chain": "Arbitrum",
+            "kind": "erc20",
+            "decimals": 6,
+            "rpc": arbitrum_rpcs,
+            "token": "0xaf88d065e77c8cC2239327C5EDb3A432268e5831",
+        },
+        {
+            "coin": "ETH",
+            "chain": "Ethereum",
+            "kind": "native",
+            "decimals": 18,
+            "rpc": ethereum_rpcs,
+        },
+        {
+            "coin": "ETHO",
+            "chain": "Etho",
+            "kind": "native",
+            "decimals": 18,
+            "rpc": etho_rpcs,
+        },
+        {
+            "coin": "EGAZ",
+            "chain": "Etica",
+            "kind": "native",
+            "decimals": 18,
+            "rpc": etica_rpcs,
+        },
+        {
+            "coin": "ETI",
+            "chain": "Etica",
+            "kind": "erc20",
+            "decimals": 18,
+            "rpc": etica_rpcs,
+            "token": "0x34c61EA91bAcdA647269d4e310A86b875c09946f",
+        },
+    ]
+
+    rows = []
+    for asset in assets:
+        row = {
+            "coin": asset["coin"],
+            "chain": asset["chain"],
+            "balance": "error",
+            "ok": False,
+            "error": None,
+        }
+
+        try:
+            if asset["kind"] == "native":
+                row["balance"] = _wallet_native_balance(
+                    asset["rpc"],
+                    wallet,
+                    asset["decimals"],
+                )
+            else:
+                row["balance"] = _wallet_erc20_balance(
+                    asset["rpc"],
+                    asset["token"],
+                    wallet,
+                    asset["decimals"],
+                )
+            row["ok"] = True
+        except Exception as exc:
+            row["error"] = str(exc)[:220]
+
+        rows.append(row)
+
+    return {
+        "label": label,
+        "wallet": wallet,
+        "assets": rows,
+    }
+
+
+
 def register_health_routes(app):
     @app.route("/health", methods=["GET"])
     def health_page():
         health, http_code = _health_payload(app)
+        health["operations_balances"] = _wallet_balances(
+            os.environ.get("OTB_OPERATIONS_WALLET", "0x44f6c44C42e6ae0392E7289F032384C0d37F56D5"),
+            "Operations Bal",
+        )
+        health["treasury_balances"] = _wallet_balances(
+            os.environ.get("OTB_TREASURY_WALLET", "0xbe1fdc8c69f712d62cfcd3bf23f636de1dbd213f"),
+            "Treasury Bal",
+        )
+        # Backward compatible JSON key for anything already reading health.json.
+        health["wallet_balances"] = health["operations_balances"]
         return render_template("health.html", health=health), http_code
 
     @app.route("/health.json", methods=["GET"])
     def health_json():
         health, http_code = _health_payload(app)
+        health["operations_balances"] = _wallet_balances(
+            os.environ.get("OTB_OPERATIONS_WALLET", "0x44f6c44C42e6ae0392E7289F032384C0d37F56D5"),
+            "Operations Bal",
+        )
+        health["treasury_balances"] = _wallet_balances(
+            os.environ.get("OTB_TREASURY_WALLET", "0xbe1fdc8c69f712d62cfcd3bf23f636de1dbd213f"),
+            "Treasury Bal",
+        )
+        # Backward compatible JSON key for anything already reading health.json.
+        health["wallet_balances"] = health["operations_balances"]
         return jsonify(health), http_code
diff --git a/templates/health.html b/templates/health.html
index 197cc40..dd525fe 100644
--- a/templates/health.html
+++ b/templates/health.html
@@ -132,6 +132,44 @@
             <p><strong>Free:</strong> {{ health.disk_root.free_gb }} GB</p>
             <p><strong>Used %:</strong> {{ health.disk_root.used_percent }}%</p>
         </div>
+
+        <div class="health-card">
+            <h3>Operations Bal</h3>
+            {% if health.operations_balances %}
+                {% for asset in health.operations_balances.assets %}
+                    <p>
+                        <strong>{{ asset.coin }}:</strong>
+                        {% if asset.ok %}
+                            {{ asset.balance }}
+                        {% else %}
+                            error
+                        {% endif %}
+                    </p>
+                {% endfor %}
+                <p class="monoish"><strong>Wallet:</strong> {{ health.operations_balances.wallet }}</p>
+            {% else %}
+                <p>Not available</p>
+            {% endif %}
+        </div>
+
+        <div class="health-card">
+            <h3>Treasury Bal</h3>
+            {% if health.treasury_balances %}
+                {% for asset in health.treasury_balances.assets %}
+                    <p>
+                        <strong>{{ asset.coin }}:</strong>
+                        {% if asset.ok %}
+                            {{ asset.balance }}
+                        {% else %}
+                            error
+                        {% endif %}
+                    </p>
+                {% endfor %}
+                <p class="monoish"><strong>Wallet:</strong> {{ health.treasury_balances.wallet }}</p>
+            {% else %}
+                <p>Not available</p>
+            {% endif %}
+        </div>
     </div>
 </div>