diff --git a/.env.local.example b/.env.local.example
index 0587ac9..8f514dd 100644
--- a/.env.local.example
+++ b/.env.local.example
@@ -1,6 +1,7 @@
 # Stellar Network Configuration
 NEXT_PUBLIC_STELLAR_NETWORK=testnet
 NEXT_PUBLIC_STELLAR_RPC_URL=https://soroban-testnet.stellar.org
+SOROBAN_NETWORK=testnet
 
 # Soroban Contract Addresses
 NEXT_PUBLIC_SAVINGS_GOALS_CONTRACT_ID=your_contract_id_here
diff --git a/docs/CONTRACT_INTEGRATION.md b/docs/CONTRACT_INTEGRATION.md
index 95bf75d..c250bd3 100644
--- a/docs/CONTRACT_INTEGRATION.md
+++ b/docs/CONTRACT_INTEGRATION.md
@@ -9,13 +9,20 @@ This document describes the server-side integration with the Soroban remittance_
 Add to your `.env.local`:
 
 ```bash
-STELLAR_NETWORK=testnet
-REMITTANCE_SPLIT_CONTRACT_ID=<your_deployed_contract_id>
+SOROBAN_NETWORK=testnet
+
+# Option A: per-network contract IDs
+REMITTANCE_SPLIT_CONTRACT_ID_TESTNET=<your_testnet_contract_id>
+REMITTANCE_SPLIT_CONTRACT_ID_MAINNET=<your_mainnet_contract_id>
+
+# Option B: single JSON value with network keys
+# CONTRACT_IDS_JSON={"testnet":{"REMITTANCE_SPLIT_CONTRACT_ID":"<id>"},"mainnet":{"REMITTANCE_SPLIT_CONTRACT_ID":"<id>"}}
 ```
 
 **Prerequisites:**
 - The remittance_split contract must be deployed on the specified network
-- The contract ID must be set in environment variables
+- `SOROBAN_NETWORK` must be set to `testnet` or `mainnet`
+- The contract ID must be configured for that network
 
 ## Contract Functions
 
@@ -85,7 +92,7 @@ Calculates split amounts for a given remittance amount.
 
 All endpoints handle the following errors:
 
-- **Contract not configured**: Returns 500 with message "REMITTANCE_SPLIT_CONTRACT_ID not configured"
+- **Contract not configured**: Returns 500 with message indicating the missing network-specific key (for example `REMITTANCE_SPLIT_CONTRACT_ID_TESTNET`)
 - **Contract not deployed**: Returns 404 with message "Split configuration not found"
 - **RPC errors**: Returns 500 with descriptive error message
 - **Invalid parameters**: Returns 400 with validation error
diff --git a/lib/contracts/README.md b/lib/contracts/README.md
index 9d9386e..1e686c0 100644
--- a/lib/contracts/README.md
+++ b/lib/contracts/README.md
@@ -16,3 +16,11 @@ Contract read/write layer for the family wallet functionality.
 - `checkSpendingLimit(...)` - Verify spending allowance
 
 See `/docs/FAMILY_WALLET_INTEGRATION.md` for complete documentation.
+
+## Contract ID Resolution
+
+Server-side contract integrations resolve contract IDs by `SOROBAN_NETWORK` (`testnet` or `mainnet`) via `lib/contracts/contract-id-resolver.ts`.
