diff --git a/apps/desktop/src/app.css b/apps/desktop/src/app.css
index e19f266..5081455 100644
--- a/apps/desktop/src/app.css
+++ b/apps/desktop/src/app.css
@@ -6,77 +6,78 @@
 @custom-variant dark (&:is(.dark *));
 
 :root {
-	--background: oklch(1 0 0);
-	--foreground: oklch(0.145 0 0);
+	--background: oklch(0.99 0 0);
+	--foreground: oklch(0.16 0 0);
 	--card: oklch(1 0 0);
-	--card-foreground: oklch(0.145 0 0);
+	--card-foreground: oklch(0.16 0 0);
 	--popover: oklch(1 0 0);
-	--popover-foreground: oklch(0.145 0 0);
-	--primary: oklch(0.553 0.195 38.402);
-	--primary-foreground: oklch(0.98 0.016 73.684);
-	--secondary: oklch(0.967 0.001 286.375);
-	--secondary-foreground: oklch(0.21 0.006 285.885);
-	--muted: oklch(0.97 0 0);
-	--muted-foreground: oklch(0.556 0 0);
-	--accent: oklch(0.553 0.195 38.402);
-	--accent-foreground: oklch(0.98 0.016 73.684);
+	--popover-foreground: oklch(0.16 0 0);
+	--primary: oklch(0.4 0 0);
+	--primary-foreground: oklch(0.99 0 0);
+	--secondary: oklch(0.96 0 0);
+	--secondary-foreground: oklch(0.2 0 0);
+	--muted: oklch(0.965 0 0);
+	--muted-foreground: oklch(0.52 0 0);
+	--accent: oklch(0.94 0 0);
+	--accent-foreground: oklch(0.2 0 0);
 	--destructive: oklch(0.577 0.245 27.325);
-	--border: oklch(0.922 0 0);
-	--input: oklch(0.922 0 0);
-	--ring: oklch(0.708 0 0);
-	--chart-1: oklch(0.837 0.128 66.29);
-	--chart-2: oklch(0.705 0.213 47.604);
-	--chart-3: oklch(0.646 0.222 41.116);
-	--chart-4: oklch(0.553 0.195 38.402);
-	--chart-5: oklch(0.47 0.157 37.304);
-	--radius: 0rem;
-	--sidebar: oklch(0.985 0 0);
-	--sidebar-foreground: oklch(0.145 0 0);
-	--sidebar-primary: oklch(0.646 0.222 41.116);
-	--sidebar-primary-foreground: oklch(0.98 0.016 73.684);
-	--sidebar-accent: oklch(0.97 0 0);
-	--sidebar-accent-foreground: oklch(0.205 0 0);
-	--sidebar-border: oklch(0.922 0 0);
-	--sidebar-ring: oklch(0.708 0 0);
+	--border: oklch(0.905 0 0);
+	--input: oklch(0.905 0 0);
+	--ring: oklch(0.6 0 0);
+	--chart-1: oklch(0.4 0 0);
+	--chart-2: oklch(0.55 0 0);
+	--chart-3: oklch(0.68 0 0);
+	--chart-4: oklch(0.78 0 0);
+	--chart-5: oklch(0.88 0 0);
+	--radius: 0.625rem;
+	--sidebar: oklch(0.97 0 0);
+	--sidebar-foreground: oklch(0.2 0 0);
+	--sidebar-primary: oklch(0.35 0 0);
+	--sidebar-primary-foreground: oklch(0.99 0 0);
+	--sidebar-accent: oklch(0.92 0 0);
+	--sidebar-accent-foreground: oklch(0.2 0 0);
+	--sidebar-border: oklch(0.905 0 0);
+	--sidebar-ring: oklch(0.6 0 0);
 }
 
 .dark {
-	--background: oklch(0.145 0 0);
-	--foreground: oklch(0.985 0 0);
-	--card: oklch(0.205 0 0);
-	--card-foreground: oklch(0.985 0 0);
-	--popover: oklch(0.205 0 0);
-	--popover-foreground: oklch(0.985 0 0);
-	--primary: oklch(0.47 0.157 37.304);
-	--primary-foreground: oklch(0.98 0.016 73.684);
-	--secondary: oklch(0.274 0.006 286.033);
-	--secondary-foreground: oklch(0.985 0 0);
-	--muted: oklch(0.269 0 0);
-	--muted-foreground: oklch(0.708 0 0);
-	--accent: oklch(0.47 0.157 37.304);
-	--accent-foreground: oklch(0.98 0.016 73.684);
+	--background: oklch(0.21 0 0);
+	--foreground: oklch(0.96 0 0);
+	--card: oklch(0.235 0 0);
+	--card-foreground: oklch(0.96 0 0);
+	--popover: oklch(0.25 0 0);
+	--popover-foreground: oklch(0.96 0 0);
+	--primary: oklch(0.5 0 0);
+	--primary-foreground: oklch(0.99 0 0);
+	--secondary: oklch(0.29 0 0);
+	--secondary-foreground: oklch(0.96 0 0);
+	--muted: oklch(0.27 0 0);
+	--muted-foreground: oklch(0.66 0 0);
+	--accent: oklch(0.3 0 0);
+	--accent-foreground: oklch(0.96 0 0);
 	--destructive: oklch(0.704 0.191 22.216);
-	--border: oklch(1 0 0 / 10%);
-	--input: oklch(1 0 0 / 15%);
-	--ring: oklch(0.556 0 0);
-	--chart-1: oklch(0.837 0.128 66.29);
-	--chart-2: oklch(0.705 0.213 47.604);
-	--chart-3: oklch(0.646 0.222 41.116);
-	--chart-4: oklch(0.553 0.195 38.402);
-	--chart-5: oklch(0.47 0.157 37.304);
+	--border: oklch(1 0 0 / 12%);
+	--input: oklch(1 0 0 / 16%);
+	--ring: oklch(0.55 0 0);
+	--chart-1: oklch(0.7 0 0);
+	--chart-2: oklch(0.6 0 0);
+	--chart-3: oklch(0.5 0 0);
+	--chart-4: oklch(0.4 0 0);
+	--chart-5: oklch(0.3 0 0);
 	--sidebar: oklch(0.205 0 0);
-	--sidebar-foreground: oklch(0.985 0 0);
-	--sidebar-primary: oklch(0.705 0.213 47.604);
-	--sidebar-primary-foreground: oklch(0.98 0.016 73.684);
-	--sidebar-accent: oklch(0.269 0 0);
-	--sidebar-accent-foreground: oklch(0.985 0 0);
+	--sidebar-foreground: oklch(0.92 0 0);
+	--sidebar-primary: oklch(0.7 0 0);
+	--sidebar-primary-foreground: oklch(0.1 0 0);
+	--sidebar-accent: oklch(0.28 0 0);
+	--sidebar-accent-foreground: oklch(0.96 0 0);
 	--sidebar-border: oklch(1 0 0 / 10%);
-	--sidebar-ring: oklch(0.556 0 0);
+	--sidebar-ring: oklch(0.55 0 0);
 }
 
