diff --git a/docs/nwc-timeouts.md b/docs/nwc-timeouts.md
index 1d8421d..b4a59db 100644
--- a/docs/nwc-timeouts.md
+++ b/docs/nwc-timeouts.md
@@ -6,7 +6,7 @@ The wallet adapter adds an overall deadline: 15 seconds per read attempt and 45
 
 Normal NIP-47 wallet errors do not rebuild the shared relay connection: a wallet error proves a response arrived, and rebuilding could interrupt unrelated payments. Transport failures and timeouts, including the library's own timeout, still trigger recovery.
 
-CLI `/nwc/*` requests have a 120-second deadline covering headers and response-body consumption. Other daemon routes are not subject to this cap because mint payment operations may run longer and cannot be cancelled by aborting the CLI request.
+Every CLI daemon request has a deadline covering headers and response-body consumption: 120 seconds by default, and 600 seconds for value-moving wallet routes (`/wallet/send/*`, `/wallet/receive/*`), whose mint operations can legitimately run longer. Aborting the CLI request never cancels the daemon-side operation; the longer bound only delays how soon the CLI reports the stall.
 
 A payment timeout is an **unknown outcome**, not proof that no payment occurred. Promise deadlines do not cancel the underlying operation. Check the mint quote, wallet transactions, and Cashu balance before creating and paying another invoice.
 
diff --git a/src/daemon/wallet/index.nwc.test.ts b/src/daemon/wallet/index.nwc.test.ts
index 7cb86a1..3bbf064 100644
--- a/src/daemon/wallet/index.nwc.test.ts
+++ b/src/daemon/wallet/index.nwc.test.ts
@@ -1,6 +1,6 @@
 import { afterAll, beforeEach, describe, expect, it, mock } from "bun:test";
 import { RestrictedError } from "applesauce-wallet-connect/helpers/error";
-import type { CocodClient } from "./cocod-client";
+import type { WalletAdapterOptions } from "./index";
 
 /**
  * Regression tests for the NWC hang fixed in this change.
@@ -107,13 +107,19 @@ mock.module("applesauce-relay", () => ({ RelayPool: MockRelayPool }));
 
 const { createWalletAdapter } = await import("./index");
 
-function makeClient(): CocodClient {
+/**
+ * Type of the injected wallet client, derived from the adapter options so this
+ * test keeps compiling when the legacy `CocodClient` is replaced (see #118).
+ */
+type WalletClientOption = NonNullable<WalletAdapterOptions["walletClient"]>;
+
+function makeClient(): WalletClientOption {
   return {
     getBalances: async () => ({ "https://mint.example": 0 }),
     getDefaultMint: async () => "https://mint.example",
     receiveBolt11: async () => ({ invoice: "lnbc-test-invoice" }),
     receiveCashu: async () => "ok",
-  } as unknown as CocodClient;
+  } as unknown as WalletClientOption;
 }
 
 function makeAdapter(timeoutMs = 25) {
diff --git a/src/daemon/wallet/index.ts b/src/daemon/wallet/index.ts
index 58ee991..4a7d2fe 100644
--- a/src/daemon/wallet/index.ts
+++ b/src/daemon/wallet/index.ts
@@ -182,7 +182,7 @@ export async function createWalletAdapter(
       logger.warn(
         `[nwc] ${label} failed (${(error as Error).message}); rebuilding NWC connection and retrying`,
       );
-      rebuildNwcConnection("reconnected after timeout");
+      rebuildNwcConnection("reconnected after stall");
       const retry = wallet;
       if (!retry?.service) throw error;
       return await withTimeout(
@@ -211,7 +211,7 @@ export async function createWalletAdapter(
     } catch (error) {
       // Include the library's own timeout, but not normal wallet error replies.
       if (!(error instanceof WalletBaseError)) {
-        rebuildNwcConnection("reconnected after payment timeout");
+        rebuildNwcConnection("reconnected after payment stall");
       }
       throw error;
     }
diff --git a/src/utils/daemon-client.timeout.test.ts b/src/utils/daemon-client.timeout.test.ts
index c7e1b85..43f829c 100644
--- a/src/utils/daemon-client.timeout.test.ts
+++ b/src/utils/daemon-client.timeout.test.ts
@@ -1,21 +1,32 @@
 import { afterEach, describe, expect, test } from "bun:test";
-import { callDaemonUrl, DAEMON_REQUEST_TIMEOUT_MS } from "./daemon-client";
+import {
+  callDaemonUrl,
+  DAEMON_LONG_REQUEST_TIMEOUT_MS,
+  DAEMON_REQUEST_TIMEOUT_MS,
+} from "./daemon-client";
 import { DEFAULT_CONFIG } from "./config";
 