+
+Supported configuration:
+- Network-specific env vars (example: `REMITTANCE_SPLIT_CONTRACT_ID_TESTNET`, `REMITTANCE_SPLIT_CONTRACT_ID_MAINNET`)
+- `CONTRACT_IDS_JSON` with top-level `testnet` and `mainnet` keys
diff --git a/lib/contracts/contract-id-resolver.ts b/lib/contracts/contract-id-resolver.ts
new file mode 100644
index 0000000..390f5df
--- /dev/null
+++ b/lib/contracts/contract-id-resolver.ts
@@ -0,0 +1,94 @@
+export type SorobanNetwork = 'testnet' | 'mainnet';
+
+const SUPPORTED_NETWORKS: ReadonlyArray<SorobanNetwork> = ['testnet', 'mainnet'];
+
+const CONTRACT_ENV_KEYS = {
+  remittanceSplit: 'REMITTANCE_SPLIT_CONTRACT_ID',
+  savingsGoals: 'SAVINGS_GOALS_CONTRACT_ID',
+  billPayments: 'BILL_PAYMENTS_CONTRACT_ID',
+  insurance: 'INSURANCE_CONTRACT_ID',
+  familyWallet: 'FAMILY_WALLET_CONTRACT_ID',
+} as const;
+
+type ContractKey = keyof typeof CONTRACT_ENV_KEYS;
+
+function parseContractIdsJson(): Record<string, Record<string, string> | string> | null {
+  const raw = process.env.CONTRACT_IDS_JSON;
+  if (!raw) {
+    return null;
+  }
+
+  try {
+    const parsed = JSON.parse(raw) as unknown;
+    if (!parsed || typeof parsed !== 'object' || Array.isArray(parsed)) {
+      throw new Error('CONTRACT_IDS_JSON must be a JSON object');
+    }
+    return parsed as Record<string, Record<string, string> | string>;
+  } catch (error) {
+    throw new Error(
+      `Failed to parse CONTRACT_IDS_JSON: ${error instanceof Error ? error.message : 'Unknown parse error'}`
+    );
+  }
+}
+
+export function getSorobanNetwork(): SorobanNetwork {
+  const raw = (process.env.SOROBAN_NETWORK ?? 'testnet').toLowerCase();
+  if (raw !== 'testnet' && raw !== 'mainnet') {
+    throw new Error(
+      `Invalid SOROBAN_NETWORK "${raw}". Expected one of: ${SUPPORTED_NETWORKS.join(', ')}`
+    );
+  }
+  return raw;
+}
+
+export function resolveContractId(
+  envBaseKey: string,
+  network: SorobanNetwork = getSorobanNetwork()
+): string {
+  const normalizedBaseKey = envBaseKey.trim().toUpperCase();
+  const networkKey = `${normalizedBaseKey}_${network.toUpperCase()}`;
+
+  const networkSpecificEnv = process.env[networkKey];
+  if (networkSpecificEnv) {
+    return networkSpecificEnv;
+  }
+
+  const fromJson = parseContractIdsJson()?.[network];
+  if (fromJson && typeof fromJson === 'object' && !Array.isArray(fromJson)) {
+    const jsonNetworkValue = fromJson[networkKey] ?? fromJson[normalizedBaseKey];
+    if (typeof jsonNetworkValue === 'string' && jsonNetworkValue.length > 0) {
+      return jsonNetworkValue;
+    }
+  }
+
+  // Backward-compatible fallback to a single contract ID.
+  const fallback = process.env[normalizedBaseKey];
+  if (fallback) {
+    return fallback;
+  }
+
+  throw new Error(
+    `Contract ID not configured for ${normalizedBaseKey} on ${network}. ` +
+      `Set ${networkKey} or provide CONTRACT_IDS_JSON with a "${network}" key.`
+  );
+}
+
+export function getResolvedContractIdsForNetwork(
+  network: SorobanNetwork = getSorobanNetwork()
+): Record<ContractKey, string | null> {
+  return {
+    remittanceSplit: safeResolve(CONTRACT_ENV_KEYS.remittanceSplit, network),
