diff --git a/AGENTS.md b/AGENTS.md
index 46ba803..829a78d 100644
--- a/AGENTS.md
+++ b/AGENTS.md
@@ -2,3 +2,5 @@
 
 - Never commit changes unless explicitly told to do so. Always ask first or wait for the user's command.
 - Never manually edit `.router/router.ts` — sv-router auto-generates it from the filesystem. Just create the route file in the correct filesystem location.
+- Only commit when explicitly told to do so. When asked to commit, always write a single simple line commit message.
+- At the end of every response, always surface a "Pending from you" section listing anything you need from the user (decisions, permissions, credentials, confirming a plan, etc.). If nothing is pending, say "Nothing pending."
diff --git a/apps/desktop/src/lib/states/monero-wallet.svelte.ts b/apps/desktop/src/lib/states/monero-wallet.svelte.ts
index 7b9c0fc..9a5f829 100644
--- a/apps/desktop/src/lib/states/monero-wallet.svelte.ts
+++ b/apps/desktop/src/lib/states/monero-wallet.svelte.ts
@@ -82,6 +82,10 @@ export const MoneroWallet = () => {
 			await checkStatus()
 		}
 		await listWallets()
+		if (wallets.length > 0) {
+			const pw = await moneroGetStoredPassword(wallets[0])
+			if (pw) await openExistingWallet(wallets[0], pw)
+		}
 	}
 
 	const logout = async () => {
diff --git a/apps/desktop/src/lib/states/xrp-wallet.svelte.ts b/apps/desktop/src/lib/states/xrp-wallet.svelte.ts
index eaa33b5..60bcf71 100644
--- a/apps/desktop/src/lib/states/xrp-wallet.svelte.ts
+++ b/apps/desktop/src/lib/states/xrp-wallet.svelte.ts
@@ -80,7 +80,7 @@ export const XrpWallet = () => {
 		)
 		if (walletList) {
 			wallets = walletList
-			if (walletList.length === 1 && !currentWalletId) {
+			if (walletList.length > 0 && !currentWalletId) {
 				currentWalletId = walletList[0].id
 			}
 		}
diff --git a/apps/desktop/src/routes/index.svelte b/apps/desktop/src/routes/index.svelte
index 1f5a505..0363f59 100644
--- a/apps/desktop/src/routes/index.svelte
+++ b/apps/desktop/src/routes/index.svelte
@@ -269,40 +269,7 @@
 			</button>
 		</div>
 
-		{#if xrpWallet.wallets.length > 1}
-			<Card>
-				<CardHeader class="pb-3">
-					<CardTitle class="text-sm">XRP Wallets</CardTitle>
-				</CardHeader>
-				<CardContent>
-					<div class="space-y-1">
-						{#each xrpWallet.wallets as wal}
-							<button
-								onclick={() => {
-									xrpWallet.selectAndUnlockWallet(wal.id)
-									navigate('/xrp')
-								}}
-								class="flex w-full items-center gap-3 rounded-lg p-2 text-left hover:bg-muted transition-colors">
-								<WalletIcon size={16} class="shrink-0 text-muted-foreground" />
-								<div class="flex-1 min-w-0">
-									<p class="text-sm font-medium">{wal.name}</p>
-									<p class="text-xs text-muted-foreground truncate font-mono">{wal.address}</p>
-								</div>
-								{#if xrpBalances[wal.address]?.funded === false}
-									<span class="text-xs text-muted-foreground">unfunded</span>
-								{:else if xrpBalances[wal.address]}
-									<span class="font-mono text-sm tabular-nums">
-										{fmtBal(xrpBalances[wal.address].balance)}
-									</span>
-								{/if}
-							</button>
-						{/each}
-					</div>
-				</CardContent>
-			</Card>
-		{/if}
-
-		<div class="flex gap-3">
+	<div class="flex gap-3">
 			<Button
 				onclick={() => navigate('/xrp')}
 				variant="outline"
diff --git a/apps/desktop/src/routes/monero/index.svelte b/apps/desktop/src/routes/monero/index.svelte
index 7d488bc..6e5e110 100644
--- a/apps/desktop/src/routes/monero/index.svelte
+++ b/apps/desktop/src/routes/monero/index.svelte
@@ -1,6 +1,5 @@
 <script lang="ts">
 	import { moneroWallet } from '$lib/states/monero-wallet.svelte.js'
-	import { session } from '$lib/states/session.svelte.js'
 	import { Button } from '$lib/components/ui/button/index.js'
 	import { Textarea } from '$lib/components/ui/textarea/index.js'
 	import { Input } from '$lib/components/ui/input/index.js'
@@ -11,28 +10,21 @@
 		CardHeader,
 		CardTitle,
 	} from '$lib/components/ui/card/index.js'
-	import Fingerprint from '@lucide/svelte/icons/fingerprint'
 	import Loader from '$lib/components/loader.svelte'
 	import { navigate } from 'sv-router/generated'
 
