One account.
Three amounts of detail.
Some people want an app that shows a dollar balance and gets out of the way. Some want to see exactly which digital dollars they hold, and some want every network in view with their hand on the routing. Rather than guess which you are, the app has one setting and starts at the simplest.
Default
Plain dollars
Your balance is a dollar figure. Every digital dollar you hold is added up behind it, and no network is mentioned anywhere in the app. Sending, saving and spending all work without the word 'crypto' appearing once.
- $8.00
- One balance
- No networks
A step further
Your actual dollars
The same total, now itemised by what you are really holding — the specific dollar tokens and how much of each. Still no networks: which one a balance sits on stays the app's problem.
- USDC · USDT
- Still one total
- No networks
Everything
Every network
Each balance split by the network it is on, badges to match, and manual control over routing when you send. This is the view for someone who would otherwise be checking our work in a block explorer.
- Per network
- Network badges
- Manual routing
One setting, changed as often as you like. It is a display preference in the literal sense: the account underneath is identical in all three, and so is every address, balance and payment you have ever made.
One real difference
Everything above is presentation. This one is not.
The limit
The plain-dollars view never shows you your recovery phrase.
The twelve words that reach your money from any other wallet in the world exist regardless of which view you are on. In the default one, we do not offer them and do not ask you to write them down — for most people, a phrase they were made to record during setup is a phrase in a screenshot, which is worse than not having it. Getting back in is done with your passkey and recovery codes instead.
Switch to either of the other two and the phrase becomes available, behind your strongest security factor. If holding it yourself matters to you, that is the switch — and it is worth reading what that phrase can do in the wrong hands before you write it anywhere.
The questions people actually ask
Does switching move my money?
No. Nothing is converted, nothing is transferred, no address changes and no fee is charged. It is the same account with more or less of it on screen — closer to turning on a detailed view than to changing anything. You can switch back in the same number of taps.
Which one am I on?
The first one, unless you went looking. Everybody starts on the plain-dollars view, and most people never leave it, which is the intended outcome rather than a failure to discover a feature.
Why hide any of it?
Because the details are true and mostly useless while you are trying to pay someone. Which network a dollar is on has about the same relevance to your rent as which correspondent bank a wire passed through — real, occasionally important, and not something to put on the screen where the amount goes. Hidden is not the same as unavailable: one setting brings all of it back.
Is the detailed view for experts only?
It is for people who want it. Nothing breaks if you turn it on out of curiosity and nothing is at risk while you look around. The controls it adds — choosing a network by hand, seeing each balance separately — are all things you could have left to the app.
Keep reading
Who holds your money
What it means that the money is in your name, what we can never do to it, and the one case where that stops being the whole story.
How your account is protected
Passkeys, your PIN, two-factor, recovery codes and the list of devices signed in. What each one actually stops.
Networks and dollars
The four networks we settle on, the dollars we support, and why you are never asked to choose between them.
Who pays the network fee
Moving money on these networks costs something. Most of the time we pay it. Here is exactly when we stop.