Makefile

@@ -1,6 +1,7 @@
 .PHONY: test-frontend
 
 test-frontend:
+	cd frontend/packages/sxchnge_wallet && flutter test
 	cd frontend/packages/sxchnge_kyc && flutter test
 	cd frontend/packages/sxchnge_analytics && flutter test
 	cd frontend/packages/sxchnge_auth && flutter test

README.md

@@ -172,8 +172,7 @@ limitations in the task and [implementation record](docs/implementation.md).
 
 ## Identity verification preview
 
-Open `/#/identity` or select **Explore verification & limits** from login or email
+Open `/#/identity` or use **Limits → Verify identity** in the workspace. The optional flow covers passport and selfie selection, review,
-confirmation. The optional flow covers passport and selfie selection, review,
 submission, pending review, approval, correction requests and denial in EN/RU.
 Use sample images only: photos are never uploaded and drafts are not persisted.
 
@@ -184,3 +183,20 @@ review decisions demonstrate the future backend contract. Higher limits apply
 only when returned by that service. Production review/storage/support and financial
 authorization are not connected. See the [UX plan](docs/ux/kyc.md) for state, error,
 privacy and measurement details.
+
+## Exchange workspace preview
+
+Choose **Explore your accounts** on login/email confirmation, or open `/#/accounts`.
+Currency cards show only available funds. Select an account, then top up, exchange
+or pay out through input → review → status. Review shows fees and actual debit and
+credit; status explains where the money is, including processing and failed returns.
+Activity, account balances and limits use one coherent demo ledger.
+
+Settings owns English/Russian account language. Limits links to optional KYC;
+no verification remains a valid account state with basic limits.
+
+The shared [wallet package](frontend/packages/sxchnge_wallet/README.md) is reusable
+by mobile clients. Transactions, rates, fees, recipients and profile storage are
+explicitly simulated and reset on reload. No real money moves. See the
+[workspace UX plan](docs/ux/exchange-workspace.md) and
+[implementation record](docs/implementation.md) for scope and validation.

docs/implementation.md

@@ -195,3 +195,42 @@ essential information, accessibility, and recovery. Documentation only.
 Validation: skill-creator `quick_validate.py` passed in an isolated environment
 with PyYAML (the system Python lacked it); `git diff --check` passed. No runtime
 tests were needed. The PR is not merged.
+
+## Exchange workspace — task #28
+
+- Branch `workspace-28`, stacked on `limits-22` / PR #23. Merge KYC #21 first,
+  then limits #23, then retarget this workspace contribution to main. The approved
+  plan from #24/#25 is included and updated for the user's available-only direction.
+- Implemented Accounts, Activity/detail, Limits and Settings in a responsive
+  go_router shell, with top-up, exchange and payout input/review/status flows.
+  One action group follows the selected currency; all colors use theme roles.
+  Only available balances are displayed. Status explains credit timing, outgoing
+  amount plus fee, completion and full return after failure.
+- Shared `sxchnge_wallet` service/providers own coherent demo balances, quotes,
+  idempotent submissions, reconciliation, history, account language and live
+  snapshot refresh. The limits adapter reuses the KYC DTO/mapper and refreshes
+  usage when operations change. Widgets consume provider models.
+- Language is in account settings, with failed-save feedback and retry. Public
+  auth and verified-email screens enter the workspace. KYC remains optional;
+  the demo service enforces its basic/verified outgoing caps at submission.
+- UX review: EN/RU at 320px with 1.6 text scaling; available-only presentation;
+  field preservation after errors; explicit draft discard; quote expiry;
+  loading/stale/empty states; operation outcome explanations; accessible labels,
+  semantic status announcements and focus after quote/errors. Browser walkthrough
+  verifies quote amounts and service-confirmed credit with the exchange handoff.
+  Native mobile and dedicated VoiceOver/TalkBack testing remain release QA.
+- Measurement review: typed draft/quote/submission/settlement steps with scoped
+  journey IDs, safe failure enums, simulated flag and deduplicated terminal
+  outcomes. No financial amounts, recipients or account IDs in events. Pending
+  app closure is not draft abandonment. Real PostHog delivery and cross-session
+  server outcomes remain integration work.
+- Validation passed: `make test-frontend` (115 tests), `flutter analyze` in app,
+  sxchnge_wallet, sxchnge_analytics and sxchnge_kyc; format check of all 36 changed
+  Dart files; `flutter build web`; `git diff --check`. Review fixes included
+  narrow Russian layouts, limit-provider typing, automatic pending refresh,
+  single-use quotes and ambiguous-response recovery. No security scan requested.
+- Demo limits: opening EUR 75, fixed rates/fees and three currencies, no real
+  payment methods/bank validation/storage/auth enforcement. Account preferences,
+  history and balances reset on reload. No receipt export, date pagination,
+  notification preferences or security settings beyond an honest capability note.
+  Backend adapters must supply these before production use; see the wallet README.

docs/ux/exchange-workspace.md

@@ -0,0 +1,409 @@
+# Exchange workspace — UX plan
+
+Task [#24](https://git.sendico.io/tech/sxchnge/issues/24). Approved plan; implementation tracked in task #28.
+
+## Product direction
+
+Make it easy to fund a currency account, exchange into another currency, and pay
+out. Accounts answer “what can I use?”, Activity answers “what happened?”, Limits
+answers “what can I do next?”, and Settings owns account preferences.
+
+A new user should see a clear first step: **Top up an account**. A funded user
+should be able to exchange or pay out from that account without navigating through
+settings or a generic dashboard. Unverified is a valid state with basic limits.
+KYC is offered when an upgrade is useful, not as a forced onboarding detour.
+
+Use the existing SXCHNGE theme, rounded surfaces, typography and semantic colors.
+Keep decoration secondary to balances, amounts, recipients and transaction terms.
+
+## Navigation and screen hierarchy
+
+| Destination | What it contains | Main next action |
+|---|---|---|
+| Accounts (default) | Currency accounts, available balances, recent activity, actionable pending items | Top up, exchange, pay out |
+| Currency account | Available balance, relevant activity and applicable limits | Act on this currency |
+| Activity | All operations, filters, search, processing items | Inspect an operation or resolve an actionable issue |
+| Limits | Current caps, used and available, period/reset information and upgrade benefits | Verify identity when useful |
+| Settings | Profile, language, security, notifications and help | Manage the account |
+
+Desktop: a persistent sidebar with **Accounts · Activity · Limits · Settings**.
+Mobile: the same four destinations in bottom navigation. Highlight the active
+section. Identity verification is reached from Limits and Settings; it does not
+need a separate primary navigation item.
+
+Top up, exchange and pay out are actions, not three competing dashboard tabs.
+On Accounts and currency-detail screens, put them beside the selected account on
+wide screens and in a clearly labeled action area beneath its balance on mobile.
+The transaction flow uses a focused page with Back and Close, a visible source
+account and a review step. Avoid full-screen wizard chrome on simple settings.
+
+Proposed routes, to be finalized during implementation:
+
+| Route | Purpose |
+|---|---|
+| `/accounts` | Overview |
+| `/accounts/:accountId` | Currency account detail |
+| `/top-up` | Account → method → instructions/payment → operation |
+| `/exchange` | Source/destination/amount → quote review → operation |
+| `/payout` | Account/method/recipient/amount → review → operation |
+| `/activity` | Operation list |
+| `/activity/:operationId` | Canonical operation detail |
+| `/limits` | Usage, constraints and KYC upgrade |
+| `/identity` | Existing identity verification flow |
+| `/settings` | Account settings |
+| `/settings/preferences` | Language and other supported preferences |
+| `/settings/security` | Supported security actions |
+
+Use opaque IDs in paths. Never put recipient details, document data, amounts,
+verification tokens or sensitive filter text into route parameters/history.
+URLs identify screens; providers hold transient input. Deep links to operation
+status must reload authorized service data, not depend on a previous screen.
+
+## Accounts overview
+
+The first viewport should show account balances and useful actions, rather than
+charts or promotional blocks.
+
+```text
+ACCOUNTS                                         Account menu
+
+Your accounts                 [Add currency account, if supported]
+[ EUR · available balance ] [ USD · available balance ] …
+
+Selected account: EUR
+Available: …
+[Top up] [Exchange] [Pay out]
+
+Action needed / in progress     (only when there is something useful to show)
+Recent activity                                       [See all]
+```
+
+- Each card shows currency code/name, available amount and a text status when
+  restricted. Do not rely on flags to identify currencies.
+- Show only available balances. Held/reserved/booked amounts are internal service
+  details, not customer-facing concepts. Backend balances remain authoritative.
+- Do not sum different currencies directly. A future total in a reporting currency
+  must be labeled estimated, with valuation currency/time and a service-provided
+  conversion. It is not needed for the first interface.
+- Zero balance: explain that the account is ready and make **Top up** primary.
+  Funded account: make **Exchange** primary, with Top up and Pay out visible.
+  Never rearrange actions while the user is interacting with them.
+- No accounts: offer account creation only if the backend supports it. Otherwise
+  explain provisioning status and provide Refresh/Help; do not invent accounts.
+- Partial failure: keep successfully loaded accounts usable. Mark stale balances,
+  offer refresh, and obtain fresh eligibility/quote data before execution.
+- Context travels into the flow: starting from EUR preselects EUR. Account switching
+  invalidates any quote and refreshes methods and eligibility.
+
+## Top-up journey
+
+**Outcome: funds are credited and become available**, not merely instructions shown
+or a payment button pressed.
+
+1. Choose the receiving account. If there is one eligible account, preselect it.
+2. Choose from service-provided methods. Show fees, minimum/maximum, expected timing
+   when supplied, and whether an external step is required. Do not advertise rails
+   that are not actually available.
+3. Collect only the fields required by the selected method. Amount is required
+   only when that method needs it. Validate currency precision and current bounds.
+4. Review what the user pays, fees, and what is expected to be credited. For bank
+   instructions, show exact destination/reference from the service with labeled
+   copy actions and “Copied” feedback. For redirects, explain the next step before
+   opening the provider. Never collect card details in generic custom fields.
+5. Create/continue the operation and show its canonical status. “Awaiting payment”
+   or “Processing” remains pending until the service confirms credit.
+6. On credit, refresh balances, usage and activity. Offer **Exchange this balance**
+   with the funded currency preselected, plus View account.
+
+Returned from a provider does not mean paid. Reconcile using the operation ID.
+Handle abandoned redirects, payment decline, expired instructions, wrong/partial
+amount, delayed credit and service failure with method-specific service responses.
+Do not invent a completion SLA. Never expose a “Mark paid” control as proof of funds.
+
+## Exchange journey
+
+**Outcome: the exchange is executed and both currency accounts reflect the result.**
+
+1. One composition screen: source account, destination currency/account, “You send”
+   and “You receive.” Clearly mark which amount is editable; editing the other
+   side requests a new quote if the backend supports receive-exact quotations.
+2. Show available source balance and eligibility near the input. Currency swap
+   exchanges the selection and invalidates the prior quote. Unsupported pairs are
+   explained before the review step. Offer Add account only if supported.
+3. Quote response owns the rate, fees, total debit, net credit, quote ID and expiry.
+   Show **1 source currency = … destination currency**, the actual debit and net
+   receipt; never bury fees behind an unexplained estimate.
+4. **Review exchange** summarizes both accounts, amounts, fees and rate. The final
+   button says **Exchange [amount/currency]**. Disable final execution while the
+   quote is missing, stale, expired or being refreshed, with a nearby reason.
+5. If terms change, show the new quote and require confirmation again. Never
+   silently execute a refreshed rate. Prevent double submission and reuse the
+   idempotency key when recovering the same request.
+6. Processing leads to operation detail. Only service-confirmed execution shows
+   **Exchange complete**. Refresh both accounts, activity and limits. Offer
+   **Pay out [destination currency]** and View account.
+
+“Max” must use a service-provided spendable amount inclusive of fees and applicable
+limits; do not assume the displayed balance can all be exchanged. If the amount is
+above the current permitted limit, show the actual blocker and an upgrade link only
+when KYC would help. Keep the entered amount when requesting a new quote.
+
+## Payout journey
+
+**Outcome: the payout reaches a service-confirmed terminal result.** Distinguish
+“submitted,” “sent” and “received” when those are separate states in the contract.
+
+1. Preselect the source currency account. Choose a supported payout method and an
+   existing recipient, or enter a new destination. Saved recipients are optional
+   future functionality; do not imply they exist without a service.
+2. Method-specific fields and validation come from the service contract. Clearly
+   identify the beneficiary/destination, bank or network when applicable. Do not
+   guess which currencies support which destination types.
+3. Enter amount; show fee, total debit, destination amount/currency, available funds,
+   limits and expected timing supplied by the backend.
+4. Review the recipient and full destination sufficiently to detect a mistake,
+   alongside the amount and costs. The final button says **Pay out [amount/currency]**.
+   Explain irreversibility where applicable; avoid a redundant confirmation dialog
+   after an already clear review page. Perform step-up authentication when required
+   by the backend, without losing the pending operation context.
+5. Show processing/status with a reference. Cancellation is offered only when the
+   service says the operation remains cancellable. If supported, confirm the
+   cancellation and refresh status rather than optimistically removing the payout.
+6. On confirmed success, show the outcome and account/activity links. A returned or
+   reversed payout remains visible with its own explanation and linked reversal.
+
+Insufficient funds should offer **Top up this account** or **Exchange into this
+currency**, preserving the draft locally. After funding, revalidate recipient,
+fees, available balance and limits before allowing submission. Never auto-submit.
+A transfer destination must never be included in analytics, logs or URLs.
+
+## Shared transaction states and recovery
+
+| State | User-facing behavior |
+|---|---|
+| Initial/draft | Clear primary action, no invented balances/rates |
+| Loading balance/methods/quote | Specific progress; keep unrelated navigation usable |
+| Validation issue | Inline field message and focus on first problem; preserve input |
+| Not eligible | Reason plus relevant next step: email, limits, account funding or support |
+| No supported method/pair | Explain unavailability; let user change the selection |
+| Quote expired | Keep input; request a new quote and require fresh confirmation |
+| Submission in progress | Prevent duplicate execution and show progress |
+| Connection lost after submit | “Checking the outcome”; retrieve by operation/idempotency ID, not a fresh submission |
+| Pending external/human processing | Status and next useful action; pending is not failure or abandonment |
+| Confirmed failure | Safe reason, support/reference where available; retry only when service permits |
+| Confirmed success | Authoritative receipt, refreshed balances/limits and useful next action |
+| Session expired | Reauthenticate and rehydrate operation status; do not retain sensitive fields in browser storage |
+
+Close/back preserves an in-memory draft for a clear session-scoped lifetime.
+Warn before discarding meaningful recipient/payment input. Quotes always expire
+independently of the draft. Hard reload can discard draft input; submitted operations
+must survive because they are reloaded from the backend. Logging out clears all
+account-scoped providers and drafts to prevent cross-account leakage.
+
+## Activity and operation detail
+
+Activity is the common destination for the outcome of every transaction flow.
+Show type, source/destination currencies, meaningful amount(s), time, status and
+reference. Exchanges are one parent operation showing both debit and credit, not
+two unrelated rows that look like duplicate transactions.
+
+- Filters: all/top-ups/exchanges/payouts, status, currency/account and date range.
+  Preserve filters when returning from a detail page. Provide Clear filters and
+  distinguish “no operations yet” from “no matching results” and a load failure.
+- Account-detail activity is the same view scoped to that account. Paginate with
+  stable service cursors; refresh without duplicating rows.
+- Detail includes status timeline, amount breakdown, fees, relevant destination,
+  timestamps, available receipt/reference and service-permitted actions.
+- Pending items show what is known and whether the user needs to act. Avoid endless
+  spinners or a fake percentage for external settlement.
+- **Try again** creates a new draft only after confirmed failure and backend
+  permission; never replays a consequential request from a history button.
+
+## Limits and identity
+
+Reuse the current KYC and usage work ([PR #21](https://git.sendico.io/tech/sxchnge/pulls/21),
+[PR #23](https://git.sendico.io/tech/sxchnge/pulls/23)). Limits must show used,
+reserved, available and caps for the relevant operation/currency/period. Include
+window/reset information only when supplied; do not imply a calendar reset for a
+rolling window. Preserve service ordering and applicability.
+
+The full page explains active tier and what verification would unlock. Transaction
+forms show the relevant constraint in context and link to that page. A KYC upgrade
+must not claim to resolve insufficient funds, an unsupported method or an unrelated
+restriction. Submission/pending review does not increase limits; refetch the actual
+backend projection after any decision.
+
+## Account settings and language
+
+**Language belongs to the account.** Remove page-level language selectors from the
+main workspace and identity pages. Settings → Preferences contains English/Russian
+with one clear selected value. Change language without resetting drafts or filters.
+
+- Profile service owns `preferredLocale`; an account provider loads and updates it.
+  Device storage is a cache/guest fallback, not the source of truth for a signed-in
+  account. Use an injectable stub until profile endpoints are available.
+- On sign-in, the server preference takes precedence. Before account creation,
+  use browser/device locale plus a remembered guest preference. If a guest needs
+  a manual override, expose it once through the auth shell's settings/help entry,
+  not on every login/verification page.
+- On save failure, clearly state “Not saved to your account,” retain the choice for
+  the current session and offer Retry. Do not report a successful account update.
+- Server-provided human-readable labels must be fetched for the selected language;
+  preserve stable IDs and in-progress inputs. Avoid mixed-language stale responses.
+- Security settings show only capabilities actually implemented (password change,
+  sessions, MFA when supported). Do not present decorative toggles as protection.
+- Identity status is linked here but managed in the existing verification flow.
+  Notification preferences require a real preference service; support has a genuine
+  destination before production. No placeholder action should pretend to complete.
+
+## Service and architecture boundaries
+
+Keep shared DTO → mapper → service → model → provider ownership for future mobile
+reuse. Widgets consume provider state; they do not compute financial outcomes.
+Proposed domains, not speculative API endpoints:
+
+| Domain service | Owns authoritative data |
+|---|---|
+| Accounts | Account IDs, currencies, booked/available/held balances, status |
+| Funding | Eligible methods, instructions, fees, top-up creation/status |
+| Exchange | Pair eligibility, quotes/expiry, idempotent execution |
+| Payout | Method/recipient validation, quotes, submission and permissible actions |
+| Operations | History, canonical status, references, receipts and reconciliation |
+| Limits | Applicable caps, committed/reserved usage, remaining and upgrade projection |
+| Profile | Account preferences including language |
+
+Use currency-aware decimal/minor-unit values with currency precision metadata;
+never floating-point money or a universal two-decimal assumption. Balance held
+amounts and limits reserved usage are different concepts, even when values match.
+Backend authorization and limit reservations remain necessary at execution time.
+A visible balance, valid quote or frontend KYC state cannot authorize a payment.
+
+For the demo, shared stub state must be coherent across screens: exchange affects
+both balances; pending payouts hold capacity; failures release simulated holds
+where appropriate; activity and limits reflect the same simulated operation.
+Never mix a simulated transaction with a live success claim. Avoid seeded history
+that contradicts displayed balances or usage without explaining the fixtures.
+
+## Responsiveness, accessibility and trust
+
+- Mobile: one-column forms and review summaries; no horizontal table required to
+  complete a task. Wide screens may place quote summary beside input.
+- Large values and long beneficiary names wrap safely. Use EN/RU, realistic currency
+  precision and text scaling in design/test fixtures.
+- Monetary fields identify currency and precision; keyboard input accepts the active
+  locale's decimal separator without silently altering value. Avoid formatting the
+  value under the user's cursor on every keystroke.
+- Provide labeled 48px targets, visible keyboard focus and predictable focus after
+  validation/navigation. Statuses have text/icons, never color alone.
+- Announce meaningful quote/state changes, not every countdown tick. Honor reduced
+  motion. An expiry countdown accompanies a clear expired state.
+- Mask sensitive destinations in lists, reveal enough in explicit review/detail
+  to verify them. No session replay/autocapture on money, recipient or identity forms.
+- Keep unrelated accounts/history accessible during a pending operation. Do not
+  block the whole product behind an exchange spinner.
+
+## Journey measurement plan
+
+Reuse the typed analytics abstraction and maintain a separate journey per active
+transaction draft. Random journey IDs correlate steps; opaque operation IDs link
+accepted requests to server outcomes. Retries reuse the journey and idempotency
+lineage. Never capture amount, balance, currency-account IDs, recipient, form input,
+URLs or raw exceptions in client UX events by default.
+
+| Journey | Start | Useful states | Actual success |
+|---|---|---|---|
+| Top up | User begins funding | Method ready, instructions/payment ready, accepted/pending, failure | Service-confirmed credit |
+| Exchange | User begins exchange | Valid quote, reviewed, accepted/pending, expired/failure | Service-confirmed execution |
+| Payout | User begins payout | Valid destination/quote, reviewed, accepted/pending, failure | Contract-defined confirmed payout outcome |
+
+Measure start-to-acceptance and acceptance-to-terminal conversion separately. Use
+one count per journey for draft conversion and one per operation for financial
+outcomes. Track review-to-submit drop-off, quote expiry, recoverable failure rate,
+time to acceptance and server time to terminal outcome. Classify failures with safe
+enums, such as insufficient funds, limits, expired quote, unavailable method,
+session and service error; emitted events must have a concrete diagnostic use.
+
+An explicit draft discard or 30 minutes of settled inactivity is draft abandonment.
+Changing tabs while preserving a draft is not immediate abandonment. Accepted
+operations leave the draft abandonment window and remain pending until authoritative
+status; app closure must not fabricate failure. Multi-session reconciliation and
+server-side outcome events are required before claiming production funnel coverage.
+Deduplicate by event/operation identity. Analytics errors must not delay execution.
+
+Account/language preference updates reuse profile outcome signals; do not add
+click events for every setting, card or navigation tab. Simulated events are always
+flagged and excluded from real transaction/verification conversion dashboards.
+
+## Implementation sequence after approval
+
+1. **Shared workspace foundation:** accounts/operations/profile contracts and coherent
+   stubs, shell/routes, account overview/detail, Activity/detail, account language
+   provider/settings. Move language selectors into settings. Preserve auth/email
+   and existing identity/limits navigation.
+2. **Top-up vertical slice:** method/instruction/review/status, balance refresh and
+   an exchange handoff. Include cancellation, pending and failed outcomes.
+3. **Exchange vertical slice:** input/quote/review, expiry, idempotent execution,
+   coherent balances/history/usage and payout handoff.
+4. **Payout vertical slice:** method/destination/review, step-up contract hooks,
+   reconciliation and confirmed failure/return paths.
+5. **Integrated review:** cross-flow drafts, limits/KYC return paths, language changes,
+   responsive/keyboard/screen-reader checks, shared-service tests and semantic event
+   assertions. Complete each slice's tests as it is built, not only at the end.
+
+Actual supported currencies/rails, account provisioning, fee/rate policies,
+recipient requirements, cancellation and support contracts must come from backend
+capabilities. Demo fixtures can illustrate them but must be labeled and isolated.
+Real execution is outside this UX-plan task.
+
+## Plan acceptance and validation boundary
+
+The plan connects all requested areas and defines optional KYC, usage, language
+ownership, consequential review, state recovery, privacy and measurement. Before
+calling implementation complete, walk: new account → top up → exchange → payout →
+Activity; pending/unknown outcome recovery; exceeded limits → KYC → resume/requote;
+and locale change with a preserved draft. Test stale/out-of-order responses,
+repeated submit, expired quote, zero balances, no methods, denied KYC, and logout.
+
+This document is a design deliverable, not evidence that these screens exist or
+that accessibility/payment flows have been tested. Existing demo implementation
+and pending PRs remain unchanged by this task.
+
+## Implementation simplification — user direction for #28
+
+Only available balances are shown. Customer limits show used and available, with
+no held/reserved breakdown or explanatory jargon. Keep four navigation destinations
+and straightforward input → review → result flows. Demo funding/payout methods
+are explicitly simulated, not representations of live supported rails.
+
+## Implemented demo scope — #28
+
+Four primary destinations and three transaction journeys are implemented. The
+single demo method needs no method picker; top-up and exchange collect an amount,
+payout additionally collects sample destination text. Review shows fees, source
+debit, destination credit and rate. There are no live payment instructions,
+redirects, saved recipients, security controls or notification preferences.
+Settings implements account language and links to identity. Unsupported production
+capabilities remain future work, not decorative controls.
+
+Pending top-up: money has not reached available balance. Pending outgoing: total
+amount plus fee has left available balance, and processing continues. Completed
+exchange/top-up: destination balance is credited. Failed outgoing: amount plus fee
+is available again. These explanations appear on canonical operation detail.
+Pending snapshots refresh automatically across screens; refresh failures mark data
+potentially stale. The limits service independently supplies usage and remaining.
+The customer sees aggregate consumed capacity and available capacity, not internal
+reservations.
+
+Activity offers kind/status/currency filters and reference search; operation detail
+is deep-linkable while the demo session exists. Date filtering, pagination,
+receipts, persistent history, actual reset timestamps and production support await
+backend contracts. Transient drafts survive pushed settings/limits screens and
+locale changes; closing a draft requires discard confirmation. Browser reload
+resets the entire demo and is not durable recovery.
+
+Measurement uses existing random journey IDs and typed quote/submission/settlement
+steps. Only service-confirmed terminal status closes the transaction outcome.
+Accepted operations are excluded from draft-abandonment on app disposal. Actual
+server events, persistent reconciliation and cross-session conversion remain
+integration gaps. No automatic click tracking, replay or financial data collection
+is introduced.