 	const w = moneroWallet
 
 	let moneroWalletName = $state('')
-	let moneroWalletPass = $state('')
 	let moneroMnemonic = $state('')
 	let moneroRestoreHeight = $state<number | undefined>(undefined)
-	let moneroSelectedWallet = $state('')
-	let moneroSelectedWalletPass = $state('')
-	let moneroUseBiometric = $state(false)
 
 	let initStarted = false
 
 	$effect(() => {
 		if (w.walletOpen && w.walletName) {
 			navigate('/monero/wallet/:name', {
-				params: {
-					name: w.walletName,
-				},
+				params: { name: w.walletName },
 			})
 		}
 	})
@@ -46,6 +38,12 @@
 			})
 		}
 	})
+
+	$effect(() => {
+		if (w.running && !w.walletOpen && w.wallets.length > 0 && !w.loading) {
+			w.autoUnlock(w.wallets[0])
+		}
+	})
 </script>
 
 <div class="mx-auto max-w-xl">
@@ -101,162 +99,71 @@
 					</CardContent>
 				</Card>
 			{:else if !w.walletOpen}
-				<Card>
-					<CardHeader>
-						<CardTitle>Monero Wallet</CardTitle>
-						<CardDescription>
-							{w.wallets.length > 0
-								? `${w.wallets.length} wallet${w.wallets.length > 1 ? 's' : ''} found on disk`
-								: 'No existing wallets found'}
-						</CardDescription>
-					</CardHeader>
-					<CardContent>
-						<div class="flex flex-col gap-3">
-							{#if w.wallets.length > 0}
-								<p class="text-xs font-medium">
-									Select a wallet to open:
+				{#if w.wallets.length > 0}
+					<Card>
+						<CardContent class="flex items-center justify-center py-8">
+							<Loader />
+							<span class="ml-2 text-sm text-muted-foreground">
+								Opening wallet...
+							</span>
+						</CardContent>
+					</Card>
+				{:else}
+					<Card>
+						<CardHeader>
+							<CardTitle>Monero Wallet</CardTitle>
+							<CardDescription>
+								Create a new wallet or restore from seed
+							</CardDescription>
+						</CardHeader>
+						<CardContent>
+							<div class="flex flex-col gap-3">
+								<p class="text-xs text-muted-foreground">
+									Create a new wallet:
 								</p>
-								<div class="flex flex-wrap gap-2">
-									{#each w.wallets as name}
-										<Button
-											variant={moneroSelectedWallet === name
-												? 'default'
-												: 'outline'}
-											onclick={() => {
-												moneroSelectedWallet = name
-												moneroSelectedWalletPass = ''
-											}}>
-											{name}
-										</Button>
-									{/each}
-								</div>
-								{#if moneroSelectedWallet}
-									<div class="flex flex-col gap-2">
-										{#if session.unlocked}
-											<Button
-												onclick={() =>
-													w.autoUnlock(
-														moneroSelectedWallet,
-													)}
-												disabled={w.loading}>
-												{#if w.loading}
-													<Loader />
-												{/if}
-												Open
-											</Button>
-										{:else if w.biometricAvailable}
-											<Button
-												onclick={async () => {
-													const ok = await w.biometricAuth()
-													if (ok) {
-														await w.openExistingWallet(
-															moneroSelectedWallet,
-														)
-													}
-												}}
-												disabled={w.loading}>
-												<Fingerprint size={14} />
-												Open with Touch ID
-											</Button>
-										{/if}
-										<div class="flex gap-2 items-end">
-											<Input
-												type="password"
-												placeholder="Enter password"
-												bind:value={moneroSelectedWalletPass} />
-											<Button
-												onclick={() =>
-													w.openExistingWallet(
-														moneroSelectedWallet,
-														moneroSelectedWalletPass,
-													)}
-												disabled={w.loading ||
-													!moneroSelectedWalletPass}>
-												Open
-											</Button>
-										</div>
-									</div>
-								{/if}
-								<hr class="border-muted" />
-							{/if}
-							<p class="text-xs text-muted-foreground">
-								Or create a new wallet:
-							</p>
-							<Input
-								placeholder="Wallet name"
-								bind:value={moneroWalletName} />
-							{#if w.biometricAvailable}
-								<label
