diff --git a/packages/tracker/meshnet_tracker/billing.py b/packages/tracker/meshnet_tracker/billing.py
index 0a87865..d3e9442 100644
--- a/packages/tracker/meshnet_tracker/billing.py
+++ b/packages/tracker/meshnet_tracker/billing.py
@@ -453,13 +453,12 @@ class BillingLedger:
         with self._lock:
             return self._node_pending.get(wallet, 0.0)
 
-    def usage_for(self, api_keys: list[str], *, recent_limit: int | None = None) -> dict:
-        """Aggregate charge history for a set of API keys (dashboard view)."""
+    def usage_totals_for(self, api_keys: list[str]) -> dict:
+        """Aggregate charge totals without per-request records (dashboard summary)."""
         keys = set(api_keys)
         requests = 0
         total_tokens = 0
         total_cost = 0.0
-        records: list[dict] = []
         with self._lock:
             for event in self._event_log:
                 if event.get("type") != "charge" or event.get("api_key") not in keys:
@@ -467,6 +466,20 @@ class BillingLedger:
                 requests += 1
                 total_tokens += int(event.get("total_tokens", 0))
                 total_cost += float(event.get("cost", 0.0))
+        return {
+            "requests": requests,
+            "total_tokens": total_tokens,
+            "total_cost": total_cost,
+        }
+
+    def usage_for(self, api_keys: list[str], *, recent_limit: int | None = None) -> dict:
+        """Aggregate charge history for a set of API keys (dashboard view)."""
+        keys = set(api_keys)
+        records: list[dict] = []
+        with self._lock:
+            for event in self._event_log:
+                if event.get("type") != "charge" or event.get("api_key") not in keys:
+                    continue
                 records.append({
                     "api_key": event["api_key"],
                     "model": event.get("model"),
@@ -476,9 +489,9 @@ class BillingLedger:
                 })
         recent = records[-recent_limit:] if recent_limit is not None else records
         return {
-            "requests": requests,
-            "total_tokens": total_tokens,
-            "total_cost": total_cost,
+            "requests": len(records),
+            "total_tokens": sum(int(r.get("total_tokens", 0)) for r in records),
+            "total_cost": sum(float(r.get("cost", 0.0)) for r in records),
             "records": records,
             "recent": recent,
         }
diff --git a/packages/tracker/meshnet_tracker/dashboard.html b/packages/tracker/meshnet_tracker/dashboard.html
index a302228..ea30ac6 100644
--- a/packages/tracker/meshnet_tracker/dashboard.html
+++ b/packages/tracker/meshnet_tracker/dashboard.html
@@ -219,6 +219,7 @@
   <h1>meshnet tracker</h1>
   <span class="meta" id="self-url"></span>
   <span class="meta" id="refreshed"></span>
+  <button class="small" id="refresh-btn" type="button" onclick="refreshActiveTab(true)" style="margin-left:auto">refresh</button>
 </header>
 <nav class="dashboard-tabs" aria-label="Dashboard sections">
   <button id="tab-overview" class="active" onclick="switchDashboardTab('overview')">Overview</button>
@@ -379,6 +380,75 @@ function modelServedCopiesFromMap(map, model) {
   return best;
 }
 
+const panelSig = {};
+let pendingChatModelRefresh = false;
+
+function stableSig(value) {
+  return JSON.stringify(value);
+}
+
+function renderIfChanged(panelId, data, renderFn) {
+  const sig = stableSig(data);
+  if (panelSig[panelId] === sig) return false;
+  panelSig[panelId] = sig;
+  renderFn(data);
+  return true;
+}
+
+function isEditing(idOrEl) {
+  const el = typeof idOrEl === "string" ? $(idOrEl) : idOrEl;
+  if (!el) return false;
+  const active = document.activeElement;
+  return active === el || (active && el.contains(active));
+}
+
+function refreshBlocked() {
+  return selectionActive()
+    || chatBusy
+    || isEditing("account-nickname")
+    || isEditing("chat-prompt")
+    || isEditing("chat-model");
+}
+
+function syncKeyedList(container, items, keyFn, sigFn, createFn, patchFn) {
+  if (!container) return;
+  const sig = stableSig(items.map(item => sigFn(item)));
+  if (container.dataset.listSig === sig) return;
+  container.dataset.listSig = sig;
+  if (!items.length) {
+    container.className = "chat-session-list empty-state";
+    container.replaceChildren(document.createTextNode("No chats yet"));
+    return;
+  }
+  container.className = "chat-session-list";
+  const existing = new Map();
+  for (const child of container.querySelectorAll("[data-session-id]")) {
+    existing.set(child.dataset.sessionId, child);
+  }
+  const seen = new Set();
+  for (const item of items) {
+    const key = keyFn(item);
+    seen.add(key);
+    let el = existing.get(key);
+    if (!el) {
+      el = createFn(item);
+    } else {
+      patchFn(el, item);
+    }
+    container.appendChild(el);
+  }
+  for (const [key, el] of existing) {
+    if (!seen.has(key)) el.remove();
+  }
+}
+
+function chatModelsSignature() {
+  return availableModels.map(model => ({
+    id: model.id,
+    label: chatModelOptionLabel(model, lastRouting),
+  }));
+}
+
 async function fetchJson(path) {
   try {
     const headers = {};
@@ -997,7 +1067,7 @@ function createNewChatSession() {
   clearChatPrompt();
   saveChatSessionsStore();
   renderChatSessionList();
-  renderChatHistory();
+  renderChatHistory(true);
   renderChatAuthHint();
   const promptEl = $("chat-prompt");
   if (promptEl) promptEl.focus();
@@ -1019,7 +1089,7 @@ function selectChatSession(sessionId) {
   }
   localStorage.setItem(CHAT_ACTIVE_SESSION_KEY, activeChatSessionId);
   renderChatSessionList();
-  renderChatHistory();
+  renderChatHistory(true);
   renderChatAuthHint();
 }
 
