[Frontend] Separate server data from mutable UI state

[grantfox-oss]

Files affected : Frontend/src/stores/index.ts, Frontend/src/hooks/useVault.ts, Frontend/src/hooks/useWallet.ts, Frontend/src/lib/api.ts, Frontend/src/types/index.ts, Frontend/src/features/vaults/VaultList.tsx, Frontend/src/features/streaks/StreakTracker.tsx, Frontend/src/app/layout.tsx
Description: Zustand currently stores mutable vault balances, streaks, and discipline scores without caching, loading states, invalidation, or refresh behavior.
Acceptance criteria:

Introduce a server-state query/cache layer.

Invalidate financial data on wallet/account/network changes.

Persist only safe UI preferences, not financial source-of-truth data.

Eliminate race conditions between optimistic updates and refreshes.

[Divine-mercyx]

Hello, i would like to work on this pr

[Fabluchy]

I’m interested in contributing to this task because I enjoy improving application architecture and creating cleaner, more maintainable code. I have experience working with technical projects, analyzing requirements, and organizing information in a structured way. I’m comfortable reviewing existing code, understanding data flow, and implementing improvements that enhance reliability and user experience. I’d like to contribute by helping separate server data from mutable UI state, making the frontend easier to maintain and scale.

[Oluwasuyi-Oluwatimilehin-Daniel]

I’ve reviewed the details and feel confident that I can investigate and implement a solid solution for this. If this issue is currently unassigned and open for external contributors, could you please assign it to me? I will get started on a fix right away and submit a Pull Request as soon as it's ready. Please let me know if there are any specific guidelines or approaches you'd like me to follow for this particular task. Thanks.

[grantfox-oss]

🦊 GrantFox — @Fabluchy has been assigned to this issue as part of the Official Campaign | FWC26 campaign!

Next steps:

1. Open a Pull Request referencing this issue (e.g., Closes #19)
2. Your PR will be reviewed by the Vaulty-X maintainers

Good luck! Track your progress on GrantFox.