 const originalFetch = globalThis.fetch;
-const originalSetTimeout = globalThis.setTimeout;
-const originalClearTimeout = globalThis.clearTimeout;
+const originalAbortTimeout = AbortSignal.timeout;
+
+/** Deadline (ms) passed to AbortSignal.timeout by the last request. */
+let requestedDeadlines: number[] = [];
 
 afterEach(() => {
   globalThis.fetch = originalFetch;
-  globalThis.setTimeout = originalSetTimeout;
-  globalThis.clearTimeout = originalClearTimeout;
+  AbortSignal.timeout = originalAbortTimeout;
+  requestedDeadlines = [];
 });
 
+/**
+ * Record the requested deadline and arm a fast one instead, so tests do not
+ * wait out the real 120s/600s bounds.
+ */
 function shortenDeadline(): void {
-  globalThis.setTimeout = ((callback: (...args: unknown[]) => void, delay?: number, ...args: unknown[]) =>
-    originalSetTimeout(callback, delay === DAEMON_REQUEST_TIMEOUT_MS ? 20 : delay, ...args)
-  ) as typeof setTimeout;
+  AbortSignal.timeout = ((ms: number) => {
+    requestedDeadlines.push(ms);
+    return originalAbortTimeout(20);
+  }) as typeof AbortSignal.timeout;
 }
 
 function stalledResponse(status = 200): void {
@@ -33,7 +44,7 @@ function stalledResponse(status = 200): void {
 const request = (path = "/nwc/status") =>
   callDaemonUrl("http://daemon.example", path, {}, DEFAULT_CONFIG);
 
-describe("NWC daemon request deadline", () => {
+describe("daemon request deadline", () => {
   test("bounds the wait for response headers", async () => {
     shortenDeadline();
     globalThis.fetch = ((_input: string | URL | Request, init?: RequestInit) => new Promise((_resolve, reject) => {
@@ -50,26 +61,27 @@ describe("NWC daemon request deadline", () => {
     });
   }
 
-  test("does not impose the NWC deadline on mint payment routes", async () => {
-    let deadlines = 0;
-    globalThis.setTimeout = ((callback: (...args: unknown[]) => void, delay?: number, ...args: unknown[]) => {
-      if (delay === DAEMON_REQUEST_TIMEOUT_MS) deadlines++;
-      return originalSetTimeout(callback, delay, ...args);
-    }) as typeof setTimeout;
-    globalThis.fetch = (async () => Response.json({ output: "paid" })) as unknown as typeof fetch;
-    expect(await request("/wallet/send/bolt11")).toEqual({ output: "paid" });
-    expect(deadlines).toBe(0);
+  test("applies the default deadline to ordinary routes", async () => {
+    shortenDeadline();
+    globalThis.fetch = (async () => Response.json({ output: "ok" })) as unknown as typeof fetch;
+    expect(await request("/nwc/status")).toEqual({ output: "ok" });
+    expect(requestedDeadlines).toEqual([DAEMON_REQUEST_TIMEOUT_MS]);
   });
 
-  test("clears the deadline after consuming a successful response", async () => {
-    let cleared = 0;
-    globalThis.clearTimeout = ((timer) => {
-      cleared++;
-      originalClearTimeout(timer as ReturnType<typeof setTimeout>);
-    }) as typeof clearTimeout;
-    globalThis.fetch = (async () => Response.json({ output: "ok" })) as unknown as typeof fetch;
-    expect(await request()).toEqual({ output: "ok" });
-    expect(cleared).toBe(1);
+  for (const path of ["/wallet/send/bolt11", "/wallet/receive/cashu"]) {
+    test(`uses the long deadline for value-moving route ${path}`, async () => {
+      shortenDeadline();
+      globalThis.fetch = (async () => Response.json({ output: "paid" })) as unknown as typeof fetch;
+      expect(await request(path)).toEqual({ output: "paid" });
+      expect(requestedDeadlines).toEqual([DAEMON_LONG_REQUEST_TIMEOUT_MS]);
+    });
+  }
+
+  test("bounds a stalled body on a long-running route too", async () => {
+    shortenDeadline();
+    stalledResponse();
+    await expect(request("/wallet/send/bolt11")).rejects.toThrow("payment outcome is unknown");
+    expect(requestedDeadlines).toEqual([DAEMON_LONG_REQUEST_TIMEOUT_MS]);
   });
 
   test("preserves HTTP errors rather than labeling them connection failures", async () => {
diff --git a/src/utils/daemon-client.ts b/src/utils/daemon-client.ts
index c6fed08..fe763f0 100644
--- a/src/utils/daemon-client.ts
+++ b/src/utils/daemon-client.ts
@@ -57,12 +57,31 @@ class DaemonConnectionError extends Error {
 }
 
