Banking

Accounts first. Wallets second.

The primary mental model is Account → Money → Credit → Discovery → Intelligence. Wallet connectivity remains available, never the only door.

Cash

Fiat operating balances with institutional presentation.

Stable value rail for internet-native settlement.

Observed holdings with Credit-aware risk context.

Policies, limits, and counterparty thresholds.

Move, Pay, Receive, Convert — without forcing chain jargon.

Understand who you are dealing with before value moves.