JN Pay Wallet

One balance, three kinds of money. Crypto, a central bank digital currency and fiat are very different instruments, and a wallet that leads with that difference makes you do arithmetic before it answers anything. The total comes first; the breakdown sits one glance below it, still on the home screen.

The currency is chosen where the amount is typed. With three assets in the wallet, “how much” means nothing without “in what”. The selector sits directly under the figure rather than in an earlier step, so the two decisions that depend on each other are made in the same place.

The entire send is one screen. Recipient search, recent faces, amount, currency, note and keypad — with the commit button pinned to the bottom throughout. Nothing is a separate page, so nothing has to be navigated back to when you change your mind about the amount.

The confirmation is a receipt. Handle, note, date, time and a transaction ID, laid out to be screenshotted and used as proof. Regulated money needs a record, not a flourish — which is the opposite call from a casual peer-to-peer app, and the right one here.

The wallet address is a name. It reads @zack.magnum.324562 and sits beside phone number and email as simply another way to be reached. No hex string to copy carefully, no QR code required before anyone can pay you.