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The indexer never updates escrow rows on terminal spends (Accept / Reclaim / Release consume the UTxO without producing a new escrow output), so /account summed rows whose funds had long moved and locked_in_escrow_lovelace over-reported for 35+ minutes after settlement. The account handler now verifies each active-state row's UTxO is still unspent (chain.queryUtxo) before counting it, capped at 32 lookups per request with the tail counted unverified. Unparseable refs and failed lookups count as live on purpose: errors inflate the figure rather than hide locked funds. supplier_bond stays in the sum - the buyer fronts all three legs at PostEscrow (see postEscrow.ts totalLocked), so it is the key's money while the escrow lives. Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>