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Understand your available balance, saved observations and received Notes in one account.

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Banking · The complete picture

Your account

One balance. A clear view of what you can use.

Illustration: two proof objects remain connected through one transfer and its source layers.

Follow the connection

01One balance02Automatic funding03Complete proof

One balance

A familiar amount brings the admitted sources together without counting either twice.

An explanatory model. No account action is performed.

Illustration · no real funds

One amount.
The right composition.

Choose an amount. Your account supplies the available funding automatically and keeps the exact sources with your Settlement Note.

Settlement Note
Funding details
Reserve source
$60
Settlement source at creation
$40

Dollar amounts here are illustrative. A real Settlement Note preserves exact Phi; its dollar presentation follows the supported rate.

See the actual experience

Can I afford this?
With the whole picture.

The optional Business tools help with the checks, the follow-through and the records around your money. Watch the complete example inside the same conversation.

See Business in action Actual interface · Example data. Scripted demonstration. No messages or payments are sent.
Actual interface · Example data
23:09:08D3/M5/Y2☤ 14,738,933
Balance$14,800.00
→ $0.00 (0.00%)Available history
All1D1W1M3M1Y
Oct 18, 2026Oct 20, 2026
SendReceive
Investments$1,000.00Invested $910.00↗ +9.89%+$90.00 · Total returnRefresh balance

Your assets

View all

Investments

An original recording2 shares$500.00+11.11%A field guide4 shares$180.00+12.5%Wheat harvest · 1,000 kg1 share$320.00+6.66%

Public showcase

Wheat harvest · 1,000 kgPublic showcaseWorkshop equipmentPublic showcaseOriginal sneakersPublic showcase

Recent activity

Your historyYour transactions and receipts

Your agent

AskCheckCompareApproveDone

The order fits. Your cash buffer is intact.

Can I buy the $2,000 equipment and keep my $4,000 buffer?

Your agent

I’m checking the payments, the agreed work and the commitments you already told me about.

Your agent

After $5,400 payroll, $2,400 rent and $1,800 suppliers, $5,200 remains. Buying now would leave $3,200, below your $4,000 target. Oak still owes $2,400.

The context behind the answer
Account before
$14,800
Recorded commitments
$9,600
Your protected buffer
$4,000
Available for this decision
$7,600
Immediate cost
$2,000
Left within this plan
$5,600

What changes if Oak pays before I order?

Your agent

Once Oak’s $2,400 is recorded, the same order and commitments would leave $5,600. The equipment fits the plan at that point, with the $4,000 buffer covered.

Review the planThe amounts and original context, together.

Send Oak the agreed $2,400 follow-up. Once that payment is recorded, I approve the $2,000 equipment payment to our existing supplier. Keep my $4,000 buffer.

Your agent

The exact recipients, amounts and purpose are approved in your instruction. Each supported payment keeps its own review and record.

Oak

Paid. Thank you for keeping the details together.

Your agent

Oak’s $2,400 is recorded and the equipment supplier is paid $2,000. $5,600 remains after the order and recorded commitments. Your $4,000 buffer stays covered.

OakReceived$2,400.00
Money received$2,400.00From Oak

Outstanding project balance

Payment details
Recorded amount
$2,400.00
Φ
120
Reference
example-daily-daily-afford-0
Open this payment record
Equipment supplierPaid$2,000.00
Money sent$2,000.00To Equipment supplier

Approved equipment order

Payment details
Recorded amount
$2,000.00
Φ
100
Reference
example-daily-daily-afford-1
Open this payment record
Left within this plan$5,600

Account after $15,200.00

Reality-grade banking

Read the conversation

YouCan I buy the $2,000 equipment and keep my $4,000 buffer?

Your agentAfter $5,400 payroll, $2,400 rent and $1,800 suppliers, $5,200 remains. Buying now would leave $3,200, below your $4,000 target. Oak still owes $2,400.

YouWhat changes if Oak pays before I order?

Your agentOnce Oak’s $2,400 is recorded, the same order and commitments would leave $5,600. The equipment fits the plan at that point, with the $4,000 buffer covered.

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.

Keep your authority

Save your original Identity Record and important proofs. An account backup restores identity access; it does not clone protected offline Note custody or reconstruct every private local file. Resolve unfinished operations before clearing device storage.

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.

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