diff --git a/app/send/components/AutomaticSplitCard.tsx b/app/send/components/AutomaticSplitCard.tsx
index b9ee49a..ac3bdff 100644
--- a/app/send/components/AutomaticSplitCard.tsx
+++ b/app/send/components/AutomaticSplitCard.tsx
@@ -9,11 +9,13 @@ import {
   Shield,
   Info,
 } from "lucide-react";
+import { useClientLocale } from "@/lib/i18n/client";
+import { formatCurrency } from "@/lib/utils/format-currency";
 
 interface SplitCategoryProps {
   icon: React.ElementType;
   label: string;
-  amount: number;
+  amount: string;
   percentage: number;
 }
 
@@ -34,7 +36,7 @@ const SplitCategory = ({
         </div>
         <div className="flex items-baseline gap-2">
           <span className="text-sm font-bold text-white tabular-nums">
-            ${amount.toFixed(2)}
+            {amount}
           </span>
           <span className="text-[11px] text-gray-500 w-8 text-right">
             {percentage}%
@@ -53,9 +55,12 @@ const SplitCategory = ({
 
 interface AutomaticSplitCardProps {
   amount?: number;
+  currency?: string;
 }
 
-export default function AutomaticSplitCard({ amount: externalAmount }: AutomaticSplitCardProps) {
+export default function AutomaticSplitCard({ amount: externalAmount, currency }: AutomaticSplitCardProps) {
+  const locale = useClientLocale();
+  const resolvedCurrency = currency ?? "USD";
   const [internalAmount, setInternalAmount] = useState<string>("");
   
   const total = externalAmount !== undefined ? externalAmount : (parseFloat(internalAmount) || 0);
@@ -67,10 +72,7 @@ export default function AutomaticSplitCard({ amount: externalAmount }: Automatic
     { icon: Shield, label: "Insurance", percentage: 5 },
   ] as const;
 
-  const displayTotal = total.toLocaleString("en-US", {
-    minimumFractionDigits: 2,
-    maximumFractionDigits: 2,
-  });
+  const displayTotal = formatCurrency(total, resolvedCurrency, locale);
 
   return (
     <div className="space-y-3 max-w-sm mx-auto font-sans">
@@ -100,15 +102,19 @@ export default function AutomaticSplitCard({ amount: externalAmount }: Automatic
 
           {/* Categories */}
           <div className="space-y-5">
-            {categories.map((cat, index) => (
-              <SplitCategory
-                key={index}
-                icon={cat.icon}
-                label={cat.label}
-                amount={(total * cat.percentage) / 100}
-                percentage={cat.percentage}
-              />
-            ))}
+            {categories.map((cat, index) => {
+              const splitValue = (total * cat.percentage) / 100;
+
+              return (
+                <SplitCategory
+                  key={index}
+                  icon={cat.icon}
+                  label={cat.label}
+                  amount={formatCurrency(splitValue, resolvedCurrency, locale)}
+                  percentage={cat.percentage}
+                />
+              );
+            })}
           </div>
 
           {/* Divider + Total */}
@@ -118,7 +124,7 @@ export default function AutomaticSplitCard({ amount: externalAmount }: Automatic
                 Total Amount
               </span>
               <span className="text-white text-3xl font-bold tabular-nums leading-none">
-                ${displayTotal}
+                {displayTotal}
               </span>
             </div>
 
diff --git a/app/send/components/ReviewStep.tsx b/app/send/components/ReviewStep.tsx
index 963e154..d736516 100644
--- a/app/send/components/ReviewStep.tsx
+++ b/app/send/components/ReviewStep.tsx
@@ -2,6 +2,8 @@
 
 import { Zap, ArrowLeft, ShieldCheck, User, CreditCard } from "lucide-react";
 import AutomaticSplitCard from "./AutomaticSplitCard";
+import { useClientLocale } from "@/lib/i18n/client";
+import { formatCurrency } from "@/lib/utils/format-currency";
 