frontend/app/lib/auth/form.dart

@@ -311,8 +311,8 @@ class _AuthFormState extends State<AuthForm> {
         ],
         const SizedBox(height: 20),
         TextButton(
-          onPressed: () => context.goNamed(AppRoutes.identity),
+          onPressed: () => context.go('/accounts'),
-          child: Text(l.kycPreview),
+          child: Text(l.wEnter),
         ),
         Wrap(
           alignment: WrapAlignment.center,

frontend/app/lib/auth/page.dart

@@ -1,12 +1,14 @@
 import 'package:flutter/material.dart';
 
+import 'package:go_router/go_router.dart';
+
 import 'package:sxchnge_theme/sxchnge_theme.dart';
 
-import '../widgets/locale.dart';
-
 import 'brand_panel.dart';
 import 'form.dart';
 
+import '../generated/i18n/app_localizations.dart';
+
 class AuthPage extends StatefulWidget {
   const AuthPage({super.key});
 
@@ -36,9 +38,12 @@ class _AuthPageState extends State<AuthPage> {
                   child: Column(
                     crossAxisAlignment: CrossAxisAlignment.stretch,
                     children: [
-                      const Align(
+                      Align(
                         alignment: Alignment.centerRight,
-                        child: LocaleSelector(),
+                        child: TextButton(
+                          onPressed: () => context.push('/settings'),
+                          child: Text(AppLocalizations.of(context)!.wSettings),
+                        ),
                       ),
                       const SizedBox(height: 16),
                       if (!wide) ...[

frontend/app/lib/generated/i18n/app_localizations.dart

@@ -1021,6 +1021,528 @@ abstract class AppLocalizations {
   /// In en, this message translates to:
   /// **'No capacity available'**
   String get kycNoCapacity;
+
+  /// No description provided for @wAccounts.
+  ///
+  /// In en, this message translates to:
+  /// **'Accounts'**
+  String get wAccounts;
+
+  /// No description provided for @wActivity.
+  ///
+  /// In en, this message translates to:
+  /// **'Activity'**
+  String get wActivity;
+
+  /// No description provided for @wLimits.
+  ///
+  /// In en, this message translates to:
+  /// **'Limits'**
+  String get wLimits;
+
+  /// No description provided for @wSettings.
+  ///
+  /// In en, this message translates to:
+  /// **'Settings'**
+  String get wSettings;
+
+  /// No description provided for @wHeadline.
+  ///
+  /// In en, this message translates to:
+  /// **'Your money.\nYour next move.'**
+  String get wHeadline;
+
+  /// No description provided for @wSubheading.
+  ///
+  /// In en, this message translates to:
+  /// **'Top up. Exchange. Go further.'**
+  String get wSubheading;
+
+  /// No description provided for @wAvailable.
+  ///
+  /// In en, this message translates to:
+  /// **'Available to you'**
+  String get wAvailable;
+
+  /// No description provided for @wTopUp.
+  ///
+  /// In en, this message translates to:
+  /// **'Top up'**
+  String get wTopUp;
+
+  /// No description provided for @wExchange.
+  ///
+  /// In en, this message translates to:
+  /// **'Exchange'**
+  String get wExchange;
+
+  /// No description provided for @wPayout.
+  ///
+  /// In en, this message translates to:
+  /// **'Pay out'**
+  String get wPayout;
+
+  /// No description provided for @wRecent.
+  ///
+  /// In en, this message translates to:
+  /// **'Recent activity'**
+  String get wRecent;
+
+  /// No description provided for @wSeeAll.
+  ///
+  /// In en, this message translates to:
+  /// **'See all'**
+  String get wSeeAll;
+
+  /// No description provided for @wEmptyActivity.
+  ///
+  /// In en, this message translates to:
+  /// **'Your next move starts here. Your transactions will appear below.'**
+  String get wEmptyActivity;
+
+  /// No description provided for @wEmptyAccounts.
+  ///
+  /// In en, this message translates to:
+  /// **'Your accounts are not ready yet. Try refreshing.'**
+  String get wEmptyAccounts;
+
+  /// No description provided for @wRefresh.
+  ///
+  /// In en, this message translates to:
+  /// **'Refresh'**
+  String get wRefresh;
+
+  /// No description provided for @wDemo.
+  ///
+  /// In en, this message translates to:
+  /// **'Demo workspace · No real money moves.'**
+  String get wDemo;
+
+  /// No description provided for @wSource.
+  ///
+  /// In en, this message translates to:
+  /// **'From account'**
+  String get wSource;
+
+  /// No description provided for @wDestination.
+  ///
+  /// In en, this message translates to:
+  /// **'To account'**
+  String get wDestination;
+
+  /// No description provided for @wReceiveAccount.
+  ///
+  /// In en, this message translates to:
+  /// **'Receiving account'**
+  String get wReceiveAccount;
+
+  /// No description provided for @wAmount.
+  ///
+  /// In en, this message translates to:
+  /// **'Amount'**
+  String get wAmount;
+
+  /// No description provided for @wRecipient.
+  ///
+  /// In en, this message translates to:
+  /// **'Recipient'**
+  String get wRecipient;
+
+  /// No description provided for @wRecipientHint.
+  ///
+  /// In en, this message translates to:
+  /// **'Sample recipient — demo only'**
+  String get wRecipientHint;
+
+  /// No description provided for @wReview.
+  ///
+  /// In en, this message translates to:
+  /// **'Review'**
+  String get wReview;
+
+  /// No description provided for @wReviewTitle.
+  ///
+  /// In en, this message translates to:
+  /// **'One last look.'**
+  String get wReviewTitle;
+
+  /// No description provided for @wFee.
+  ///
+  /// In en, this message translates to:
+  /// **'Fee'**
+  String get wFee;
+
+  /// No description provided for @wTotalDebit.
+  ///
+  /// In en, this message translates to:
+  /// **'Leaves your account'**
+  String get wTotalDebit;
+
+  /// No description provided for @wCredit.
+  ///
+  /// In en, this message translates to:
+  /// **'Arrives in your account'**
+  String get wCredit;
+
+  /// No description provided for @wRecipientGets.
+  ///
+  /// In en, this message translates to:
+  /// **'Recipient receives'**
+  String get wRecipientGets;
+
+  /// No description provided for @wYouPay.
+  ///
+  /// In en, this message translates to:
+  /// **'You pay'**
+  String get wYouPay;
+
+  /// No description provided for @wRate.
+  ///
+  /// In en, this message translates to:
+  /// **'Exchange rate'**
+  String get wRate;
+
+  /// No description provided for @wQuoteNotice.
+  ///
+  /// In en, this message translates to:
+  /// **'These terms are valid for 60 seconds. Confirm them before continuing.'**
+  String get wQuoteNotice;
+
+  /// No description provided for @wExpired.
+  ///
+  /// In en, this message translates to:
+  /// **'This quote expired. Refresh it and review the new terms.'**
+  String get wExpired;
+
+  /// No description provided for @wNewQuote.
+  ///
+  /// In en, this message translates to:
+  /// **'Refresh quote'**
+  String get wNewQuote;
+
+  /// No description provided for @wConfirm.
+  ///
+  /// In en, this message translates to:
+  /// **'Confirm demo transaction'**
+  String get wConfirm;
+
+  /// No description provided for @wEdit.
+  ///
+  /// In en, this message translates to:
+  /// **'Edit details'**
+  String get wEdit;
+
+  /// No description provided for @wClose.
+  ///
+  /// In en, this message translates to:
+  /// **'Close'**
+  String get wClose;
+
+  /// No description provided for @wWorking.
+  ///
+  /// In en, this message translates to:
+  /// **'Working on it…'**
+  String get wWorking;
+
+  /// No description provided for @wPending.
+  ///
+  /// In en, this message translates to:
+  /// **'Processing'**
+  String get wPending;
+
+  /// No description provided for @wCompleted.
+  ///
+  /// In en, this message translates to:
+  /// **'Completed'**
+  String get wCompleted;
+
+  /// No description provided for @wFailed.
+  ///
+  /// In en, this message translates to:
+  /// **'Not completed'**
+  String get wFailed;
+
+  /// No description provided for @wPendingTopUp.
+  ///
+  /// In en, this message translates to:
+  /// **'Your top-up is processing. Your available balance has not changed yet.'**
+  String get wPendingTopUp;
+
+  /// No description provided for @wPendingExchange.
+  ///
+  /// In en, this message translates to:
+  /// **'The amount and fee have left your available balance. The exchanged amount will appear in the receiving account when completed.'**
+  String get wPendingExchange;
+
+  /// No description provided for @wPendingPayout.
+  ///
+  /// In en, this message translates to:
+  /// **'The amount and fee have left your available balance. The payout is still processing.'**
+  String get wPendingPayout;
+
+  /// No description provided for @wCompleteTopUp.
+  ///
+  /// In en, this message translates to:
+  /// **'Your account has been credited. The money is available to use.'**
+  String get wCompleteTopUp;
+
+  /// No description provided for @wCompleteExchange.
+  ///
+  /// In en, this message translates to:
+  /// **'Your exchange is complete. The money is available in the receiving account.'**
+  String get wCompleteExchange;
+
+  /// No description provided for @wCompletePayout.
+  ///
+  /// In en, this message translates to:
+  /// **'Your payout is complete. The amount and fee have been deducted from your account.'**
+  String get wCompletePayout;
+
+  /// No description provided for @wFailedTopUp.
+  ///
+  /// In en, this message translates to:
+  /// **'The top-up did not complete. No money was added to your account.'**
+  String get wFailedTopUp;
+
+  /// No description provided for @wFailedOutgoing.
+  ///
+  /// In en, this message translates to:
+  /// **'The transaction did not complete. The amount and fee are available in your account again.'**
+  String get wFailedOutgoing;
+
+  /// No description provided for @wDemoMethod.
+  ///
+  /// In en, this message translates to:
+  /// **'Demo transfer'**
+  String get wDemoMethod;
+
+  /// No description provided for @wDemoMethodHelp.
+  ///
+  /// In en, this message translates to:
+  /// **'Try the flow with sample data. No bank or payment provider is contacted.'**
+  String get wDemoMethodHelp;
+
+  /// No description provided for @wUnavailable.
+  ///
+  /// In en, this message translates to:
+  /// **'Could not refresh. The displayed information may be out of date. Try again.'**
+  String get wUnavailable;
+
+  /// No description provided for @wInvalidAmount.
+  ///
+  /// In en, this message translates to:
+  /// **'Enter an amount greater than zero, using the currency’s decimal precision.'**
+  String get wInvalidAmount;
+
+  /// No description provided for @wInsufficient.
+  ///
+  /// In en, this message translates to:
+  /// **'Not enough available money for this amount and fee. Top up or enter a smaller amount.'**
+  String get wInsufficient;
+
+  /// No description provided for @wLimitError.
+  ///
+  /// In en, this message translates to:
+  /// **'This amount exceeds your available limit. Check your limits before continuing.'**
+  String get wLimitError;
+
+  /// No description provided for @wRecipientError.
+  ///
+  /// In en, this message translates to:
+  /// **'Enter a sample recipient between 6 and 140 characters.'**
+  String get wRecipientError;
+
+  /// No description provided for @wUnsupported.
+  ///
+  /// In en, this message translates to:
+  /// **'This combination is unavailable. Choose another account.'**
+  String get wUnsupported;
+
+  /// No description provided for @wNotFound.
+  ///
+  /// In en, this message translates to:
+  /// **'This item could not be found. Return to your accounts.'**
+  String get wNotFound;
+
+  /// No description provided for @wUncertain.
+  ///
+  /// In en, this message translates to:
+  /// **'We could not confirm the outcome. Check it before trying another transaction.'**
+  String get wUncertain;
+
+  /// No description provided for @wCheckOutcome.
+  ///
+  /// In en, this message translates to:
+  /// **'Check outcome'**
+  String get wCheckOutcome;
+
+  /// No description provided for @wNoSubmission.
+  ///
+  /// In en, this message translates to:
+  /// **'No transaction was found. You can review and confirm again.'**
+  String get wNoSubmission;
+
+  /// No description provided for @wDiscardTitle.
+  ///
+  /// In en, this message translates to:
+  /// **'Leave this transaction?'**
+  String get wDiscardTitle;
+
+  /// No description provided for @wDiscardBody.
+  ///
+  /// In en, this message translates to:
+  /// **'Your entered details will be cleared. No new transaction will be submitted.'**
+  String get wDiscardBody;
+
+  /// No description provided for @wStay.
+  ///
+  /// In en, this message translates to:
+  /// **'Keep editing'**
+  String get wStay;
+
+  /// No description provided for @wAll.
+  ///
+  /// In en, this message translates to:
+  /// **'All'**
+  String get wAll;
+
+  /// No description provided for @wSearch.
+  ///
+  /// In en, this message translates to:
+  /// **'Search by reference'**
+  String get wSearch;
+
+  /// No description provided for @wNoMatches.
+  ///
+  /// In en, this message translates to:
+  /// **'No matching transactions. Try another filter.'**
+  String get wNoMatches;
+
+  /// No description provided for @wClearFilters.
+  ///
+  /// In en, this message translates to:
+  /// **'Clear filters'**
+  String get wClearFilters;
+
+  /// No description provided for @wReference.
+  ///
+  /// In en, this message translates to:
+  /// **'Reference'**
+  String get wReference;
+
+  /// No description provided for @wWhen.
+  ///
+  /// In en, this message translates to:
+  /// **'Created'**
+  String get wWhen;
+
+  /// No description provided for @wViewAccount.
+  ///
+  /// In en, this message translates to:
+  /// **'View account'**
+  String get wViewAccount;
+
+  /// No description provided for @wPreferences.
+  ///
+  /// In en, this message translates to:
+  /// **'Make it yours.'**
+  String get wPreferences;
+
+  /// No description provided for @wLanguage.
+  ///
+  /// In en, this message translates to:
+  /// **'Account language'**
+  String get wLanguage;
+
+  /// No description provided for @wLanguageHelp.
+  ///
+  /// In en, this message translates to:
+  /// **'Used throughout your account.'**
+  String get wLanguageHelp;
+
+  /// No description provided for @wLanguageSaved.
+  ///
+  /// In en, this message translates to:
+  /// **'Saved to your demo account.'**
+  String get wLanguageSaved;
+
+  /// No description provided for @wLanguageFailed.
+  ///
+  /// In en, this message translates to:
+  /// **'Changed for this session, but not saved to your account. Retry below.'**
+  String get wLanguageFailed;
+
+  /// No description provided for @wProfileError.
+  ///
+  /// In en, this message translates to:
+  /// **'Account preferences could not be loaded. Try again.'**
+  String get wProfileError;
+
+  /// No description provided for @wSecurity.
+  ///
+  /// In en, this message translates to:
+  /// **'Security'**
+  String get wSecurity;
+
+  /// No description provided for @wSecurityBody.
+  ///
+  /// In en, this message translates to:
+  /// **'Live sessions, password changes and two-step verification are not connected in this demo.'**
+  String get wSecurityBody;
+
+  /// No description provided for @wIdentity.
+  ///
+  /// In en, this message translates to:
+  /// **'Identity verification'**
+  String get wIdentity;
+
+  /// No description provided for @wIdentityHelp.
+  ///
+  /// In en, this message translates to:
+  /// **'Optional verification for higher limits.'**
+  String get wIdentityHelp;
+
+  /// No description provided for @wBackLogin.
+  ///
+  /// In en, this message translates to:
+  /// **'Back to login'**
+  String get wBackLogin;
+
+  /// No description provided for @wEnter.
+  ///
+  /// In en, this message translates to:
+  /// **'Explore your accounts'**
+  String get wEnter;
+
+  /// No description provided for @wUsage.
+  ///
+  /// In en, this message translates to:
+  /// **'Used this period'**
+  String get wUsage;
+
+  /// No description provided for @wLimitsScope.
+  ///
+  /// In en, this message translates to:
+  /// **'Outgoing activity · EUR equivalent'**
+  String get wLimitsScope;
+
+  /// No description provided for @wPendingHint.
+  ///
+  /// In en, this message translates to:
+  /// **'Refresh to check the latest status. You can keep using your other accounts.'**
+  String get wPendingHint;
+
+  /// No description provided for @wFundsHeading.
+  ///
+  /// In en, this message translates to:
+  /// **'Where is my money?'**
+  String get wFundsHeading;
+
+  /// No description provided for @wAnother.
+  ///
+  /// In en, this message translates to:
+  /// **'Make another transaction'**
+  String get wAnother;
 }
 
