diff --git a/src/components/BalanceList.tsx b/src/components/BalanceList.tsx
index 5f9f419..9885082 100644
--- a/src/components/BalanceList.tsx
+++ b/src/components/BalanceList.tsx
@@ -1,7 +1,7 @@
 import { useSorokit } from "@/context/useSorokit";
 import { Badge } from "@/components/ui/Badge";
 import { AssetBadge } from "@/components/AssetBadge";
-import { SkeletonRow } from "@/components/ui/Skeleton";
+import { AssetRowSkeleton } from "@/components/ui/Skeleton";
 import type { Balance } from "@/lib/client";
 
 function AssetRow({ b }: { b: Balance }) {
@@ -38,9 +38,9 @@ export function BalanceList() {
           Connect your wallet to view assets
         </p>
       ) : isLoadingAccount ? (
-        <div className="px-5 py-5 flex flex-col gap-4">
+        <div>
           {[1, 2, 3].map((i) => (
-            <SkeletonRow key={i} />
+            <AssetRowSkeleton key={i} />
           ))}
         </div>
       ) : balances.length === 0 ? (
diff --git a/src/components/index.ts b/src/components/index.ts
index e175083..2899fac 100644
--- a/src/components/index.ts
+++ b/src/components/index.ts
@@ -10,6 +10,7 @@ export {
 } from "./ui/Card";
 export { Badge } from "./ui/Badge";
 export { Input } from "./ui/Input";
+export { Skeleton, SkeletonRow, SkeletonCard, AssetRowSkeleton } from "./ui/Skeleton";
 export {
   Skeleton,
   SkeletonRow,
diff --git a/src/components/ui/Skeleton.test.tsx b/src/components/ui/Skeleton.test.tsx
index df4460d..e25f99f 100644
--- a/src/components/ui/Skeleton.test.tsx
+++ b/src/components/ui/Skeleton.test.tsx
@@ -1,5 +1,50 @@
 import { render, screen } from "@testing-library/react";
 import { describe, it, expect } from "vitest";
+import { Skeleton, SkeletonRow, SkeletonCard, AssetRowSkeleton } from "./Skeleton";
+
+describe("Skeleton components accessibility and structure", () => {
+  it("Skeleton has role='presentation'", () => {
+    const { container } = render(<Skeleton />);
+    const el = container.firstChild as HTMLElement;
+    expect(el).toHaveAttribute("role", "presentation");
+  });
+
+  it("SkeletonRow has role='presentation'", () => {
+    const { container } = render(<SkeletonRow />);
+    const el = container.firstChild as HTMLElement;
+    expect(el).toHaveAttribute("role", "presentation");
+  });
+
+  it("AssetRowSkeleton has role='presentation'", () => {
+    const { container } = render(<AssetRowSkeleton />);
+    const el = container.firstChild as HTMLElement;
+    expect(el).toHaveAttribute("role", "presentation");
+  });
+
+  it("SkeletonCard has role='status', aria-busy='true', and aria-label='Loading content'", () => {
+    render(<SkeletonCard />);
+    const el = screen.getByRole("status");
+    expect(el).toHaveAttribute("aria-busy", "true");
+    expect(el).toHaveAttribute("aria-label", "Loading content");
+  });
+
+  it("SkeletonCard accepts custom children override", () => {
+    render(
+      <SkeletonCard>
+        <div data-testid="custom-child">Custom Content</div>
+      </SkeletonCard>
+    );
+    expect(screen.getByTestId("custom-child")).toBeInTheDocument();
+    expect(screen.getByRole("status")).toHaveAttribute("aria-label", "Loading content");
+    // Default header should not render
+    expect(screen.queryByText("Stellar account details")).not.toBeInTheDocument();
+  });
+
+  it("SkeletonCard accepts custom structure override", () => {
+    render(
+      <SkeletonCard structure={<div data-testid="custom-structure">Custom Structure</div>} />
+    );
+    expect(screen.getByTestId("custom-structure")).toBeInTheDocument();
 import {
   Skeleton,
   SkeletonRow,
diff --git a/src/components/ui/Skeleton.tsx b/src/components/ui/Skeleton.tsx
index fef49e0..63e89eb 100644
--- a/src/components/ui/Skeleton.tsx
+++ b/src/components/ui/Skeleton.tsx
@@ -20,8 +20,13 @@ export function Skeleton({ circle, className, ...props }: SkeletonProps) {
 }
 
 /** Pre-composed row skeleton: icon + two lines of text */
-export function SkeletonRow({ className }: { className?: string }) {
+export function SkeletonRow({ className, ...props }: { className?: string; [key: string]: any }) {
   return (
+    <div
+      role="presentation"
+      className={cn("flex items-center gap-3", className)}
+      {...props}
+    >
     <div role="presentation" className={cn("flex items-center gap-3", className)}>
       <Skeleton circle className="w-9 h-9" />
       <div className="flex-1 flex flex-col gap-2">
@@ -32,6 +37,10 @@ export function SkeletonRow({ className }: { className?: string }) {
   );
 }
 
+interface SkeletonCardProps extends React.HTMLAttributes<HTMLDivElement> {
+  rows?: number;
+  structure?: React.ReactNode;
+  children?: React.ReactNode;
 /**
  * Pre-composed asset-row skeleton mirroring AssetRow's layout: an icon + two
  * text lines on the left, and a right-aligned balance/amount placeholder.
@@ -58,9 +67,57 @@ export function AssetRowSkeleton({ className }: { className?: string }) {
 }
 
 /** Pre-composed card skeleton: header + body lines */
-export function SkeletonCard({ rows = 3 }: { rows?: number }) {
+export function SkeletonCard({
+  rows = 3,
+  structure,
+  children,
+  className,
+  ...props
+}: SkeletonCardProps) {
+  return (
+    <div
+      role="status"
+      aria-busy="true"
+      aria-label="Loading content"
+      className={cn("rounded-xl border border-line bg-surface overflow-hidden", className)}
+      {...props}
+    >
+      {structure || children ? (
+        structure || children
+      ) : (
+        <>
+          <div className="px-5 py-4 border-b border-line flex flex-col gap-2">
+            <Skeleton className="h-4 w-32" />
+            <Skeleton className="h-3 w-48" />
+          </div>
+          <div className="px-5 py-5 flex flex-col gap-4">
+            {Array.from({ length: rows }).map((_, i) => (
+              <Skeleton key={i} className="h-4 w-full" />
+            ))}
+          </div>
+        </>
+      )}
+    </div>
+  );
+}
+
+/** Pre-composed row skeleton matching AssetRow layout exactly */
+export function AssetRowSkeleton({ className, ...props }: { className?: string; [key: string]: any }) {
   return (
     <div
+      role="presentation"
+      className={cn(
+        "flex items-center justify-between px-5 py-4 border-b border-line last:border-0",
+        className,
+      )}
+      {...props}
+    >
+      <div className="flex items-center gap-2.5">
+        <Skeleton circle className="w-8 h-8" />
+        <div className="flex flex-col gap-1 min-w-0">
+          <Skeleton className="h-3 w-12" />
+          <Skeleton className="h-2.5 w-24" />
+        </div>
       aria-busy="true"
       className="rounded-xl border border-line bg-surface overflow-hidden"
     >
@@ -73,6 +130,7 @@ export function SkeletonCard({ rows = 3 }: { rows?: number }) {
           <Skeleton key={i} className="h-4 w-full" />
         ))}
       </div>
+      <Skeleton className="h-3.5 w-16" />
     </div>
   );
 }