 interface ReviewStepProps {
   recipient: string;
@@ -20,6 +22,9 @@ export default function ReviewStep({
   onBack,
   onEmergencyAction,
 }: ReviewStepProps) {
+  const locale = useClientLocale();
+  const formattedAmount = formatCurrency(amount, currency, locale);
+
   return (
     <div className="mx-auto max-w-4xl animate-in fade-in slide-in-from-bottom-4 duration-500">
       <div className="flex flex-col lg:flex-row gap-8">
@@ -53,7 +58,7 @@ export default function ReviewStep({
                 <div>
                   <p className="text-xs text-zinc-500 uppercase tracking-wider font-bold mb-1">Amount to Send</p>
                   <p className="text-3xl font-bold text-white">
-                    {amount.toLocaleString()} <span className="text-red-500">{currency}</span>
+                    {formattedAmount}
                   </p>
                 </div>
               </div>
@@ -107,7 +112,7 @@ export default function ReviewStep({
         </div>
 
         <div className="lg:flex-[1]">
-          <AutomaticSplitCard amount={amount} />
+          <AutomaticSplitCard amount={amount} currency={currency} />
         </div>
       </div>
     </div>
diff --git a/app/send/page.tsx b/app/send/page.tsx
index 166a403..a2705a7 100644
--- a/app/send/page.tsx
+++ b/app/send/page.tsx
@@ -8,6 +8,8 @@ import RecipientAddressInput from "./components/RecipientAddressInput";
 import AmountCurrencySection from "./components/AmountCurrencySection";
 import ReviewStep from "./components/ReviewStep";
 import TransactionSuccessReceipt from "@/components/TransactionSuccessReceipt";
+import { useClientLocale } from "@/lib/i18n/client";
+import { formatCurrency } from "@/lib/utils/format-currency";
 
 type Step = "recipient" | "amount" | "review";
 
@@ -34,6 +36,8 @@ export default function SendMoney() {
     setStep("review");
   };
 
+  const locale = useClientLocale();
+
   const handleConfirm = () => {
     // Simulate transaction processing
     const mockData = {
@@ -54,12 +58,13 @@ export default function SendMoney() {
     
     setTransactionData(mockData);
     setIsSubmitted(true);
+    const formattedAmount = formatCurrency(amount, currency, locale);
     toast({
       variant: "success",
       title: "Transfer submitted",
-      description: `Successfully sent ${amount} ${currency} to ${mockData.recipientAddress}.`,
+      description: `Successfully sent ${formattedAmount} to ${mockData.recipientAddress}.`,
     });
-    console.log(`Send ${amount} ${currency} to ${recipient}`);
+    console.log(`Send ${formattedAmount} to ${recipient}`);
   };
 
   return (
diff --git a/components/CurrentMoneySplitWidget.tsx b/components/CurrentMoneySplitWidget.tsx
index 668a307..91405ca 100644
--- a/components/CurrentMoneySplitWidget.tsx
+++ b/components/CurrentMoneySplitWidget.tsx
@@ -1,7 +1,12 @@
+"use client";
+
 import Link from 'next/link';
 import { Settings } from 'lucide-react';
+import { useClientLocale } from '@/lib/i18n/client';
+import { formatCurrency } from '@/lib/utils/format-currency';
 
 export default function CurrentMoneySplitWidget() {
+    const locale = useClientLocale();
     const allocations = [
         { label: 'Daily Spending', amount: 600, percentage: 50 },
         { label: 'Savings', amount: 360, percentage: 30 },
@@ -36,7 +41,7 @@ export default function CurrentMoneySplitWidget() {
                                 <span className="font-medium text-sm text-gray-100">{item.label}</span>
                             </div>
                             <div className="flex items-center gap-4">
-                                <span className="font-bold text-lg text-white">${item.amount}</span>
+                                <span className="font-bold text-lg text-white">{formatCurrency(item.amount, 'USD', locale)}</span>
                                 <span className="text-gray-600 text-sm font-medium w-8 text-right">{item.percentage}%</span>
                             </div>
                         </div>
diff --git a/components/TransactionSuccessReceipt.tsx b/components/TransactionSuccessReceipt.tsx
index dd0486b..193ab21 100644
--- a/components/TransactionSuccessReceipt.tsx
+++ b/components/TransactionSuccessReceipt.tsx
@@ -11,11 +11,12 @@ import {
   TrendingUp,
   FileText,
   Shield,
-  ArrowRight,
   ChevronRight,
   X
 } from "lucide-react";
 import Link from "next/link";
+import { useClientLocale } from "@/lib/i18n/client";
+import { formatCurrency } from "@/lib/utils/format-currency";
 
