diff --git a/.changeset/fair-decimals-hammer.md b/.changeset/fair-decimals-hammer.md
new file mode 100644
index 0000000..d208e9c
--- /dev/null
+++ b/.changeset/fair-decimals-hammer.md
@@ -0,0 +1,7 @@
+---
+'@inflowpayai/x402': patch
+'@inflowpayai/x402-buyer': patch
+---
+
+Add `normalizeDecimalString` and apply it to buyer ledger balances (`getBalances`), collapsing padded decimal strings
+like `0.010000000000000000` to `0.01` for display. Facilitator settle responses are left untouched.
diff --git a/packages/x402-buyer/src/signer.ts b/packages/x402-buyer/src/signer.ts
index 3da65af..1d79be9 100644
--- a/packages/x402-buyer/src/signer.ts
+++ b/packages/x402-buyer/src/signer.ts
@@ -1,4 +1,4 @@
-import { InflowApiError, InflowHttpClient } from '@inflowpayai/x402';
+import { InflowApiError, InflowHttpClient, normalizeDecimalString } from '@inflowpayai/x402';
 import type {
   InflowPaymentPayload,
   PaymentRequirements,
@@ -114,7 +114,7 @@ export async function createInflowSigner(options: SignerOptions): Promise<Inflow
     const out: BuyerLedgerBalance[] = [];
     for (const b of list) {
       if (typeof b.currency === 'string' && typeof b.available === 'string') {
-        out.push({ currency: b.currency, available: b.available });
+        out.push({ currency: b.currency, available: normalizeDecimalString(b.available) });
       }
     }
     return out;
diff --git a/packages/x402-buyer/test/unit/inflow-client.test.ts b/packages/x402-buyer/test/unit/inflow-client.test.ts
index f51aea7..d55fc7a 100644
--- a/packages/x402-buyer/test/unit/inflow-client.test.ts
+++ b/packages/x402-buyer/test/unit/inflow-client.test.ts
@@ -11,6 +11,7 @@ import { InflowApiError } from '@inflowpayai/x402';
 
 import { X402AdapterRoutingError, X402ApprovalFailedError } from '../../src/errors.js';
 import { createInflowClient, InflowClient } from '../../src/inflow-client.js';
+import { createInflowSigner } from '../../src/signer.js';
 
 const PROD_BASE = 'https://api.inflowpay.ai';
 const server = setupServer();
@@ -589,3 +590,26 @@ describe('InflowClient.cancelApproval', () => {
     await expect(client.cancelApproval('apr_auth')).rejects.toThrow('auth-fail');
   });
 });
+
+describe('createInflowSigner.getBalances', () => {
+  it('normalizes ledger balance decimal strings, dropping trailing zeros', async () => {
+    installSupported();
+    server.use(
+      http.get(`${PROD_BASE}/v1/balances`, () =>
+        HttpResponse.json({
+          balances: [
+            { currency: 'USDC', available: '0.010000000000000000' },
+            { currency: 'PYUSD', available: '89.197620000000000000' },
+            { currency: 'USDT', available: '0.000000000000000000' },
+          ],
+        }),
+      ),
+    );
+    const signer = await createInflowSigner({ apiKey: 'sk_test' });
+    expect(await signer.getBalances()).toEqual([
+      { currency: 'USDC', available: '0.01' },
+      { currency: 'PYUSD', available: '89.19762' },
+      { currency: 'USDT', available: '0' },
+    ]);
+  });
+});
diff --git a/packages/x402/src/decimal.ts b/packages/x402/src/decimal.ts
new file mode 100644
index 0000000..aff4b53
--- /dev/null
+++ b/packages/x402/src/decimal.ts
@@ -0,0 +1,25 @@
+const PLAIN_DECIMAL_RE = /^-?\d+(?:\.\d+)?$/u;
+
+/**
+ * Collapse a plain decimal string to its shortest exact form by stripping insignificant leading integer zeros and
+ * trailing fractional zeros. Non-plain forms (exponential notation, thousands separators, empty) are returned
+ * unchanged.
+ */
+export function normalizeDecimalString(value: string): string {
+  if (!PLAIN_DECIMAL_RE.test(value)) return value;
+
+  const negative = value.startsWith('-');
+  const unsigned = negative ? value.slice(1) : value;
+  const [rawInteger = '0', rawFraction] = unsigned.split('.');
+  const integer = stripLeadingZeros(rawInteger);
+  const fraction = rawFraction?.replace(/0+$/u, '') ?? '';
+
+  if (integer === '0' && fraction.length === 0) return '0';
+  const sign = negative ? '-' : '';
+  return fraction.length === 0 ? `${sign}${integer}` : `${sign}${integer}.${fraction}`;
+}
+
+function stripLeadingZeros(value: string): string {
+  const stripped = value.replace(/^0+/u, '');
+  return stripped.length === 0 ? '0' : stripped;
+}
diff --git a/packages/x402/src/index.ts b/packages/x402/src/index.ts
index ce4c20f..397b3a7 100644
--- a/packages/x402/src/index.ts
+++ b/packages/x402/src/index.ts
@@ -15,6 +15,8 @@ export type { HeaderBag } from './constants.js';
 export { resolveBaseUrl } from './environment.js';
 export type { Environment, ResolveBaseUrlOptions } from './environment.js';
 
+export { normalizeDecimalString } from './decimal.js';
+
 export { InflowApiError, X402VersionMismatchError } from './errors.js';
 export type { InflowApiErrorInit } from './errors.js';
 
diff --git a/packages/x402/test/unit/decimal.test.ts b/packages/x402/test/unit/decimal.test.ts
new file mode 100644
index 0000000..567be36
--- /dev/null
+++ b/packages/x402/test/unit/decimal.test.ts
@@ -0,0 +1,28 @@
+import { describe, expect, it } from 'vitest';
+
+import { normalizeDecimalString } from '../../src/decimal.js';
+
+describe('normalizeDecimalString', () => {
+  it('strips trailing fractional zeros without using exponential notation', () => {
+    expect(normalizeDecimalString('100.500000000000000000')).toBe('100.5');
+    expect(normalizeDecimalString('0.010000000000000000')).toBe('0.01');
+    expect(normalizeDecimalString('0.000001000000000000')).toBe('0.000001');
+  });
+
+  it('collapses integer-valued decimals and negative zero', () => {
+    expect(normalizeDecimalString('00042')).toBe('42');
+    expect(normalizeDecimalString('42.000')).toBe('42');
+    expect(normalizeDecimalString('00042.000')).toBe('42');
+    expect(normalizeDecimalString('-0.000')).toBe('0');
+  });
+
+  it('preserves the sign on non-zero negative decimals', () => {
+    expect(normalizeDecimalString('-0012.3400')).toBe('-12.34');
+  });
+
+  it('leaves non-plain decimal strings untouched', () => {
+    expect(normalizeDecimalString('1e-6')).toBe('1e-6');
+    expect(normalizeDecimalString('1,000.00')).toBe('1,000.00');
+    expect(normalizeDecimalString('')).toBe('');
+  });
+});