diff --git a/features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/entity/TangemPayDetailsStateFactory.kt b/features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/entity/TangemPayDetailsStateFactory.kt
index 9cc41144ee..735192a0ff 100644
--- a/features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/entity/TangemPayDetailsStateFactory.kt
+++ b/features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/entity/TangemPayDetailsStateFactory.kt
@@ -10,6 +10,7 @@ import com.tangem.core.ui.extensions.themedColor
 import com.tangem.core.ui.res.TangemTheme
 import com.tangem.core.ui.res.generated.icons.Icons
 import com.tangem.core.ui.res.generated.icons.ic_document_20
+import com.tangem.domain.models.StatusSource
 import com.tangem.domain.models.account.PaymentAccountStatusValue
 import com.tangem.domain.models.pay.TangemPayCard
 import com.tangem.domain.models.pay.TangemPayCardFrozenState
@@ -59,9 +60,11 @@ internal class TangemPayDetailsStateFactory(
     }
 
     fun getLoadedState(status: PaymentAccountStatusValue.Loaded): TangemPayDetailsUM {
+        val isFresh = status.source == StatusSource.ACTUAL && status.error == null
         val hasUnfrozenCard = status.cards.any { it.frozenState == TangemPayCardFrozenState.Unfrozen }
         val hasIssuingCard = status.cards.any { it.state == TangemPayCardState.Issuing }
-        val isAddCardEnabled = status.error == null && !hasIssuingCard
+        val isAddCardEnabled = isFresh && !hasIssuingCard
+        val areActionButtonsEnabled = isFresh && hasUnfrozenCard
         return TangemPayDetailsUM(
             topBarConfig = TangemPayDetailsTopBarConfig(
                 onBackClick = onBack,
@@ -74,7 +77,7 @@ internal class TangemPayDetailsStateFactory(
                 onRefresh = intents::onRefreshSwipe,
             ),
             balanceBlockState = TangemPayDetailsBalanceBlockState.Loading(
-                actionButtons = getActionButtonsConfig(isEnabled = status.error == null && hasUnfrozenCard),
+                actionButtons = getActionButtonsConfig(isEnabled = areActionButtonsEnabled),
                 cardsBlockState = TangemPayDetailsBalanceBlockState.CardsBlockState(
                     cards = status.cards
                         .let { if (isMultipleCardsEnabled) it else it.take(1) }
diff --git a/features/tangempay/details/impl/src/test/kotlin/com/tangem/features/tangempay/entity/TangemPayDetailsStateFactoryTest.kt b/features/tangempay/details/impl/src/test/kotlin/com/tangem/features/tangempay/entity/TangemPayDetailsStateFactoryTest.kt
new file mode 100644
index 0000000000..78e8ef491e
--- /dev/null
+++ b/features/tangempay/details/impl/src/test/kotlin/com/tangem/features/tangempay/entity/TangemPayDetailsStateFactoryTest.kt
@@ -0,0 +1,142 @@
+package com.tangem.features.tangempay.entity
+
+import com.google.common.truth.Truth.assertThat
+import com.tangem.domain.models.StatusSource
+import com.tangem.domain.models.account.PaymentAccountStatusValue
+import com.tangem.domain.models.pay.TangemPayCard
+import com.tangem.domain.models.pay.TangemPayCardFrozenState
+import com.tangem.domain.models.pay.TangemPayCardState
+import com.tangem.features.tangempay.utils.TangemPayDetailIntents
+import io.mockk.clearMocks
+import io.mockk.every
+import io.mockk.mockk
+import org.junit.jupiter.api.BeforeEach
+import org.junit.jupiter.api.Test
+import org.junit.jupiter.params.ParameterizedTest
+import org.junit.jupiter.params.provider.MethodSource
+
+internal class TangemPayDetailsStateFactoryTest {
+
+    private val intents: TangemPayDetailIntents = mockk(relaxed = true)
+
+    @BeforeEach
+    fun resetMocks() {
+        clearMocks(intents)
+    }
+
+    private val activeUnfrozenCard = TangemPayCard(
+        id = "card_1",
+        productInstanceId = "pi_card_1",
+        cardStatus = TangemPayCard.Status.ACTIVE,
+        hasPinCode = false,
+        displayName = null,
+        frozenState = TangemPayCardFrozenState.Unfrozen,
+        lastDigits = "1234",
+        limit = null,
+        state = TangemPayCardState.Active,
+    )
+
+    private fun createFactory() = TangemPayDetailsStateFactory(
+        onBack = {},
+        onOpenMenu = {},
+        intents = intents,
