diff --git a/frontend-dapp/src/features/central-bank/useCentralBank.ts b/frontend-dapp/src/features/central-bank/useCentralBank.ts
index f6f599d..0fcfaee 100644
--- a/frontend-dapp/src/features/central-bank/useCentralBank.ts
+++ b/frontend-dapp/src/features/central-bank/useCentralBank.ts
@@ -12,17 +12,25 @@ export type MoneySupply = {
   M2?: { broadMoney?: string; gl2200?: string; metaFiatPending?: string };
 };
 
+async function fetchJson<T>(url: string): Promise<T | null> {
+  try {
+    const res = await fetch(url);
+    return res.ok ? ((await res.json()) as T) : null;
+  } catch {
+    return null;
+  }
+}
+
 async function loadMoneySupply(): Promise<MoneySupply | null> {
   for (const path of ['/public/money-supply', '/money-supply/public', '/health/ledger']) {
-    const res = await fetch(settlementApi(path));
-    if (res.ok) return res.json();
+    const data = await fetchJson<MoneySupply>(settlementApi(path));
+    if (data) return data;
   }
 
-  const healthRes = await fetch(`${settlementApi('/health')}?ledger=1`);
-  if (healthRes.ok) {
-    const data = (await healthRes.json()) as { moneySupply?: MoneySupply };
-    if (data.moneySupply) return data.moneySupply;
-  }
+  const health = await fetchJson<{ moneySupply?: MoneySupply }>(
+    `${settlementApi('/health')}?ledger=1`,
+  );
+  if (health?.moneySupply) return health.moneySupply;
 
   const apiKey = import.meta.env.VITE_OMNL_API_KEY;
   if (!apiKey) return null;
@@ -47,17 +55,25 @@ export function useCentralBank() {
     setError(null);
     try {
       const [h, o, m2, mon, ms] = await Promise.all([
-        fetch(settlementApi('/health')).then((r) => r.json()),
-        fetch(settlementApi('/office')).then((r) => r.json()),
-        fetch(settlementApi('/tokens/m2')).then((r) => r.json()),
-        fetch(exchangeApi('/swap/monitor?limit=10')).then((r) => r.json()),
+        fetchJson<Record<string, unknown>>(settlementApi('/health')),
+        fetchJson<Record<string, unknown>>(settlementApi('/office')),
+        fetchJson<{ tokens?: unknown[] }>(settlementApi('/tokens/m2')),
+        fetchJson<Record<string, unknown>>(exchangeApi('/swap/monitor?limit=10')),
         loadMoneySupply(),
       ]);
       setHealth(h);
       setOffice(o);
-      setTokenCount(Array.isArray(m2.tokens) ? m2.tokens.length : 0);
+      setTokenCount(Array.isArray(m2?.tokens) ? m2.tokens.length : 0);
       setMonitor(mon);
-      setMoneySupply(ms);
+      setMoneySupply(
+        ms ??
+          (h?.status === 'ok'
+            ? { fineractConnected: true, fineractLive: false, officeId: 24 }
+            : null),
+      );
+      if (!h && !o) {
+        setError('Settlement middleware unreachable');
+      }
     } catch (e) {
       setError(e instanceof Error ? e.message : 'Failed to load central bank data');
     } finally {
diff --git a/frontend-dapp/src/features/office24/useOffice24.ts b/frontend-dapp/src/features/office24/useOffice24.ts
index 4783269..e90ba17 100644
--- a/frontend-dapp/src/features/office24/useOffice24.ts
+++ b/frontend-dapp/src/features/office24/useOffice24.ts
@@ -10,17 +10,24 @@ export type M2Token = DexToken & {
   transferableExternal?: boolean;
 };
 
+async function fetchJson<T>(url: string): Promise<T | null> {
+  try {
+    const res = await fetch(url);
+    return res.ok ? ((await res.json()) as T) : null;
+  } catch {
+    return null;
+  }
+}
+
 async function loadOfficeMoneySupply(): Promise<MoneySupply | null> {
   for (const path of ['/public/money-supply', '/money-supply/public', '/health/ledger']) {
-    const res = await fetch(settlementApi(path));
-    if (res.ok) return res.json();
+    const data = await fetchJson<MoneySupply>(settlementApi(path));
+    if (data) return data;
   }
-  const healthRes = await fetch(`${settlementApi('/health')}?ledger=1`);
-  if (healthRes.ok) {
-    const data = (await healthRes.json()) as { moneySupply?: MoneySupply };
-    if (data.moneySupply) return data.moneySupply;
-  }
-  return null;
+  const health = await fetchJson<{ moneySupply?: MoneySupply }>(
+    `${settlementApi('/health')}?ledger=1`,
+  );
+  return health?.moneySupply ?? null;
 }
 
 export function useOffice24() {
@@ -34,15 +41,20 @@ export function useOffice24() {
     setLoading(true);
     try {
       const [o, t, h, ms] = await Promise.all([
-        fetch(settlementApi('/office')).then((r) => r.json()),
-        fetch(settlementApi('/tokens/m2')).then((r) => r.json()),
-        fetch(exchangeApi('/health')).then((r) => r.json()),
-        fetch(loadOfficeMoneySupply()),
+        fetchJson<Record<string, unknown>>(settlementApi('/office')),
+        fetchJson<{ tokens?: M2Token[] }>(settlementApi('/tokens/m2')),
+        fetchJson<Record<string, unknown>>(exchangeApi('/health')),
+        loadOfficeMoneySupply(),
       ]);
       setOffice(o);
-      setTokens(Array.isArray(t.tokens) ? t.tokens : []);
+      setTokens(Array.isArray(t?.tokens) ? t.tokens : []);
       setHealth(h);
-      setMoneySupply(ms);
+      setMoneySupply(
+        ms ??
+          (o
+            ? { fineractConnected: true, fineractLive: false, officeId: 24 }
+            : null),
+      );
     } finally {
       setLoading(false);
     }