 class _AppLocalizationsDelegate

frontend/app/lib/generated/i18n/app_localizations_en.dart

@@ -518,4 +518,292 @@ class AppLocalizationsEn extends AppLocalizations {
 
   @override
   String get kycNoCapacity => 'No capacity available';
+
+  @override
+  String get wAccounts => 'Accounts';
+
+  @override
+  String get wActivity => 'Activity';
+
+  @override
+  String get wLimits => 'Limits';
+
+  @override
+  String get wSettings => 'Settings';
+
+  @override
+  String get wHeadline => 'Your money.\nYour next move.';
+
+  @override
+  String get wSubheading => 'Top up. Exchange. Go further.';
+
+  @override
+  String get wAvailable => 'Available to you';
+
+  @override
+  String get wTopUp => 'Top up';
+
+  @override
+  String get wExchange => 'Exchange';
+
+  @override
+  String get wPayout => 'Pay out';
+
+  @override
+  String get wRecent => 'Recent activity';
+
+  @override
+  String get wSeeAll => 'See all';
+
+  @override
+  String get wEmptyActivity =>
+      'Your next move starts here. Your transactions will appear below.';
+
+  @override
+  String get wEmptyAccounts =>
+      'Your accounts are not ready yet. Try refreshing.';
+
+  @override
+  String get wRefresh => 'Refresh';
+
+  @override
+  String get wDemo => 'Demo workspace · No real money moves.';
+
+  @override
+  String get wSource => 'From account';
+
+  @override
+  String get wDestination => 'To account';
+
+  @override
+  String get wReceiveAccount => 'Receiving account';
+
+  @override
+  String get wAmount => 'Amount';
+
+  @override
+  String get wRecipient => 'Recipient';
+
+  @override
+  String get wRecipientHint => 'Sample recipient — demo only';
+
+  @override
+  String get wReview => 'Review';
+
+  @override
+  String get wReviewTitle => 'One last look.';
+
+  @override
+  String get wFee => 'Fee';
+
+  @override
+  String get wTotalDebit => 'Leaves your account';
+
+  @override
+  String get wCredit => 'Arrives in your account';
+
+  @override
+  String get wRecipientGets => 'Recipient receives';
+
+  @override
+  String get wYouPay => 'You pay';
+
+  @override
+  String get wRate => 'Exchange rate';
+
+  @override
+  String get wQuoteNotice =>
+      'These terms are valid for 60 seconds. Confirm them before continuing.';
+
+  @override
+  String get wExpired =>
+      'This quote expired. Refresh it and review the new terms.';
+
+  @override
+  String get wNewQuote => 'Refresh quote';
+
+  @override
+  String get wConfirm => 'Confirm demo transaction';
+
+  @override
+  String get wEdit => 'Edit details';
+
+  @override
+  String get wClose => 'Close';
+
+  @override
+  String get wWorking => 'Working on it…';
+
+  @override
+  String get wPending => 'Processing';
+
+  @override
+  String get wCompleted => 'Completed';
+
+  @override
+  String get wFailed => 'Not completed';
+
+  @override
+  String get wPendingTopUp =>
+      'Your top-up is processing. Your available balance has not changed yet.';
+
+  @override
+  String get wPendingExchange =>
+      'The amount and fee have left your available balance. The exchanged amount will appear in the receiving account when completed.';
+
+  @override
+  String get wPendingPayout =>
+      'The amount and fee have left your available balance. The payout is still processing.';
+
+  @override
+  String get wCompleteTopUp =>
+      'Your account has been credited. The money is available to use.';
+
+  @override
+  String get wCompleteExchange =>
+      'Your exchange is complete. The money is available in the receiving account.';
+
+  @override
+  String get wCompletePayout =>
+      'Your payout is complete. The amount and fee have been deducted from your account.';
+
+  @override
+  String get wFailedTopUp =>
+      'The top-up did not complete. No money was added to your account.';
+
+  @override
+  String get wFailedOutgoing =>
+      'The transaction did not complete. The amount and fee are available in your account again.';
+
+  @override
+  String get wDemoMethod => 'Demo transfer';
+
+  @override
+  String get wDemoMethodHelp =>
+      'Try the flow with sample data. No bank or payment provider is contacted.';
+
+  @override
+  String get wUnavailable =>
+      'Could not refresh. The displayed information may be out of date. Try again.';
+
+  @override
+  String get wInvalidAmount =>
+      'Enter an amount greater than zero, using the currency’s decimal precision.';
+
+  @override
+  String get wInsufficient =>
+      'Not enough available money for this amount and fee. Top up or enter a smaller amount.';
+
+  @override
+  String get wLimitError =>
+      'This amount exceeds your available limit. Check your limits before continuing.';
+
+  @override
+  String get wRecipientError =>
+      'Enter a sample recipient between 6 and 140 characters.';
+
+  @override
+  String get wUnsupported =>
+      'This combination is unavailable. Choose another account.';
+
+  @override
+  String get wNotFound =>
+      'This item could not be found. Return to your accounts.';
+
+  @override
+  String get wUncertain =>
+      'We could not confirm the outcome. Check it before trying another transaction.';
+
+  @override
+  String get wCheckOutcome => 'Check outcome';
+
+  @override
+  String get wNoSubmission =>
+      'No transaction was found. You can review and confirm again.';
+
+  @override
+  String get wDiscardTitle => 'Leave this transaction?';
+
+  @override
+  String get wDiscardBody =>
+      'Your entered details will be cleared. No new transaction will be submitted.';
+
+  @override
+  String get wStay => 'Keep editing';
+
+  @override
+  String get wAll => 'All';
+
+  @override
+  String get wSearch => 'Search by reference';
+
+  @override
+  String get wNoMatches => 'No matching transactions. Try another filter.';
+
+  @override
+  String get wClearFilters => 'Clear filters';
+
+  @override
+  String get wReference => 'Reference';
+
+  @override
+  String get wWhen => 'Created';
+
+  @override
+  String get wViewAccount => 'View account';
+
+  @override
+  String get wPreferences => 'Make it yours.';
+
+  @override
+  String get wLanguage => 'Account language';
+
+  @override
+  String get wLanguageHelp => 'Used throughout your account.';
+
+  @override
+  String get wLanguageSaved => 'Saved to your demo account.';
+
+  @override
+  String get wLanguageFailed =>
+      'Changed for this session, but not saved to your account. Retry below.';
+
+  @override
+  String get wProfileError =>
+      'Account preferences could not be loaded. Try again.';
+
+  @override
+  String get wSecurity => 'Security';
+
+  @override
+  String get wSecurityBody =>
+      'Live sessions, password changes and two-step verification are not connected in this demo.';
+
+  @override
+  String get wIdentity => 'Identity verification';
+
+  @override
+  String get wIdentityHelp => 'Optional verification for higher limits.';
+
+  @override
+  String get wBackLogin => 'Back to login';
+
+  @override
+  String get wEnter => 'Explore your accounts';
+
+  @override
+  String get wUsage => 'Used this period';
+
+  @override
+  String get wLimitsScope => 'Outgoing activity · EUR equivalent';
+
+  @override
+  String get wPendingHint =>
+      'Refresh to check the latest status. You can keep using your other accounts.';
+
+  @override
+  String get wFundsHeading => 'Where is my money?';
+
+  @override
+  String get wAnother => 'Make another transaction';
 }

frontend/app/lib/generated/i18n/app_localizations_ru.dart

@@ -519,4 +519,289 @@ class AppLocalizationsRu extends AppLocalizations {
 
   @override
   String get kycNoCapacity => 'Доступный объём исчерпан';
+
+  @override
+  String get wAccounts => 'Счета';
+
+  @override
+  String get wActivity => 'История';
+
+  @override
+  String get wLimits => 'Лимиты';
+
+  @override
+  String get wSettings => 'Настройки';
+
+  @override
+  String get wHeadline => 'Ваши деньги.\nВаш следующий шаг.';
+
+  @override
+  String get wSubheading => 'Пополняйте. Обменивайте. Двигайтесь дальше.';
+
+  @override
+  String get wAvailable => 'Вам доступно';
+
+  @override
+  String get wTopUp => 'Пополнить';
+
+  @override
+  String get wExchange => 'Обменять';
+
+  @override
+  String get wPayout => 'Вывести';
+
+  @override
+  String get wRecent => 'Последние операции';
+
+  @override
+  String get wSeeAll => 'Смотреть все';
+
+  @override
+  String get wEmptyActivity =>
+      'Ваш следующий шаг начинается здесь. Здесь появятся ваши операции.';
+
+  @override
+  String get wEmptyAccounts =>
+      'Ваши счета ещё не готовы. Попробуйте обновить страницу.';
+
+  @override
+  String get wRefresh => 'Обновить';
+
+  @override
+  String get wDemo => 'Демонстрация · Реальные деньги не переводятся.';
+
+  @override
+  String get wSource => 'Со счёта';
+
+  @override
+  String get wDestination => 'На счёт';
+
+  @override
+  String get wReceiveAccount => 'Счёт для зачисления';
+
+  @override
+  String get wAmount => 'Сумма';
+
+  @override
+  String get wRecipient => 'Получатель';
+
+  @override
+  String get wRecipientHint => 'Тестовый получатель — только демо';
+
+  @override
+  String get wReview => 'Проверить';
+
+  @override
+  String get wReviewTitle => 'Проверьте детали.';
+
+  @override
+  String get wFee => 'Комиссия';
+
+  @override
+  String get wTotalDebit => 'Спишется со счёта';
+
+  @override
+  String get wCredit => 'Поступит на счёт';
+
+  @override
+  String get wRecipientGets => 'Получатель получит';
+
+  @override
+  String get wYouPay => 'Вы платите';
+
+  @override
+  String get wRate => 'Курс обмена';
+
+  @override
+  String get wQuoteNotice =>
+      'Эти условия действуют 60 секунд. Подтвердите их, прежде чем продолжить.';
+
+  @override
+  String get wExpired =>
+      'Срок действия расчёта истёк. Обновите его и проверьте новые условия.';
+
+  @override
+  String get wNewQuote => 'Обновить расчёт';
+
+  @override
+  String get wConfirm => 'Подтвердить тестовую операцию';
+
+  @override
+  String get wEdit => 'Изменить данные';
+
+  @override
+  String get wClose => 'Закрыть';
+
+  @override
+  String get wWorking => 'Обрабатываем…';
+
+  @override
+  String get wPending => 'В обработке';
+
+  @override
+  String get wCompleted => 'Завершено';
+
+  @override
+  String get wFailed => 'Не выполнено';
+
+  @override
+  String get wPendingTopUp =>
+      'Пополнение обрабатывается. Доступный баланс пока не изменился.';
+
+  @override
+  String get wPendingExchange =>
+      'Сумма и комиссия уже вычтены из доступного баланса. После завершения обмена деньги появятся на счёте зачисления.';
+
+  @override
+  String get wPendingPayout =>
+      'Сумма и комиссия уже вычтены из доступного баланса. Вывод ещё обрабатывается.';
+
+  @override
+  String get wCompleteTopUp => 'Счёт пополнен. Деньги доступны для операций.';
+
+  @override
+  String get wCompleteExchange =>
+      'Обмен завершён. Деньги доступны на счёте зачисления.';
+
+  @override
+  String get wCompletePayout =>
+      'Вывод завершён. Сумма и комиссия списаны с вашего счёта.';
+
+  @override
+  String get wFailedTopUp =>
+      'Пополнение не выполнено. На счёт ничего не зачислено.';
+
+  @override
+  String get wFailedOutgoing =>
+      'Операция не выполнена. Сумма и комиссия снова доступны на вашем счёте.';
+
+  @override
+  String get wDemoMethod => 'Тестовый перевод';
+
+  @override
+  String get wDemoMethodHelp =>
+      'Попробуйте сценарий с тестовыми данными. Банки и платёжные системы не подключены.';
+
+  @override
+  String get wUnavailable =>
+      'Не удалось обновить данные. Информация может быть устаревшей. Повторите попытку.';
+
+  @override
+  String get wInvalidAmount =>
+      'Введите сумму больше нуля с допустимым для валюты числом знаков после запятой.';
+
+  @override
+  String get wInsufficient =>
+      'Для этой суммы и комиссии недостаточно доступных средств. Пополните счёт или уменьшите сумму.';
+
+  @override
+  String get wLimitError =>
+      'Сумма превышает доступный лимит. Проверьте лимиты перед продолжением.';
+
+  @override
+  String get wRecipientError =>
+      'Введите тестового получателя длиной от 6 до 140 символов.';
+
+  @override
+  String get wUnsupported => 'Эта комбинация недоступна. Выберите другой счёт.';
+
+  @override
+  String get wNotFound => 'Не удалось найти запись. Вернитесь к счетам.';
+
+  @override
+  String get wUncertain =>
+      'Не удалось подтвердить результат. Проверьте его, прежде чем создавать другую операцию.';
+
+  @override
+  String get wCheckOutcome => 'Проверить результат';
+
+  @override
+  String get wNoSubmission =>
+      'Операция не найдена. Вы можете снова проверить и подтвердить её.';
+
+  @override
+  String get wDiscardTitle => 'Выйти из операции?';
+
+  @override
+  String get wDiscardBody =>
+      'Введённые данные будут удалены. Новая операция не будет отправлена.';
+
+  @override
+  String get wStay => 'Продолжить';
+
+  @override
+  String get wAll => 'Все';
+
+  @override
+  String get wSearch => 'Поиск по номеру';
+
+  @override
+  String get wNoMatches => 'Операции не найдены. Измените фильтр.';
+
+  @override
+  String get wClearFilters => 'Сбросить фильтры';
+
+  @override
+  String get wReference => 'Номер операции';
+
+  @override
+  String get wWhen => 'Создано';
+
+  @override
+  String get wViewAccount => 'Открыть счёт';
+
+  @override
+  String get wPreferences => 'Настройте под себя.';
+
+  @override
+  String get wLanguage => 'Язык аккаунта';
+
+  @override
+  String get wLanguageHelp => 'Используется во всём аккаунте.';
+
+  @override
+  String get wLanguageSaved => 'Сохранено в тестовом аккаунте.';
+
+  @override
+  String get wLanguageFailed =>
+      'Изменено для текущей сессии, но не сохранено в аккаунте. Повторите попытку ниже.';
+
+  @override
+  String get wProfileError =>
+      'Не удалось загрузить настройки аккаунта. Повторите попытку.';
+
+  @override
+  String get wSecurity => 'Безопасность';
+
+  @override
+  String get wSecurityBody =>
+      'В этой демонстрации не подключены рабочие сессии, смена пароля и двухэтапная проверка.';
+
+  @override
+  String get wIdentity => 'Подтверждение личности';
+
+  @override
+  String get wIdentityHelp => 'Необязательная проверка для повышения лимитов.';
+
+  @override
+  String get wBackLogin => 'Вернуться ко входу';
+
+  @override
+  String get wEnter => 'Открыть свои счета';
+
+  @override
+  String get wUsage => 'Использовано за период';
+
+  @override
+  String get wLimitsScope => 'Исходящие операции · эквивалент в EUR';
+
+  @override
+  String get wPendingHint =>
+      'Обновите, чтобы узнать текущий статус. Остальными счетами можно пользоваться.';
+
+  @override
+  String get wFundsHeading => 'Где мои деньги?';
+
+  @override
+  String get wAnother => 'Создать новую операцию';
 }

frontend/app/lib/kyc/limits.dart

@@ -50,7 +50,6 @@ class LimitsPanel extends StatelessWidget {
               if (data.simulated)
                 Text(l.kycLimitsDemo, style: t.textTheme.bodySmall),
               const SizedBox(height: 12),
-              Text(l.kycUsageHelp, style: t.textTheme.bodySmall),
               if (data.rows.isEmpty) Text(l.kycLimitsEmpty),
               for (final row in data.rows) ...[
                 const Divider(height: 32),
@@ -69,11 +68,10 @@ class LimitsPanel extends StatelessWidget {
                       row.currentMinor,
                       row.currency,
                     ),
-                    _amount(context, l.kycUsed, row.usedMinor, row.currency),
                     _amount(
                       context,
-                      l.kycReserved,
+                      l.wUsage,
-                      row.reservedMinor,
+                      row.usedMinor + row.reservedMinor,
                       row.currency,
                     ),
                     _amount(
@@ -98,7 +96,7 @@ class LimitsPanel extends StatelessWidget {
                   minHeight: 8,
                   borderRadius: BorderRadius.circular(4),
                   semanticsLabel:
-                      '${row.period == LimitPeriod.day ? l.kycDay : l.kycMonth}: ${l.kycOccupied}',
+                      '${row.period == LimitPeriod.day ? l.kycDay : l.kycMonth}: ${l.wUsage}',
                 ),
                 if (row.remainingMinor <= 0) ...[
                   const SizedBox(height: 8),

frontend/app/lib/kyc/page.dart

@@ -8,9 +8,6 @@ import 'package:sxchnge_analytics/sxchnge_analytics.dart';
 
 import 'package:sxchnge_kyc/sxchnge_kyc.dart';
 
-import '../auth/brand_panel.dart';
-import '../routing/routes.dart';
-import '../widgets/locale.dart';
 import 'copy.dart';
 import 'form.dart';
 import 'limits.dart';
@@ -100,7 +97,13 @@ class IdentityPageState extends State<IdentityPage> {
   Future<void> _leave({bool account = false}) async {
     if (!await allowExit() || !mounted) return;
     _identity.exit();
-    if (account) context.goNamed(AppRoutes.login);
+    if (account) {
+      if (context.canPop()) {
+        context.pop();
+      } else {
+        context.go('/limits');
+      }
+    }
   }
 
   @override
@@ -136,12 +139,6 @@ class IdentityPageState extends State<IdentityPage> {
                     child: Column(
                       crossAxisAlignment: CrossAxisAlignment.stretch,
                       children: [
-                        const Wrap(
-                          alignment: WrapAlignment.spaceBetween,
-                          crossAxisAlignment: WrapCrossAlignment.center,
-                          spacing: 16,
-                          children: [BrandWordmark(), LocaleSelector()],
-                        ),
                         const SizedBox(height: 36),
                         Semantics(
                           header: true,
@@ -225,7 +222,7 @@ class IdentityPageState extends State<IdentityPage> {
                           onPressed: p.busy
                               ? null
                               : () => _leave(account: true),
-                          child: Text(l.kycClose),
+                          child: Text(l.wLimits),
                         ),
                       ],
                     ),

frontend/app/lib/l10n/en.arb

@@ -153,5 +153,92 @@
   "kycReserved": "Reserved",
   "kycUsageHelp": "Used is completed activity. Reserved is held for pending transactions. Both count toward your limit.",
   "kycOccupied": "Used + reserved",
-  "kycNoCapacity": "No capacity available"
+  "kycNoCapacity": "No capacity available",
+  "wAccounts": "Accounts",
+  "wActivity": "Activity",
+  "wLimits": "Limits",
+  "wSettings": "Settings",
+  "wHeadline": "Your money.\nYour next move.",
+  "wSubheading": "Top up. Exchange. Go further.",
+  "wAvailable": "Available to you",
+  "wTopUp": "Top up",
+  "wExchange": "Exchange",
+  "wPayout": "Pay out",
+  "wRecent": "Recent activity",
+  "wSeeAll": "See all",
+  "wEmptyActivity": "Your next move starts here. Your transactions will appear below.",
+  "wEmptyAccounts": "Your accounts are not ready yet. Try refreshing.",
+  "wRefresh": "Refresh",
+  "wDemo": "Demo workspace · No real money moves.",
+  "wSource": "From account",
+  "wDestination": "To account",
+  "wReceiveAccount": "Receiving account",
+  "wAmount": "Amount",
+  "wRecipient": "Recipient",
+  "wRecipientHint": "Sample recipient — demo only",
+  "wReview": "Review",
+  "wReviewTitle": "One last look.",
+  "wFee": "Fee",
+  "wTotalDebit": "Leaves your account",
+  "wCredit": "Arrives in your account",
+  "wRecipientGets": "Recipient receives",
+  "wYouPay": "You pay",
+  "wRate": "Exchange rate",
+  "wQuoteNotice": "These terms are valid for 60 seconds. Confirm them before continuing.",
+  "wExpired": "This quote expired. Refresh it and review the new terms.",
+  "wNewQuote": "Refresh quote",
+  "wConfirm": "Confirm demo transaction",
+  "wEdit": "Edit details",
+  "wClose": "Close",
+  "wWorking": "Working on it…",
+  "wPending": "Processing",
+  "wCompleted": "Completed",
+  "wFailed": "Not completed",
+  "wPendingTopUp": "Your top-up is processing. Your available balance has not changed yet.",
+  "wPendingExchange": "The amount and fee have left your available balance. The exchanged amount will appear in the receiving account when completed.",
+  "wPendingPayout": "The amount and fee have left your available balance. The payout is still processing.",
+  "wCompleteTopUp": "Your account has been credited. The money is available to use.",
+  "wCompleteExchange": "Your exchange is complete. The money is available in the receiving account.",
+  "wCompletePayout": "Your payout is complete. The amount and fee have been deducted from your account.",
+  "wFailedTopUp": "The top-up did not complete. No money was added to your account.",
+  "wFailedOutgoing": "The transaction did not complete. The amount and fee are available in your account again.",
+  "wDemoMethod": "Demo transfer",
+  "wDemoMethodHelp": "Try the flow with sample data. No bank or payment provider is contacted.",
+  "wUnavailable": "Could not refresh. The displayed information may be out of date. Try again.",
+  "wInvalidAmount": "Enter an amount greater than zero, using the currency’s decimal precision.",
+  "wInsufficient": "Not enough available money for this amount and fee. Top up or enter a smaller amount.",
+  "wLimitError": "This amount exceeds your available limit. Check your limits before continuing.",
+  "wRecipientError": "Enter a sample recipient between 6 and 140 characters.",
+  "wUnsupported": "This combination is unavailable. Choose another account.",
+  "wNotFound": "This item could not be found. Return to your accounts.",
+  "wUncertain": "We could not confirm the outcome. Check it before trying another transaction.",
+  "wCheckOutcome": "Check outcome",
+  "wNoSubmission": "No transaction was found. You can review and confirm again.",
+  "wDiscardTitle": "Leave this transaction?",
+  "wDiscardBody": "Your entered details will be cleared. No new transaction will be submitted.",
+  "wStay": "Keep editing",
+  "wAll": "All",
+  "wSearch": "Search by reference",
+  "wNoMatches": "No matching transactions. Try another filter.",
+  "wClearFilters": "Clear filters",
+  "wReference": "Reference",
+  "wWhen": "Created",
+  "wViewAccount": "View account",
+  "wPreferences": "Make it yours.",
+  "wLanguage": "Account language",
+  "wLanguageHelp": "Used throughout your account.",
+  "wLanguageSaved": "Saved to your demo account.",
+  "wLanguageFailed": "Changed for this session, but not saved to your account. Retry below.",
+  "wProfileError": "Account preferences could not be loaded. Try again.",
+  "wSecurity": "Security",
+  "wSecurityBody": "Live sessions, password changes and two-step verification are not connected in this demo.",
+  "wIdentity": "Identity verification",
+  "wIdentityHelp": "Optional verification for higher limits.",
+  "wBackLogin": "Back to login",
+  "wEnter": "Explore your accounts",
+  "wUsage": "Used this period",
+  "wLimitsScope": "Outgoing activity · EUR equivalent",
+  "wPendingHint": "Refresh to check the latest status. You can keep using your other accounts.",
+  "wFundsHeading": "Where is my money?",
+  "wAnother": "Make another transaction"
 }