+        isRedesignEnabled = true,
+        isRemoveAccountEnabled = true,
+        isMultipleCardsEnabled = true,
+    )
+
+    private fun loadedStatus(
+        statusSource: StatusSource,
+        statusError: PaymentAccountStatusValue.Error?,
+        statusCards: List<TangemPayCard> = listOf(activeUnfrozenCard),
+    ): PaymentAccountStatusValue.Loaded = mockk(relaxed = true) {
+        every { source } returns statusSource
+        every { error } returns statusError
+        every { cards } returns statusCards
+    }
+
+    @ParameterizedTest
+    @MethodSource("provideButtonStateCases")
+    fun `GIVEN status source WHEN getLoadedState THEN buttons enabled only for actual data without error`(
+        case: ButtonStateCase,
+    ) {
+        // Arrange
+        val factory = createFactory()
+        val status = loadedStatus(statusSource = case.source, statusError = case.error)
+
+        // Act
+        val state = factory.getLoadedState(status)
+
+        // Assert
+        val actionButtonsEnabled = state.balanceBlockState.actionButtons.map { it.isEnabled }
+        assertThat(actionButtonsEnabled).containsExactly(case.expectedEnabled, case.expectedEnabled)
+        assertThat(state.balanceBlockState.cardsBlockState?.isAddCardEnabled).isEqualTo(case.expectedEnabled)
+    }
+
+    @Test
+    fun `GIVEN actual status with only frozen card WHEN getLoadedState THEN action buttons disabled`() {
+        // Arrange
+        val factory = createFactory()
+        val frozenCard = activeUnfrozenCard.copy(frozenState = TangemPayCardFrozenState.Frozen)
+        val status = loadedStatus(
+            statusSource = StatusSource.ACTUAL,
+            statusError = null,
+            statusCards = listOf(frozenCard),
+        )
+
+        // Act
+        val state = factory.getLoadedState(status)
+
+        // Assert
+        assertThat(state.balanceBlockState.actionButtons.map { it.isEnabled }).containsExactly(false, false)
+        assertThat(state.balanceBlockState.cardsBlockState?.isAddCardEnabled).isTrue()
+    }
+
+    @Test
+    fun `GIVEN actual status with issuing card WHEN getLoadedState THEN add card disabled`() {
+        // Arrange
+        val factory = createFactory()
+        val issuingCard = activeUnfrozenCard.copy(state = TangemPayCardState.Issuing)
+        val status = loadedStatus(
+            statusSource = StatusSource.ACTUAL,
+            statusError = null,
+            statusCards = listOf(activeUnfrozenCard, issuingCard),
+        )
+
+        // Act
+        val state = factory.getLoadedState(status)
+
+        // Assert
+        assertThat(state.balanceBlockState.cardsBlockState?.isAddCardEnabled).isFalse()
+    }
+
+    internal data class ButtonStateCase(
+        val source: StatusSource,
+        val error: PaymentAccountStatusValue.Error?,
+        val expectedEnabled: Boolean,
+    )
+
+    private companion object {
+        @JvmStatic
+        fun provideButtonStateCases() = listOf(
+            // Fresh data from the network -> actions allowed.
+            ButtonStateCase(source = StatusSource.ACTUAL, error = null, expectedEnabled = true),
+            // Cache restored from disk before a refresh confirms it -> actions blocked.
+            ButtonStateCase(source = StatusSource.CACHE, error = null, expectedEnabled = false),
+            // Internet unavailable, only cache left ([REDACTED_TASK_KEY] case 1) -> actions blocked.
+            ButtonStateCase(source = StatusSource.ONLY_CACHE, error = null, expectedEnabled = false),
+            // Expired refresh token, only cache left ([REDACTED_TASK_KEY] case 2) -> actions blocked.
+            ButtonStateCase(
+                source = StatusSource.ONLY_CACHE,
+                error = PaymentAccountStatusValue.Error.NotSynced,
+                expectedEnabled = false,
+            ),
+            // Transient error overlaid on actual data -> actions blocked.
+            ButtonStateCase(
+                source = StatusSource.ACTUAL,
+                error = PaymentAccountStatusValue.Error.Unavailable,
+                expectedEnabled = false,
+            ),
+        )
+    }
+}
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