diff --git a/src/app_network.cpp b/src/app_network.cpp
index 62bc5f1..75915cc 100644
--- a/src/app_network.cpp
+++ b/src/app_network.cpp
@@ -716,6 +716,11 @@ void App::setCurrentPage(ui::NavPage page)
 
 bool App::shouldRefreshTransactions() const
 {
+    // NOTE: this is block-height / dirty driven, NOT interval-gated. It returns true only when a new
+    // block arrived (currentBlocks != last_tx_block_height_), the history was never fetched, or
+    // something marked it dirty (tab entry, a send, a reorg, etc.). The Transactions timer only
+    // controls how often this CHECK runs; between blocks the lightweight recent-poll
+    // (shouldRefreshRecentTransactions / TxAge) handles mempool + unconfirmed deltas instead.
     const int currentBlocks = state_.sync.blocks;
     return network_refresh_.shouldRefreshTransactions(last_tx_block_height_,
                                                         currentBlocks,
diff --git a/src/ui/windows/transactions_tab.cpp b/src/ui/windows/transactions_tab.cpp
index 1ace8f5..66aa85b 100644
--- a/src/ui/windows/transactions_tab.cpp
+++ b/src/ui/windows/transactions_tab.cpp
@@ -21,9 +21,11 @@
 #include "imgui.h"
 #include <algorithm>
 #include <cctype>
+#include <cstdint>
 #include <ctime>
 #include <cmath>
 #include <unordered_map>
+#include <vector>
 
 namespace dragonx {
 namespace ui {
@@ -369,8 +371,37 @@ void RenderTransactionsTab(App* app)
         // Two entries sharing the same txid where one is "send" and
         // one is "receive" to a z-address are combined into a single
         // "shield" entry.  We first index by txid, then build the list.
-        std::vector<DisplayTx> display_txns;
+        //
+        // This merge + sort is O(N log N) with several heap allocations, so it is MEMOIZED: it only
+        // rebuilds when the underlying transactions actually change, not every frame. The cache key
+        // is a cheap, allocation-free FNV-1a fingerprint over the fields that affect the displayed
+        // rows (count, last update time, and each tx's confirmations / timestamp / type+address
+        // first char). A new block bumps every confirmation, so the key changes and we rebuild;
+        // between changes (the common case while the user reads/scrolls) we reuse the cache. The
+        // result is already sorted newest-first by the refresh service, but we re-sort here to apply
+        // the "pending first" ordering — also folded into the memoized build.
+        static std::vector<DisplayTx> s_display_cache;
+        static std::uint64_t s_display_cache_key = 0;
+        static bool s_display_cache_valid = false;
+
+        std::uint64_t displayKey;
         {
+            std::uint64_t h = 1469598103934665603ULL;  // FNV-1a offset basis
+            auto mix = [&h](std::uint64_t v) { h = (h ^ v) * 1099511628211ULL; };
+            mix(state.transactions.size());
+            mix(static_cast<std::uint64_t>(state.last_tx_update));
+            for (const auto& t : state.transactions) {
+                mix(static_cast<std::uint64_t>(t.confirmations));
+                mix(static_cast<std::uint64_t>(t.timestamp));
+                mix(t.type.empty()    ? 0u : static_cast<unsigned char>(t.type[0]));
+                mix(t.address.empty() ? 0u : static_cast<unsigned char>(t.address[0]));
+            }
+            displayKey = h;
+        }
+
+        if (!s_display_cache_valid || displayKey != s_display_cache_key) {
+            s_display_cache.clear();
+            std::vector<DisplayTx>& display_txns = s_display_cache;
             // Map txid -> indices in state.transactions
             std::unordered_map<std::string, std::vector<size_t>> txid_map;
             for (size_t i = 0; i < state.transactions.size(); i++) {
@@ -445,8 +476,16 @@ void RenderTransactionsTab(App* app)
                     if (aPending != bPending) return aPending;
                     return a.timestamp > b.timestamp;
                 });
+
+            s_display_cache_key = displayKey;
+            s_display_cache_valid = true;
         }
 
+        // The merged + sorted list (rebuilt above only on change). Filtering/search/pagination below
+        // run per-frame over this cache — they're cheap (a linear scan) and depend on interactive
+        // filter/search state, so they are intentionally not memoized.
+        const std::vector<DisplayTx>& display_txns = s_display_cache;
+
         // Apply type + search filters
         std::vector<size_t> filtered_indices;
         for (size_t i = 0; i < display_txns.size(); i++) {