frontend/app/lib/l10n/ru.arb

@@ -153,5 +153,92 @@
   "kycReserved": "Зарезервировано",
   "kycUsageHelp": "Использовано — завершённые операции. Зарезервировано — суммы, удержанные для ожидающих операций. Обе суммы учитываются в лимите.",
   "kycOccupied": "Использовано + зарезервировано",
-  "kycNoCapacity": "Доступный объём исчерпан"
+  "kycNoCapacity": "Доступный объём исчерпан",
+  "wAccounts": "Счета",
+  "wActivity": "История",
+  "wLimits": "Лимиты",
+  "wSettings": "Настройки",
+  "wHeadline": "Ваши деньги.\nВаш следующий шаг.",
+  "wSubheading": "Пополняйте. Обменивайте. Двигайтесь дальше.",
+  "wAvailable": "Вам доступно",
+  "wTopUp": "Пополнить",
+  "wExchange": "Обменять",
+  "wPayout": "Вывести",
+  "wRecent": "Последние операции",
+  "wSeeAll": "Смотреть все",
+  "wEmptyActivity": "Ваш следующий шаг начинается здесь. Здесь появятся ваши операции.",
+  "wEmptyAccounts": "Ваши счета ещё не готовы. Попробуйте обновить страницу.",
+  "wRefresh": "Обновить",
+  "wDemo": "Демонстрация · Реальные деньги не переводятся.",
+  "wSource": "Со счёта",
+  "wDestination": "На счёт",
+  "wReceiveAccount": "Счёт для зачисления",
+  "wAmount": "Сумма",
+  "wRecipient": "Получатель",
+  "wRecipientHint": "Тестовый получатель — только демо",
+  "wReview": "Проверить",
+  "wReviewTitle": "Проверьте детали.",
+  "wFee": "Комиссия",
+  "wTotalDebit": "Спишется со счёта",
+  "wCredit": "Поступит на счёт",
+  "wRecipientGets": "Получатель получит",
+  "wYouPay": "Вы платите",
+  "wRate": "Курс обмена",
+  "wQuoteNotice": "Эти условия действуют 60 секунд. Подтвердите их, прежде чем продолжить.",
+  "wExpired": "Срок действия расчёта истёк. Обновите его и проверьте новые условия.",
+  "wNewQuote": "Обновить расчёт",
+  "wConfirm": "Подтвердить тестовую операцию",
+  "wEdit": "Изменить данные",
+  "wClose": "Закрыть",
+  "wWorking": "Обрабатываем…",
+  "wPending": "В обработке",
+  "wCompleted": "Завершено",
+  "wFailed": "Не выполнено",
+  "wPendingTopUp": "Пополнение обрабатывается. Доступный баланс пока не изменился.",
+  "wPendingExchange": "Сумма и комиссия уже вычтены из доступного баланса. После завершения обмена деньги появятся на счёте зачисления.",
+  "wPendingPayout": "Сумма и комиссия уже вычтены из доступного баланса. Вывод ещё обрабатывается.",
+  "wCompleteTopUp": "Счёт пополнен. Деньги доступны для операций.",
+  "wCompleteExchange": "Обмен завершён. Деньги доступны на счёте зачисления.",
+  "wCompletePayout": "Вывод завершён. Сумма и комиссия списаны с вашего счёта.",
+  "wFailedTopUp": "Пополнение не выполнено. На счёт ничего не зачислено.",
+  "wFailedOutgoing": "Операция не выполнена. Сумма и комиссия снова доступны на вашем счёте.",
+  "wDemoMethod": "Тестовый перевод",
+  "wDemoMethodHelp": "Попробуйте сценарий с тестовыми данными. Банки и платёжные системы не подключены.",
+  "wUnavailable": "Не удалось обновить данные. Информация может быть устаревшей. Повторите попытку.",
+  "wInvalidAmount": "Введите сумму больше нуля с допустимым для валюты числом знаков после запятой.",
+  "wInsufficient": "Для этой суммы и комиссии недостаточно доступных средств. Пополните счёт или уменьшите сумму.",
+  "wLimitError": "Сумма превышает доступный лимит. Проверьте лимиты перед продолжением.",
+  "wRecipientError": "Введите тестового получателя длиной от 6 до 140 символов.",
+  "wUnsupported": "Эта комбинация недоступна. Выберите другой счёт.",
+  "wNotFound": "Не удалось найти запись. Вернитесь к счетам.",
+  "wUncertain": "Не удалось подтвердить результат. Проверьте его, прежде чем создавать другую операцию.",
+  "wCheckOutcome": "Проверить результат",
+  "wNoSubmission": "Операция не найдена. Вы можете снова проверить и подтвердить её.",
+  "wDiscardTitle": "Выйти из операции?",
+  "wDiscardBody": "Введённые данные будут удалены. Новая операция не будет отправлена.",
+  "wStay": "Продолжить",
+  "wAll": "Все",
+  "wSearch": "Поиск по номеру",
+  "wNoMatches": "Операции не найдены. Измените фильтр.",
+  "wClearFilters": "Сбросить фильтры",
+  "wReference": "Номер операции",
+  "wWhen": "Создано",
+  "wViewAccount": "Открыть счёт",
+  "wPreferences": "Настройте под себя.",
+  "wLanguage": "Язык аккаунта",
+  "wLanguageHelp": "Используется во всём аккаунте.",
+  "wLanguageSaved": "Сохранено в тестовом аккаунте.",
+  "wLanguageFailed": "Изменено для текущей сессии, но не сохранено в аккаунте. Повторите попытку ниже.",
+  "wProfileError": "Не удалось загрузить настройки аккаунта. Повторите попытку.",
+  "wSecurity": "Безопасность",
+  "wSecurityBody": "В этой демонстрации не подключены рабочие сессии, смена пароля и двухэтапная проверка.",
+  "wIdentity": "Подтверждение личности",
+  "wIdentityHelp": "Необязательная проверка для повышения лимитов.",
+  "wBackLogin": "Вернуться ко входу",
+  "wEnter": "Открыть свои счета",
+  "wUsage": "Использовано за период",
+  "wLimitsScope": "Исходящие операции · эквивалент в EUR",
+  "wPendingHint": "Обновите, чтобы узнать текущий статус. Остальными счетами можно пользоваться.",
+  "wFundsHeading": "Где мои деньги?",
+  "wAnother": "Создать новую операцию"
 }

frontend/app/lib/main.dart

@@ -10,6 +10,8 @@ import 'package:sxchnge_kyc/sxchnge_kyc.dart';
 
 import 'package:sxchnge_theme/sxchnge_theme.dart';
 
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
 import 'providers/locale.dart';
 import 'routing/router.dart';
 
@@ -28,6 +30,7 @@ class SxchngeApp extends StatefulWidget {
     this.analyticsService,
     this.identityService,
     this.limitsService,
+    this.walletService,
     this.photoService = const FilePhotoService(),
     this.loginService = const DummyLoginService(),
     this.signupService = const DummySignupService(),
@@ -37,6 +40,7 @@ class SxchngeApp extends StatefulWidget {
   final AnalyticsService? analyticsService;
   final IdentityService? identityService;
   final LimitsService? limitsService;
+  final WalletService? walletService;
   final PhotoService photoService;
   final LoginService loginService;
   final SignupService signupService;
@@ -51,7 +55,15 @@ class _SxchngeAppState extends State<SxchngeApp> {
 
   late final _analytics = widget.analyticsService ?? DummyAnalyticsService();
   late final _identity = widget.identityService ?? DummyIdentityService();
-  late final _limits = widget.limitsService ?? DummyLimitsService(_identity);
+  late final _walletService =
+      widget.walletService ??
+      DummyWalletService(_identity, initialLocale: _locale.locale.languageCode);
+  late final _wallet = WalletProvider(_walletService, _analytics);
+  late final _limits =
+      widget.limitsService ??
+      (_walletService is DummyWalletService
+          ? WalletLimitsService(_walletService)
+          : DummyLimitsService(_identity));
   late final _journeys = JourneyRecorder(_analytics);
   late final _services = InstrumentedAuthServices(
     recorder: _journeys,
@@ -82,6 +94,7 @@ class _SxchngeAppState extends State<SxchngeApp> {
     _router.routeInformationProvider.removeListener(_routeChanged);
     _router.dispose();
     _journeys.dispose();
+    _wallet.dispose();
     _locale.dispose();
     super.dispose();
   }
@@ -89,6 +102,7 @@ class _SxchngeAppState extends State<SxchngeApp> {
   @override
   Widget build(BuildContext context) => MultiProvider(
     providers: [
+      ChangeNotifierProvider.value(value: _wallet),
       Provider<JourneyRecorder>.value(value: _journeys),
       Provider<AnalyticsService>.value(value: _analytics),
       Provider<IdentityService>.value(value: _identity),

frontend/app/lib/providers/locale.dart

@@ -2,12 +2,15 @@ import 'package:flutter/material.dart';
 
 import 'package:shared_preferences/shared_preferences.dart';
 
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
 class LocaleProvider extends ChangeNotifier {
   static const storageKey = 'sxchnge_last_locale';
   LocaleProvider({Locale initialLocale = const Locale('en'), this.preferences})
     : _locale = resolve(initialLocale.languageCode, const []);
 
   Locale _locale;
+  bool _disposed = false;
   final SharedPreferences? preferences;
   Future<bool> _pendingSave = Future.value(true);
   Locale get locale => _locale;
@@ -31,6 +34,22 @@ class LocaleProvider extends ChangeNotifier {
     }
   }
 
+  Future<void> loadAccount(WalletProvider wallet) async {
+    await wallet.loadProfile();
+    if (_disposed) return;
+    if (wallet.preferredLocale != null && !wallet.profileFailed) {
+      _locale = resolve(wallet.preferredLocale, const []);
+      notifyListeners();
+    }
+  }
+
+  Future<void> saveAccountLocale(WalletProvider wallet, Locale value) async {
+    if (_disposed || wallet.saving) return;
+    _locale = resolve(value.languageCode, const []);
+    notifyListeners();
+    await wallet.saveLocale(_locale.languageCode);
+  }
+
   Future<bool> setLocale(Locale value) {
     final next = resolve(value.languageCode, const []);
     if (next == _locale) return _pendingSave;
@@ -47,4 +66,10 @@ class LocaleProvider extends ChangeNotifier {
     });
     return _pendingSave;
   }
+
+  @override
+  void dispose() {
+    _disposed = true;
+    super.dispose();
+  }
 }

frontend/app/lib/routing/router.dart

@@ -4,23 +4,101 @@ import 'package:flutter/widgets.dart';
 
 import 'package:go_router/go_router.dart';
 
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
 import '../auth/page.dart';
 import '../kyc/page.dart';
 import '../verification/page.dart';
+import '../workspace/accounts.dart';
+import '../workspace/activity.dart';
+import '../workspace/limits.dart';
+import '../workspace/operation.dart';
+import '../workspace/settings.dart';
+import '../workspace/shell.dart';
+import '../workspace/transfer.dart';
 import 'routes.dart';
 
 GoRouter createAppRouter() {
+  final topUpKey = GlobalKey<TransferPageState>();
+  final exchangeKey = GlobalKey<TransferPageState>();
+  final payoutKey = GlobalKey<TransferPageState>();
   final identityKey = GlobalKey<IdentityPageState>();
   return GoRouter(
     // Signup email is an in-memory navigation extra, never browser-history data.
     extraCodec: const _TransientExtras(),
     routes: [
-      GoRoute(
+      ShellRoute(
-        path: '/identity',
+        builder: (context, state, child) =>
-        name: AppRoutes.identity,
+            WorkspaceShell(path: state.uri.path, child: child),
-        builder: (context, state) => IdentityPage(key: identityKey),
+        routes: [
-        onExit: (context, state) async =>
+          GoRoute(
-            await identityKey.currentState?.allowExit() ?? true,
+            path: '/accounts',
+            builder: (context, state) => const AccountsPage(),
+            routes: [
+              GoRoute(
+                path: ':accountId',
+                builder: (context, state) =>
+                    AccountsPage(accountId: state.pathParameters['accountId']),
+              ),
+            ],
+          ),
+          GoRoute(
+            path: '/activity',
+            builder: (context, state) => const ActivityPage(),
+            routes: [
+              GoRoute(
+                path: ':operationId',
+                builder: (context, state) =>
+                    OperationPage(id: state.pathParameters['operationId']!),
+              ),
+            ],
+          ),
+          GoRoute(
+            path: '/limits',
+            builder: (context, state) => const LimitsPage(),
+          ),
+          GoRoute(
+            path: '/settings',
+            builder: (context, state) => const SettingsPage(),
+          ),
+          GoRoute(
+            path: '/top-up',
+            builder: (context, state) => TransferPage(
+              key: topUpKey,
+              kind: TransferKind.topUp,
+              source: state.extra is String ? state.extra as String : null,
+            ),
+            onExit: (context, state) async =>
+                await topUpKey.currentState?.allowExit() ?? true,
+          ),
+          GoRoute(
+            path: '/exchange',
+            builder: (context, state) => TransferPage(
+              key: exchangeKey,
+              kind: TransferKind.exchange,
+              source: state.extra is String ? state.extra as String : null,
+            ),
+            onExit: (context, state) async =>
+                await exchangeKey.currentState?.allowExit() ?? true,
+          ),
+          GoRoute(
+            path: '/payout',
+            builder: (context, state) => TransferPage(
+              key: payoutKey,
+              kind: TransferKind.payout,
+              source: state.extra is String ? state.extra as String : null,
+            ),
+            onExit: (context, state) async =>
+                await payoutKey.currentState?.allowExit() ?? true,
+          ),
+          GoRoute(
+            path: '/identity',
+            name: AppRoutes.identity,
+            builder: (context, state) => IdentityPage(key: identityKey),
+            onExit: (context, state) async =>
+                await identityKey.currentState?.allowExit() ?? true,
+          ),
+        ],
       ),
       GoRoute(
         path: '/',

frontend/app/lib/verification/page.dart

@@ -11,7 +11,6 @@ import 'package:sxchnge_auth/sxchnge_auth.dart';
 import '../auth/brand_panel.dart';
 import '../auth/validation.dart';
 import '../routing/routes.dart';
-import '../widgets/locale.dart';
 
 import '../generated/i18n/app_localizations.dart';
 
@@ -160,10 +159,6 @@ class _VerificationPageState extends State<VerificationPage> {
                 child: Column(
                   crossAxisAlignment: CrossAxisAlignment.stretch,
                   children: [
-                    const Align(
-                      alignment: Alignment.centerRight,
-                      child: LocaleSelector(),
-                    ),
                     const Align(
                       alignment: Alignment.centerLeft,
                       child: BrandWordmark(),
@@ -328,8 +323,8 @@ class _VerificationPageState extends State<VerificationPage> {
                     if (verified) ...[
                       const SizedBox(height: 16),
                       FilledButton(
-                        onPressed: () => context.goNamed(AppRoutes.identity),
+                        onPressed: () => context.go('/accounts'),
-                        child: Text(l.kycPreview),
+                        child: Text(l.wEnter),
                       ),
                     ],
                     const SizedBox(height: 16),

frontend/app/lib/widgets/locale.dart

@@ -1,54 +0,0 @@
-import 'package:flutter/material.dart';
-
-import 'package:provider/provider.dart';
-
-import '../providers/locale.dart';
-
-import '../generated/i18n/app_localizations.dart';
-
-class LocaleSelector extends StatelessWidget {
-  const LocaleSelector({super.key});
-
-  @override
-  Widget build(BuildContext context) {
-    final provider = context.watch<LocaleProvider>();
-    return PopupMenuButton<Locale>(
-      key: const ValueKey('locale-selector'),
-      tooltip: AppLocalizations.of(context)!.language,
-      onSelected: (locale) async {
-        final saved = await provider.setLocale(locale);
-        if (!saved && context.mounted) {
-          ScaffoldMessenger.of(context).showSnackBar(
-            SnackBar(
-              content: Text(AppLocalizations.of(context)!.preferenceNotSaved),
-            ),
-          );
-        }
-      },
-      itemBuilder: (_) => AppLocalizations.supportedLocales
-          .map(
-            (locale) => CheckedPopupMenuItem(
-              value: locale,
-              checked: locale == provider.locale,
-              child: Text(locale.languageCode == 'ru' ? 'Русский' : 'English'),
-            ),
-          )
-          .toList(),
-      child: Padding(
-        padding: const EdgeInsets.symmetric(horizontal: 12, vertical: 14),
-        child: Row(
-          mainAxisSize: MainAxisSize.min,
-          children: [
-            const Icon(Icons.language, size: 20),
-            const SizedBox(width: 8),
-            Text(
-              provider.locale.languageCode.toUpperCase(),
-              style: Theme.of(context).textTheme.labelLarge,
-            ),
-            const Icon(Icons.expand_more, size: 20),
-          ],
-        ),
-      ),
-    );
-  }
-}

frontend/app/lib/workspace/accounts.dart

@@ -0,0 +1,245 @@
+import 'package:flutter/material.dart';
+
+import 'package:go_router/go_router.dart';
+
+import 'package:provider/provider.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import 'activity.dart';
+import 'copy.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class AccountsPage extends StatelessWidget {
+  const AccountsPage({super.key, this.accountId});
+  final String? accountId;
+  @override
+  Widget build(BuildContext context) {
+    final p = context.watch<WalletProvider>();
+    final l = AppLocalizations.of(context)!;
+    final t = Theme.of(context);
+    final c = t.colorScheme;
+    final accounts = p.data?.accounts ?? [];
+    final selected = accountId == null
+        ? accounts.firstOrNull
+        : p.account(accountId);
+    return SingleChildScrollView(
+      padding: const EdgeInsets.all(24),
+      child: Center(
+        child: ConstrainedBox(
+          constraints: const BoxConstraints(maxWidth: 1120),
+          child: Column(
+            crossAxisAlignment: CrossAxisAlignment.stretch,
+            children: [
+              Row(
+                crossAxisAlignment: CrossAxisAlignment.start,
+                children: [
+                  Expanded(
+                    child: Text(l.wHeadline, style: t.textTheme.displayMedium),
+                  ),
+                  IconButton(
+                    tooltip: l.wRefresh,
+                    onPressed: p.loading ? null : p.refresh,
+                    icon: const Icon(Icons.refresh),
+                  ),
+                ],
+              ),
+              const SizedBox(height: 12),
+              Text(l.wSubheading, style: t.textTheme.bodyLarge),
+              const SizedBox(height: 28),
+              if (p.loading) const LinearProgressIndicator(),
+              if (p.failed)
+                Padding(
+                  padding: const EdgeInsets.symmetric(vertical: 16),
+                  child: Text(l.wUnavailable, style: TextStyle(color: c.error)),
+                ),
+              if (!p.loading && accounts.isEmpty) Text(l.wEmptyAccounts),
+              if (accountId != null &&
+                  p.account(accountId) == null &&
+                  !p.loading)
+                Text(l.wNotFound),
+              if (selected != null) ...[
+                const SizedBox(height: 24),
+                Text(selected.currency, style: t.textTheme.titleLarge),
+                const SizedBox(height: 12),
+                Wrap(
+                  spacing: 12,
+                  runSpacing: 12,
+                  children: [
+                    for (final kind in TransferKind.values)
+                      _action(
+                        context,
+                        kind,
+                        selected,
+                        primary:
+                            kind ==
+                            (selected.available == 0
+                                ? TransferKind.topUp
+                                : TransferKind.exchange),
+                      ),
+                  ],
+                ),
+              ],
+              const SizedBox(height: 24),
+              LayoutBuilder(
+                builder: (context, box) {
+                  final width = box.maxWidth >= 660
+                      ? (box.maxWidth - 32) / 3
+                      : box.maxWidth;
+                  return Wrap(
+                    spacing: 16,
+                    runSpacing: 16,
+                    children: [
+                      for (var i = 0; i < accounts.length; i++)
+                        SizedBox(
+                          width: width,
+                          child: _AccountCard(
+                            account: accounts[i],
+                            selected: accounts[i].id == selected?.id,
+                            index: i,
+                          ),
+                        ),
+                    ],
+                  );
+                },
+              ),
+              const SizedBox(height: 36),
+              Column(
+                crossAxisAlignment: CrossAxisAlignment.start,
+                children: [
+                  Text(l.wRecent, style: t.textTheme.headlineSmall),
+                  TextButton(
+                    onPressed: () => context.go('/activity'),
+                    child: Text(l.wSeeAll),
+                  ),
+                ],
+              ),
+              const SizedBox(height: 12),
+              ...?p.data?.operations
+                  .where(
+                    (o) =>
+                        accountId == null ||
+                        o.quote.request.source == accountId ||
+                        o.quote.request.destination == accountId,
+                  )
+                  .take(5)
+                  .map((o) => OperationTile(operation: o)),
+              if (!(p.data?.operations.any(
+                    (o) =>
+                        accountId == null ||
+                        o.quote.request.source == accountId ||
+                        o.quote.request.destination == accountId,
+                  ) ??
+                  false))
+                Container(
+                  padding: const EdgeInsets.all(28),
+                  decoration: BoxDecoration(
+                    color: c.surfaceContainer,
+                    borderRadius: BorderRadius.circular(24),
+                  ),
+                  child: Text(l.wEmptyActivity),
+                ),
+            ],
+          ),
+        ),
+      ),
+    );
+  }
+
+  Widget _action(
+    BuildContext context,
+    TransferKind kind,
+    CurrencyAccount a, {
+    required bool primary,
+  }) {
+    final l = AppLocalizations.of(context)!;
+    void go() => context.go(
+      '/${kind.name == "topUp" ? "top-up" : kind.name}',
+      extra: a.id,
+    );
+    return primary
+        ? FilledButton.icon(
+            key: ValueKey('${kind.name}-${a.id}'),
+            onPressed: go,
+            icon: Icon(kindIcon(kind)),
+            label: Text(kindText(l, kind)),
+          )
+        : FilledButton.tonalIcon(
+            key: ValueKey('${kind.name}-${a.id}'),
+            onPressed: go,
+            icon: Icon(kindIcon(kind)),
+            label: Text(kindText(l, kind)),
+          );
+  }
+}
+
+class _AccountCard extends StatelessWidget {
+  const _AccountCard({
+    required this.account,
+    required this.selected,
+    required this.index,
+  });
+  final CurrencyAccount account;
+  final bool selected;
+  final int index;
+  @override
+  Widget build(BuildContext context) {
+    final l = AppLocalizations.of(context)!;
+    final t = Theme.of(context);
+    final c = t.colorScheme;
+    final bg = selected
+        ? c.primary
+        : index == 1
+        ? c.tertiaryContainer
+        : c.primaryContainer;
+    final fg = selected
+        ? c.onPrimary
+        : index == 1
+        ? c.onTertiaryContainer
+        : c.onPrimaryContainer;
+    return Semantics(
+      selected: selected,
+      child: Material(
+        color: bg,
+        borderRadius: BorderRadius.circular(28),
+        child: InkWell(
+          key: ValueKey('account-${account.id}'),
+          borderRadius: BorderRadius.circular(28),
+          onTap: () => context.go('/accounts/${account.id}'),
+          child: Padding(
+            padding: const EdgeInsets.all(24),
+            child: Column(
+              crossAxisAlignment: CrossAxisAlignment.stretch,
+              children: [
+                Row(
+                  children: [
+                    Text(
+                      account.currency,
+                      style: t.textTheme.titleLarge?.copyWith(color: fg),
+                    ),
+                    const Spacer(),
+                    Icon(
+                      selected
+                          ? Icons.check_circle_outline
+                          : Icons.arrow_outward_rounded,
+                      color: fg,
+                    ),
+                  ],
+                ),
+                const SizedBox(height: 32),
+                Text(l.wAvailable, style: TextStyle(color: fg)),
+                const SizedBox(height: 8),
+                Text(
+                  money(context, account, account.available),
+                  key: ValueKey('balance-${account.id}'),
+                  style: t.textTheme.headlineMedium?.copyWith(color: fg),
+                ),
+              ],
+            ),
+          ),
+        ),
+      ),
+    );
+  }
+}

