The API said my wallet held zero. Two one-raw transfers proved it was reading a field the node never sent.

A public node proxy published receivable_raw as a constant zero: the node was asked without the flag that makes it answer, and the branch for unopened accounts carried no figure at all. Reproduced with two real 1-raw transfers, both routes disagreeing in the same minute, plus the four-line fix and the rule that catches the same shape anywhere.