 interface SplitDetail {
   icon: React.ElementType;
@@ -54,6 +55,13 @@ export default function TransactionSuccessReceipt({
   onClose
 }: TransactionSuccessReceiptProps) {
   const [copied, setCopied] = useState(false);
+  const locale = useClientLocale();
+  const formattedAmount = formatCurrency(amount, currency, locale);
+  const formattedFee = formatCurrency(fee, currency, locale, {
+    minimumFractionDigits: 4,
+    maximumFractionDigits: 4,
+  });
+  const showCurrencyLabel = !formattedAmount.endsWith(` ${currency}`);
 
   const truncate = (str: string) =>
     `${str.substring(0, 6)}...${str.substring(str.length - 6)}`;
@@ -99,8 +107,10 @@ export default function TransactionSuccessReceipt({
           <div className="bg-white/5 border border-white/5 rounded-2xl p-6 text-center mb-8">
             <div className="text-sm text-gray-400 mb-1">Amount Sent</div>
             <div className="flex items-baseline justify-center gap-2">
-              <span className="text-4xl font-bold text-white">${amount.toFixed(2)}</span>
-              <span className="text-lg font-medium text-gray-500">{currency}</span>
+              <span className="text-4xl font-bold text-white">{formattedAmount}</span>
+              {showCurrencyLabel && (
+                <span className="text-lg font-medium text-gray-500">{currency}</span>
+              )}
             </div>
           </div>
 