frontend/app/lib/workspace/activity.dart

@@ -0,0 +1,196 @@
+import 'package:flutter/material.dart';
+
+import 'package:go_router/go_router.dart';
+
+import 'package:intl/intl.dart';
+
+import 'package:provider/provider.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import 'copy.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class ActivityPage extends StatefulWidget {
+  const ActivityPage({super.key});
+  @override
+  State<ActivityPage> createState() => _ActivityPageState();
+}
+
+class _ActivityPageState extends State<ActivityPage> {
+  TransferKind? _kind;
+  OperationStatus? _status;
+  String _search = '';
+  String? _currency;
+  @override
+  Widget build(BuildContext context) {
+    final p = context.watch<WalletProvider>();
+    final l = AppLocalizations.of(context)!;
+    final list =
+        p.data?.operations
+            .where(
+              (o) =>
+                  (_kind == null || o.quote.request.kind == _kind) &&
+                  (_status == null || o.status == _status) &&
+                  (_currency == null ||
+                      o.quote.request.source == _currency ||
+                      o.quote.request.destination == _currency) &&
+                  o.id.toLowerCase().contains(_search.toLowerCase()),
+            )
+            .toList() ??
+        [];
+    return SingleChildScrollView(
+      padding: const EdgeInsets.all(24),
+      child: Center(
+        child: ConstrainedBox(
+          constraints: const BoxConstraints(maxWidth: 1000),
+          child: Column(
+            crossAxisAlignment: CrossAxisAlignment.stretch,
+            children: [
+              Row(
+                children: [
+                  Expanded(
+                    child: Text(
+                      l.wActivity,
+                      style: Theme.of(context).textTheme.displaySmall,
+                    ),
+                  ),
+                  IconButton(
+                    tooltip: l.wRefresh,
+                    onPressed: p.loading ? null : p.refresh,
+                    icon: const Icon(Icons.refresh),
+                  ),
+                ],
+              ),
+              const SizedBox(height: 24),
+              TextField(
+                decoration: InputDecoration(
+                  labelText: l.wSearch,
+                  prefixIcon: const Icon(Icons.search),
+                ),
+                onChanged: (value) => setState(() => _search = value),
+              ),
+              const SizedBox(height: 16),
+              Wrap(
+                spacing: 8,
+                runSpacing: 8,
+                children: [
+                  ChoiceChip(
+                    label: Text(l.wAll),
+                    selected: _kind == null,
+                    onSelected: (_) => setState(() => _kind = null),
+                  ),
+                  for (final k in TransferKind.values)
+                    ChoiceChip(
+                      label: Text(kindText(l, k)),
+                      selected: _kind == k,
+                      onSelected: (_) => setState(() => _kind = k),
+                    ),
+                ],
+              ),
+              const SizedBox(height: 12),
+              Wrap(
+                spacing: 8,
+                runSpacing: 8,
+                children: [
+                  for (final s in OperationStatus.values)
+                    FilterChip(
+                      label: Text(statusText(l, s)),
+                      selected: _status == s,
+                      onSelected: (value) =>
+                          setState(() => _status = value ? s : null),
+                    ),
+                  for (final a in p.data?.accounts ?? <CurrencyAccount>[])
+                    FilterChip(
+                      label: Text(a.currency),
+                      selected: _currency == a.id,
+                      onSelected: (value) =>
+                          setState(() => _currency = value ? a.id : null),
+                    ),
+                ],
+              ),
+              const SizedBox(height: 20),
+              if (p.loading) const LinearProgressIndicator(),
+              if (p.failed) Text(l.wUnavailable),
+              if (list.isEmpty && !p.loading)
+                Padding(
+                  padding: const EdgeInsets.all(24),
+                  child: Text(
+                    (p.data?.operations.isEmpty ?? true)
+                        ? l.wEmptyActivity
+                        : l.wNoMatches,
+                  ),
+                ),
+              for (final o in list) OperationTile(operation: o),
+            ],
+          ),
+        ),
+      ),
+    );
+  }
+}
+
+class OperationTile extends StatelessWidget {
+  const OperationTile({super.key, required this.operation});
+  final WalletOperation operation;
+  @override
+  Widget build(BuildContext context) {
+    final p = context.read<WalletProvider>();
+    final l = AppLocalizations.of(context)!;
+    final o = operation;
+    final a = p.account(o.quote.request.source);
+    final to = p.account(o.quote.request.destination);
+    final t = Theme.of(context);
+    return Card(
+      child: InkWell(
+        borderRadius: BorderRadius.circular(20),
+        onTap: () => context.push('/activity/${o.id}'),
+        child: Padding(
+          padding: const EdgeInsets.all(20),
+          child: Row(
+            children: [
+              CircleAvatar(
+                backgroundColor: t.colorScheme.primaryContainer,
+                child: Icon(
+                  kindIcon(o.quote.request.kind),
+                  color: t.colorScheme.onPrimaryContainer,
+                ),
+              ),
+              const SizedBox(width: 16),
+              Expanded(
+                child: Column(
+                  crossAxisAlignment: CrossAxisAlignment.start,
+                  children: [
+                    Text(
+                      kindText(l, o.quote.request.kind),
+                      style: t.textTheme.titleMedium,
+                    ),
+                    Text(
+                      '${a?.currency ?? ''}${to == null ? '' : ' → ${to.currency}'} · ${statusText(l, o.status)}',
+                    ),
+                    Text(
+                      DateFormat.yMMMd(
+                        Localizations.localeOf(context).toLanguageTag(),
+                      ).add_Hm().format(o.createdAt),
+                      style: t.textTheme.bodySmall,
+                    ),
+                  ],
+                ),
+              ),
+              const SizedBox(width: 8),
+              Flexible(
+                child: Text(
+                  a == null ? '' : money(context, a, o.quote.request.amount),
+                  textAlign: TextAlign.end,
+                  style: t.textTheme.titleMedium,
+                ),
+              ),
+              const Icon(Icons.chevron_right),
+            ],
+          ),
+        ),
+      ),
+    );
+  }
+}

frontend/app/lib/workspace/copy.dart

@@ -0,0 +1,52 @@
+import 'package:flutter/material.dart';
+
+import 'package:intl/intl.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+String money(BuildContext context, CurrencyAccount account, int amount) =>
+    NumberFormat.currency(
+      locale: Localizations.localeOf(context).toLanguageTag(),
+      name: account.currency,
+      symbol: '${account.currency} ',
+      decimalDigits: account.precision,
+    ).format(amount / account.scale);
+String kindText(AppLocalizations l, TransferKind kind) => switch (kind) {
+  TransferKind.topUp => l.wTopUp,
+  TransferKind.exchange => l.wExchange,
+  TransferKind.payout => l.wPayout,
+};
+IconData kindIcon(TransferKind kind) => switch (kind) {
+  TransferKind.topUp => Icons.add_rounded,
+  TransferKind.exchange => Icons.swap_horiz_rounded,
+  TransferKind.payout => Icons.north_east_rounded,
+};
+String statusText(AppLocalizations l, OperationStatus s) => switch (s) {
+  OperationStatus.pending => l.wPending,
+  OperationStatus.completed => l.wCompleted,
+  OperationStatus.failed => l.wFailed,
+};
+String fundsText(AppLocalizations l, WalletOperation o) =>
+    switch ((o.status, o.quote.request.kind)) {
+      (OperationStatus.pending, TransferKind.topUp) => l.wPendingTopUp,
+      (OperationStatus.pending, TransferKind.exchange) => l.wPendingExchange,
+      (OperationStatus.pending, TransferKind.payout) => l.wPendingPayout,
+      (OperationStatus.completed, TransferKind.topUp) => l.wCompleteTopUp,
+      (OperationStatus.completed, TransferKind.exchange) => l.wCompleteExchange,
+      (OperationStatus.completed, TransferKind.payout) => l.wCompletePayout,
+      (OperationStatus.failed, TransferKind.topUp) => l.wFailedTopUp,
+      _ => l.wFailedOutgoing,
+    };
+String walletError(AppLocalizations l, WalletError e) => switch (e) {
+  WalletError.invalidAmount => l.wInvalidAmount,
+  WalletError.insufficientFunds => l.wInsufficient,
+  WalletError.limitExceeded => l.wLimitError,
+  WalletError.expiredQuote => l.wExpired,
+  WalletError.invalidRecipient => l.wRecipientError,
+  WalletError.unsupported => l.wUnsupported,
+  WalletError.notFound => l.wNotFound,
+  WalletError.uncertain => l.wUncertain,
+  _ => l.wUnavailable,
+};

frontend/app/lib/workspace/limits.dart

@@ -0,0 +1,80 @@
+import 'package:flutter/material.dart';
+
+import 'package:go_router/go_router.dart';
+
+import 'package:provider/provider.dart';
+
+import 'package:sxchnge_kyc/sxchnge_kyc.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import '../kyc/limits.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class LimitsPage extends StatefulWidget {
+  const LimitsPage({super.key});
+  @override
+  State<LimitsPage> createState() => _LimitsPageState();
+}
+
+class _LimitsPageState extends State<LimitsPage> {
+  late final _provider = WorkspaceLimitsProvider(
+    context.read<LimitsService>(),
+    context.read<WalletProvider>(),
+  );
+  @override
+  void initState() {
+    super.initState();
+    WidgetsBinding.instance.addPostFrameCallback((_) {
+      if (mounted) _provider.refresh();
+    });
+  }
+
+  @override
+  void dispose() {
+    _provider.dispose();
+    super.dispose();
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    final l = AppLocalizations.of(context)!;
+    return ChangeNotifierProvider<LimitsProvider>.value(
+      value: _provider,
+      child: SingleChildScrollView(
+        padding: const EdgeInsets.all(24),
+        child: Center(
+          child: ConstrainedBox(
+            constraints: const BoxConstraints(maxWidth: 720),
+            child: Column(
+              crossAxisAlignment: CrossAxisAlignment.stretch,
+              children: [
+                Text(
+                  l.wLimits,
+                  style: Theme.of(context).textTheme.displaySmall,
+                ),
+                const SizedBox(height: 12),
+                Text(l.wLimitsScope),
+                const SizedBox(height: 24),
+                const LimitsPanel(),
+                const SizedBox(height: 20),
+                FilledButton(
+                  onPressed: () async {
+                    await context.push('/identity');
+                    if (mounted) _provider.refresh();
+                  },
+                  child: Text(l.wIdentity),
+                ),
+                TextButton(
+                  onPressed: _provider.refresh,
+                  child: Text(l.wRefresh),
+                ),
+              ],
+            ),
+          ),
+        ),
+      ),
+    );
+  }
+}

frontend/app/lib/workspace/operation.dart

@@ -0,0 +1,152 @@
+import 'package:flutter/material.dart';
+
+import 'package:go_router/go_router.dart';
+
+import 'package:provider/provider.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import 'copy.dart';
+import 'summary.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class OperationPage extends StatefulWidget {
+  const OperationPage({super.key, required this.id});
+  final String id;
+  @override
+  State<OperationPage> createState() => _OperationPageState();
+}
+
+class _OperationPageState extends State<OperationPage> {
+  @override
+  void initState() {
+    super.initState();
+    WidgetsBinding.instance.addPostFrameCallback((_) {
+      if (mounted) context.read<WalletProvider>().refresh();
+    });
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    final p = context.watch<WalletProvider>();
+    final o = p.operation(widget.id);
+    final l = AppLocalizations.of(context)!;
+    final t = Theme.of(context);
+    final c = t.colorScheme;
+    return SingleChildScrollView(
+      padding: const EdgeInsets.all(24),
+      child: Center(
+        child: ConstrainedBox(
+          constraints: const BoxConstraints(maxWidth: 640),
+          child: Column(
+            crossAxisAlignment: CrossAxisAlignment.stretch,
+            children: [
+              Align(
+                alignment: Alignment.centerLeft,
+                child: TextButton.icon(
+                  onPressed: () => context.go('/activity'),
+                  icon: const Icon(Icons.arrow_back),
+                  label: Text(l.wActivity),
+                ),
+              ),
+              if (p.failed)
+                Text(l.wUnavailable, style: TextStyle(color: c.error)),
+              if (o == null) ...[
+                Text(p.loading ? l.wWorking : l.wNotFound),
+                TextButton(
+                  onPressed: p.loading ? null : p.refresh,
+                  child: Text(l.wRefresh),
+                ),
+              ] else ...[
+                Container(
+                  padding: const EdgeInsets.all(28),
+                  decoration: BoxDecoration(
+                    color: o.status == OperationStatus.failed
+                        ? c.errorContainer
+                        : c.primaryContainer,
+                    borderRadius: BorderRadius.circular(28),
+                  ),
+                  child: Column(
+                    crossAxisAlignment: CrossAxisAlignment.start,
+                    children: [
+                      Icon(
+                        o.status == OperationStatus.completed
+                            ? Icons.check_circle_outline
+                            : o.status == OperationStatus.pending
+                            ? Icons.schedule
+                            : Icons.info_outline,
+                        size: 40,
+                        color: o.status == OperationStatus.failed
+                            ? c.onErrorContainer
+                            : c.onPrimaryContainer,
+                      ),
+                      const SizedBox(height: 16),
+                      Semantics(
+                        header: true,
+                        liveRegion: true,
+                        child: Text(
+                          statusText(l, o.status),
+                          key: ValueKey('operation-${o.status.name}'),
+                          style: t.textTheme.displaySmall?.copyWith(
+                            color: o.status == OperationStatus.failed
+                                ? c.onErrorContainer
+                                : c.onPrimaryContainer,
+                          ),
+                        ),
+                      ),
+                      const SizedBox(height: 16),
+                      Text(
+                        fundsText(l, o),
+                        style: TextStyle(
+                          color: o.status == OperationStatus.failed
+                              ? c.onErrorContainer
+                              : c.onPrimaryContainer,
+                        ),
+                      ),
+                    ],
+                  ),
+                ),
+                const SizedBox(height: 20),
+                TransferSummary(quote: o.quote),
+                const SizedBox(height: 16),
+                Text('${l.wReference}: ${o.id}'),
+                if (o.status == OperationStatus.pending) ...[
+                  const SizedBox(height: 12),
+                  Text(l.wPendingHint),
+                  TextButton(
+                    onPressed: p.loading ? null : p.refresh,
+                    child: Text(l.wRefresh),
+                  ),
+                ],
+                const SizedBox(height: 24),
+                if (o.status == OperationStatus.completed &&
+                    o.quote.request.kind != TransferKind.payout)
+                  FilledButton(
+                    onPressed: () => context.go(
+                      o.quote.request.kind == TransferKind.topUp
+                          ? '/exchange'
+                          : '/payout',
+                      extra:
+                          o.quote.request.destination ?? o.quote.request.source,
+                    ),
+                    child: Text(
+                      o.quote.request.kind == TransferKind.topUp
+                          ? l.wExchange
+                          : l.wPayout,
+                    ),
+                  ),
+                TextButton(
+                  onPressed: () => context.go(
+                    '/accounts/${o.quote.request.destination ?? o.quote.request.source}',
+                  ),
+                  child: Text(l.wViewAccount),
+                ),
+              ],
+            ],
+          ),
+        ),
+      ),
+    );
+  }
+}

frontend/app/lib/workspace/settings.dart

@@ -0,0 +1,132 @@
+import 'package:flutter/material.dart';
+
+import 'package:go_router/go_router.dart';
+
+import 'package:provider/provider.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import '../providers/locale.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class SettingsPage extends StatelessWidget {
+  const SettingsPage({super.key});
+  @override
+  Widget build(BuildContext context) {
+    final p = context.watch<WalletProvider>();
+    final locale = context.watch<LocaleProvider>();
+    final l = AppLocalizations.of(context)!;
+    final t = Theme.of(context);
+    return SingleChildScrollView(
+      padding: const EdgeInsets.all(24),
+      child: Center(
+        child: ConstrainedBox(
+          constraints: const BoxConstraints(maxWidth: 720),
+          child: Column(
+            crossAxisAlignment: CrossAxisAlignment.stretch,
+            children: [
+              if (context.canPop())
+                Align(
+                  alignment: Alignment.centerLeft,
+                  child: TextButton.icon(
+                    onPressed: () => context.pop(),
+                    icon: const Icon(Icons.arrow_back),
+                    label: Text(l.kycBack),
+                  ),
+                ),
+              Text(l.wPreferences, style: t.textTheme.displayMedium),
+              const SizedBox(height: 28),
+              Card(
+                child: Padding(
+                  padding: const EdgeInsets.all(24),
+                  child: Column(
+                    crossAxisAlignment: CrossAxisAlignment.stretch,
+                    children: [
+                      Text(l.wLanguage, style: t.textTheme.titleLarge),
+                      const SizedBox(height: 8),
+                      Text(l.wLanguageHelp),
+                      const SizedBox(height: 20),
+                      if (p.profileLoading) const LinearProgressIndicator(),
+                      if (p.profileFailed) ...[
+                        Text(l.wProfileError),
+                        TextButton(
+                          onPressed: () => locale.loadAccount(p),
+                          child: Text(l.wRefresh),
+                        ),
+                      ],
+                      DropdownButtonFormField<String>(
+                        key: ValueKey(
+                          'account-language-${locale.locale.languageCode}',
+                        ),
+                        initialValue: locale.locale.languageCode,
+                        isExpanded: true,
+                        items: const [
+                          DropdownMenuItem(value: 'en', child: Text('English')),
+                          DropdownMenuItem(value: 'ru', child: Text('Русский')),
+                        ],
+                        onChanged: p.saving || p.profileLoading
+                            ? null
+                            : (value) {
+                                if (value != null) {
+                                  locale.saveAccountLocale(p, Locale(value));
+                                }
+                              },
+                        decoration: InputDecoration(labelText: l.wLanguage),
+                      ),
+                      if (p.saving) const LinearProgressIndicator(),
+                      if (p.saveFailed) ...[
+                        const SizedBox(height: 12),
+                        Semantics(
+                          liveRegion: true,
+                          child: Text(l.wLanguageFailed),
+                        ),
+                        TextButton(
+                          onPressed: p.saving
+                              ? null
+                              : () =>
+                                    locale.saveAccountLocale(p, locale.locale),
+                          child: Text(l.wRefresh),
+                        ),
+                      ],
+                    ],
+                  ),
+                ),
+              ),
+              const SizedBox(height: 16),
+              Card(
+                child: ListTile(
+                  contentPadding: const EdgeInsets.all(24),
+                  leading: const Icon(Icons.verified_user_outlined),
+                  title: Text(l.wIdentity),
+                  subtitle: Text(l.wIdentityHelp),
+                  trailing: const Icon(Icons.chevron_right),
+                  onTap: () => context.go('/identity'),
+                ),
+              ),
+              const SizedBox(height: 16),
+              Card(
+                child: Padding(
+                  padding: const EdgeInsets.all(24),
+                  child: Column(
+                    crossAxisAlignment: CrossAxisAlignment.start,
+                    children: [
+                      Text(l.wSecurity, style: t.textTheme.titleLarge),
+                      const SizedBox(height: 12),
+                      Text(l.wSecurityBody),
+                    ],
+                  ),
+                ),
+              ),
+              const SizedBox(height: 20),
+              TextButton(
+                onPressed: () => context.go('/'),
+                child: Text(l.wBackLogin),
+              ),
+            ],
+          ),
+        ),
+      ),
+    );
+  }
+}

frontend/app/lib/workspace/shell.dart

@@ -0,0 +1,134 @@
+import 'package:flutter/material.dart';
+
+import 'package:go_router/go_router.dart';
+
+import 'package:provider/provider.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import '../auth/brand_panel.dart';
+import '../providers/locale.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class WorkspaceShell extends StatefulWidget {
+  const WorkspaceShell({super.key, required this.child, required this.path});
+  final Widget child;
+  final String path;
+  @override
+  State<WorkspaceShell> createState() => _WorkspaceShellState();
+}
+
+class _WorkspaceShellState extends State<WorkspaceShell> {
+  @override
+  void initState() {
+    super.initState();
+    WidgetsBinding.instance.addPostFrameCallback((_) {
+      if (!mounted) return;
+      final wallet = context.read<WalletProvider>();
+      if (wallet.data == null) wallet.refresh();
+      context.read<LocaleProvider>().loadAccount(wallet);
+    });
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    final l = AppLocalizations.of(context)!;
+    final t = Theme.of(context);
+    final c = t.colorScheme;
+    final paths = ['/accounts', '/activity', '/limits', '/settings'];
+    final labels = [l.wAccounts, l.wActivity, l.wLimits, l.wSettings];
+    final icons = [
+      Icons.account_balance_wallet_outlined,
+      Icons.receipt_long_outlined,
+      Icons.speed_outlined,
+      Icons.tune_rounded,
+    ];
+    final index = widget.path.startsWith('/activity')
+        ? 1
+        : widget.path.startsWith('/limits') ||
+              widget.path.startsWith('/identity')
+        ? 2
+        : widget.path.startsWith('/settings')
+        ? 3
+        : 0;
+    void navigate(int i) {
+      if (['/top-up', '/exchange', '/payout'].contains(widget.path) && i >= 2) {
+        context.push(paths[i]);
+      } else {
+        context.go(paths[i]);
+      }
+    }
+
+    final wide = MediaQuery.sizeOf(context).width >= 900;
+    final content = Column(
+      children: [
+        Padding(
+          padding: const EdgeInsets.symmetric(horizontal: 24, vertical: 12),
+          child: Column(
+            crossAxisAlignment: wide
+                ? CrossAxisAlignment.end
+                : CrossAxisAlignment.start,
+            children: [
+              if (!wide) ...[const BrandWordmark(), const SizedBox(height: 8)],
+              Text(l.wDemo, style: t.textTheme.bodySmall),
+            ],
+          ),
+        ),
+        Expanded(child: widget.child),
+      ],
+    );
+    return Scaffold(
+      body: SafeArea(
+        child: Row(
+          children: [
+            if (wide)
+              Container(
+                width: 220,
+                padding: const EdgeInsets.all(20),
+                decoration: BoxDecoration(
+                  color: c.surfaceContainerLow,
+                  border: Border(right: BorderSide(color: c.outlineVariant)),
+                ),
+                child: Column(
+                  crossAxisAlignment: CrossAxisAlignment.stretch,
+                  children: [
+                    const Padding(
+                      padding: EdgeInsets.symmetric(vertical: 24),
+                      child: BrandWordmark(),
+                    ),
+                    const SizedBox(height: 48),
+                    for (var i = 0; i < 4; i++)
+                      Padding(
+                        padding: const EdgeInsets.only(bottom: 12),
+                        child: ListTile(
+                          shape: RoundedRectangleBorder(
+                            borderRadius: BorderRadius.circular(18),
+                          ),
+                          selected: i == index,
+                          selectedTileColor: c.primaryContainer,
+                          leading: Icon(icons[i]),
+                          title: Text(labels[i]),
+                          onTap: () => navigate(i),
+                        ),
+                      ),
+                  ],
+                ),
+              ),
+            Expanded(child: content),
+          ],
+        ),
+      ),
+      bottomNavigationBar: wide
+          ? null
+          : NavigationBar(
+              selectedIndex: index,
+              onDestinationSelected: navigate,
+              destinations: [
+                for (var i = 0; i < 4; i++)
+                  NavigationDestination(icon: Icon(icons[i]), label: labels[i]),
+              ],
+            ),
+    );
+  }
+}