@@ -1045,7 +1115,7 @@ function deleteChatSession(sessionId) {
   }
   saveChatSessionsStore();
   renderChatSessionList();
-  renderChatHistory();
+  renderChatHistory(true);
   renderChatModels();
 }
 
@@ -1067,31 +1137,54 @@ function initChatSessions() {
     if (active.model) selectedChatModel = active.model;
   }
   renderChatSessionList();
-  renderChatHistory();
+  renderChatHistory(true);
 }
 
 function renderChatSessionList() {
   const list = $("chat-session-list");
-  if (!list) return;
-  if (!chatSessions.length) {
-    list.className = "chat-session-list empty-state";
-    list.innerHTML = "No chats yet";
-    return;
+  syncKeyedList(
+    list,
+    chatSessions,
+    session => session.id,
+    session => `${session.id}|${session.updatedAt || ""}|${chatSessionTitle(session)}|${session.id === activeChatSessionId}`,
+    createSessionRowElement,
+    patchSessionRowElement,
+  );
+}
+
+function createSessionRowElement(session) {
+  const el = document.createElement("div");
+  el.className = "chat-session-item";
+  el.dataset.sessionId = session.id;
+  el.setAttribute("role", "button");
+  el.tabIndex = 0;
+  const title = document.createElement("div");
+  title.className = "chat-session-title";
+  const meta = document.createElement("div");
+  meta.className = "chat-session-meta";
+  const del = document.createElement("button");
+  del.type = "button";
+  del.className = "chat-session-delete";
+  del.title = "Delete chat";
+  del.dataset.deleteSession = session.id;
+  del.textContent = "×";
+  el.append(title, meta, del);
+  patchSessionRowElement(el, session);
+  return el;
+}
+
+function patchSessionRowElement(el, session) {
+  el.classList.toggle("active", session.id === activeChatSessionId);
+  el.querySelector(".chat-session-title").textContent = chatSessionTitle(session);
+  const when = formatSessionTime(session.updatedAt || session.createdAt);
+  const meta = el.querySelector(".chat-session-meta");
+  if (when) {
+    meta.textContent = when;
+    meta.hidden = false;
+  } else {
+    meta.textContent = "";
+    meta.hidden = true;
   }
-  list.className = "chat-session-list";
-  list.innerHTML = chatSessions.map(session => {
-    const active = session.id === activeChatSessionId ? " active" : "";
-    const title = esc(chatSessionTitle(session));
-    const when = esc(formatSessionTime(session.updatedAt || session.createdAt));
-    const sessionId = esc(session.id);
-    return `<div class="chat-session-item${active}" role="button" tabindex="0"` +
-      ` data-session-id="${sessionId}">` +
-      `<div class="chat-session-title">${title}</div>` +
-      (when ? `<div class="chat-session-meta">${when}</div>` : "") +
-      `<button type="button" class="chat-session-delete" title="Delete chat"` +
-      ` data-delete-session="${sessionId}">×</button>` +
-      `</div>`;
-  }).join("");
 }
 
 function bindChatSessionList() {
@@ -1134,6 +1227,7 @@ function switchDashboardTab(name) {
     const promptEl = $("chat-prompt");
     if (promptEl) promptEl.focus();
   }
+  refreshActiveTab(true);
 }
 
 function updateSectionVisibility() {
@@ -1149,22 +1243,33 @@ function renderChatStatus(text) {
   $("chat-status").textContent = text;
 }
 
-function renderChatHistory() {
+function renderChatHistory(force) {
   const history = $("chat-history");
   if (!history) return;
+  if (!force && chatHistory.some(msg => msg.streaming)) return;
   if (!chatHistory.length) {
+    if (history.dataset.historySig === "empty") return;
+    history.dataset.historySig = "empty";
     history.className = "chat-messages empty";
     history.innerHTML = '<div class="chat-messages-inner">Send a message to start this conversation.</div>';
     return;
   }
+  const sig = stableSig(chatHistory.map(msg => ({
+    role: msg.role,
+    content: msg.content,
+    streaming: Boolean(msg.streaming),
+  })));
+  if (!force && history.dataset.historySig === sig) return;
+  history.dataset.historySig = sig;
   history.className = "chat-messages";
+  const nearBottom = history.scrollHeight - history.scrollTop - history.clientHeight < 80;
   const rows = chatHistory.map(msg => {
     const role = msg.role === "user" ? "user" : msg.role === "assistant" ? "assistant" : "error";
     const streaming = msg.streaming ? " streaming" : "";
     return `<div class="chat-row ${role}"><div class="chat-bubble ${role}${streaming}">${esc(msg.content)}</div></div>`;
   }).join("");
   history.innerHTML = `<div class="chat-messages-inner">${rows}</div>`;
-  history.scrollTop = history.scrollHeight;
+  if (nearBottom || force) history.scrollTop = history.scrollHeight;
 }
 
 function findRoutingForModel(model, routing) {
@@ -1205,9 +1310,17 @@ function chatModelOptionLabel(model, routing) {
   return `${base} · ${health} · ${speedText}${suffix}`;
 }
 