+    savingsGoals: safeResolve(CONTRACT_ENV_KEYS.savingsGoals, network),
+    billPayments: safeResolve(CONTRACT_ENV_KEYS.billPayments, network),
+    insurance: safeResolve(CONTRACT_ENV_KEYS.insurance, network),
+    familyWallet: safeResolve(CONTRACT_ENV_KEYS.familyWallet, network),
+  };
+}
+
+function safeResolve(envBaseKey: string, network: SorobanNetwork): string | null {
+  try {
+    return resolveContractId(envBaseKey, network);
+  } catch {
+    return null;
+  }
+}
diff --git a/package-lock.json b/package-lock.json
index a3efa32..401a959 100644
--- a/package-lock.json
+++ b/package-lock.json
@@ -3121,6 +3121,13 @@
         "ppc64"
       ],
       "dev": true,
+      "license": "MIT"
+    },
+    "node_modules/bufferutil": {
+      "version": "4.1.0",
+      "resolved": "https://registry.npmjs.org/bufferutil/-/bufferutil-4.1.0.tgz",
+      "integrity": "sha512-ZMANVnAixE6AWWnPzlW2KpUrxhm9woycYvPOo67jWHyFowASTEd9s+QN1EIMsSDtwhIxN4sWE1jotpuDUIgyIw==",
+      "hasInstallScript": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -9120,6 +9127,19 @@
       "resolved": "https://registry.npmjs.org/cssesc/-/cssesc-3.0.0.tgz",
       "integrity": "sha512-/Tb/JcjK111nNScGob5MNtsntNM1aCNUDipB/TkwZFhyDrrE47SOx/18wF2bbjgc3ZzCSKW1T5nt5EbFoAz/Vg==",
       "dev": true,
+      "dependencies": {
+        "path-key": "^3.1.0",
+        "shebang-command": "^2.0.0",
+        "which": "^2.0.1"
+      },
+      "engines": {
+        "node": ">= 8"
+      }
+    },
+    "node_modules/crossws": {
+      "version": "0.3.5",
+      "resolved": "https://registry.npmjs.org/crossws/-/crossws-0.3.5.tgz",
+      "integrity": "sha512-ojKiDvcmByhwa8YYqbQI/hg7MEU0NC03+pSdEq4ZUnZR9xXpwk7E43SMNGkn+JxJGPFtNvQ48+vV2p+P1ml5PA==",
       "license": "MIT",
       "bin": {
         "cssesc": "bin/cssesc"
@@ -9275,10 +9295,7 @@
         "is-data-view": "^1.0.2"
       },
       "engines": {
-        "node": ">= 0.4"
-      },
-      "funding": {
-        "url": "https://github.com/sponsors/ljharb"
+        "node": ">=12"
       }
     },
     "node_modules/data-view-byte-length": {
@@ -9311,10 +9328,7 @@
         "is-data-view": "^1.0.1"
       },
       "engines": {
-        "node": ">= 0.4"
-      },
-      "funding": {
-        "url": "https://github.com/sponsors/ljharb"
+        "node": ">=12"
       }
     },
     "node_modules/dayjs": {
@@ -9419,6 +9433,17 @@
         "es-errors": "^1.3.0",
         "gopd": "^1.0.1"
       },
+      "peerDependenciesMeta": {
+        "babel-plugin-macros": {
+          "optional": true
+        }
+      }
+    },
+    "node_modules/deep-extend": {
+      "version": "0.6.0",
+      "resolved": "https://registry.npmjs.org/deep-extend/-/deep-extend-0.6.0.tgz",
+      "integrity": "sha512-LOHxIOaPYdHlJRtCQfDIVZtfw/ufM8+rVj649RIHzcm/vGwQRXFt6OPqIFWsm2XEMrNIEtWR64sY1LEKD2vAOA==",
+      "license": "MIT",
       "engines": {
         "node": ">= 0.4"
       },
@@ -9794,9 +9819,6 @@
       },
       "engines": {
         "node": ">= 0.4"
-      },
-      "funding": {
-        "url": "https://github.com/sponsors/ljharb"
       }
     },