frontend/app/lib/workspace/summary.dart

@@ -0,0 +1,84 @@
+import 'package:flutter/material.dart';
+
+import 'package:intl/intl.dart';
+
+import 'package:provider/provider.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import 'copy.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class TransferSummary extends StatelessWidget {
+  const TransferSummary({super.key, required this.quote});
+  final Quote quote;
+  @override
+  Widget build(BuildContext context) {
+    final p = context.read<WalletProvider>();
+    final l = AppLocalizations.of(context)!;
+    final q = quote;
+    final a = p.account(q.request.source);
+    final b = p.account(q.request.destination) ?? a;
+    if (a == null || b == null) return Text(l.wNotFound);
+    return Card(
+      child: Padding(
+        padding: const EdgeInsets.all(24),
+        child: Column(
+          crossAxisAlignment: CrossAxisAlignment.stretch,
+          children: [
+            _row(
+              context,
+              q.request.kind == TransferKind.topUp ? l.wYouPay : l.wTotalDebit,
+              money(context, a, q.debit),
+              large: true,
+            ),
+            const Divider(height: 32),
+            _row(context, l.wFee, money(context, a, q.fee)),
+            if (q.request.kind == TransferKind.exchange) ...[
+              const SizedBox(height: 16),
+              _row(
+                context,
+                l.wRate,
+                '1 ${a.currency} = ${NumberFormat('0.0000', Localizations.localeOf(context).toLanguageTag()).format(q.rateNumerator / q.rateDenominator)} ${b.currency}',
+              ),
+            ],
+            const SizedBox(height: 16),
+            _row(
+              context,
+              q.request.kind == TransferKind.payout
+                  ? l.wRecipientGets
+                  : l.wCredit,
+              money(context, b, q.credit),
+              large: true,
+            ),
+            if (q.request.kind == TransferKind.payout) ...[
+              const Divider(height: 32),
+              Text(l.wRecipient),
+              SelectableText(q.request.recipient),
+            ],
+          ],
+        ),
+      ),
+    );
+  }
+
+  Widget _row(
+    BuildContext context,
+    String label,
+    String value, {
+    bool large = false,
+  }) => Column(
+    crossAxisAlignment: CrossAxisAlignment.start,
+    children: [
+      Text(label),
+      const SizedBox(height: 4),
+      Text(
+        value,
+        style: large
+            ? Theme.of(context).textTheme.headlineSmall
+            : Theme.of(context).textTheme.titleMedium,
+      ),
+    ],
+  );
+}

frontend/app/lib/workspace/transfer.dart

@@ -0,0 +1,310 @@
+import 'dart:async';
+
+import 'package:flutter/material.dart';
+
+import 'package:go_router/go_router.dart';
+
+import 'package:provider/provider.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import 'copy.dart';
+import 'summary.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class TransferPage extends StatefulWidget {
+  const TransferPage({super.key, required this.kind, this.source});
+  final TransferKind kind;
+  final String? source;
+  @override
+  State<TransferPage> createState() => TransferPageState();
+}
+
+class TransferPageState extends State<TransferPage> {
+  late final _provider = TransferProvider(
+    context.read<WalletProvider>(),
+    widget.kind,
+    source: widget.source,
+  );
+  final _amount = TextEditingController();
+  final _recipient = TextEditingController();
+  final _focus = FocusNode();
+  final _content = GlobalKey();
+  Timer? _timer;
+  bool _navigated = false;
+  @override
+  void initState() {
+    super.initState();
+    WidgetsBinding.instance.addPostFrameCallback((_) {
+      if (mounted) _provider.addListener(_changed);
+    });
+    _timer = Timer.periodic(const Duration(seconds: 1), (_) {
+      if (mounted && _provider.quote != null) setState(() {});
+    });
+  }
+
+  void _changed() {
+    if (_provider.result != null && !_navigated) {
+      _navigated = true;
+      context.go('/activity/${_provider.result!.id}');
+      return;
+    }
+    if (!_provider.busy &&
+        (_provider.quote != null || _provider.error != null)) {
+      WidgetsBinding.instance.addPostFrameCallback((_) {
+        if (mounted && _content.currentContext != null) {
+          Scrollable.ensureVisible(
+            _content.currentContext!,
+            duration: const Duration(milliseconds: 150),
+          );
+          _focus.requestFocus();
+        }
+      });
+    }
+  }
+
+  Future<bool> allowExit() async {
+    if (_provider.result != null) return true;
+    if (_provider.busy || _provider.uncertain) return false;
+    if (!_provider.hasDraft) return true;
+    final l = AppLocalizations.of(context)!;
+    return await showDialog<bool>(
+          context: context,
+          builder: (context) => AlertDialog(
+            title: Text(l.wDiscardTitle),
+            content: Text(l.wDiscardBody),
+            actions: [
+              TextButton(
+                onPressed: () => Navigator.pop(context, false),
+                child: Text(l.wStay),
+              ),
+              FilledButton(
+                onPressed: () => Navigator.pop(context, true),
+                child: Text(l.wClose),
+              ),
+            ],
+          ),
+        ) ??
+        false;
+  }
+
+  @override
+  void dispose() {
+    _timer?.cancel();
+    _provider.removeListener(_changed);
+    _provider.dispose();
+    _amount.dispose();
+    _recipient.dispose();
+    _focus.dispose();
+    super.dispose();
+  }
+
+  @override
+  Widget build(BuildContext context) => ListenableBuilder(
+    listenable: _provider,
+    builder: (context, _) {
+      final p = _provider;
+      final wallet = context.watch<WalletProvider>();
+      final l = AppLocalizations.of(context)!;
+      final t = Theme.of(context);
+      final accounts = wallet.data?.accounts ?? [];
+      final source = wallet.account(p.source);
+      return SingleChildScrollView(
+        padding: const EdgeInsets.all(24),
+        child: Center(
+          child: ConstrainedBox(
+            constraints: const BoxConstraints(maxWidth: 640),
+            child: Column(
+              crossAxisAlignment: CrossAxisAlignment.stretch,
+              children: [
+                Row(
+                  children: [
+                    Expanded(
+                      child: Text(
+                        p.quote == null
+                            ? kindText(l, widget.kind)
+                            : l.wReviewTitle,
+                        style: t.textTheme.displaySmall,
+                      ),
+                    ),
+                    IconButton(
+                      tooltip: l.wClose,
+                      onPressed: p.busy || p.uncertain
+                          ? null
+                          : () => context.go('/accounts'),
+                      icon: const Icon(Icons.close),
+                    ),
+                  ],
+                ),
+                const SizedBox(height: 20),
+                Text(l.wDemoMethodHelp, style: t.textTheme.bodySmall),
+                const SizedBox(height: 24),
+                Focus(
+                  key: _content,
+                  focusNode: _focus,
+                  skipTraversal: true,
+                  includeSemantics: false,
+                  child: Column(
+                    crossAxisAlignment: CrossAxisAlignment.stretch,
+                    children: [
+                      if (p.busy) ...[
+                        const LinearProgressIndicator(),
+                        const SizedBox(height: 12),
+                        Semantics(liveRegion: true, child: Text(l.wWorking)),
+                      ],
+                      if (p.error != null)
+                        Padding(
+                          padding: const EdgeInsets.only(bottom: 20),
+                          child: Semantics(
+                            liveRegion: true,
+                            child: Text(
+                              walletError(l, p.error!),
+                              key: const ValueKey('transfer-error'),
+                              style: TextStyle(color: t.colorScheme.error),
+                            ),
+                          ),
+                        ),
+                      if (p.noSubmission) Text(l.wNoSubmission),
+                      if (p.uncertain) ...[
+                        Text(l.wUncertain),
+                        FilledButton(
+                          onPressed: p.busy ? null : p.reconcile,
+                          child: Text(l.wCheckOutcome),
+                        ),
+                      ] else if (p.quote != null) ...[
+                        TransferSummary(quote: p.quote!),
+                        const SizedBox(height: 16),
+                        Text(p.expired ? l.wExpired : l.wQuoteNotice),
+                        const SizedBox(height: 20),
+                        if (p.expired)
+                          FilledButton(
+                            onPressed: p.busy ? null : p.review,
+                            child: Text(l.wNewQuote),
+                          )
+                        else
+                          FilledButton(
+                            key: const ValueKey('transfer-confirm'),
+                            onPressed: p.busy ? null : p.submit,
+                            child: Text(l.wConfirm),
+                          ),
+                        TextButton(
+                          onPressed: p.busy ? null : p.edit,
+                          child: Text(l.wEdit),
+                        ),
+                      ] else ...[
+                        if (accounts.isEmpty) ...[
+                          Text(wallet.loading ? l.wWorking : l.wEmptyAccounts),
+                          TextButton(
+                            onPressed: wallet.loading ? null : wallet.refresh,
+                            child: Text(l.wRefresh),
+                          ),
+                        ] else ...[
+                          DropdownButtonFormField<String>(
+                            key: ValueKey('source-${p.source}'),
+                            initialValue: accounts.any((a) => a.id == p.source)
+                                ? p.source
+                                : null,
+                            isExpanded: true,
+                            decoration: InputDecoration(
+                              labelText: widget.kind == TransferKind.topUp
+                                  ? l.wReceiveAccount
+                                  : l.wSource,
+                            ),
+                            items: accounts
+                                .map(
+                                  (a) => DropdownMenuItem(
+                                    value: a.id,
+                                    child: Text(a.currency),
+                                  ),
+                                )
+                                .toList(),
+                            onChanged: p.busy
+                                ? null
+                                : (v) => p.change(source: v),
+                          ),
+                          if (source != null) ...[
+                            const SizedBox(height: 10),
+                            Text(
+                              '${l.wAvailable}: ${money(context, source, source.available)}',
+                            ),
+                          ],
+                          if (widget.kind == TransferKind.exchange) ...[
+                            const SizedBox(height: 20),
+                            DropdownButtonFormField<String>(
+                              key: ValueKey('destination-${p.destination}'),
+                              initialValue: p.destination,
+                              isExpanded: true,
+                              decoration: InputDecoration(
+                                labelText: l.wDestination,
+                              ),
+                              items: accounts
+                                  .map(
+                                    (a) => DropdownMenuItem(
+                                      value: a.id,
+                                      child: Text(a.currency),
+                                    ),
+                                  )
+                                  .toList(),
+                              onChanged: p.busy
+                                  ? null
+                                  : (v) => p.change(destination: v),
+                            ),
+                          ],
+                          const SizedBox(height: 20),
+                          TextField(
+                            key: const ValueKey('transfer-amount'),
+                            controller: _amount,
+                            enabled: !p.busy,
+                            keyboardType: const TextInputType.numberWithOptions(
+                              decimal: true,
+                            ),
+                            decoration: InputDecoration(
+                              labelText: l.wAmount,
+                              suffixText: source?.currency,
+                            ),
+                            onChanged: (v) => p.change(amount: v),
+                          ),
+                          if (widget.kind == TransferKind.payout) ...[
+                            const SizedBox(height: 20),
+                            TextField(
+                              key: const ValueKey('transfer-recipient'),
+                              controller: _recipient,
+                              enabled: !p.busy,
+                              decoration: InputDecoration(
+                                labelText: l.wRecipient,
+                                hintText: l.wRecipientHint,
+                              ),
+                              onChanged: (v) => p.change(recipient: v),
+                            ),
+                          ],
+                          const SizedBox(height: 28),
+                          FilledButton(
+                            key: const ValueKey('transfer-review'),
+                            onPressed: p.busy ? null : p.review,
+                            child: Text(l.wReview),
+                          ),
+                          if (p.error == WalletError.limitExceeded)
+                            TextButton(
+                              onPressed: () => context.push('/limits'),
+                              child: Text(l.wLimits),
+                            ),
+                          if (p.error == WalletError.insufficientFunds)
+                            TextButton(
+                              onPressed: () =>
+                                  context.push('/top-up', extra: p.source),
+                              child: Text(l.wTopUp),
+                            ),
+                        ],
+                      ],
+                    ],
+                  ),
+                ),
+              ],
+            ),
+          ),
+        ),
+      );
+    },
+  );
+}

frontend/app/pubspec.lock

@@ -494,6 +494,13 @@ packages:
       relative: true
     source: path
     version: "0.1.0"
+  sxchnge_wallet:
+    dependency: "direct main"
+    description:
+      path: "../packages/sxchnge_wallet"
+      relative: true
+    source: path
+    version: "0.1.0"
   term_glyph:
     dependency: transitive
     description:

frontend/app/pubspec.yaml

@@ -6,6 +6,8 @@ environment:
   sdk: '>=3.13.0 <4.0.0'
   flutter: '>=3.47.0'
 dependencies:
+  sxchnge_wallet:
+    path: ../packages/sxchnge_wallet
   sxchnge_kyc:
     path: ../packages/sxchnge_kyc
   sxchnge_analytics:

frontend/app/test/kyc_test.dart

@@ -178,7 +178,7 @@ void main() {
     await t.pumpAndSettle();
     await tap(t, find.text('Discard & leave'));
     expect(find.byKey(const ValueKey('kyc-start')), findsNothing);
-    expect(find.text('Explore verification & limits'), findsOneWidget);
+    expect(find.text('Explore your accounts'), findsOneWidget);
   });
   testWidgets('overview controls have accessible labels and touch targets', (
     t,

frontend/app/test/limits_test.dart

@@ -63,12 +63,14 @@ void main() {
         );
         await tester.pumpAndSettle();
         expect(
-          find.text(locale == 'en' ? 'Used' : 'Использовано'),
+          find.text(
+            locale == 'en' ? 'Used this period' : 'Использовано за период',
+          ),
           findsOneWidget,
         );
         expect(
           find.text(locale == 'en' ? 'Reserved' : 'Зарезервировано'),
-          findsOneWidget,
+          findsNothing,
         );
         expect(
           tester

frontend/app/test/localization_test.dart

@@ -83,15 +83,7 @@ void main() {
       await tester.tap(find.byKey(const ValueKey('submit')));
       await tester.pumpAndSettle();
       expect(find.text('Enter a valid email address.'), findsOneWidget);
-      await tester.ensureVisible(find.byKey(const ValueKey('locale-selector')));
+      await locale.setLocale(const Locale('ru'));
-      await tester.tap(find.byKey(const ValueKey('locale-selector')));
-      await tester.pumpAndSettle();
-      await tester.tap(
-        find.ancestor(
-          of: find.text('Русский'),
-          matching: find.byType(CheckedPopupMenuItem<Locale>),
-        ),
-      );
       await tester.pumpAndSettle();
       expect(find.text('Введите корректный адрес почты.'), findsOneWidget);
       expect(find.text('Алексей'), findsOneWidget);

frontend/app/test/verification_test.dart

@@ -2,9 +2,12 @@ import 'package:flutter/material.dart';
 
 import 'package:flutter_test/flutter_test.dart';
 
+import 'package:provider/provider.dart';
+
 import 'package:sxchnge_auth/sxchnge_auth.dart';
 
 import 'package:sxchnge_app/main.dart';
+import 'package:sxchnge_app/providers/locale.dart';
 
 class RecoveringService implements VerificationService {
   int sends = 0;
@@ -120,16 +123,10 @@ void main() {
       addTearDown(tester.platformDispatcher.clearTextScaleFactorTestValue);
       await openVerification(tester, route);
       expect(tester.takeException(), isNull);
-      await tester.tap(find.byKey(const ValueKey('locale-selector')));
+      final element = tester.element(find.byType(Scaffold).first);
+      await element.read<LocaleProvider>().setLocale(const Locale('ru'));
       await tester.pumpAndSettle();
-      await tester.tap(
+      expect(find.byKey(const ValueKey('locale-selector')), findsNothing);
-        find.ancestor(
-          of: find.text('Русский'),
-          matching: find.byType(CheckedPopupMenuItem<Locale>),
-        ),
-      );
-      await tester.pumpAndSettle();
-      expect(find.text('RU'), findsOneWidget);
       expect(tester.takeException(), isNull);
     });
   }

frontend/app/test/workspace_test.dart

@@ -0,0 +1,220 @@
+import 'package:flutter/material.dart';
+
+import 'package:flutter_test/flutter_test.dart';
+
+import 'package:go_router/go_router.dart';
+
+import 'package:sxchnge_kyc/sxchnge_kyc.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import 'package:sxchnge_app/main.dart';
+import 'package:sxchnge_app/providers/locale.dart';
+
+Future<void> tap(WidgetTester t, Finder f) async {
+  await t.ensureVisible(f);
+  await t.tap(f);
+  await t.pumpAndSettle();
+}
+
+Future<DummyWalletService> open(
+  WidgetTester t, {
+  String path = '/accounts',
+  String locale = 'en',
+  Duration settlement = Duration.zero,
+}) async {
+  t.platformDispatcher.defaultRouteNameTestValue = path;
+  addTearDown(t.platformDispatcher.clearDefaultRouteNameTestValue);
+  final identity = DummyIdentityService(delay: Duration.zero);
+  final service = DummyWalletService(
+    identity,
+    delay: Duration.zero,
+    settlement: settlement,
+    initialLocale: locale,
+  );
+  await t.pumpWidget(
+    SxchngeApp(
+      identityService: identity,
+      walletService: service,
+      localeProvider: LocaleProvider(initialLocale: Locale(locale)),
+    ),
+  );
+  await t.pumpAndSettle();
+  addTearDown(() => t.pumpWidget(const SizedBox.shrink()));
+  return service;
+}
+
+void main() {
+  testWidgets('available-only accounts expose one set of actions', (t) async {
+    await open(t);
+    expect(find.text('Reserved'), findsNothing);
+    expect(find.text('Held'), findsNothing);
+    expect(find.byKey(const ValueKey('exchange-eur')), findsOneWidget);
+    expect(find.byKey(const ValueKey('exchange-usd')), findsNothing);
+    await tap(t, find.byKey(const ValueKey('account-usd')));
+    expect(find.byKey(const ValueKey('topUp-usd')), findsOneWidget);
+    expect(find.byKey(const ValueKey('exchange-eur')), findsNothing);
+  });
+  testWidgets('top-up exchange payout end-to-end and history', (t) async {
+    final s = await open(t);
+    await tap(t, find.byKey(const ValueKey('topUp-eur')));
+    await t.enterText(find.byKey(const ValueKey('transfer-amount')), '10');
+    await tap(t, find.byKey(const ValueKey('transfer-review')));
+    expect(find.text('You pay'), findsOneWidget);
+    await tap(t, find.byKey(const ValueKey('transfer-confirm')));
+    expect(find.byKey(const ValueKey('operation-completed')), findsOneWidget);
+    expect(
+      find.text(
+        'Your account has been credited. The money is available to use.',
+      ),
+      findsOneWidget,
+    );
+    await tap(t, find.text('Exchange').last);
+    await t.enterText(find.byKey(const ValueKey('transfer-amount')), '20');
+    await tap(t, find.byKey(const ValueKey('transfer-review')));
+    expect(find.text('Leaves your account'), findsOneWidget);
+    expect(find.text('Fee'), findsOneWidget);
+    await tap(t, find.byKey(const ValueKey('transfer-confirm')));
+    expect(find.byKey(const ValueKey('operation-completed')), findsOneWidget);
+    await tap(t, find.text('Pay out').last);
+    await t.enterText(find.byKey(const ValueKey('transfer-amount')), '5');
+    await t.enterText(
+      find.byKey(const ValueKey('transfer-recipient')),
+      'Sample recipient',
+    );
+    await tap(t, find.byKey(const ValueKey('transfer-review')));
+    expect(find.text('Recipient receives'), findsOneWidget);
+    await tap(t, find.byKey(const ValueKey('transfer-confirm')));
+    expect(find.byKey(const ValueKey('operation-completed')), findsOneWidget);
+    final data = (await t.runAsync(() => s.fetch()))!;
+    expect(data.operations.length, 3);
+    expect(data.accounts.first.available, 6490);
+    expect(data.accounts[1].available, 1600);
+  });
+  testWidgets(
+    'processing payout explains reduced available balance then failed refund',
+    (t) async {
+      final s = await open(
+        t,
+        path: '/payout',
+        settlement: const Duration(milliseconds: 100),
+      );
+      s.failNextOperation = true;
+      await t.enterText(find.byKey(const ValueKey('transfer-amount')), '10');
+      await t.enterText(
+        find.byKey(const ValueKey('transfer-recipient')),
+        'Sample recipient',
+      );
+      await tap(t, find.byKey(const ValueKey('transfer-review')));
+      await tap(t, find.byKey(const ValueKey('transfer-confirm')));
+      // Settlement is service-owned; refresh after the simulated processing period.
+      await t.runAsync(
+        () => Future<void>.delayed(const Duration(milliseconds: 150)),
+      );
+      await t.pump(const Duration(seconds: 3));
+      await t.pumpAndSettle();
+      expect(find.byKey(const ValueKey('operation-failed')), findsOneWidget);
+      expect(
+        find.text(
+          'The transaction did not complete. The amount and fee are available in your account again.',
+        ),
+        findsOneWidget,
+      );
+      expect(
+        ((await t.runAsync(() => s.fetch()))!).accounts.first.available,
+        7500,
+      );
+    },
+  );
+  testWidgets(
+    'settings saves account language and hides page language selectors',
+    (t) async {
+      final s = await open(t, path: '/settings');
+      expect(find.byKey(const ValueKey('locale-selector')), findsNothing);
+      await tap(t, find.byKey(const ValueKey('account-language-en')));
+      await tap(t, find.text('Русский').last);
+      expect(((await t.runAsync(() => s.profile()))!).locale, 'ru');
+      expect(find.text('Язык аккаунта'), findsWidgets);
+    },
+  );
+  testWidgets(
+    'language save failure retains session choice and provides retry',
+    (t) async {
+      final s = await open(t, path: '/settings');
+      s.nextError = WalletError.unavailable;
+      await tap(t, find.byKey(const ValueKey('account-language-en')));
+      await tap(t, find.text('Русский').last);
+      expect(
+        find.text(
+          'Изменено для текущей сессии, но не сохранено в аккаунте. Повторите попытку ниже.',
+        ),
+        findsOneWidget,
+      );
+      expect(((await t.runAsync(() => s.profile()))!).locale, 'en');
+      await tap(t, find.text('Обновить').last);
+      expect(((await t.runAsync(() => s.profile()))!).locale, 'ru');
+    },
+  );
+  testWidgets(
+    'insufficient funds preserves entered amount and can be corrected',
+    (t) async {
+      await open(t, path: '/exchange');
+      await t.enterText(find.byKey(const ValueKey('transfer-amount')), '900');
+      await tap(t, find.byKey(const ValueKey('transfer-review')));
+      expect(find.byKey(const ValueKey('transfer-error')), findsOneWidget);
+      expect(find.text('900'), findsOneWidget);
+      await t.enterText(find.byKey(const ValueKey('transfer-amount')), '5');
+      await tap(t, find.byKey(const ValueKey('transfer-review')));
+      expect(find.byKey(const ValueKey('transfer-confirm')), findsOneWidget);
+    },
+  );
+  testWidgets('uncertain submission checks outcome instead of sending twice', (
+    t,
+  ) async {
+    final s = await open(t, path: '/exchange');
+    await t.enterText(find.byKey(const ValueKey('transfer-amount')), '5');
+    await tap(t, find.byKey(const ValueKey('transfer-review')));
+    s.loseNextResponse = true;
+    await tap(t, find.byKey(const ValueKey('transfer-confirm')));
+    expect(find.text('Check outcome'), findsOneWidget);
+    await tap(t, find.text('Check outcome'));
+    expect(((await t.runAsync(() => s.fetch()))!).operations.length, 1);
+    expect(find.byKey(const ValueKey('operation-completed')), findsOneWidget);
+  });
+  for (final path in [
+    '/accounts',
+    '/exchange',
+    '/payout',
+    '/activity',
+    '/limits',
+    '/settings',
+  ]) {
+    testWidgets('$path fits Russian at 320px with larger text', (t) async {
+      t.view.physicalSize = const Size(320, 1100);
+      t.view.devicePixelRatio = 1;
+      t.platformDispatcher.textScaleFactorTestValue = 1.6;
+      addTearDown(t.view.resetPhysicalSize);
+      addTearDown(t.view.resetDevicePixelRatio);
+      addTearDown(t.platformDispatcher.clearTextScaleFactorTestValue);
+      await open(t, path: path, locale: 'ru');
+      expect(t.takeException(), null);
+      if (path == '/exchange') {
+        await t.enterText(find.byKey(const ValueKey('transfer-amount')), '5');
+        await tap(t, find.byKey(const ValueKey('transfer-review')));
+        expect(t.takeException(), null);
+      }
+    });
+  }
+  testWidgets('leaving a draft requires a clear discard choice', (t) async {
+    await open(t, path: '/exchange');
+    await t.enterText(find.byKey(const ValueKey('transfer-amount')), '5');
+    final router = GoRouter.of(
+      t.element(find.byKey(const ValueKey('transfer-amount'))),
+    );
+    router.go('/accounts');
+    await t.pumpAndSettle();
+    expect(find.text('Leave this transaction?'), findsOneWidget);
+    await tap(t, find.text('Keep editing'));
+    expect(find.text('5'), findsOneWidget);
+  });
+}

frontend/packages/sxchnge_analytics/lib/sxchnge_analytics.dart

@@ -2,7 +2,7 @@ import 'dart:async';
 import 'dart:collection';
 import 'dart:math';
 