-function renderChatModels() {
+function renderChatModels(force) {
   const select = $("chat-model");
   if (!select) return;
+  const sig = stableSig(chatModelsSignature());
+  if (!force && panelSig.chatModels === sig) return;
+  if (!force && isEditing(select)) {
+    pendingChatModelRefresh = true;
+    return;
+  }
+  pendingChatModelRefresh = false;
+  panelSig.chatModels = sig;
   const models = availableModels.slice();
   if (!models.length) {
     select.innerHTML = '<option value="">no models available</option>';
@@ -1226,6 +1339,15 @@ function renderChatModels() {
   select.value = selectedChatModel;
 }
 
+function bindChatModelSelect() {
+  const select = $("chat-model");
+  if (!select || select.dataset.bound) return;
+  select.dataset.bound = "1";
+  select.addEventListener("blur", () => {
+    if (pendingChatModelRefresh) renderChatModels(true);
+  });
+}
+
 function selectChatModel(value) {
   selectedChatModel = value || "";
   localStorage.setItem("meshnet_chat_model", selectedChatModel);
@@ -1325,7 +1447,8 @@ async function doRegister() {
     { email: email || null, wallet: wallet || null, nickname: nickname || null, password });
   if (!r.ok) { renderAuthForms(r.data.error || "registration failed"); return; }
   setSession(r.data.session_token);
-  await renderAccountPanel();
+  await loadAccountSummary(true);
+  await refreshActiveTab(true);
 }
 
 async function doLogin() {
@@ -1334,7 +1457,8 @@ async function doLogin() {
   const r = await apiCall("/v1/auth/login", "POST", { identifier, password });
   if (!r.ok) { renderAuthForms(r.data.error || "login failed"); return; }
   setSession(r.data.session_token);
-  await renderAccountPanel();
+  await loadAccountSummary(true);
+  await refreshActiveTab(true);
 }
 
 async function doLogout() {
@@ -1345,19 +1469,19 @@ async function doLogout() {
 
 async function createKey() {
   const r = await apiCall("/v1/account/keys", "POST", {});
-  if (r.ok) await renderAccountPanel();
+  if (r.ok) await loadAccountSummary(true);
 }
 
 async function revokeKey(key) {
   if (!confirm("Revoke this API key? Clients using it will stop working.")) return;
   await apiCall("/v1/account/keys/revoke", "POST", { api_key: key });
-  await renderAccountPanel();
+  await loadAccountSummary(true);
 }
 
 async function topupKey(key) {
   const r = await apiCall("/v1/account/topup", "POST", { api_key: key });
   if (!r.ok) alert(r.data.error || "top-up failed");
-  await renderAccountPanel();
+  await loadAccountSummary(true);
 }
 
 const COPY_TOOLTIP_MS = 2000;
@@ -1421,65 +1545,112 @@ function renderChatAuthHint() {
   }
 }
 
+let accountTopupAmount = 0;
+
+function buildAccountPanelShell() {
+  $("account").innerHTML =
+    `<div id="account-panel-root">` +
+    `<div><b data-bind="who"></b> <span class="pill" data-bind="role"></span> ` +
+    `<button class="small" style="float:right" onclick="doLogout()">log out</button></div>` +
+    `<div style="margin:6px 0;display:flex;gap:8px;align-items:center;flex-wrap:wrap">` +
+    `<label class="dim" style="margin:0">nickname</label>` +
+    `<input id="account-nickname" type="text" placeholder="display name" style="min-width:180px">` +
+    `<button class="small" type="button" onclick="saveNickname()">save</button></div>` +
+    `<div style="margin:6px 0">balance: <b data-bind="balance"></b> USDT · requests: <b data-bind="requests"></b> · ` +
+    `tokens: <b data-bind="tokens"></b> · spent: <b data-bind="spent"></b> USDT</div>` +
+    `<div style="margin:6px 0"><b class="dim">API keys</b> ` +
+    `<button class="small" onclick="createKey()">+ new key</button></div>` +
+    `<div id="account-keys"></div></div>`;
+}
+
+function renderAccountKeys(api_keys, balances, topup_amount) {
+  const el = $("account-keys");
+  if (!el) return;
+  if (!api_keys.length) {
+    el.innerHTML = '<div class="empty">no active keys</div>';
+    return;
+  }
+  let html = "";
+  for (const key of api_keys) {
+    html += `<div class="keybox">` +
+      `<span class="key-text" data-key="${esc(key)}" onclick="selectApiKeyText(this)" ondblclick="copyApiKeyFromTextEl(this)">${esc(key)}</span>` +
+      `<span class="dim">(${usdt(balances[key] ?? 0)} USDT)</span>` +
+      `<button class="small" type="button" onclick="copyApiKeyFromButton(this)">copy</button>` +
+      (topup_amount > 0
+        ? ` <button class="small" onclick="topupKey('${esc(key)}')">+${usdt(topup_amount)} (devnet)</button>`
+        : "") +
+      ` <button class="small" onclick="revokeKey('${esc(key)}')">revoke</button></div>`;
+  }
+  el.innerHTML = html;
+}
+
+function patchAccountPanelView(account, api_keys, balances, total_balance, usage, topup_amount) {
+  const root = $("account-panel-root");
+  if (!root) return false;
+  accountTopupAmount = topup_amount || 0;
+  root.querySelector('[data-bind="who"]').textContent = accountDisplayName(account);
+  root.querySelector('[data-bind="role"]').textContent = account.role;
+  const bal = root.querySelector('[data-bind="balance"]');
+  bal.textContent = usdt(total_balance);
+  bal.className = total_balance > 0 ? "ok" : "bad";
+  root.querySelector('[data-bind="requests"]').textContent = String(usage.requests);
+  root.querySelector('[data-bind="tokens"]').textContent = String(usage.total_tokens);
+  root.querySelector('[data-bind="spent"]').textContent = usdt(usage.total_cost);
+  const nick = $("account-nickname");
+  if (nick && !isEditing(nick)) nick.value = account.nickname || "";
+  renderIfChanged("account-keys", { api_keys, balances, topup_amount }, data => {
+    renderAccountKeys(data.api_keys, data.balances, data.topup_amount);
+  });
+  return true;
+}
+
 async function saveNickname() {
   const nickname = $("account-nickname").value.trim();
   const r = await apiCall("/v1/account/profile", "POST", { nickname: nickname || null });
   if (!r.ok) alert(r.data.error || "nickname update failed");
-  else await renderAccountPanel();
+  else await loadAccountSummary(true);
 }
 