@@ -119,7 +129,7 @@ export default function TransactionSuccessReceipt({
             </div>
             <div className="flex justify-between items-center text-sm">
               <span className="text-gray-500 font-medium">Network Fee</span>
-              <span className="text-white font-medium">${fee.toFixed(4)} {currency}</span>
+              <span className="text-white font-medium">{formattedFee}</span>
             </div>
             <div className="flex justify-between items-center text-sm">
               <span className="text-gray-500 font-medium">Transaction ID</span>
@@ -149,7 +159,7 @@ export default function TransactionSuccessReceipt({
                         <split.icon className="w-3.5 h-3.5 text-gray-400" />
                         <span className="text-gray-400">{split.label}</span>
                       </div>
-                      <span className="text-white font-bold">${split.amount.toFixed(2)}</span>
+                      <span className="text-white font-bold">{formatCurrency(split.amount, currency, locale)}</span>
                     </div>
                     <div className="h-1 w-full bg-white/5 rounded-full overflow-hidden">
                       <div 
diff --git a/lib/utils/format-currency.test.ts b/lib/utils/format-currency.test.ts
new file mode 100644
index 0000000..288cc3c
--- /dev/null
+++ b/lib/utils/format-currency.test.ts
@@ -0,0 +1,30 @@
+import { formatAmount, formatCurrency } from "./format-currency";
+
+describe("formatCurrency", () => {
+  it("formats USD with en-US locale", () => {
+    expect(formatCurrency(1234.5, "USD", "en-US")).toBe("$1,234.50");
+  });
+
+  it("formats negative values consistently", () => {
+    expect(formatCurrency(-9876.543, "USD", "en-US")).toBe("-$9,876.54");
+  });
+
+  it("formats zero values correctly", () => {
+    expect(formatCurrency(0, "USD", "en-US")).toBe("$0.00");
+  });
+
+  it("falls back for unknown stablecoin codes", () => {
+    expect(formatCurrency(1234.5, "USDC", "en-US")).toBe("1,234.50 USDC");
+  });
+
+  it("formats es locale using locale-specific separators", () => {
+    const result = formatCurrency(1234.5, "USD", "es-ES");
+    expect(result).toMatch(/1[.,\u202F]?234[.,]50/);
+  });
+});
+
+describe("formatAmount alias", () => {
+  it("behaves the same as formatCurrency", () => {
+    expect(formatAmount(1234.5, "USD", "en-US")).toBe(formatCurrency(1234.5, "USD", "en-US"));
+  });
+});
diff --git a/lib/utils/format-currency.ts b/lib/utils/format-currency.ts
new file mode 100644
index 0000000..84f6bda
--- /dev/null
+++ b/lib/utils/format-currency.ts
@@ -0,0 +1,55 @@
+export type FormatCurrencyOptions = {
+  locale?: string;
+  minimumFractionDigits?: number;
+  maximumFractionDigits?: number;
+};
+
+const DEFAULT_MINIMUM_FRACTION_DIGITS = 2;
+const DEFAULT_MAXIMUM_FRACTION_DIGITS = 2;
+
+function formatNumber(
+  amount: number,
+  locale: string,
+  minimumFractionDigits: number,
+  maximumFractionDigits: number
+) {
+  return new Intl.NumberFormat(locale, {
+    minimumFractionDigits,
+    maximumFractionDigits,
+  }).format(amount);
+}
+
+/**
+ * Formats a numeric amount for a locale and currency/asset code.
+ *
+ * Falls back to a plain localized number with a currency suffix when
+ * Intl does not recognize the currency code (for example, stablecoin codes).
+ */
+export function formatCurrency(
+  amount: number,
+  currency: string,
+  locale = "en",
+  options: FormatCurrencyOptions = {}
+): string {
+  const { minimumFractionDigits = DEFAULT_MINIMUM_FRACTION_DIGITS, maximumFractionDigits = DEFAULT_MAXIMUM_FRACTION_DIGITS } = options;
+  const normalizedCurrency = currency?.trim();
+  const resolvedLocale = locale || "en";
+
+  if (!normalizedCurrency) {
+    return formatNumber(amount, resolvedLocale, minimumFractionDigits, maximumFractionDigits);
+  }
+
+  try {
+    return new Intl.NumberFormat(resolvedLocale, {
+      style: "currency",
+      currency: normalizedCurrency,
+      minimumFractionDigits,
+      maximumFractionDigits,
+    }).format(amount);
+  } catch {
+    const formattedAmount = formatNumber(amount, resolvedLocale, minimumFractionDigits, maximumFractionDigits);
+    return `${formattedAmount} ${normalizedCurrency}`;
+  }
+}
+
+export const formatAmount = formatCurrency;
diff --git a/package-lock.json b/package-lock.json
index d95e5d8..467aee7 100644
--- a/package-lock.json
+++ b/package-lock.json
@@ -10865,6 +10865,7 @@
       "version": "2.3.3",
       "resolved": "https://registry.npmjs.org/fsevents/-/fsevents-2.3.3.tgz",
       "integrity": "sha512-5xoDfX+fL7faATnagmWPpbFtwh/R77WmMMqqHGS65C3vvB0YHrgF+B1YmZ3441tMj5n63k0212XNoJwzlhffQw==",
+      "dev": true,
       "hasInstallScript": true,
       "optional": true,
       "os": [
@@ -14227,6 +14228,7 @@
       "version": "2.3.2",
       "resolved": "https://registry.npmjs.org/fsevents/-/fsevents-2.3.2.tgz",
       "integrity": "sha512-xiqMQR4xAeHTuB9uWm+fFRcIOgKBMiOBP+eXiyT7jsgVCq1bkVygt00oASowB7EdtpOHaaPgKt812P9ab+DDKA==",
+      "dev": true,
       "hasInstallScript": true,
       "license": "MIT",
       "optional": true,