-									class="flex items-center gap-2 text-xs cursor-pointer">
-									<input
-										type="checkbox"
-										bind:checked={moneroUseBiometric} />
-									Save password with Touch ID
-								</label>
-							{/if}
-							{#if !moneroUseBiometric}
 								<Input
-									type="password"
-									placeholder="Password"
-									bind:value={moneroWalletPass} />
-							{/if}
-							<div class="flex gap-2">
+									placeholder="Wallet name"
+									bind:value={moneroWalletName} />
 								<Button
-									onclick={async () => {
-										const pw = moneroUseBiometric
-											? crypto.randomUUID()
-											: moneroWalletPass
-										await w.createWallet(
+									onclick={() =>
+										w.createWallet(
 											moneroWalletName,
-											pw,
-											moneroUseBiometric,
-										)
-									}}
-									disabled={w.loading ||
-										!moneroWalletName ||
-										(!moneroUseBiometric && !moneroWalletPass)}>
+											crypto.randomUUID(),
+											true,
+										)}
+									disabled={w.loading || !moneroWalletName}>
 									Create Wallet
 								</Button>
-							</div>
-							<hr class="border-muted" />
-							<p class="text-xs text-muted-foreground">
-								Restore from seed
-							</p>
-							<Textarea
-								placeholder="Enter your Monero seed phrase (16 or 25 words)"
-								bind:value={moneroMnemonic} />
-							<Input
-								type="number"
-								placeholder="Restore height (optional)"
-								bind:value={moneroRestoreHeight} />
-							{#if !moneroUseBiometric}
+								<hr class="border-muted" />
+								<p class="text-xs text-muted-foreground">
+									Restore from seed
+								</p>
+								<Textarea
+									placeholder="Enter your Monero seed phrase (16 or 25 words)"
+									bind:value={moneroMnemonic} />
 								<Input
-									type="password"
-									placeholder="Password"
-									bind:value={moneroWalletPass} />
-							{/if}
-							<Button
-								onclick={async () => {
-									await w.restoreWallet(
-										moneroWalletName,
-										moneroUseBiometric
-											? crypto.randomUUID()
-											: moneroWalletPass,
-										moneroMnemonic,
-										moneroRestoreHeight,
-										moneroUseBiometric,
-									)
-								}}
-								disabled={w.loading ||
-									!moneroWalletName ||
-									(!moneroUseBiometric && !moneroWalletPass) ||
-									!moneroMnemonic.trim()}>
-								Restore Wallet
-							</Button>
-						</div>
-					</CardContent>
-				</Card>
+									type="number"
+									placeholder="Restore height (optional)"
+									bind:value={moneroRestoreHeight} />
+								<Button
+									onclick={() =>
+										w.restoreWallet(
+											moneroWalletName,
+											crypto.randomUUID(),
+											moneroMnemonic,
+											moneroRestoreHeight,
+											true,
+										)}
+									disabled={w.loading ||
+										!moneroWalletName ||
+										!moneroMnemonic.trim()}>
+									Restore Wallet
+								</Button>
+							</div>
+						</CardContent>
+					</Card>
+				{/if}
 			{/if}
 		{/if}
 	</div>
-</div>
+</div>
\ No newline at end of file
diff --git a/apps/desktop/src/routes/settings.svelte b/apps/desktop/src/routes/settings.svelte
index 2b348c4..2cb5d53 100644
--- a/apps/desktop/src/routes/settings.svelte
+++ b/apps/desktop/src/routes/settings.svelte
@@ -9,14 +9,10 @@
 		CardTitle,
 	} from '$lib/components/ui/card/index.js'
 	import { navigate } from 'sv-router/generated'
-	import ArrowLeft from '@lucide/svelte/icons/arrow-left'
-	import Trash2 from '@lucide/svelte/icons/trash-2'
-	import WalletIcon from '@lucide/svelte/icons/wallet'
 
 	const w = xrpWallet
 	let confirm = $state(false)
 	let resetting = $state(false)
-	let deletingWalletId = $state<string | null>(null)
 
 	async function handleReset() {
 		resetting = true
@@ -25,84 +21,39 @@
 		resetting = false
 		confirm = false
 	}
-
-	async function handleDeleteWallet(id: string) {
-		await w.deleteWallet(id)
-		deletingWalletId = null
-		if (w.wallets.length === 0) navigate('/xrp')
-	}
 </script>
 