-async function renderAccountPanel() {
+function applyAccountSummary(data, force) {
+  const { account, api_keys, balances, total_balance, usage, topup_amount } = data;
+  accountApiKeys = Array.isArray(api_keys) ? api_keys.slice() : [];
+  if (force || !patchAccountPanelView(account, api_keys, balances, total_balance, usage, topup_amount)) {
+    buildAccountPanelShell();
+    patchAccountPanelView(account, api_keys, balances, total_balance, usage, topup_amount);
+  }
+  renderChatAuthHint();
+  setLoggedInMode(true);
+  setAdminMode(account.role === "admin");
+}
+
+async function loadAccountSummary(force) {
   const r = await apiCall("/v1/account");
-  if (r.status === 404) {  // accounts disabled on this tracker
+  if (r.status === 404) {
     $("account-section").style.display = "none";
     accountApiKeys = [];
     accountUsageRecords = [];
     renderChatAuthHint();
     setLoggedInMode(false);
     setAdminMode(false);
-    return;
+    return false;
   }
-  if (!r.ok) { setSession(null); renderAuthForms(); return; }
-  const { account, api_keys, balances, total_balance, usage, topup_amount } = r.data;
-  accountApiKeys = Array.isArray(api_keys) ? api_keys.slice() : [];
-  accountUsageRecords = (usage && (usage.records || usage.recent)) || [];
-  const who = accountDisplayName(account);
-  let html =
-    `<div><b>${esc(who)}</b> <span class="pill">${esc(account.role)}</span> ` +
-    `<button class="small" style="float:right" onclick="doLogout()">log out</button></div>` +
-    `<div style="margin:6px 0;display:flex;gap:8px;align-items:center;flex-wrap:wrap">` +
-    `<label class="dim" style="margin:0">nickname</label>` +
-    `<input id="account-nickname" type="text" value="${esc(account.nickname || "")}" placeholder="display name" style="min-width:180px">` +
-    `<button class="small" type="button" onclick="saveNickname()">save</button></div>` +
-    `<div style="margin:6px 0">balance: <b class="${total_balance > 0 ? "ok" : "bad"}">` +
-    `${usdt(total_balance)}</b> USDT · requests: <b>${usage.requests}</b> · ` +
-    `tokens: <b>${usage.total_tokens}</b> · spent: <b>${usdt(usage.total_cost)}</b> USDT</div>`;
-  html += '<div style="margin:6px 0"><b class="dim">API keys</b> ' +
-    '<button class="small" onclick="createKey()">+ new key</button></div>';
-  if (api_keys.length) {
-    for (const key of api_keys) {
-      html += `<div class="keybox">` +
-        `<span class="key-text" data-key="${esc(key)}" onclick="selectApiKeyText(this)" ondblclick="copyApiKeyFromTextEl(this)">${esc(key)}</span>` +
-        `<span class="dim">(${usdt(balances[key] ?? 0)} USDT)</span>` +
-        `<button class="small" type="button" onclick="copyApiKeyFromButton(this)">copy</button>` +
-        (topup_amount > 0
-          ? ` <button class="small" onclick="topupKey('${esc(key)}')">+${usdt(topup_amount)} (devnet)</button>`
-          : "") +
-        ` <button class="small" onclick="revokeKey('${esc(key)}')">revoke</button></div>`;
-    }
-  } else {
-    html += '<div class="empty">no active keys</div>';
-  }
-  $("account").innerHTML = html;
-  renderUsageSummary(accountUsageRecords);
-  renderNodeThroughput(lastStats);
-  renderBillingUsage(accountUsageRecords);
-  renderChatAuthHint();
-  renderChatModels();
-  renderChatHistory();
-  setLoggedInMode(true);
-  setAdminMode(account.role === "admin");
-  if (account.role === "admin") await renderAdminPanel();
+  if (!r.ok) { setSession(null); renderAuthForms(); return false; }
+  applyAccountSummary(r.data, force);
+  if (dashboardTab === "chat" && !refreshBlocked()) renderChatModels(force);
+  return true;
+}
+
+async function loadAccountUsage() {
+  const r = await apiCall("/v1/account/usage");
+  if (!r.ok) return;
+  accountUsageRecords = (r.data.records || r.data.recent) || [];
+  renderIfChanged("usage-summary", accountUsageRecords, () => renderUsageSummary(accountUsageRecords));
+  renderIfChanged("billing-usage", accountUsageRecords, () => renderBillingUsage(accountUsageRecords));
+}
+
+/** @deprecated use loadAccountSummary */
+async function renderAccountPanel(force) {
+  return loadAccountSummary(force);
 }
 
