diff --git a/tools/getAccountInfo.test.ts b/tools/getAccountInfo.test.ts
new file mode 100644
index 00000000..6b8ada47
--- /dev/null
+++ b/tools/getAccountInfo.test.ts
@@ -0,0 +1,105 @@
+/**
+ * Unit tests for getAccountInfoTool
+ *
+ * Run with: npx jest tools/getAccountInfo.test.ts
+ */
+
+import { getAccountInfoTool } from "./getAccountInfo";
+
+// ── Helpers ────────────────────────────────────────────────────────────────
+
+const VALID_TESTNET_KEY = "GAAZI4TCR3TY5OJHCTJC2A4QSY6CJWJH5IAJTGKIN2ER7LBNVKOCCWN";
+const INVALID_KEY_SHORT  = "GABC123";
+const INVALID_KEY_WRONG_PREFIX = "XAAZI4TCR3TY5OJHCTJC2A4QSY6CJWJH5IAJTGKIN2ER7LBNVKOCCWN";
+const UNFUNDED_KEY = "GDQJUTQYK2MQX2VGDR2FYWLIYAQIEGXTQVTFEMGH532XDG3NH8QIXHF";
+
+// ── Schema Validation Tests ────────────────────────────────────────────────
+
+describe("getAccountInfoTool — schema validation", () => {
+  it("should reject a public key that is too short", async () => {
+    const result = await getAccountInfoTool.invoke({
+      publicKey: INVALID_KEY_SHORT,
+      network: "testnet",
+    });
+    // Zod will throw and LangChain surfaces it as an error string
+    expect(result).toMatch(/invalid/i);
+  });
+
+  it("should reject a public key that does not start with G", async () => {
+    const result = await getAccountInfoTool.invoke({
+      publicKey: INVALID_KEY_WRONG_PREFIX,
+      network: "testnet",
+    });
+    expect(result).toMatch(/invalid/i);
+  });
+
+  it("should default to testnet when network is omitted", async () => {
+    // We only test that the call doesn't crash due to missing network.
+    // The actual network response is tested in integration tests.
+    const schema = getAccountInfoTool.schema;
+    const parsed = schema.parse({ publicKey: VALID_TESTNET_KEY });
+    expect(parsed.network).toBe("testnet");
+  });
+});
+
+// ── Output Format Tests ────────────────────────────────────────────────────
+
+describe("getAccountInfoTool — output format", () => {
+  it("should include account header in successful response", async () => {
+    const result = await getAccountInfoTool.invoke({
+      publicKey: VALID_TESTNET_KEY,
+      network: "testnet",
+    });
+    // Whether the account exists or not, the response should be a non-empty string
+    expect(typeof result).toBe("string");
+    expect(result.length).toBeGreaterThan(0);
+  });
+
+  it("should return a descriptive message for an unfunded account", async () => {
+    const result = await getAccountInfoTool.invoke({
+      publicKey: UNFUNDED_KEY,
+      network: "testnet",
+    });
+    // Should mention the account doesn't exist or failed to fetch
+    expect(result).toMatch(/does not exist|not.*fund|failed/i);
+  });
+
+  it("should include 'testnet' in the response for testnet queries", async () => {
+    const result = await getAccountInfoTool.invoke({
+      publicKey: VALID_TESTNET_KEY,
+      network: "testnet",
+    });
+    // Either the account info header or the error message should mention testnet
+    expect(result).toMatch(/testnet/i);
+  });
+});
+
+// ── Tool Metadata Tests ────────────────────────────────────────────────────
+
+describe("getAccountInfoTool — metadata", () => {
+  it("should have the correct tool name", () => {
+    expect(getAccountInfoTool.name).toBe("get_account_info");
+  });
+
+  it("should have a non-empty description", () => {
+    expect(getAccountInfoTool.description.length).toBeGreaterThan(20);
+  });
+
+  it("should mention 'balance' in the description", () => {
+    expect(getAccountInfoTool.description.toLowerCase()).toContain("balance");
+  });
+
+  it("should accept mainnet as a valid network option", () => {
+    const schema = getAccountInfoTool.schema;
+    expect(() =>
+      schema.parse({ publicKey: VALID_TESTNET_KEY, network: "mainnet" })
+    ).not.toThrow();
+  });
+
+  it("should reject an unknown network value", () => {
+    const schema = getAccountInfoTool.schema;
+    expect(() =>
+      schema.parse({ publicKey: VALID_TESTNET_KEY, network: "devnet" })
+    ).toThrow();
+  });
+});
diff --git a/tools/getAccountInfo.ts b/tools/getAccountInfo.ts
new file mode 100644
index 00000000..75b615f0
--- /dev/null
+++ b/tools/getAccountInfo.ts
@@ -0,0 +1,184 @@
+import { DynamicStructuredTool } from "@langchain/core/tools";
+import { z } from "zod";
+import * as StellarSdk from "@stellar/stellar-sdk";
+
+/**
+ * Input schema for the getAccountInfo tool.
+ * Validates that a proper Stellar public key (G...) is supplied,
+ * and allows the caller to choose between testnet and mainnet.
+ */
+const GetAccountInfoSchema = z.object({
+  publicKey: z
+    .string()
+    .min(56)
+    .max(56)
+    .startsWith("G")
+    .describe(
+      "The Stellar public key (G... address) of the account to look up."
+    ),
+  network: z
+    .enum(["testnet", "mainnet"])
+    .default("testnet")
+    .describe("Which Stellar network to query. Defaults to testnet."),
+});
+
+/**
+ * Represents a single asset balance on a Stellar account.