 <div class="mx-auto max-w-xl">
-	<div class="flex flex-col gap-4">
-{#if w.wallets.length > 0}
-			<Card>
-				<CardHeader>
-					<CardTitle>Wallets</CardTitle>
-					<CardDescription>Manage your XRP wallets</CardDescription>
-				</CardHeader>
-				<CardContent>
-					<div class="flex flex-col gap-2">
-						{#each w.wallets as wal}
-							<div class="flex items-center gap-3 rounded-md border border-input p-3">
-								<WalletIcon size={18} class="shrink-0 text-muted-foreground" />
-								<div class="flex-1 min-w-0">
-									<p class="font-medium text-sm">{wal.name}</p>
-									<p class="text-xs text-muted-foreground truncate font-mono">
-										{wal.address}
-									</p>
-								</div>
-								{#if deletingWalletId === wal.id}
-									<div class="flex items-center gap-1.5">
-										<Button size="sm" variant="destructive" onclick={() => handleDeleteWallet(wal.id)}>
-											Delete
-										</Button>
-										<Button size="sm" variant="outline" onclick={() => (deletingWalletId = null)}>
-											Cancel
-										</Button>
-									</div>
-								{:else}
-									<Button size="sm" variant="outline" onclick={() => (deletingWalletId = wal.id)}>
-										<Trash2 size={14} />
-									</Button>
-								{/if}
-							</div>
-						{/each}
-					</div>
-				</CardContent>
-			</Card>
-		{/if}
-		<Card>
-			<CardHeader>
-				<CardTitle>Settings</CardTitle>
-				<CardDescription>App preferences and data management</CardDescription>
-			</CardHeader>
-			<CardContent class="space-y-4">
-				<div>
-					<p class="font-medium text-xs">Reset App</p>
-					<p class="text-muted-foreground text-xs mt-1">
-						Removes all XRP wallets and seeds from the keychain. You
-						can then set up the wallet fresh.
-					</p>
-					<div class="mt-3">
-						{#if confirm}
-							<div class="flex gap-2 items-center">
-								<p class="text-xs text-red-500">Are you sure?</p>
-								<Button size="sm" variant="destructive" onclick={handleReset} disabled={resetting}>
-									{resetting ? 'Resetting...' : 'Yes, reset everything'}
-								</Button>
-								<Button size="sm" variant="outline" onclick={() => (confirm = false)}>
-									Cancel
-								</Button>
-							</div>
-						{:else}
-							<Button variant="outline" onclick={() => (confirm = true)}>
-								Reset App
+	<Card>
+		<CardHeader>
+			<CardTitle>Settings</CardTitle>
+			<CardDescription>App preferences and data management</CardDescription>
+		</CardHeader>
+		<CardContent class="space-y-4">
+			<div>
+				<p class="font-medium text-xs">Reset App</p>
+				<p class="text-muted-foreground text-xs mt-1">
+					Removes all wallets and seeds from the keychain. You can
+					then set up the wallet fresh.
+				</p>
+				<div class="mt-3">
+					{#if confirm}
+						<div class="flex gap-2 items-center">
+							<p class="text-xs text-red-500">Are you sure?</p>
+							<Button size="sm" variant="destructive" onclick={handleReset} disabled={resetting}>
+								{resetting ? 'Resetting...' : 'Yes, reset everything'}
 							</Button>
-						{/if}
-					</div>
+							<Button size="sm" variant="outline" onclick={() => (confirm = false)}>
+								Cancel
+							</Button>
+						</div>
+					{:else}
+						<Button variant="outline" onclick={() => (confirm = true)}>
+							Reset App
+						</Button>
+					{/if}
 				</div>
-			</CardContent>
-		</Card>
-	</div>
-</div>
+			</div>
+		</CardContent>
+	</Card>
+</div>
\ No newline at end of file
diff --git a/apps/desktop/src/routes/xrp/index.svelte b/apps/desktop/src/routes/xrp/index.svelte
index fbeed31..ea4efbd 100644
--- a/apps/desktop/src/routes/xrp/index.svelte
+++ b/apps/desktop/src/routes/xrp/index.svelte
@@ -1,6 +1,5 @@
 <script lang="ts">
 	import { xrpWallet } from '$lib/states/xrp-wallet.svelte.js'
-	import { session } from '$lib/states/session.svelte.js'
 	import { Button } from '$lib/components/ui/button/index.js'
 	import { Input } from '$lib/components/ui/input/index.js'
 	import { Textarea } from '$lib/components/ui/textarea/index.js'
@@ -12,9 +11,6 @@
 		CardTitle,
 	} from '$lib/components/ui/card/index.js'
 	import Fingerprint from '@lucide/svelte/icons/fingerprint'
-	import LockKeyhole from '@lucide/svelte/icons/lock-keyhole'
-	import Plus from '@lucide/svelte/icons/plus'
-	import WalletIcon from '@lucide/svelte/icons/wallet'
 	import Loader from '$lib/components/loader.svelte'
 	import { navigate } from 'sv-router/generated'
 