 /**
- * Upper bound for NWC requests, including response-body consumption.
- * Other routes can perform long-running mint payments; aborting the client
- * does not cancel those operations, so do not impose this cap on them.
+ * Upper bound for a single daemon request, including response-body
+ * consumption. The daemon bounds its own NWC operations, so this only guards
+ * against a wedged server; without it a hung request would block the CLI
+ * forever.
  */
 export const DAEMON_REQUEST_TIMEOUT_MS = 120_000;
 
+/**
+ * Upper bound for value-moving wallet routes. A cashu melt/swap can
+ * legitimately run longer than {@link DAEMON_REQUEST_TIMEOUT_MS} (the mint has
+ * no request timeout in routstrd), so these get a more generous bound that
+ * still prevents an indefinite CLI hang.
+ */
+export const DAEMON_LONG_REQUEST_TIMEOUT_MS = 600_000;
+
+/** Routes that may legitimately outlive the default request timeout. */
+const LONG_RUNNING_ROUTES = ["/wallet/send/", "/wallet/receive/"];
+
+function requestTimeoutMs(path: string): number {
+  const pathname = path.split("?")[0] ?? path;
+  return LONG_RUNNING_ROUTES.some((route) => pathname.startsWith(route))
+    ? DAEMON_LONG_REQUEST_TIMEOUT_MS
+    : DAEMON_REQUEST_TIMEOUT_MS;
+}
+
 export function getDaemonBaseUrl(config: RoutstrdConfig): string {
   if (config.daemonUrl) {
     return config.daemonUrl.replace(/\/$/, "");
@@ -106,40 +125,40 @@ export async function callDaemonUrl(
   if (authorization) headers.set("Authorization", authorization);
   if (bodyString) headers.set("Content-Type", "application/json");
 
-  const controller = new AbortController();
-  const timeoutId = path.startsWith("/nwc/")
-    ? setTimeout(() => controller.abort(), DAEMON_REQUEST_TIMEOUT_MS)
-    : undefined;
-  try {
-    let response: Response;
-    try {
-      response = await fetch(url, {
-        method,
-        headers,
-        body: bodyString,
-        signal: controller.signal,
-      });
-    } catch (error) {
-      if (controller.signal.aborted) throw error;
-      // Only connection failures qualify for alternate-host retries.
-      throw new DaemonConnectionError(error);
-    }
+  const timeoutMs = requestTimeoutMs(path);
+  const timeoutError = () =>
+    new Error(
+      `Daemon request timed out after ${timeoutMs / 1000}s; ` +
+        "any payment outcome is unknown — check before retrying",
+    );
+  // The signal stays armed while the body is read, so a daemon that sends
+  // headers and then stalls the body cannot hang the CLI either. Aborting
+  // here never cancels the daemon's operation — see timeoutError's warning.
+  const signal = AbortSignal.timeout(timeoutMs);
 
+  let response: Response;
+  try {
+    response = await fetch(url, {
+      method,
+      headers,
+      body: bodyString,
+      signal,
+    });
+  } catch (error) {
+    if (signal.aborted) throw timeoutError();
+    // Only connection failures qualify for alternate-host retries.
+    throw new DaemonConnectionError(error);
+  }
+
+  try {
     if (!response.ok) {
       const errorData = (await response.json()) as { error?: string };
       throw new Error(errorData.error || `HTTP ${response.status}`);
     }
-    return await response.json() as CommandResponse;
+    return (await response.json()) as CommandResponse;
   } catch (error) {
-    if (controller.signal.aborted) {
-      throw new Error(
-        `Daemon request timed out after ${DAEMON_REQUEST_TIMEOUT_MS / 1000}s; ` +
-        "any payment outcome is unknown — check before retrying",
-      );
-    }
+    if (signal.aborted) throw timeoutError();
     throw error;
-  } finally {
-    if (timeoutId !== undefined) clearTimeout(timeoutId);
   }
 }