A familiar starting point
Your account brings available money and its history into one place. Send an amount, receive a payment or create a Note without choosing a funding rail. The application selects available Reserve first, then Settlement for the remainder. The transaction proof preserves the exact composition underneath.
Available and received
A confirmed account balance and a Note received offline are different states. Received Notes retain the complete original proof on your device. Their deposits reconcile when connected before a payment or a new Note uses that value. The interface identifies received value without counting an unconfirmed deposit twice.
A balance with a moment
Your balance is shown with the time it was read. A retained observation can appear immediately when you reopen the account; the latest supported account read follows in the background. A saved display remains an observation of that moment, rather than a new authorization to spend.
Optional depth
Balance details explain Reserve, Settlement and the source moment. Reserve records proof-backed funds. Settlement records proof-native value in exact Phi units; its dollar presentation follows the supported conversion. Both belong to the same account and are counted once.
History you can inspect
Open an activity record to see its amount, participants, moment and carried source. For an asset transfer, compare its supported transfer-time valuation with its current value. A change in valuation is distinct from money entering or leaving the account.
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.