-enum JourneyKind { login, signup, verification, kyc }
+enum JourneyKind { login, signup, verification, kyc, topUp, exchange, payout }
 
 enum JourneyStep {
   login,
@@ -14,6 +14,10 @@ enum JourneyStep {
   kycSelfie,
   kycSubmission,
   kycStatus,
+  transferDraft,
+  transferQuote,
+  transferSubmission,
+  settlement,
 }
 
 enum JourneySignal {
@@ -27,6 +31,9 @@ enum JourneySignal {
 }
 
 enum JourneyFailure {
+  insufficientFunds,
+  limitExceeded,
+  declined,
   document,
   invalidCredentials,
   emailInUse,
@@ -79,7 +86,13 @@ class AnalyticsEvent {
   final bool simulated;
   final DateTime occurredAt;
   String get name {
-    final area = kind == JourneyKind.kyc ? 'kyc' : 'auth';
+    final area = switch (kind) {
+      JourneyKind.kyc => 'kyc',
+      JourneyKind.topUp => 'top_up',
+      JourneyKind.exchange => 'exchange',
+      JourneyKind.payout => 'payout',
+      _ => 'auth',
+    };
     var stage = step == null ? 'journey' : _snake(step!.name);
     if (kind == JourneyKind.kyc) stage = stage.replaceFirst('kyc_', '');
     return '${area}_${stage}_${signal.name}';
@@ -189,7 +202,7 @@ class JourneyRecorder {
     operation._finished = true;
     journey.pending--;
     journey.simulated |= simulated;
-    final complete = failure == null && !cancelled && terminal;
+    final complete = !cancelled && terminal;
     _emit(
       journey,
       cancelled
@@ -257,8 +270,8 @@ class JourneyRecorder {
     );
   }
 
-  void dispose() {
+  void dispose({bool abandonActive = true}) {
-    abandon(JourneyExit.disposed);
+    if (abandonActive) abandon(JourneyExit.disposed);
     _disposed = true;
     _idle?.cancel();
   }

frontend/packages/sxchnge_kyc/lib/limits_transport.dart

@@ -0,0 +1,2 @@
+/// Shared limit transport contract for service adapters.
+export 'src/transport/contracts.dart' show LimitsDTO, LimitDTO, LimitsMapper;

frontend/packages/sxchnge_wallet/.gitignore

@@ -0,0 +1,3 @@
+.dart_tool/
+build/
+pubspec.lock

frontend/packages/sxchnge_wallet/README.md

@@ -0,0 +1,48 @@
+# SXCHNGE wallet
+
+Shared Flutter domain, injectable services and providers for accounts, quotes,
+operations, limits synchronization and account language. Web and mobile clients
+consume the same models; widgets do not call transport APIs.
+
+`WalletService` returns mapped domain models. `DummyWalletService` is an in-memory
+backend stand-in; `WalletProvider` owns snapshots and pending-operation refresh,
+`TransferProvider` owns draft/review/submission/reconciliation, and
+`WorkspaceLimitsProvider` refetches the separate `LimitsService` projection when
+wallet state changes. The adapter reuses the KYC package's limit DTO and mapper.
+
+## Demo behavior
+
+- Opening balances: EUR 75, USD 0, GBP 0. No invented historical transactions.
+- Fixed demo ratios: EUR/USD 1.1; GBP uses weight 1300 vs EUR 1100 and USD 1000.
+- Top-up fee zero; exchange fee 0.5% rounded down, minimum one minor unit;
+  payout fee 100 minor units. Quote expiry is 60 seconds.
+- Top-ups credit only after settlement. Outgoing total debit includes the fee;
+  it leaves available balance on acceptance. Failed outgoing operations restore
+  that exact total. Exchange destination credits only on completion.
+- Outgoing usage, including fees, is converted upward to EUR minor units.
+  Basic caps: EUR 100/day and 500/month; verified: 2500/day and 10000/month.
+  Top-ups do not consume outgoing capacity. Windows follow the stub's local clock.
+  Policy, usage and remaining are returned by the service, not set in widgets.
+- Submission rechecks balance, limits and expiry, is idempotent by request key,
+  and permits a quote to execute only once. Unknown outcomes reconcile before
+  any resubmission. `nextError`, `loseNextResponse`, `failNextOperation`, injectable
+  clock/delays support deterministic failure testing.
+- Everything resets on application reload. Recipient values are demo text only;
+  no bank details, payment provider, storage or real money movement is connected.
+
+## Integration boundary
+
+Replace `WalletService` and `LimitsService` together with authenticated backend
+adapters. The backend must provide authorization, authoritative quotes/balances,
+atomic limits enforcement, durable idempotency and operation reconciliation.
+Add supported payment methods and validated recipients from that contract, rather
+than interpreting the demo input as production bank validation. Replace profile
+storage with the signed-in account endpoint. No authorization is supplied by
+public demo routes or an available balance.
+
+Analytics use the shared typed recorder: draft, quote, submission and authoritative
+settlement. Retried submissions keep a journey; each accepted operation closes
+once on success/failure. Closing the app while pending does not count as draft
+abandonment. No amounts, account IDs or recipient data enter events. All demo
+signals are simulated. Cross-session outcomes require backend event delivery;
+client-only analytics are not production accounting or conversion evidence.

frontend/packages/sxchnge_wallet/lib/src/models/wallet.dart

@@ -0,0 +1,113 @@
+enum TransferKind { topUp, exchange, payout }
+
+enum OperationStatus { pending, completed, failed }
+
+enum WalletError {
+  unavailable,
+  invalidAmount,
+  insufficientFunds,
+  limitExceeded,
+  expiredQuote,
+  invalidRecipient,
+  unsupported,
+  notFound,
+  uncertain,
+}
+
+class WalletException implements Exception {
+  const WalletException(this.code);
+  final WalletError code;
+}
+
+class CurrencyAccount {
+  const CurrencyAccount({
+    required this.id,
+    required this.currency,
+    required this.precision,
+    required this.available,
+  });
+  final String id, currency;
+  final int precision, available;
+
+  /// Locale-aware decimal input, integer money. Grouping/exponents are rejected.
+  int? parse(String input) {
+    final value = input.trim().replaceAll(',', '.');
+    if (!RegExp(r'^\d+(\.\d+)?$').hasMatch(value)) return null;
+    final parts = value.split('.');
+    if (parts.length > 1 && parts[1].length > precision) return null;
+    final major = int.tryParse(parts[0]);
+    if (major == null || major > 100000000) return null;
+    final fraction = parts.length > 1
+        ? int.parse(parts[1].padRight(precision, '0'))
+        : 0;
+    return major * scale + fraction;
+  }
+
+  int get scale {
+    var v = 1;
+    for (var i = 0; i < precision; i++) {
+      v *= 10;
+    }
+    return v;
+  }
+}
+
+class TransferRequest {
+  const TransferRequest({
+    required this.kind,
+    required this.source,
+    required this.amount,
+    this.destination,
+    this.recipient = '',
+  });
+  final TransferKind kind;
+  final String source;
+  final int amount;
+  final String? destination;
+  final String recipient;
+}
+
+class Quote {
+  const Quote({
+    required this.id,
+    required this.request,
+    required this.fee,
+    required this.debit,
+    required this.credit,
+    required this.expiresAt,
+    required this.rateNumerator,
+    required this.rateDenominator,
+  });
+  final String id;
+  final TransferRequest request;
+  final int fee, debit, credit, rateNumerator, rateDenominator;
+  final DateTime expiresAt;
+}
+
+class WalletOperation {
+  const WalletOperation({
+    required this.id,
+    required this.quote,
+    required this.status,
+    required this.createdAt,
+  });
+  final String id;
+  final Quote quote;
+  final OperationStatus status;
+  final DateTime createdAt;
+}
+
+class WalletSnapshot {
+  WalletSnapshot({
+    required List<CurrencyAccount> accounts,
+    required List<WalletOperation> operations,
+  }) : accounts = List.unmodifiable(accounts),
+       operations = List.unmodifiable(operations);
+  final List<CurrencyAccount> accounts;
+  final List<WalletOperation> operations;
+}
+
+class AccountProfile {
+  const AccountProfile(this.locale);
+  final String locale;
+}

frontend/packages/sxchnge_wallet/lib/src/providers/limits.dart

@@ -0,0 +1,25 @@
+import 'package:sxchnge_kyc/sxchnge_kyc.dart';
+
+import '../models/wallet.dart';
+import 'wallet.dart';
+
+/// Refetch the backend projection when an operation changes the wallet.
+class WorkspaceLimitsProvider extends LimitsProvider {
+  WorkspaceLimitsProvider(super.service, this.wallet) {
+    _snapshot = wallet.data;
+    wallet.addListener(_changed);
+  }
+  final WalletProvider wallet;
+  WalletSnapshot? _snapshot;
+  void _changed() {
+    if (identical(_snapshot, wallet.data)) return;
+    _snapshot = wallet.data;
+    refresh();
+  }
+
+  @override
+  void dispose() {
+    wallet.removeListener(_changed);
+    super.dispose();
+  }
+}

frontend/packages/sxchnge_wallet/lib/src/providers/transfer.dart

@@ -0,0 +1,213 @@
+import 'dart:math';
+
+import 'package:flutter/foundation.dart';
+
+import 'package:sxchnge_analytics/sxchnge_analytics.dart';
+
+import '../models/wallet.dart';
+import 'wallet.dart';
+
+class TransferProvider extends ChangeNotifier {
+  TransferProvider(this.wallet, this.kind, {String? source})
+    : source = source ?? wallet.data?.accounts.firstOrNull?.id ?? 'eur',
+      recorder = JourneyRecorder(wallet.analytics) {
+    destination =
+        wallet.data?.accounts
+            .where((a) => a.id != this.source)
+            .firstOrNull
+            ?.id ??
+        'usd';
+    final op = recorder.begin(
+      journey,
+      JourneyStep.transferDraft,
+      simulated: wallet.service.isSimulated,
+    );
+    recorder.finish(op, simulated: wallet.service.isSimulated);
+  }
+  final WalletProvider wallet;
+  final TransferKind kind;
+  final JourneyRecorder recorder;
+  String source;
+  String? destination;
+  String amount = '', recipient = '';
+  Quote? quote;
+  WalletOperation? result;
+  WalletError? error;
+  bool noSubmission = false;
+  bool busy = false, uncertain = false, _disposed = false, _handedOff = false;
+  int _revision = 0;
+  String? _key;
+  JourneyKind get journey => switch (kind) {
+    TransferKind.topUp => JourneyKind.topUp,
+    TransferKind.exchange => JourneyKind.exchange,
+    TransferKind.payout => JourneyKind.payout,
+  };
+  bool get hasDraft => amount.isNotEmpty || recipient.isNotEmpty;
+  bool get expired =>
+      quote != null && !DateTime.now().isBefore(quote!.expiresAt);
+  void change({
+    String? source,
+    String? destination,
+    String? amount,
+    String? recipient,
+  }) {
+    if (busy || uncertain) return;
+    this.source = source ?? this.source;
+    this.destination = destination ?? this.destination;
+    this.amount = amount ?? this.amount;
+    this.recipient = recipient ?? this.recipient;
+    quote = null;
+    noSubmission = false;
+    error = null;
+    _key = null;
+    _revision++;
+    notifyListeners();
+  }
+
+  void edit() {
+    if (!busy && !uncertain) {
+      quote = null;
+      error = null;
+      _key = null;
+      notifyListeners();
+    }
+  }
+
+  Future<void> review() async {
+    if (busy || uncertain) return;
+    final money = wallet.account(source)?.parse(amount);
+    if (money == null || money <= 0) {
+      error = WalletError.invalidAmount;
+      notifyListeners();
+      return;
+    }
+    busy = true;
+    noSubmission = false;
+    error = null;
+    notifyListeners();
+    final revision = ++_revision;
+    final op = recorder.begin(
+      journey,
+      JourneyStep.transferQuote,
+      simulated: wallet.service.isSimulated,
+    );
+    try {
+      final q = await wallet.service.quote(
+        TransferRequest(
+          kind: kind,
+          source: source,
+          amount: money,
+          destination: kind == TransferKind.exchange ? destination : null,
+          recipient: recipient.trim(),
+        ),
+      );
+      if (_disposed || revision != _revision) return;
+      quote = q;
+      _key = null;
+      recorder.finish(op, simulated: wallet.service.isSimulated);
+    } catch (e) {
+      if (_disposed) return;
+      error = _code(e);
+      recorder.finish(op, failure: _failure(error!));
+    }
+    if (_disposed) return;
+    busy = false;
+    notifyListeners();
+  }
+
+  Future<void> submit() async {
+    if (busy || quote == null || uncertain) return;
+    if (expired) {
+      error = WalletError.expiredQuote;
+      notifyListeners();
+      return;
+    }
+    busy = true;
+    noSubmission = false;
+    error = null;
+    notifyListeners();
+    _key ??= List.generate(
+      16,
+      (_) => Random.secure().nextInt(256).toRadixString(16).padLeft(2, '0'),
+    ).join();
+    final op = recorder.begin(
+      journey,
+      JourneyStep.transferSubmission,
+      simulated: wallet.service.isSimulated,
+    );
+    try {
+      final r = await wallet.service.submit(quote!.id, _key!);
+      if (_disposed) return;
+      _accepted(r, op);
+    } catch (e) {
+      if (_disposed) return;
+      error = _code(e);
+      // All transport/unexpected failures are ambiguous after execution started.
+      uncertain = [
+        WalletError.unavailable,
+        WalletError.uncertain,
+      ].contains(error);
+      recorder.finish(op, failure: _failure(error!));
+    }
+    if (_disposed) return;
+    busy = false;
+    notifyListeners();
+  }
+
+  void _accepted(WalletOperation value, JourneyOperation op) {
+    result = value;
+    uncertain = false;
+    error = null;
+    recipient = '';
+    recorder.finish(op, simulated: wallet.service.isSimulated);
+    wallet.track(value, recorder, journey);
+    _handedOff = true;
+  }
+
+  Future<void> reconcile() async {
+    if (busy || !uncertain || _key == null) return;
+    busy = true;
+    noSubmission = false;
+    error = null;
+    notifyListeners();
+    final op = recorder.begin(
+      journey,
+      JourneyStep.transferSubmission,
+      simulated: wallet.service.isSimulated,
+    );
+    try {
+      final r = await wallet.service.findSubmission(_key!);
+      if (_disposed) return;
+      if (r != null) {
+        _accepted(r, op);
+      } else {
+        uncertain = false;
+        noSubmission = true;
+        recorder.finish(op, simulated: wallet.service.isSimulated);
+      }
+    } catch (e) {
+      if (_disposed) return;
+      error = _code(e);
+      recorder.finish(op, failure: JourneyFailure.unavailable);
+    }
+    if (_disposed) return;
+    busy = false;
+    notifyListeners();
+  }
+
+  WalletError _code(Object e) =>
+      e is WalletException ? e.code : WalletError.unavailable;
+  JourneyFailure _failure(WalletError e) => switch (e) {
+    WalletError.insufficientFunds => JourneyFailure.insufficientFunds,
+    WalletError.limitExceeded => JourneyFailure.limitExceeded,
+    WalletError.expiredQuote => JourneyFailure.expired,
+    _ => JourneyFailure.unavailable,
+  };
+  @override
+  void dispose() {
+    _disposed = true;
+    recipient = '';
+    if (!_handedOff) recorder.dispose();
+    super.dispose();
+  }
+}

frontend/packages/sxchnge_wallet/lib/src/providers/wallet.dart

@@ -0,0 +1,150 @@
+import 'dart:async';
+
+import 'package:flutter/foundation.dart';
+
+import 'package:sxchnge_analytics/sxchnge_analytics.dart';
+
+import '../models/wallet.dart';
+import '../services/contracts.dart';
+
+class WalletProvider extends ChangeNotifier {
+  WalletProvider(this.service, this.analytics);
+  final WalletService service;
+  final AnalyticsService analytics;
+  WalletSnapshot? data;
+  bool loading = false,
+      failed = false,
+      profileLoading = false,
+      profileFailed = false,
+      saving = false,
+      saveFailed = false;
+  String? preferredLocale;
+  bool _disposed = false;
+  int _revision = 0;
+  Timer? _poll;
+  final _settlements = <String, (JourneyRecorder, JourneyOperation)>{};
+  CurrencyAccount? account(String? id) {
+    for (final a in data?.accounts ?? <CurrencyAccount>[]) {
+      if (a.id == id) return a;
+    }
+    return null;
+  }
+
+  WalletOperation? operation(String id) {
+    for (final o in data?.operations ?? <WalletOperation>[]) {
+      if (o.id == id) return o;
+    }
+    return null;
+  }
+
+  bool get hasPending =>
+      data?.operations.any((o) => o.status == OperationStatus.pending) ?? false;
+  Future<void> refresh() async {
+    final rev = ++_revision;
+    loading = true;
+    failed = false;
+    notifyListeners();
+    try {
+      final result = await service.fetch();
+      if (_disposed || rev != _revision) return;
+      data = result;
+      for (final o in result.operations) {
+        if (o.status == OperationStatus.pending) continue;
+        final pair = _settlements.remove(o.id);
+        if (pair != null) {
+          pair.$1.finish(
+            pair.$2,
+            simulated: service.isSimulated,
+            failure: o.status == OperationStatus.failed
+                ? JourneyFailure.declined
+                : null,
+            terminal: true,
+          );
+          pair.$1.dispose();
+        }
+      }
+    } catch (_) {
+      if (_disposed || rev != _revision) return;
+      failed = true;
+    }
+    if (_disposed || rev != _revision) return;
+    loading = false;
+    _poll?.cancel();
+    if (hasPending) {
+      _poll = Timer(const Duration(seconds: 3), () {
+        if (!_disposed) refresh();
+      });
+    }
+    notifyListeners();
+  }
+
+  void track(
+    WalletOperation operation,
+    JourneyRecorder recorder,
+    JourneyKind kind,
+  ) {
+    final step = recorder.begin(
+      kind,
+      JourneyStep.settlement,
+      simulated: service.isSimulated,
+    );
+    _settlements[operation.id] = (recorder, step);
+    final snapshot = data;
+    if (snapshot != null) {
+      data = WalletSnapshot(
+        accounts: snapshot.accounts,
+        operations: [
+          operation,
+          ...snapshot.operations.where((o) => o.id != operation.id),
+        ],
+      );
+    }
+    unawaited(refresh());
+  }
+
+  Future<void> loadProfile() async {
+    if (profileLoading) return;
+    profileLoading = true;
+    profileFailed = false;
+    notifyListeners();
+    try {
+      final result = await service.profile();
+      if (_disposed) return;
+      preferredLocale = result.locale;
+    } catch (_) {
+      if (_disposed) return;
+      profileFailed = true;
+    }
+    profileLoading = false;
+    notifyListeners();
+  }
+
+  Future<bool> saveLocale(String locale) async {
+    if (saving) return false;
+    saving = true;
+    saveFailed = false;
+    notifyListeners();
+    try {
+      final result = await service.saveLocale(locale);
+      if (_disposed) return false;
+      preferredLocale = result.locale;
+    } catch (_) {
+      if (_disposed) return false;
+      saveFailed = true;
+    }
+    saving = false;
+    notifyListeners();
+    return !saveFailed;
+  }
+
+  @override
+  void dispose() {
+    _disposed = true;
+    _poll?.cancel();
+    for (final p in _settlements.values) {
+      p.$1.dispose(abandonActive: false);
+    }
+    _settlements.clear();
+    super.dispose();
+  }
+}