@@ -24,7 +20,6 @@
 	let inputSeed = $state('')
 	let inputPassword = $state('')
 	let inputUnlockPassword = $state('')
-	let showCreateForm = $state(false)
 	let newSeed = $state<string | null>(null)
 
 	let initStarted = false
@@ -108,12 +103,10 @@
 						</Button>
 					</CardContent>
 				</Card>
-			{:else if w.wallets.length === 0 || showCreateForm}
+			{:else if w.wallets.length === 0}
 				<Card>
 					<CardHeader>
-						<CardTitle>
-							{showCreateForm ? 'Add Another Wallet' : 'Create / Import Wallet'}
-						</CardTitle>
+						<CardTitle>Create / Import Wallet</CardTitle>
 						<CardDescription>
 							Generate a new XRP wallet or import an existing seed
 						</CardDescription>
@@ -139,77 +132,20 @@
 								type="password"
 								placeholder="Set a password (optional)"
 								bind:value={inputPassword} />
-							<div class="flex gap-2">
-								<Button
-									variant="outline"
-									onclick={handleImport}
-									disabled={w.loading ||
-										!inputSeed.trim() ||
-										!inputWalletName.trim()}>
-									{w.loading ? 'Importing...' : 'Import Wallet'}
-								</Button>
-								{#if showCreateForm}
-									<Button
-										variant="outline"
-										onclick={() => (showCreateForm = false)}>
-										Cancel
-									</Button>
-								{/if}
-							</div>
+							<Button
+								variant="outline"
+								onclick={handleImport}
+								disabled={w.loading ||
+									!inputSeed.trim() ||
+									!inputWalletName.trim()}>
+								{w.loading ? 'Importing...' : 'Import Wallet'}
+							</Button>
 						</div>
 						{#if w.error}
 							<p class="mt-3 text-xs text-red-500">{w.error}</p>
 						{/if}
 					</CardContent>
 				</Card>
-			{:else if !w.currentWalletId}
-				<Card>
-					<CardHeader>
-						<CardTitle>Wallets</CardTitle>
-						<CardDescription>Select a wallet to use</CardDescription>
-					</CardHeader>
-					<CardContent>
-						<div class="flex flex-col gap-2">
-							{#each w.wallets as wal}
-								<button
-									onclick={async () => {
-										if (session.unlocked) {
-											await w.autoUnlock(wal.id)
-										} else if (wal.hasPassword) {
-											await w.selectWallet(wal.id)
-										} else {
-											await w.selectAndUnlockWallet(wal.id)
-										}
-									}}
-									class="flex w-full cursor-pointer items-center gap-3 rounded-md border border-input p-3 text-left hover:bg-muted transition-colors">
-									<WalletIcon
-										size={20}
-										class="shrink-0 text-muted-foreground" />
-									<div class="flex-1 min-w-0">
-										<p class="font-medium text-sm">{wal.name}</p>
-										<p class="text-xs text-muted-foreground truncate font-mono">
-											{wal.address}
-										</p>
-									</div>
-									<div class="flex items-center gap-1">
-										{#if wal.hasPassword}
-											<LockKeyhole
-												size={14}
-												class="text-muted-foreground" />
-										{/if}
-									</div>
-								</button>
-							{/each}
-							<Button
-								variant="outline"
-								onclick={() => (showCreateForm = true)}
-								class="mt-2">
-								<Plus size={16} />
-								Add Wallet
-							</Button>
-						</div>
-					</CardContent>
-				</Card>
 			{:else if w.isLocked}
 				<Card>
 					<CardHeader>
@@ -254,11 +190,6 @@
 									</Button>
 								</div>
 							{/if}
-							<Button
-								variant="outline"
-								onclick={() => w.clearSelection()}>
-								Pick another wallet
-							</Button>
 						</div>
 						{#if w.error}
 							<p class="mt-3 text-xs text-red-500">{w.error}</p>