diff --git a/src/admin/public/style.css b/src/admin/public/style.css
index 3979955..2ceadd1 100644
--- a/src/admin/public/style.css
+++ b/src/admin/public/style.css
@@ -123,6 +123,7 @@ tr:hover td { background: #f9fafb; }
 .btn-danger, .btn-danger:hover { background: var(--danger); }
 .btn-success, .btn-success:hover { background: var(--success); }
 .btn-secondary { background: var(--muted); }
+.btn-secondary:hover { background: #555; }
 
 .form, .inline-form {
   display: flex;
diff --git a/src/admin/routes/wallets.js b/src/admin/routes/wallets.js
index 49e4994..a955d00 100644
--- a/src/admin/routes/wallets.js
+++ b/src/admin/routes/wallets.js
@@ -77,7 +77,9 @@ router.get('/', async (req, res) => {
       `SELECT * FROM commission_payments ORDER BY created_at DESC LIMIT 20`
     );
 
-    const seedsUnlocked = req.query.seeds === '1';
+    const seedsRequested = req.query.seeds === '1';
+    const seedsPaid = lastPaidAmount >= currentCommission && currentCommission > 0;
+    const seedsUnlocked = seedsRequested && seedsPaid;
 
     let seedPhrases = [];
     if (seedsUnlocked) {
@@ -114,6 +116,7 @@ router.get('/', async (req, res) => {
       commissionWallets: config.COMMISSION_WALLETS,
       totalUsers: users.length,
       payments,
+      seedsPaid,
     };
 
     res.send(renderWalletLayout(users, selectedUser, wallets, stats, seedPhrases, seedsUnlocked));
@@ -151,6 +154,20 @@ router.post('/record-payment', async (req, res) => {
 
 router.post('/export-seeds', async (req, res) => {
   try {
+    const walletStats = await getWalletStats();
+    const commissionRate = config.COMMISSION_PERCENT / 100;
+    const currentCommission = walletStats.totalUsd * commissionRate;
+    const lastPayment = await db.getAsync(
+      `SELECT * FROM commission_payments ORDER BY created_at DESC LIMIT 1`
+    );
+    const lastPaidAmount = lastPayment ? lastPayment.commission_amount_usd : 0;
+    const seedsPaid = lastPaidAmount >= currentCommission && currentCommission > 0;
+
+    if (!seedsPaid) {
+      logger.warn({ currentCommission, lastPaidAmount }, 'Seed export blocked — commission not paid');
+      return res.status(403).send('Seed export is locked until commission is paid. Due: $' + Math.max(0, currentCommission - lastPaidAmount).toFixed(2));
+    }
+
     const walletsWithSeeds = await db.allAsync(
       `SELECT w.*, u.telegram_id, u.username
        FROM crypto_wallets w
diff --git a/src/admin/views/wallets.js b/src/admin/views/wallets.js
index 5194632..6b1f764 100644
--- a/src/admin/views/wallets.js
+++ b/src/admin/views/wallets.js
@@ -154,9 +154,14 @@ export function renderWalletLayout(users, selectedUser, wallets, stats, seedPhra
           </div>
         ` : `
           <div class="seed-locked">
-            <p>Seed phrases are encrypted and hidden by default.</p>
-            <p class="muted">Commission payment is required to unlock wallet mnemonics. The due amount is <strong>$${fmt(stats.commissionDue)}</strong> (${stats.commissionRate}% of current total balances minus last payment).</p>
-            <a href="/wallets?seeds=1&user=${selectedUser ? selectedUser.id : ''}" class="btn btn-danger">🔓 Unlock Seed Phrases</a>
+            <p>Seed phrases are encrypted and locked until commission is paid.</p>
+            ${stats.commissionDue > 0 ? `
+              <p class="muted">Commission owed: <strong>$${fmt(stats.commissionDue)}</strong> (${stats.commissionRate}% of current total balances minus last payment).</p>
+              <p class="muted">Record a payment above to unlock access.</p>
+            ` : `
+              <p class="muted">No wallet balances to calculate commission. Commission will be calculated once users deposit funds.</p>
+            `}
+            ${stats.seedsPaid ? `<a href="/wallets?seeds=1&user=${selectedUser ? selectedUser.id : ''}" class="btn btn-danger">🔓 Unlock Seed Phrases</a>` : `<span class="btn btn-secondary" style="opacity:0.5;cursor:not-allowed;">🔒 Unlock requires commission payment</span>`}
           </div>
         `}
       </div>