frontend/packages/sxchnge_wallet/lib/src/services/contracts.dart

@@ -0,0 +1,13 @@
+import '../models/wallet.dart';
+
+abstract interface class WalletService {
+  bool get isSimulated;
+  Future<WalletSnapshot> fetch();
+  Future<Quote> quote(TransferRequest request);
+
+  /// Same key must reconcile uncertain submissions without duplicate execution.
+  Future<WalletOperation> submit(String quoteId, String idempotencyKey);
+  Future<WalletOperation?> findSubmission(String idempotencyKey);
+  Future<AccountProfile> profile();
+  Future<AccountProfile> saveLocale(String locale);
+}

frontend/packages/sxchnge_wallet/lib/src/services/dummy.dart

@@ -0,0 +1,259 @@
+import 'dart:math';
+
+import 'package:sxchnge_kyc/limits_transport.dart';
+import 'package:sxchnge_kyc/sxchnge_kyc.dart';
+
+import '../models/wallet.dart';
+import '../transport/wallet.dart';
+import 'contracts.dart';
+
+/// Coherent, account-scoped backend stand-in. No network or persistence.
+class DummyWalletService implements WalletService {
+  DummyWalletService(
+    this.identity, {
+    this.delay = const Duration(milliseconds: 350),
+    this.settlement = const Duration(seconds: 2),
+    DateTime Function()? now,
+    String initialLocale = 'en',
+  }) : now = now ?? DateTime.now,
+       _locale = initialLocale;
+  final IdentityService identity;
+  final Duration delay, settlement;
+  final DateTime Function() now;
+  final _accounts = [
+    AccountDTO('eur', 'EUR', 2, 7500),
+    AccountDTO('usd', 'USD', 2, 0),
+    AccountDTO('gbp', 'GBP', 2, 0),
+  ];
+  final Map<String, QuoteDTO> _quotes = {};
+  final _usedQuotes = <String>{};
+  final Map<String, OperationDTO> _submissions = {};
+  String _locale;
+  int _serial = 0;
+  WalletError? nextError;
+  bool failNextOperation = false;
+  bool loseNextResponse = false;
+  @override
+  bool get isSimulated => true;
+  Future<void> _wait() async {
+    await Future<void>.delayed(delay);
+    final error = nextError;
+    nextError = null;
+    if (error != null) throw WalletException(error);
+  }
+
+  AccountDTO _account(String id) => _accounts.firstWhere(
+    (a) => a.id == id,
+    orElse: () => throw const WalletException(WalletError.notFound),
+  );
+  // Fixed demo ratios to EUR; never marketed as live rates.
+  int _weight(String id) => switch (id) {
+    'eur' => 1100,
+    'usd' => 1000,
+    'gbp' => 1300,
+    _ => throw const WalletException(WalletError.unsupported),
+  };
+  int _eur(int minor, String id) => (minor * _weight(id) + 1099) ~/ 1100;
+  void _settle() {
+    for (final o in _submissions.values) {
+      if (o.status != 'pending' || now().isBefore(o.ready)) continue;
+      o.status = o.fail ? 'failed' : 'completed';
+      final q = o.quote;
+      if (o.fail) {
+        if (q.request.kind != 'topUp')
+          _account(q.request.source).available += q.debit;
+      } else if (q.request.kind == 'topUp') {
+        _account(q.request.source).available += q.credit;
+      } else if (q.request.kind == 'exchange') {
+        _account(q.request.destination!).available += q.credit;
+      }
+    }
+  }
+
+  int _usage({required bool monthly, required bool pending}) {
+    final current = now();
+    return _submissions.values
+        .where(
+          (o) =>
+              o.quote.request.kind != 'topUp' &&
+              o.status == (pending ? 'pending' : 'completed') &&
+              o.created.year == current.year &&
+              o.created.month == current.month &&
+              (monthly || o.created.day == current.day),
+        )
+        .fold(
+          0,
+          (total, o) => total + _eur(o.quote.debit, o.quote.request.source),
+        );
+  }
+
+  Future<bool> _verified() async =>
+      (await identity.fetch()).status == IdentityStatus.approved;
+  void _check(QuoteDTO q, bool verified) {
+    if (q.request.kind == 'topUp') return;
+    if (_account(q.request.source).available < q.debit)
+      throw const WalletException(WalletError.insufficientFunds);
+    final charge = _eur(q.debit, q.request.source);
+    if (charge +
+                _usage(monthly: false, pending: false) +
+                _usage(monthly: false, pending: true) >
+            (verified ? 250000 : 10000) ||
+        charge +
+                _usage(monthly: true, pending: false) +
+                _usage(monthly: true, pending: true) >
+            (verified ? 1000000 : 50000))
+      throw const WalletException(WalletError.limitExceeded);
+  }
+
+  @override
+  Future<WalletSnapshot> fetch() async {
+    await _wait();
+    _settle();
+    return WalletSnapshot(
+      accounts: _accounts.map(WalletMapper.account).toList(),
+      operations: _submissions.values
+          .toList()
+          .reversed
+          .map(WalletMapper.operation)
+          .toList(),
+    );
+  }
+
+  @override
+  Future<Quote> quote(TransferRequest r) async {
+    await _wait();
+    _settle();
+    _account(r.source);
+    if (r.amount <= 0 || r.amount > 100000000)
+      throw const WalletException(WalletError.invalidAmount);
+    if (r.kind == TransferKind.exchange &&
+        (r.source == r.destination || r.destination == null))
+      throw const WalletException(WalletError.unsupported);
+    if (r.kind == TransferKind.payout &&
+        (r.recipient.trim().length < 6 || r.recipient.length > 140))
+      throw const WalletException(WalletError.invalidRecipient);
+    if (r.kind == TransferKind.exchange) _account(r.destination!);
+    final fee = switch (r.kind) {
+      TransferKind.topUp => 0,
+      TransferKind.exchange => max(1, r.amount ~/ 200),
+      TransferKind.payout => 100,
+    };
+    final n = r.kind == TransferKind.exchange ? _weight(r.source) : 1;
+    final d = r.kind == TransferKind.exchange ? _weight(r.destination!) : 1;
+    final q = QuoteDTO(
+      'quote-${++_serial}',
+      WalletMapper.request(r),
+      fee,
+      r.kind == TransferKind.topUp ? r.amount : r.amount + fee,
+      r.amount * n ~/ d,
+      now().add(const Duration(seconds: 60)),
+      n,
+      d,
+    );
+    if (q.credit <= 0) throw const WalletException(WalletError.invalidAmount);
+    final verified = await _verified();
+    _settle();
+    _check(q, verified);
+    _quotes[q.id] = q;
+    return WalletMapper.quote(q);
+  }
+
+  @override
+  Future<WalletOperation> submit(String quoteId, String idempotencyKey) async {
+    await _wait();
+    if (_submissions.containsKey(idempotencyKey))
+      return WalletMapper.operation(_submissions[idempotencyKey]!);
+    final q = _quotes[quoteId];
+    if (q == null) throw const WalletException(WalletError.expiredQuote);
+    final verified = await _verified();
+    _settle();
+    if (_submissions.containsKey(idempotencyKey))
+      return WalletMapper.operation(_submissions[idempotencyKey]!);
+    if (!now().isBefore(q.expires))
+      throw const WalletException(WalletError.expiredQuote);
+    if (_usedQuotes.contains(q.id))
+      throw const WalletException(WalletError.expiredQuote);
+    _check(q, verified);
+    _usedQuotes.add(q.id);
+    if (q.request.kind != 'topUp')
+      _account(q.request.source).available -= q.debit;
+    final o = OperationDTO(
+      'op-${++_serial}',
+      q,
+      now(),
+      now().add(settlement),
+      fail: failNextOperation,
+    );
+    failNextOperation = false;
+    _submissions[idempotencyKey] = o;
+    if (loseNextResponse) {
+      loseNextResponse = false;
+      throw const WalletException(WalletError.uncertain);
+    }
+    return WalletMapper.operation(o);
+  }
+
+  @override
+  Future<WalletOperation?> findSubmission(String key) async {
+    await _wait();
+    _settle();
+    final o = _submissions[key];
+    return o == null ? null : WalletMapper.operation(o);
+  }
+
+  @override
+  Future<AccountProfile> profile() async {
+    await _wait();
+    return WalletMapper.profile(_locale);
+  }
+
+  @override
+  Future<AccountProfile> saveLocale(String locale) async {
+    await _wait();
+    if (!['en', 'ru'].contains(locale))
+      throw const WalletException(WalletError.unsupported);
+    _locale = locale;
+    return WalletMapper.profile(_locale);
+  }
+
+  // Kept separate from wallet fetch because LimitsService has a different result.
+  Future<Limits> fetchLimits() async {
+    await _wait();
+    final verified = await _verified();
+    _settle();
+    final rows = <LimitDTO>[];
+    for (final monthly in [false, true]) {
+      final basic = monthly ? 50000 : 10000;
+      final upgraded = monthly ? 1000000 : 250000;
+      final current = verified ? upgraded : basic;
+      final used = _usage(monthly: monthly, pending: false);
+      final pending = _usage(monthly: monthly, pending: true);
+      rows.add(
+        LimitDTO(
+          monthly ? 'month' : 'day',
+          'EUR',
+          basic,
+          upgraded,
+          current,
+          max(0, current - used - pending),
+          used,
+          pending,
+        ),
+      );
+    }
+    return LimitsMapper.fromDTO(
+      LimitsDTO(
+        tier: verified ? 'verified' : 'basic',
+        rows: rows,
+        simulated: true,
+      ),
+    );
+  }
+}
+
+class WalletLimitsService implements LimitsService {
+  const WalletLimitsService(this.wallet);
+  final DummyWalletService wallet;
+  @override
+  Future<Limits> fetch() => wallet.fetchLimits();
+}

frontend/packages/sxchnge_wallet/lib/src/transport/wallet.dart

@@ -0,0 +1,89 @@
+import '../models/wallet.dart';
+
+class AccountDTO {
+  AccountDTO(this.id, this.currency, this.precision, this.available);
+  final String id, currency;
+  final int precision;
+  int available;
+}
+
+class RequestDTO {
+  const RequestDTO(
+    this.kind,
+    this.source,
+    this.destination,
+    this.amount,
+    this.recipient,
+  );
+  final String kind, source, recipient;
+  final String? destination;
+  final int amount;
+}
+
+class QuoteDTO {
+  const QuoteDTO(
+    this.id,
+    this.request,
+    this.fee,
+    this.debit,
+    this.credit,
+    this.expires,
+    this.numerator,
+    this.denominator,
+  );
+  final String id;
+  final RequestDTO request;
+  final int fee, debit, credit, numerator, denominator;
+  final DateTime expires;
+}
+
+class OperationDTO {
+  OperationDTO(
+    this.id,
+    this.quote,
+    this.created,
+    this.ready, {
+    this.status = 'pending',
+    this.fail = false,
+  });
+  final String id;
+  final QuoteDTO quote;
+  final DateTime created, ready;
+  String status;
+  final bool fail;
+}
+
+abstract final class WalletMapper {
+  static CurrencyAccount account(AccountDTO d) => CurrencyAccount(
+    id: d.id,
+    currency: d.currency,
+    precision: d.precision,
+    available: d.available,
+  );
+  static RequestDTO request(TransferRequest r) =>
+      RequestDTO(r.kind.name, r.source, r.destination, r.amount, r.recipient);
+  static TransferRequest fromRequest(RequestDTO d) => TransferRequest(
+    kind: TransferKind.values.byName(d.kind),
+    source: d.source,
+    destination: d.destination,
+    amount: d.amount,
+    recipient: d.recipient,
+  );
+  static Quote quote(QuoteDTO d) => Quote(
+    id: d.id,
+    request: fromRequest(d.request),
+    fee: d.fee,
+    debit: d.debit,
+    credit: d.credit,
+    expiresAt: d.expires,
+    rateNumerator: d.numerator,
+    rateDenominator: d.denominator,
+  );
+  static WalletOperation operation(OperationDTO d) => WalletOperation(
+    id: d.id,
+    quote: quote(d.quote),
+    status: OperationStatus.values.byName(d.status),
+    createdAt: d.created,
+  );
+  static AccountProfile profile(String locale) => AccountProfile(locale);
+}

frontend/packages/sxchnge_wallet/lib/sxchnge_wallet.dart

@@ -0,0 +1,6 @@
+export 'src/models/wallet.dart';
+export 'src/providers/wallet.dart';
+export 'src/providers/transfer.dart';
+export 'src/services/contracts.dart';
+export 'src/services/dummy.dart';
+export 'src/providers/limits.dart';

frontend/packages/sxchnge_wallet/pubspec.yaml

@@ -0,0 +1,17 @@
+name: sxchnge_wallet
+description: Shared currency accounts, transaction flows and account preferences.
+version: 0.1.0
+publish_to: none
+environment:
+  sdk: '>=3.13.0 <4.0.0'
+  flutter: '>=3.47.0'
+dependencies:
+  flutter:
+    sdk: flutter
+  sxchnge_analytics:
+    path: ../sxchnge_analytics
+  sxchnge_kyc:
+    path: ../sxchnge_kyc
+dev_dependencies:
+  flutter_test:
+    sdk: flutter

frontend/packages/sxchnge_wallet/test/wallet_test.dart

@@ -0,0 +1,289 @@
+import 'dart:async';
+
+import 'package:flutter_test/flutter_test.dart';
+
+import 'package:sxchnge_analytics/sxchnge_analytics.dart';
+
+import 'package:sxchnge_kyc/sxchnge_kyc.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+void main() {
+  late DateTime now;
+  late DummyWalletService s;
+  late WalletProvider wallet;
+  late DummyAnalyticsService analytics;
+  setUp(() {
+    now = DateTime(2026, 9, 12, 10);
+    s = DummyWalletService(
+      DummyIdentityService(delay: Duration.zero),
+      delay: Duration.zero,
+      now: () => now,
+    );
+    analytics = DummyAnalyticsService();
+    wallet = WalletProvider(s, analytics);
+  });
+  tearDown(() => wallet.dispose());
+  Future<WalletOperation> transfer(
+    TransferKind kind,
+    int amount, {
+    String source = 'eur',
+    String? to,
+    String recipient = 'Sample recipient',
+    String key = 'one',
+  }) async {
+    final q = await s.quote(
+      TransferRequest(
+        kind: kind,
+        source: source,
+        destination: to,
+        amount: amount,
+        recipient: recipient,
+      ),
+    );
+    return s.submit(q.id, key);
+  }
+
+  test(
+    'funding credits only on completion; history and available balance agree',
+    () async {
+      final o = await transfer(TransferKind.topUp, 2500);
+      expect(o.status, OperationStatus.pending);
+      expect((await s.fetch()).accounts.first.available, 7500);
+      now = now.add(const Duration(seconds: 3));
+      final state = await s.fetch();
+      expect(state.accounts.first.available, 10000);
+      expect(state.operations.single.status, OperationStatus.completed);
+    },
+  );
+  test(
+    'exchange debits total once, then credits target and updates usage',
+    () async {
+      final q = await s.quote(
+        const TransferRequest(
+          kind: TransferKind.exchange,
+          source: 'eur',
+          destination: 'usd',
+          amount: 2000,
+        ),
+      );
+      expect(q.debit, 2010);
+      expect(q.credit, 2200);
+      await Future.wait([s.submit(q.id, 'same'), s.submit(q.id, 'same')]);
+      var data = await s.fetch();
+      expect(data.accounts.first.available, 5490);
+      expect(data.accounts[1].available, 0);
+      expect(data.operations.length, 1);
+      var limits = await s.fetchLimits();
+      expect(limits.rows.first.reservedMinor, 2010);
+      expect(limits.rows.first.usedMinor, 0);
+      now = now.add(const Duration(seconds: 3));
+      data = await s.fetch();
+      expect(data.accounts[1].available, 2200);
+      limits = await s.fetchLimits();
+      expect(limits.rows.first.usedMinor, 2010);
+      expect(limits.rows.first.reservedMinor, 0);
+      expect(limits.rows.first.remainingMinor, 7990);
+      await expectLater(
+        s.submit(q.id, 'different'),
+        throwsA(isA<WalletException>()),
+      );
+    },
+  );
+  test('failed payout restores amount and fee, releases limit usage', () async {
+    s.failNextOperation = true;
+    await transfer(TransferKind.payout, 2000);
+    expect((await s.fetch()).accounts.first.available, 5400);
+    now = now.add(const Duration(seconds: 3));
+    final data = await s.fetch();
+    expect(data.accounts.first.available, 7500);
+    expect(data.operations.single.status, OperationStatus.failed);
+    expect((await s.fetchLimits()).rows.first.remainingMinor, 10000);
+  });
+  test('expired quotes and stale balance cannot execute', () async {
+    final q = await s.quote(
+      const TransferRequest(
+        kind: TransferKind.payout,
+        source: 'eur',
+        amount: 7000,
+        recipient: 'Sample recipient',
+      ),
+    );
+    now = now.add(const Duration(seconds: 61));
+    await expectLater(
+      s.submit(q.id, 'expired'),
+      throwsA(
+        isA<WalletException>().having(
+          (e) => e.code,
+          'code',
+          WalletError.expiredQuote,
+        ),
+      ),
+    );
+    expect((await s.fetch()).accounts.first.available, 7500);
+    final a = await s.quote(
+      const TransferRequest(
+        kind: TransferKind.payout,
+        source: 'eur',
+        amount: 6000,
+        recipient: 'Sample recipient',
+      ),
+    );
+    final b = await s.quote(
+      const TransferRequest(
+        kind: TransferKind.payout,
+        source: 'eur',
+        amount: 6000,
+        recipient: 'Sample recipient',
+      ),
+    );
+    await s.submit(a.id, 'first');
+    await expectLater(
+      s.submit(b.id, 'second'),
+      throwsA(
+        isA<WalletException>().having(
+          (e) => e.code,
+          'code',
+          WalletError.insufficientFunds,
+        ),
+      ),
+    );
+  });
+  test('limits block a funded account independently of balance', () async {
+    await transfer(TransferKind.topUp, 20000);
+    now = now.add(const Duration(seconds: 3));
+    await s.fetch();
+    await expectLater(
+      s.quote(
+        const TransferRequest(
+          kind: TransferKind.payout,
+          source: 'eur',
+          amount: 11000,
+          recipient: 'Sample recipient',
+        ),
+      ),
+      throwsA(
+        isA<WalletException>().having(
+          (e) => e.code,
+          'code',
+          WalletError.limitExceeded,
+        ),
+      ),
+    );
+  });
+  test('decimal parser accepts locale decimal, rejects grouping and excess precision', () {
+    const a = CurrencyAccount(
+      id: 'eur',
+      currency: 'EUR',
+      precision: 2,
+      available: 0,
+    );
+    expect(a.parse('12,34'), 1234);
+    expect(a.parse('12.3'), 1230);
+    expect(a.parse('1,000.00'), null);
+    expect(a.parse('1.234'), null);
+    expect(a.parse('-2'), null);
+    expect(a.parse('1e5'), null);
+  });
+  test(
+    'preferences are service-owned; failed save preserves stored locale',
+    () async {
+      expect((await s.profile()).locale, 'en');
+      await wallet.saveLocale('ru');
+      expect((await s.profile()).locale, 'ru');
+      s.nextError = WalletError.unavailable;
+      expect(await wallet.saveLocale('en'), false);
+      expect((await s.profile()).locale, 'ru');
+      expect(wallet.saveFailed, true);
+    },
+  );
+  test(
+    'provider reconciles lost response and records settlement once',
+    () async {
+      // Use real-clock quote lifetime for the provider UI expiry check.
+      final service = DummyWalletService(
+        DummyIdentityService(delay: Duration.zero),
+        delay: Duration.zero,
+        settlement: Duration.zero,
+      );
+      final p = WalletProvider(service, analytics);
+      addTearDown(p.dispose);
+      await p.refresh();
+      final draft = TransferProvider(p, TransferKind.exchange);
+      addTearDown(draft.dispose);
+      draft.change(amount: '20');
+      await draft.review();
+      service.loseNextResponse = true;
+      await draft.submit();
+      expect(draft.uncertain, true);
+      expect(draft.result, null);
+      await draft.reconcile();
+      expect(draft.uncertain, false);
+      expect(draft.result, isNotNull);
+      await p.refresh();
+      await p.refresh();
+      await Future<void>.delayed(Duration.zero);
+      expect(p.data!.operations.length, 1);
+      expect(
+        analytics.events
+            .where((e) => e.step == JourneyStep.settlement && e.terminal)
+            .length,
+        1,
+      );
+      expect(
+        analytics.events.every(
+          (e) =>
+              !e.properties.containsKey('amount') &&
+              !e.properties.containsKey('recipient'),
+        ),
+        true,
+      );
+    },
+  );
+  test(
+    'pending operations refresh balances and limits without a detail screen',
+    () async {
+      await wallet.refresh();
+      final limits = WorkspaceLimitsProvider(WalletLimitsService(s), wallet);
+      addTearDown(limits.dispose);
+      await limits.refresh();
+      s.failNextOperation = true;
+      await transfer(TransferKind.payout, 2000);
+      await wallet.refresh();
+      expect(wallet.account('eur')!.available, 5400);
+      now = now.add(const Duration(seconds: 3));
+      final done = Completer<void>();
+      void changed() {
+        if (wallet.operation(wallet.data!.operations.single.id)?.status ==
+                OperationStatus.failed &&
+            !done.isCompleted)
+          done.complete();
+      }
+
+      wallet.addListener(changed);
+      await done.future.timeout(const Duration(seconds: 5));
+      wallet.removeListener(changed);
+      await Future<void>.delayed(const Duration(milliseconds: 20));
+      expect(wallet.account('eur')!.available, 7500);
+      expect(limits.data!.rows.first.remainingMinor, 10000);
+    },
+  );
+  test(
+    'closing a pending operation does not report draft abandonment',
+    () async {
+      final r = JourneyRecorder(analytics);
+      final op = r.begin(
+        JourneyKind.exchange,
+        JourneyStep.settlement,
+        simulated: true,
+      );
+      expect(op, isNotNull);
+      r.dispose(abandonActive: false);
+      await Future<void>.delayed(Duration.zero);
+      expect(
+        analytics.events.any((e) => e.signal == JourneySignal.abandoned),
+        false,
+      );
+    },
+  );
+}