 let chatAbortController = null;
@@ -1501,7 +1672,7 @@ function updateStreamingChatBubble(content) {
   if (!history) return;
   const bubbles = history.querySelectorAll(".chat-bubble.assistant.streaming");
   const bubble = bubbles[bubbles.length - 1];
-  if (!bubble) { renderChatHistory(); return; }
+  if (!bubble) { renderChatHistory(true); return; }
   bubble.textContent = content;
   const nearBottom = history.scrollHeight - history.scrollTop - history.clientHeight < 80;
   if (nearBottom) history.scrollTop = history.scrollHeight;
@@ -1511,7 +1682,7 @@ function finalizeAssistantMessage(msg) {
   delete msg.streaming;
   if (!chatHistory.includes(msg)) chatHistory.push(msg);
   if (!msg.content) msg.content = "(empty response)";
-  renderChatHistory();
+  renderChatHistory(true);
   persistActiveChatSession();
 }
 
@@ -1519,7 +1690,7 @@ function removeAssistantMessage(msg) {
   const index = chatHistory.indexOf(msg);
   if (index >= 0) {
     chatHistory.splice(index, 1);
-    renderChatHistory();
+    renderChatHistory(true);
   }
 }
 
@@ -1550,7 +1721,7 @@ async function sendChat() {
   chatHistory.push({ role: "user", content: prompt, model: selectedChatModel });
   const assistantMessage = { role: "assistant", content: "", model: selectedChatModel, streaming: true };
   chatHistory.push(assistantMessage);
-  renderChatHistory();
+  renderChatHistory(true);
   persistActiveChatSession();
   renderChatStatus("sending request…");
   let tokens = 0;
@@ -1633,7 +1804,7 @@ async function sendChat() {
       removeAssistantMessage(assistantMessage);
       const error = (err && err.message) || "request failed";
       chatHistory.push({ role: "error", content: error, model: selectedChatModel });
-      renderChatHistory();
+      renderChatHistory(true);
       persistActiveChatSession();
       renderChatStatus(error);
     }
@@ -1661,29 +1832,13 @@ function bindChatPromptShortcuts() {
   });
 }
 
-async function renderAdminPanel() {
-  const r = await apiCall("/v1/admin/accounts");
-  if (!r.ok) { setAdminMode(false); return; }
-  const rows = (r.data.accounts || []).map(a => {
-    const balance = Object.values(a.balances || {}).reduce((x, y) => x + y, 0);
-    return [
-      esc(short(accountDisplayName(a), 24)),
-      `<span class="pill">${esc(a.role)}</span>`,
-      String((a.api_keys || []).length),
-      `<span class="num ${balance > 0 ? "ok" : "bad"}">${usdt(balance)}</span>`,
-      new Date(a.created_ts * 1000).toLocaleDateString(),
-    ];
-  });
-  $("admin").innerHTML = table(["account", "role", "keys", "balance (USDT)", "created"], rows);
-}
-
 async function cancelProxyRequest(requestId) {
   const r = await apiCall(
     `/v1/proxy/requests/${encodeURIComponent(requestId)}/cancel`,
     "POST",
     {},
   );
-  if (r.ok) refresh();
+  if (r.ok) await refreshCallWall();
 }
 
 $("call-wall").addEventListener("click", (event) => {
@@ -1694,25 +1849,8 @@ $("call-wall").addEventListener("click", (event) => {
   if (requestId) cancelProxyRequest(requestId);
 });
 
-async function refresh() {
-  $("self-url").textContent = location.host;
-  const [raft, map, stats, models, consoleData, routing, adminData] = await Promise.all([
-    fetchJson("/v1/raft/status"),
-    fetchJson("/v1/network/map"),
-    fetchJson("/v1/stats"),
-    fetchJson("/v1/models"),
-    fetchJson("/v1/console"),
-    fetchJson("/v1/routing"),
-    isAdmin ? Promise.all([
-      fetchJson("/v1/billing/summary"),
-      fetchJson("/v1/billing/settlements"),
-      fetchJson("/v1/registry/wallets"),
-    ]) : Promise.resolve([null, null, null]),
-  ]);
-  const [summary, settlements, wallets] = adminData;
-  lastStats = stats;
-  lastRouting = routing;
-  lastNetworkMap = map;
+function applyAvailableModels(models, map) {
+  lastNetworkMap = map || lastNetworkMap;
   availableModels = ((models && models.data) || []).map(model => {
     const entry = {
       id: model.id,
@@ -1723,50 +1861,154 @@ async function refresh() {
       coverage: model.shard_coverage_percentage,
       servedCopies: model.served_model_copies,
     };
-    entry.servedCopies = modelServedCopiesFromMap(map, entry);
+    entry.servedCopies = modelServedCopiesFromMap(lastNetworkMap, entry);
     return entry;
   }).filter(model => model.id);
-  renderHive(raft);
-  renderNodes(map);
-  renderBilling(summary);
-  renderSettlements(settlements);
-  renderFraud(wallets, summary);
-  renderStats(stats);
-  renderRouting(routing);
-  renderCallWall(consoleData, stats, map);
-  renderConsole(consoleData);
-  renderNodeThroughput(stats);
-  renderChatModels();
-  renderChatHistory();
+}
+
+function markRefreshed() {
   $("refreshed").textContent = "refreshed " + new Date().toLocaleTimeString();
 }
 