+ */
+interface AssetBalance {
+  asset: string;       // "native" → XLM; otherwise "CODE:ISSUER"
+  balance: string;     // String to preserve decimal precision
+  limit?: string;      // Trustline limit (non-native assets only)
+}
+
+/**
+ * Structured result returned by getAccountInfo.
+ */
+interface AccountInfoResult {
+  publicKey: string;
+  sequence: string;
+  balances: AssetBalance[];
+  subentryCount: number;
+  isAuthRequired: boolean;
+  isAuthRevocable: boolean;
+  isAuthImmutable: boolean;
+  homeDomain?: string;
+  network: string;
+}
+
+/**
+ * Fetch full account information from the Stellar Horizon API.
+ *
+ * @param publicKey  - Stellar G-address
+ * @param network    - "testnet" | "mainnet"
+ * @returns Structured account info or a human-readable error string
+ */
+async function fetchAccountInfo(
+  publicKey: string,
+  network: "testnet" | "mainnet"
+): Promise<AccountInfoResult | string> {
+  const horizonUrl =
+    network === "mainnet"
+      ? "https://horizon.stellar.org"
+      : "https://horizon-testnet.stellar.org";
+
+  const server = new StellarSdk.Horizon.Server(horizonUrl);
+
+  try {
+    const account = await server.loadAccount(publicKey);
+
+    const balances: AssetBalance[] = account.balances.map((b) => {
+      if (b.asset_type === "native") {
+        return { asset: "XLM (native)", balance: b.balance };
+      }
+      // Type-safe narrowing: non-native balances always have asset_code + asset_issuer
+      const nonNative = b as StellarSdk.Horizon.HorizonApi.BalanceLine & {
+        asset_code: string;
+        asset_issuer: string;
+        limit: string;
+      };
+      return {
+        asset: `${nonNative.asset_code}:${nonNative.asset_issuer}`,
+        balance: nonNative.balance,
+        limit: nonNative.limit,
+      };
+    });
+
+    return {
+      publicKey,
+      sequence: account.sequence,
+      balances,
+      subentryCount: account.subentry_count,
+      isAuthRequired: account.flags.auth_required,
+      isAuthRevocable: account.flags.auth_revocable,
+      isAuthImmutable: account.flags.auth_immutable,
+      homeDomain: account.home_domain,
+      network,
+    };
+  } catch (err: unknown) {
+    // Horizon returns a structured error for unknown accounts
+    if (
+      err instanceof StellarSdk.Horizon.NetworkError &&
+      (err as unknown as { response?: { status: number } }).response?.status === 404
+    ) {
+      return `Account ${publicKey} does not exist on ${network}. It may not have been funded yet.`;
+    }
+    const message = err instanceof Error ? err.message : String(err);
+    return `Failed to fetch account info: ${message}`;
+  }
+}
+
+/**
+ * Format the account info result into a human-readable string
+ * suitable for use as a LangChain tool response.
+ */
+function formatResult(result: AccountInfoResult | string): string {
+  if (typeof result === "string") {
+    return result; // Already a human-readable error
+  }
+
+  const balanceLines = result.balances
+    .map((b) => {
+      const limitStr = b.limit ? ` (limit: ${b.limit})` : "";
+      return `  • ${b.asset}: ${b.balance}${limitStr}`;
+    })
+    .join("\n");
+
+  const flags = [
+    result.isAuthRequired ? "auth_required" : null,
+    result.isAuthRevocable ? "auth_revocable" : null,
+    result.isAuthImmutable ? "auth_immutable" : null,
+  ]
+    .filter(Boolean)
+    .join(", ") || "none";
+
+  return [
+    `═══ Stellar Account Info (${result.network}) ═══`,
+    `Public Key  : ${result.publicKey}`,
+    `Sequence    : ${result.sequence}`,
+    `Subentries  : ${result.subentryCount}`,
+    `Flags       : ${flags}`,
+    result.homeDomain ? `Home Domain : ${result.homeDomain}` : null,
+    ``,
+    `Balances:`,
+    balanceLines || "  (no balances found)",
+  ]
+    .filter((line) => line !== null)
+    .join("\n");
+}
+
+/**
+ * LangChain DynamicStructuredTool: getAccountInfo
+ *
+ * Allows an AI agent to look up any Stellar account's balances,
+ * sequence number, trustlines, and account flags before executing
+ * swaps, payments, or other DeFi operations.
+ *
+ * @example
+ * // Agent can call:
+ * // "Check the balance of GABC...XYZ on testnet"
+ * // → returns structured account info with all asset balances
+ */
+export const getAccountInfoTool = new DynamicStructuredTool({
+  name: "get_account_info",
+  description: `
+    Fetches complete information for a Stellar account including:
+    - All asset balances (XLM and any tokens/trustlines)
+    - Account sequence number
+    - Account flags (auth_required, auth_revocable, auth_immutable)
+    - Trustline limits for non-native assets
+    - Home domain (if set)
+
+    Use this tool BEFORE performing swaps, payments, or LP operations
+    to verify the account exists and has sufficient balance.
+
+    Supports both testnet and mainnet.
+  `.trim(),
+  schema: GetAccountInfoSchema,
+  func: async ({ publicKey, network }) => {
+    const result = await fetchAccountInfo(publicKey, network);
+    return formatResult(result);
+  },
+});
+
+export type { AccountInfoResult, AssetBalance };