     "node_modules/es-toolkit": {
@@ -9873,7 +9895,11 @@
       "resolved": "https://registry.npmjs.org/escalade/-/escalade-3.2.0.tgz",
       "integrity": "sha512-WUj2qlxaQtO4g6Pq5c29GTcWGDyd8itL8zTlipgECz3JesAiiOKotd8JU6otB3PACgG6xkJUyVhboMS+bje/jA==",
       "dev": true,
+      "hasInstallScript": true,
       "license": "MIT",
+      "bin": {
+        "esbuild": "bin/esbuild"
+      },
       "engines": {
         "node": ">=6"
       }
@@ -10474,6 +10500,17 @@
       "resolved": "https://registry.npmjs.org/events/-/events-3.3.0.tgz",
       "integrity": "sha512-mQw+2fkQbALzQ7V0MY0IqdnXNOeTtP4r0lN9z7AAawCXgqea7bDii20AYrIBrFd/Hx0M2Ocz6S111CaFkUcb0Q==",
       "license": "MIT",
+      "dependencies": {
+        "cross-spawn": "^7.0.3",
+        "get-stream": "^6.0.0",
+        "human-signals": "^2.1.0",
+        "is-stream": "^2.0.0",
+        "merge-stream": "^2.0.0",
+        "npm-run-path": "^4.0.1",
+        "onetime": "^5.1.2",
+        "signal-exit": "^3.0.3",
+        "strip-final-newline": "^2.0.0"
+      },
       "engines": {
         "node": ">=0.8.x"
       }
@@ -11409,7 +11446,8 @@
         "node": ">=8"
       },
       "funding": {
-        "url": "https://github.com/sponsors/sindresorhus"
+        "type": "github",
+        "url": "https://github.com/sponsors/wooorm"
       }
     },
     "node_modules/imurmurhash": {
@@ -11686,10 +11724,10 @@
         "has-tostringtag": "^1.0.2"
       },
       "engines": {
-        "node": ">= 0.4"
+        "node": ">=10"
       },
       "funding": {
-        "url": "https://github.com/sponsors/ljharb"
+        "url": "https://github.com/sponsors/sindresorhus"
       }
     },
     "node_modules/is-decimal": {
@@ -11821,7 +11859,6 @@
       "resolved": "https://registry.npmjs.org/is-number/-/is-number-7.0.0.tgz",
       "integrity": "sha512-41Cifkg6e8TylSpdtTpeLVMqvSBEVzTttHvERD741+pnZ8ANv0004MRL43QKPDlK9cGvNp6NZWZUBlbGXYxxng==",
       "dev": true,
-      "license": "MIT",
       "engines": {
         "node": ">=0.12.0"
       }
@@ -11858,7 +11895,6 @@
       "resolved": "https://registry.npmjs.org/is-regex/-/is-regex-1.2.1.tgz",
       "integrity": "sha512-MjYsKHO5O7mCsmRGxWcLWheFqN9DJ/2TmngvjKXihe6efViPqc274+Fx/4fYj/r03+ESvBdTXK0V6tA3rgez1g==",
       "dev": true,
-      "license": "MIT",
       "dependencies": {
         "call-bound": "^1.0.2",
         "gopd": "^1.2.0",
@@ -12000,10 +12036,7 @@
         "call-bound": "^1.0.3"
       },
       "engines": {
-        "node": ">= 0.4"
-      },
-      "funding": {
-        "url": "https://github.com/sponsors/ljharb"
+        "node": ">=10"
       }
     },
     "node_modules/is-weakset": {
@@ -12017,10 +12050,7 @@
         "get-intrinsic": "^1.2.6"
       },
       "engines": {
-        "node": ">= 0.4"
-      },
-      "funding": {
-        "url": "https://github.com/sponsors/ljharb"
+        "node": ">=8"
       }
     },
     "node_modules/isarray": {
@@ -12918,6 +12948,13 @@
       "license": "ISC",
       "optional": true
     },
+    "node_modules/json-stringify-safe": {
+      "version": "5.0.1",
+      "resolved": "https://registry.npmjs.org/json-stringify-safe/-/json-stringify-safe-5.0.1.tgz",