-const REFRESH_MS = 10000;
+async function fetchOverviewTab() {
+  const fetches = [
+    fetchJson("/v1/raft/status"),
+    fetchJson("/v1/network/map"),
+    fetchJson("/v1/stats"),
+    fetchJson("/v1/routing"),
+    fetchJson("/v1/console"),
+  ];
+  if (isLoggedIn) fetches.push(apiCall("/v1/account"));
+  const results = await Promise.all(fetches);
+  const [raft, map, stats, routing, consoleData, accountResp] = results;
+  lastStats = stats;
+  lastRouting = routing;
+  lastNetworkMap = map;
+  if (accountResp && accountResp.ok) applyAccountSummary(accountResp.data, false);
+  renderIfChanged("hive", raft, renderHive);
+  renderIfChanged("nodes", map, renderNodes);
+  renderIfChanged("stats", stats, renderStats);
+  renderIfChanged("routing", routing, renderRouting);
+  renderIfChanged("call-wall", { consoleData, stats, map }, data => renderCallWall(data.consoleData, data.stats, data.map));
+}
+
+async function fetchChatTab() {
+  const fetches = [
+    fetchJson("/v1/network/map"),
+    fetchJson("/v1/models"),
+    fetchJson("/v1/routing"),
+  ];
+  if (isLoggedIn) fetches.push(apiCall("/v1/account"));
+  const [map, models, routing, accountResp] = await Promise.all(fetches);
+  lastRouting = routing;
+  applyAvailableModels(models, map);
+  if (accountResp && accountResp.ok) applyAccountSummary(accountResp.data, false);
+  if (!refreshBlocked()) {
+    renderChatModels(true);
+  } else {
+    pendingChatModelRefresh = true;
+  }
+}
+
+async function fetchBillingTab() {
+  const [stats, , accountResp, adminData] = await Promise.all([
+    fetchJson("/v1/stats"),
+    loadAccountUsage(),
+    isLoggedIn ? apiCall("/v1/account") : Promise.resolve(null),
+    isAdmin ? Promise.all([
+      fetchJson("/v1/billing/summary"),
+      fetchJson("/v1/billing/settlements"),
+    ]) : Promise.resolve(null),
+  ]);
+  lastStats = stats;
+  if (accountResp && accountResp.ok) applyAccountSummary(accountResp.data, false);
+  renderIfChanged("node-throughput", stats, renderNodeThroughput);
+  if (adminData) {
+    const [summary, settlements] = adminData;
+    renderIfChanged("billing-summary", summary, renderBilling);
+    renderIfChanged("settlements", settlements, renderSettlements);
+  }
+}
+
+async function fetchAdminTab() {
+  const fetches = [
+    fetchJson("/v1/console"),
+    fetchJson("/v1/billing/summary"),
+    fetchJson("/v1/registry/wallets"),
+  ];
+  if (isAdmin) fetches.push(apiCall("/v1/admin/accounts"));
+  const results = await Promise.all(fetches);
+  const [consoleData, summary, wallets, adminResp] = results;
+  renderIfChanged("console", consoleData, renderConsole);
+  renderIfChanged("billing-summary", summary, data => renderBilling(data));
+  renderIfChanged("fraud", { wallets, summary }, data => renderFraud(data.wallets, data.summary));
+  if (adminResp && adminResp.ok) {
+    renderIfChanged("admin", adminResp.data.accounts || [], accounts => {
+      const rows = accounts.map(a => {
+        const balance = Object.values(a.balances || {}).reduce((x, y) => x + y, 0);
+        return [
+          esc(short(accountDisplayName(a), 24)),
+          `<span class="pill">${esc(a.role)}</span>`,
+          String((a.api_keys || []).length),
+          `<span class="num ${balance > 0 ? "ok" : "bad"}">${usdt(balance)}</span>`,
+          new Date(a.created_ts * 1000).toLocaleDateString(),
+        ];
+      });
+      $("admin").innerHTML = table(["account", "role", "keys", "balance (USDT)", "created"], rows);
+    });
+  }
+}
+
+async function refreshCallWall() {
+  const [consoleData, map] = await Promise.all([
+    fetchJson("/v1/console"),
+    fetchJson("/v1/network/map"),
+  ]);
+  if (map) lastNetworkMap = map;
+  renderIfChanged("call-wall", { consoleData, stats: lastStats, map }, data =>
+    renderCallWall(data.consoleData, data.stats, data.map));
+}
+
+const TAB_FETCHERS = {
+  overview: fetchOverviewTab,
+  chat: fetchChatTab,
+  billing: fetchBillingTab,
+  admin: fetchAdminTab,
+};
+
+async function refreshActiveTab(force) {
+  $("self-url").textContent = location.host;
+  if (refreshBlocked() && !force) return;
+  const fetcher = TAB_FETCHERS[dashboardTab];
+  if (fetcher) await fetcher();
+  markRefreshed();
+}
+
+const CALL_WALL_POLL_MS = 5000;
+
+async function pollCallWallIfIdle() {
+  if (dashboardTab !== "overview" || refreshBlocked()) return;
+  await refreshCallWall();
+}
 
 function selectionActive() {
   const sel = window.getSelection();
   return sel && !sel.isCollapsed && sel.toString().length > 0;
 }
 
