`getBalances` failure handling can't distinguish unfunded account from network/malformed-key errors

[ndii-dev]

load() in app/tabs/home.tsx wraps getBalances() in a single catch producing one static message, but Horizon returns a distinct 404 for genuinely unfunded accounts versus network-level failures versus (if it ever got this far) a malformed public key — getAccount/getBalances in src/services/stellar.ts don't distinguish these either, they just let the SDK's error bubble. Users need materially different guidance for each ("fund this address to activate it" vs "check your connection" vs "this address is invalid").

Definition of done:

• stellar.ts distinguishes Horizon 404 (unfunded) from network errors from other HTTP errors, as typed results not thrown strings
• home.tsx renders distinct UI/copy per case
• Test coverage for at least the unfunded-account 404 path against a mocked Horizon response

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[Ayinkx]

Hi i would like to work on this issue please assign to me
I can do it perfectly

[grantfox-oss]

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