diff --git a/fava_client.py b/fava_client.py
index df26f85..4aa7cd2 100644
--- a/fava_client.py
+++ b/fava_client.py
@@ -220,15 +220,12 @@ class FavaClient:
                         for cost_str, amount in sats_positions.items():
                             amount_int = int(amount)
 
-                            # Apply sign based on account type
-                            if "Payable" in account_name:
-                                # Liability: positive = castle owes user
-                                total_sats += amount_int
-                                account_balance["sats"] += amount_int
-                            elif "Receivable" in account_name:
-                                # Asset: positive = user owes castle (subtract from user balance)
-                                total_sats -= amount_int
-                                account_balance["sats"] -= amount_int
+                            # For user balance perspective, negate Beancount balance
+                            # - Payable (Liability): negative in Beancount → positive (castle owes user)
+                            # - Receivable (Asset): positive in Beancount → negative (user owes castle)
+                            adjusted_amount = -amount_int
+                            total_sats += adjusted_amount
+                            account_balance["sats"] += adjusted_amount
 
                             # Extract fiat amount from cost basis
                             # Format: "100.00 EUR" or "{100.00 EUR}"
@@ -243,23 +240,22 @@ class FavaClient:
                                         if fiat_currency not in fiat_balances:
                                             fiat_balances[fiat_currency] = Decimal(0)
 
-                                        # Apply same sign logic
-                                        if "Payable" in account_name:
-                                            fiat_balances[fiat_currency] += fiat_amount
-                                        elif "Receivable" in account_name:
-                                            fiat_balances[fiat_currency] -= fiat_amount
+                                        # Apply same sign adjustment to fiat
+                                        # Cost basis is always positive, derive sign from amount
+                                        if amount_int < 0:
+                                            fiat_amount = -fiat_amount
+                                        adjusted_fiat = -fiat_amount
+                                        fiat_balances[fiat_currency] += adjusted_fiat
                                     except (ValueError, IndexError):
                                         logger.warning(f"Could not parse cost basis: {cost_str}")
 
                     elif isinstance(sats_positions, (int, float)):
                         # Simple number (no cost basis)
                         amount_int = int(sats_positions)
-                        if "Payable" in account_name:
-                            total_sats += amount_int
-                            account_balance["sats"] += amount_int
-                        elif "Receivable" in account_name:
-                            total_sats -= amount_int
-                            account_balance["sats"] -= amount_int
+                        # Negate Beancount balance for user perspective
+                        adjusted_amount = -amount_int
+                        total_sats += adjusted_amount
+                        account_balance["sats"] += adjusted_amount
 
                 accounts.append(account_balance)
 
@@ -338,12 +334,10 @@ class FavaClient:
                         for cost_str, amount in sats_positions.items():
                             amount_int = int(amount)
 
-                            if "Payable" in account_name:
-                                user_data[user_id]["balance"] += amount_int
-                                account_info["sats"] += amount_int
-                            elif "Receivable" in account_name:
-                                user_data[user_id]["balance"] -= amount_int
-                                account_info["sats"] -= amount_int
+                            # Negate Beancount balance for user perspective
+                            adjusted_amount = -amount_int
+                            user_data[user_id]["balance"] += adjusted_amount
+                            account_info["sats"] += adjusted_amount
 
                             # Extract fiat
                             if cost_str and cost_str != "SATS":
@@ -357,21 +351,20 @@ class FavaClient:
                                         if fiat_currency not in user_data[user_id]["fiat_balances"]:
                                             user_data[user_id]["fiat_balances"][fiat_currency] = Decimal(0)
 
-                                        if "Payable" in account_name:
-                                            user_data[user_id]["fiat_balances"][fiat_currency] += fiat_amount
-                                        elif "Receivable" in account_name:
-                                            user_data[user_id]["fiat_balances"][fiat_currency] -= fiat_amount
+                                        # Apply sign from amount to fiat
+                                        if amount_int < 0:
+                                            fiat_amount = -fiat_amount
+                                        adjusted_fiat = -fiat_amount
+                                        user_data[user_id]["fiat_balances"][fiat_currency] += adjusted_fiat
                                     except (ValueError, IndexError):
                                         pass
 
                     elif isinstance(sats_positions, (int, float)):
                         amount_int = int(sats_positions)
-                        if "Payable" in account_name:
-                            user_data[user_id]["balance"] += amount_int
-                            account_info["sats"] += amount_int
-                        elif "Receivable" in account_name:
-                            user_data[user_id]["balance"] -= amount_int
-                            account_info["sats"] -= amount_int
+                        # Negate Beancount balance for user perspective
+                        adjusted_amount = -amount_int
+                        user_data[user_id]["balance"] += adjusted_amount
+                        account_info["sats"] += adjusted_amount
 
                 user_data[user_id]["accounts"].append(account_info)