-async function refreshIfIdle() {
-  if (selectionActive()) return;
-  await refresh();
-}
-
-refresh();
 bindChatSessionList();
+bindChatModelSelect();
 initChatSessions();
 bindChatPromptShortcuts();
-renderAccountPanel();
-renderChatModels();
-renderChatHistory();
-renderChatAuthHint();
-setInterval(refreshIfIdle, REFRESH_MS);
-setInterval(() => {
-  if (!sessionToken && !isLoggedIn) return;
-  if (selectionActive()) return;
-  renderAccountPanel();
-}, REFRESH_MS);
+(async () => {
+  if (sessionToken) await loadAccountSummary(true);
+  else renderAuthForms();
+  await refreshActiveTab(true);
+  renderChatHistory(true);
+  renderChatAuthHint();
+  if (dashboardTab === "chat") renderChatModels(true);
+})();
+setInterval(pollCallWallIfIdle, CALL_WALL_POLL_MS);
 </script>
 </body>
 </html>
diff --git a/packages/tracker/meshnet_tracker/model_presets.json b/packages/tracker/meshnet_tracker/model_presets.json
index 40ee0ed..c2fd76b 100644
--- a/packages/tracker/meshnet_tracker/model_presets.json
+++ b/packages/tracker/meshnet_tracker/model_presets.json
@@ -39,6 +39,38 @@
         ]
       }
     },
+    "qwen2.5-0.5b-instruct": {
+      "layers_start": 0,
+      "layers_end": 23,
+      "hf_repo": "Qwen/Qwen2.5-0.5B-Instruct",
+      "aliases": [
+        "qwen2.5-0.5b",
+        "Qwen2.5-0.5B-Instruct",
+        "Qwen/Qwen2.5-0.5B-Instruct"
+      ],
+      "deployment_status": "supported",
+      "price_per_1k_tokens": 0.002,
+      "input_price_per_1k_tokens": 0.002,
+      "output_price_per_1k_tokens": 0.002,
+      "hf_aliases": [],
+      "hf_verified_match_note": "Static 10× dev-funding markup over ~$0.20/1M commercial API reference (Qwen-class hosted rates). $0.002/1k = $2/1M blended input+output.",
+      "required_model_bytes": 1056964608,
+      "download_size_bytes": 1056964608,
+      "native_quantization": "bfloat16",
+      "canonical_audit_dtype": "bfloat16",
+      "canonical_audit_quantization": "bfloat16",
+      "bytes_per_layer": {
+        "bfloat16": 44040192
+      },
+      "metadata": {
+        "architecture": "Dense transformer (GQA)",
+        "total_parameters": "0.5B",
+        "num_layers": 24,
+        "context_length": 32768,
+        "native_quantization": "bfloat16",
+        "download_size_gb": 1
+      }
+    },
     "qwen3.6-35b-a3b": {
       "layers_start": 0,
       "layers_end": 39,
diff --git a/packages/tracker/meshnet_tracker/server.py b/packages/tracker/meshnet_tracker/server.py
index 31f8141..27ff134 100644
--- a/packages/tracker/meshnet_tracker/server.py
+++ b/packages/tracker/meshnet_tracker/server.py
@@ -2707,6 +2707,8 @@ class _TrackerHandler(http.server.BaseHTTPRequestHandler):
             self._handle_billing_summary()
         elif parsed.path == "/v1/billing/settlements":
             self._handle_billing_settlements()
+        elif parsed.path == "/v1/account/usage":
+            self._handle_account_usage(parsed)
         elif parsed.path == "/v1/account":
             self._handle_account_me()
         elif parsed.path == "/v1/admin/accounts":
@@ -4536,7 +4538,7 @@ class _TrackerHandler(http.server.BaseHTTPRequestHandler):
         self._send_json(200, {"ok": True}, headers={"Set-Cookie": _session_cookie_header(None)})
 
     def _handle_account_me(self):
-        """Balance, usage, and API keys for the logged-in account."""
+        """Balance, usage totals, and API keys for the logged-in account."""
         server: _TrackerHTTPServer = self.server  # type: ignore[assignment]
         if self._require_accounts() is None:
             return
@@ -4546,10 +4548,10 @@ class _TrackerHandler(http.server.BaseHTTPRequestHandler):
             return
         keys = server.accounts.keys_for(account["account_id"])  # type: ignore[union-attr]
         balances = {}
-        usage: dict = {"requests": 0, "total_tokens": 0, "total_cost": 0.0, "recent": [], "records": []}
+        usage: dict = {"requests": 0, "total_tokens": 0, "total_cost": 0.0}
         if server.billing is not None:
             balances = {key: server.billing.get_client_balance(key) for key in keys}
-            usage = server.billing.usage_for(keys)
+            usage = server.billing.usage_totals_for(keys)
         self._send_json(200, {
             "account": account,
             "api_keys": keys,
@@ -4559,6 +4561,35 @@ class _TrackerHandler(http.server.BaseHTTPRequestHandler):
             "topup_amount": server.devnet_topup_amount if server.billing is not None else 0.0,
         })
 