+      "integrity": "sha512-ZClg6AaYvamvYEE82d3Iyd3vSSIjQ+odgjaTzRuO3s7toCdFKczob2i0zCh7JE8kWn17yvAWhUVxvqGwUalsRA==",
+      "license": "ISC",
+      "optional": true
+    },
     "node_modules/json5": {
       "version": "2.2.3",
       "resolved": "https://registry.npmjs.org/json5/-/json5-2.2.3.tgz",
@@ -12980,7 +13017,7 @@
         "language-subtag-registry": "^0.3.20"
       },
       "engines": {
-        "node": ">=0.10"
+        "node": ">=6"
       }
     },
     "node_modules/leven": {
@@ -13058,6 +13095,37 @@
         "@types/trusted-types": "^2.0.2"
       }
     },
+    "node_modules/lit": {
+      "version": "3.3.0",
+      "resolved": "https://registry.npmjs.org/lit/-/lit-3.3.0.tgz",
+      "integrity": "sha512-DGVsqsOIHBww2DqnuZzW7QsuCdahp50ojuDaBPC7jUDRpYoH0z7kHBBYZewRzer75FwtrkmkKk7iOAwSaWdBmw==",
+      "license": "BSD-3-Clause",
+      "dependencies": {
+        "@lit/reactive-element": "^2.1.0",
+        "lit-element": "^4.2.0",
+        "lit-html": "^3.3.0"
+      }
+    },
+    "node_modules/lit-element": {
+      "version": "4.2.2",
+      "resolved": "https://registry.npmjs.org/lit-element/-/lit-element-4.2.2.tgz",
+      "integrity": "sha512-aFKhNToWxoyhkNDmWZwEva2SlQia+jfG0fjIWV//YeTaWrVnOxD89dPKfigCUspXFmjzOEUQpOkejH5Ly6sG0w==",
+      "license": "BSD-3-Clause",
+      "dependencies": {
+        "@lit-labs/ssr-dom-shim": "^1.5.0",
+        "@lit/reactive-element": "^2.1.0",
+        "lit-html": "^3.3.0"
+      }
+    },
+    "node_modules/lit-html": {
+      "version": "3.3.2",
+      "resolved": "https://registry.npmjs.org/lit-html/-/lit-html-3.3.2.tgz",
+      "integrity": "sha512-Qy9hU88zcmaxBXcc10ZpdK7cOLXvXpRoBxERdtqV9QOrfpMZZ6pSYP91LhpPtap3sFMUiL7Tw2RImbe0Al2/kw==",
+      "license": "BSD-3-Clause",
+      "dependencies": {
+        "@types/trusted-types": "^2.0.2"
+      }
+    },
     "node_modules/locate-path": {
       "version": "6.0.0",
       "resolved": "https://registry.npmjs.org/locate-path/-/locate-path-6.0.0.tgz",
@@ -14063,6 +14131,16 @@
         "node": ">=0.10.0"
       }
     },
+    "node_modules/path-is-absolute": {
+      "version": "1.0.1",
+      "resolved": "https://registry.npmjs.org/path-is-absolute/-/path-is-absolute-1.0.1.tgz",
+      "integrity": "sha512-AVbw3UJ2e9bq64vSaS9Am0fje1Pa8pbGqTTsmXfaIiMpnr5DlDhfJOuLj9Sf95ZPVDAUerDfEk88MPmPe7UCQg==",
+      "dev": true,
+      "license": "MIT",
+      "engines": {
+        "node": ">=0.10.0"
+      }
+    },
     "node_modules/path-key": {
       "version": "3.1.1",
       "resolved": "https://registry.npmjs.org/path-key/-/path-key-3.1.1.tgz",
@@ -14111,6 +14189,30 @@
       "dev": true,
       "license": "MIT"
     },
+    "node_modules/path-scurry": {
+      "version": "1.11.1",
+      "resolved": "https://registry.npmjs.org/path-scurry/-/path-scurry-1.11.1.tgz",
+      "integrity": "sha512-Xa4Nw17FS9ApQFJ9umLiJS4orGjm7ZzwUrwamcGQuHSzDyth9boKDaycYdDcZDuqYATXw4HFXgaqWTctW/v1HA==",
+      "dev": true,
+      "license": "BlueOak-1.0.0",
+      "dependencies": {
+        "lru-cache": "^10.2.0",
+        "minipass": "^5.0.0 || ^6.0.2 || ^7.0.0"
