Choose an amount
Create a Note from your account by entering one amount. Your account supplies Reserve first and Settlement only for any remainder. There is no funding selector. Creation moves the approved amount into the Note only when issuance completes; a preview has no spendable value.
Three titles. One experience.
A Reserve Note carries proof-backed value. A Settlement Note carries proof-native value. When both contribute, a Settlement Reserve Note carries Proof-backed Native value. The original proof retains the exact split. Reserve dollars stay fixed; Settlement retains its exact Phi units and its dollar value follows the deterministic rate.
Send the addressed original
Ask the recipient for a receiving request. The resulting handover binds the original source to that recipient. Save and share the updated Note, rather than an earlier preview. A picture alone cannot change the destination, establish ownership or create another account credit.
One amount. Complete continuity.
Enter an amount; your account uses Reserve first and Settlement only for the remainder. A single source stays a Reserve Note or Settlement Note. When both contribute, one Settlement Reserve Note retains the exact split. Reserve dollars stay fixed; Settlement preserves its exact Phi. The original proof carries the funding sources, recipient-bound handover and once-only deposit receipt.
Using Notes offline
Create, receive, send and deposit through one interface. A completed account-destination Note can be verified and saved offline without receiver custody enrollment. Its value is shown as Received Notes; the exact deposit reconciles on connection before an account payment or a new Note uses that balance. Creating new spend authority offline requires conforming protected custody and already prepared resources. A copy cannot change the recipient or create another credit.
Device integration and availability
Conformance applies to the exact implementation, build, trust policy and recovery behavior. A device or browser path must demonstrate the standard, rather than rely on its name or advertised features. The opt-in device check is a nonfinancial diagnostic. The Conformance workspace publishes implementation responsibilities, original-proof formats, assessment boundaries and a request for the responsible platform team. Account receipt and connected creation are implemented in the v129 host composition. Physical-device and deployed financial qualification remain release requirements.
Keep a recoverable result
Retain the original Note, its receiving proof and any unfinished attempt. If issuance or deposit loses its response, resume that same operation. Do not discard an unknown funded result or clear device state to force a new attempt.
The qualification boundary
Connected creation uses Receiz’s once-only connected authorization and does not require a custody conformance Face ID prompt. Receiving and retaining a completed account-destination Note also requires no custody enrollment. Creating new spend authority fully offline requires conforming protected state and prepared resources. A device check is an optional diagnostic, not a payment or universal certification.
Reserve Note
Proof-backed value.
Settlement Note
Proof-native value.
Settlement Reserve Note
Proof-backed Native value.Illustrative $100 designs. Unissued specimens, with no spendable value.
Keep it with you.
Save the original note on your device. Its amount and carried history stay with you, even offline.
Give with confidence.
Send a funded Note addressed to your recipient. Your recipient can verify the original and see the history that comes with it.
Put it back to work.
Deposit a Note into your account. Ownership is checked before credit, so the same note cannot be credited twice.
Method, sources and assessment
This explanation describes the supported implementation. Exact protocol requirements come from the pinned Receiz contracts and original sources. A reference result does not qualify a production deployment or a physical device.