*A radical wallet design where the interface is prompt‑driven. Users type or speak requests, the wallet replies in plain language, and actions are taken only after preview/confirmation. Working title is Moe. Ask Moe anything.

§## 0) Design Philosophy

• Conversational Money: everything feels like a chat thread with your own financial AI.

• Terminal Minimalism + Friendly Chat: two modes — text‑first terminal (retro hacker aesthetic) or modern chat bubbles (Claude/ChatGPT vibe).

• Always Explainable: every plan explains why a rail/fee was chosen. Every action leaves a receipt.

• Flow = Dialogue: prompt → plan → explain → execute → receipt.

• Multi‑Rail Abstraction: user never has to choose rails, but can if desired. ⚡ Lightning, ⛓ On‑chain, 🕵️ Ecash.

• Multi‑Wallet Flexibility: connect multiple wallets via Nostr Wallet Connect (NWC). User can switch the active wallet context easily.

§## 1) UX Basics

• Prompt Line: single input, always ready. Supports autocomplete for contacts/amounts.

• AI Replies: rendered as either bubbles (chat mode) or monospace lines (terminal mode).

• Plan Blocks: inline previews showing rail, ETA, fee, fallback, mint.

• Receipts: appear as compact blocks with txid/preimage/ecash token + emojis.

• Commands: /send, /save, /convert, /balance, but plain English works too.

• Mode Toggle: users can switch between Chat ↔ Terminal views.

§## 2) Example Conversations

Pay Flow (Chat Mode)

User: Pay Lauren $50 for dinner (private)

Wallet: Plan → Send ~95,000 sats via 🕵️ Ecash (MintX). ETA ~1s, Fee ≤ 1 sat.

Why: chose Ecash for privacy + tiny fee. Fallback: ⚡ Lightning.

[Confirm]

After confirm:

✅ Sent 95,000 sats via Ecash MintX. Fee 1 sat. Landed instantly.

Reactions: 👍 3 ⚡ 2 🎉 5

📝 Posted receipt to Nostr

Balance Query (Terminal Mode)

balance

💰 Balance Overview

Total: 0.052 BTC (~$2,600)

⚡ Lightning: 120,000 sats

⛓ On‑chain: 0.04 BTC

🕵️ Ecash (MintX): 35,000 sats

Multi‑Wallet Context

add wallet Zeus via NWC

Wallet: Zeus wallet added (disconnected).

connect Phoenix via NWC

Wallet: Phoenix wallet connected.

pay Alex 25k

Wallet: Plan → Send 25,000 sats (from Phoenix). Rail: ⚡ Lightning.

> connect Phoenix via NWC

Wallet: Phoenix wallet connected.

> pay Alex 25k

Wallet: Plan → Send 25,000 sats (from Phoenix). Rail: ⚡ Lightning.

---

###### ## 3) Visual Language

* **Colors**: green = success, amber = pending, red = warning/error, blue = info.

* **Icons**: ⚡ Lightning, ⛓ on‑chain, 🕵️ Ecash, 💰 balance, 🧾 receipt.

* **Emojis**: contextual (🍔 Food tag, 🎉 celebration, ⚠️ warnings).

* **Monospace vs. Bubbles**: toggle for retro vs. modern feel.

---

###### ## 4) Prompt Design

* Natural prompts: “Send @Coco 25k sats now (private).”

* Structured prompts: `/send @coco 25000 --chip=Instant`

* Query prompts: “What’s my balance?”

* All echoed back as a Plan block before execution.

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###### ## 5) Key UI States

1\. **Idle**: prompt cursor blinking.

2\. **Plan Preview**: reply with ETA, fee, rail, fallback.

3\. **Balance Bubble**: total + per‑rail breakdown.

4\. **Receipt**: compact, emoji‑friendly, collapsible.

5\. **Error/Warning**: red text with human explanation.

6\. **Multi‑Wallet Panel**: NWC manager to add, connect/disconnect, set active wallet.

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###### ## 6) Safety Surfaces

* Inline warnings when crossing limits or unsafe invoices.

* Undo for reversible actions: “Channel opened, undo within 30 min.”

* Short, blunt security copy in red.

* Balance hidden by default; revealed only on demand.

---

###### ## 7) MVP Features

* **Chat ↔ Terminal toggle**.

* **Prompt line** with autocomplete.

* **Plan previews** with rail selection.

* **Receipts** with emoji reactions + Nostr posting.

* **Balance queries** in both modes.

* **NWC wallet manager** (add/remove/connect/active wallet).

* **Ecash mint selector** when using 🕵️ Ecash.

---

###### ## 8) Inspiration

* **Bitchat**: terminal‑chat minimalism.

* **ChatGPT/Claude**: conversational friendliness.

* **Slackbot**: inline confirmations.

* **Nostr Wallet Connect**: multi‑wallet ecosystem.

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###### ## 9) Next Steps

* Extend React prototype with real NWC connections.

* Wire prompt parser → planner → executors (Lightning, On‑chain, Ecash).

* Test with 10 flows: pay, request, balance, move, save, schedule, cancel, undo, explain, guard.

* Validate toggle UX between Chat and Terminal modes.

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**End v0.3**