+      },
+      "engines": {
+        "node": ">=16 || 14 >=14.18"
+      },
+      "funding": {
+        "url": "https://github.com/sponsors/isaacs"
+      }
+    },
+    "node_modules/path-scurry/node_modules/lru-cache": {
+      "version": "10.4.3",
+      "resolved": "https://registry.npmjs.org/lru-cache/-/lru-cache-10.4.3.tgz",
+      "integrity": "sha512-JNAzZcXrCt42VGLuYz0zfAzDfAvJWW6AfYlDBQyDV5DClI2m5sAmK+OIO7s59XfsRsWHp02jAJrRadPRGTt6SQ==",
+      "dev": true,
+      "license": "ISC"
+    },
     "node_modules/picocolors": {
       "version": "1.1.1",
       "resolved": "https://registry.npmjs.org/picocolors/-/picocolors-1.1.1.tgz",
@@ -14134,7 +14236,6 @@
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       "dev": true,
-      "license": "MIT",
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@@ -14181,7 +14282,6 @@
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       "dev": true,
-      "license": "MIT",
       "engines": {
         "node": ">= 6"
       }
@@ -14226,6 +14326,106 @@
         "node": ">=8"
       }
     },
+    "node_modules/pkg-dir/node_modules/p-limit": {
+      "version": "2.3.0",
+      "resolved": "https://registry.npmjs.org/p-limit/-/p-limit-2.3.0.tgz",
+      "integrity": "sha512-//88mFWSJx8lxCzwdAABTJL2MyWB12+eIY7MDL2SqLmAkeKU9qxRvWuSyTjm3FUmpBEMuFfckAIqEaVGUDxb6w==",
+      "dev": true,
+      "license": "MIT",
+      "engines": {
+        "node": ">=6"
+      },
+      "funding": {
+        "url": "https://github.com/sponsors/sindresorhus"
+      }
+    },
+    "node_modules/pino": {
+      "version": "10.0.0",
+      "resolved": "https://registry.npmjs.org/pino/-/pino-10.0.0.tgz",
+      "integrity": "sha512-eI9pKwWEix40kfvSzqEP6ldqOoBIN7dwD/o91TY5z8vQI12sAffpR/pOqAD1IVVwIVHDpHjkq0joBPdJD0rafA==",
+      "license": "MIT",
+      "dependencies": {
+        "atomic-sleep": "^1.0.0",
+        "on-exit-leak-free": "^2.1.0",
+        "pino-abstract-transport": "^2.0.0",
+        "pino-std-serializers": "^7.0.0",
+        "process-warning": "^5.0.0",
+        "quick-format-unescaped": "^4.0.3",
+        "real-require": "^0.2.0",
+        "safe-stable-stringify": "^2.3.1",
+        "slow-redact": "^0.3.0",
+        "sonic-boom": "^4.0.1",
+        "thread-stream": "^3.0.0"
+      },
+      "bin": {
+        "pino": "bin.js"
+      }
+    },
+    "node_modules/pino-abstract-transport": {
+      "version": "2.0.0",
+      "resolved": "https://registry.npmjs.org/pino-abstract-transport/-/pino-abstract-transport-2.0.0.tgz",
+      "integrity": "sha512-F63x5tizV6WCh4R6RHyi2Ml+M70DNRXt/+HANowMflpgGFMAym/VKm6G7ZOQRjqN7XbGxK1Lg9t6ZrtzOaivMw==",
+      "license": "MIT",
+      "dependencies": {
+        "split2": "^4.0.0"
+      }
+    },
+    "node_modules/pino-std-serializers": {
+      "version": "7.1.0",
+      "resolved": "https://registry.npmjs.org/pino-std-serializers/-/pino-std-serializers-7.1.0.tgz",
+      "integrity": "sha512-BndPH67/JxGExRgiX1dX0w1FvZck5Wa4aal9198SrRhZjH3GxKQUKIBnYJTdj2HDN3UQAS06HlfcSbQj2OHmaw==",
+      "license": "MIT"
+    },
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