+    def _handle_account_usage(self, parsed: urllib.parse.ParseResult):
+        """Per-request charge history for the logged-in account (billing tab)."""
+        server: _TrackerHTTPServer = self.server  # type: ignore[assignment]
+        if self._require_accounts() is None:
+            return
+        account = self._session_account()
+        if account is None:
+            self._send_json(401, {"error": "login required"})
+            return
+        keys = server.accounts.keys_for(account["account_id"])  # type: ignore[union-attr]
+        if server.billing is None:
+            self._send_json(200, {
+                "requests": 0,
+                "total_tokens": 0,
+                "total_cost": 0.0,
+                "records": [],
+                "recent": [],
+            })
+            return
+        limit = None
+        raw_limit = urllib.parse.parse_qs(parsed.query).get("limit", [None])[0]
+        if raw_limit is not None:
+            try:
+                limit = max(1, int(raw_limit))
+            except ValueError:
+                self._send_json(400, {"error": "limit must be an integer"})
+                return
+        self._send_json(200, server.billing.usage_for(keys, recent_limit=limit))
+
     def _handle_account_profile(self):
         accounts = self._require_accounts()
         if accounts is None:
diff --git a/tests/test_accounts.py b/tests/test_accounts.py
index b832cca..12d93ce 100644
--- a/tests/test_accounts.py
+++ b/tests/test_accounts.py
@@ -196,6 +196,20 @@ def test_register_login_and_account_view(account_tracker):
     assert me["api_keys"] == [reg["api_key"]]
     assert me["total_balance"] == pytest.approx(0.0)
     assert me["usage"]["requests"] == 0
+    assert "records" not in me["usage"]
+    assert "recent" not in me["usage"]
+
+
+def test_account_usage_endpoint_returns_records(account_tracker):
+    url, ledger = account_tracker
+    reg = _call(f"{url}/v1/auth/register", "POST",
+                {"email": "usage@example.com", "password": "secret-123"})
+    ledger.charge_request(reg["api_key"], "test-model", total_tokens=42, node_work=[("wallet-1", 1)])
+    usage = _call(f"{url}/v1/account/usage", token=reg["session_token"])
+    assert usage["requests"] == 1
+    assert usage["total_tokens"] == 42
+    assert len(usage["records"]) == 1
+    assert usage["records"][0]["model"] == "test-model"
 
 
 def test_account_nickname_register_and_profile_update(account_tracker):
diff --git a/tests/test_dashboard.py b/tests/test_dashboard.py
index 35ebe48..a43d8f9 100644
--- a/tests/test_dashboard.py
+++ b/tests/test_dashboard.py
@@ -113,12 +113,42 @@ def test_dashboard_chat_sessions_use_delegated_handlers():
         tracker.stop()
 
     assert "bindChatSessionList" in html
-    assert "data-session-id=" in html
-    assert "data-delete-session=" in html
+    assert "dataset.sessionId" in html
+    assert "dataset.deleteSession" in html
+    assert '[data-session-id]' in html
     assert 'onclick="selectChatSession(' not in html
     assert 'onclick="deleteChatSession(' not in html
 
 
+def test_dashboard_incremental_refresh_helpers():
+    tracker = TrackerServer()
+    port = tracker.start()
+    try:
+        html = urllib.request.urlopen(
+            f"http://127.0.0.1:{port}/dashboard"
+        ).read().decode()
+    finally:
+        tracker.stop()
+
+    assert "renderIfChanged" in html
+    assert "syncKeyedList" in html
+    assert "refreshBlocked" in html
+    assert "patchAccountPanelView" in html
+    assert "buildAccountPanelShell" in html
+    assert "refreshActiveTab" in html
+    assert "TAB_FETCHERS" in html
+    assert "loadAccountSummary" in html
+    assert "loadAccountUsage" in html
+    assert "fetchOverviewTab" in html
+    assert "pollCallWallIfIdle" in html
+    assert "pendingChatModelRefresh" in html
+    assert 'renderChatHistory(true)' in html
+    assert "renderChatHistory();" not in html
+    assert "refreshIfIdle" not in html
+    assert "refreshAccountIfIdle" not in html
+    assert "setInterval(refreshIfIdle" not in html
+
+
 def test_dashboard_served_by_follower():
     """A tracker that is not the leader (unreachable peers → never elected)
     still serves the dashboard from its own replicated state."""
diff --git a/tests/test_hf_pricing.py b/tests/test_hf_pricing.py
index c7d8c7d..f0c6089 100644
--- a/tests/test_hf_pricing.py
+++ b/tests/test_hf_pricing.py
@@ -186,3 +186,24 @@ def test_qwen_preset_prices_apply_to_all_aliases(tmp_path):
         assert billing.price_for("some/other-model") == pytest.approx(0.02)
     finally:
         pass
+
+
+def test_qwen25_preset_price_is_ten_x_commercial_reference(tmp_path):
+    """Qwen2.5-0.5B bills at 10× ~$0.20/1M reference ($0.002/1k), not the 0.02 default."""
+    import pytest
+    from meshnet_tracker.server import TrackerServer, _resolve_model_preset, DEFAULT_MODEL_PRESETS
+
+    name, preset = _resolve_model_preset(DEFAULT_MODEL_PRESETS, "Qwen/Qwen2.5-0.5B-Instruct")
+    assert name == "qwen2.5-0.5b-instruct"
+    assert preset["price_per_1k_tokens"] == pytest.approx(0.002)
+
+    tracker = TrackerServer(billing_db=str(tmp_path / "billing.sqlite"))
+    billing = tracker._billing
+    assert billing is not None
+    for key in (
+        "qwen2.5-0.5b",
+        "Qwen2.5-0.5B-Instruct",
+        "Qwen/Qwen2.5-0.5B-Instruct",
+    ):
+        assert billing.price_for(key) == pytest.approx(0.002), key
+    assert billing.price_for("unrelated-model") == pytest.approx(0.02)