 @theme inline {
-	--font-mono: 'Geist Mono Variable', monospace;
-	--font-heading: 'Geist Mono Variable', monospace;
+	--font-sans: -apple-system, BlinkMacSystemFont, "SF Pro Text", "SF Pro Display", "Segoe UI", system-ui, sans-serif;
+	--font-mono: 'Geist Mono Variable', ui-monospace, SFMono-Regular, Menlo, monospace;
+	--font-heading: -apple-system, BlinkMacSystemFont, "SF Pro Display", "Segoe UI", system-ui, sans-serif;
 	--color-sidebar-ring: var(--sidebar-ring);
 	--color-sidebar-border: var(--sidebar-border);
 	--color-sidebar-accent-foreground: var(--sidebar-accent-foreground);
@@ -121,10 +122,41 @@
 	* {
 		@apply border-border outline-ring/50;
 	}
+	html {
+		@apply font-sans;
+		-webkit-font-smoothing: antialiased;
+		-moz-osx-font-smoothing: grayscale;
+		text-rendering: optimizeLegibility;
+		font-feature-settings: "ss01", "cv01";
+	}
 	body {
 		@apply bg-background text-foreground;
 	}
-	html {
-		@apply font-mono;
+	::selection {
+		background: oklch(0.5 0 0 / 25%);
 	}
 }
+
+@layer base {
+	* {
+		scrollbar-width: thin;
+		scrollbar-color: oklch(0.5 0 0 / 25%) transparent;
+	}
+	::-webkit-scrollbar {
+		width: 8px;
+		height: 8px;
+	}
+	::-webkit-scrollbar-track {
+		background: transparent;
+	}
+	::-webkit-scrollbar-thumb {
+		background: oklch(0.5 0 0 / 22%);
+		border-radius: 9999px;
+		border: 2px solid transparent;
+		background-clip: content-box;
+	}
+	::-webkit-scrollbar-thumb:hover {
+		background: oklch(0.5 0 0 / 38%);
+		background-clip: content-box;
+	}
+}
\ No newline at end of file
diff --git a/apps/desktop/src/bun/lib/monero/wallet.ts b/apps/desktop/src/bun/lib/monero/wallet.ts
index 29d8637..4eb2739 100644
--- a/apps/desktop/src/bun/lib/monero/wallet.ts
+++ b/apps/desktop/src/bun/lib/monero/wallet.ts
@@ -353,16 +353,44 @@ export async function getTransferDetails(
 	txid: string,
 ): Promise<any> {
 	if (!state.wallet) throw new Error('Wallet RPC not started')
-	const result = await rawRpc(state, 'get_transfer_by_txid', { txid })
-	if (!result?.transfer) return null
-	const t = result.transfer
+	let t: any = null
+	let dests: any[] = []
+	try {
+		const result = await rawRpc(state, 'get_transfer_by_txid', { txid })
+		if (result?.transfer) {
+			t = result.transfer
+			dests =
+				t.destinations?.map((d: any) => ({
+					address: d.address,
+					amount: d.amount?.toString() ?? '0',
+				})) ?? []
+		}
+	} catch {
+		// get_transfer_by_txid can fail for various reasons; fall back
+	}
+	if (!t) {
+		const params: Record<string, any> = {
+			in: true,
+			out: true,
+			pending: true,
+			pool: true,
+		}
+		const result = await rawRpc(state, 'get_transfers', params)
+		let found: any = null
+		for (const dir of ['in', 'out', 'pending', 'pool'] as const) {
+			const transfers = result[dir] ?? []
+			for (const tr of transfers) {
+				if (tr.txid === txid) {
+					found = { ...tr, type: dir === 'in' ? 'in' : 'out' }
+					break
+				}
+			}
+			if (found) break
+		}
+		if (!found) return null
+		t = found
+	}
 	const isIn = t.type === 'in'
-	const isOut = t.type === 'out'
-	const dests =
-		t.destinations?.map((d: any) => ({
-			address: d.address,
-			amount: d.amount?.toString() ?? '0',
-		})) ?? []
 	const subaddrIndices = isIn
 		? [
 				{
diff --git a/apps/desktop/src/bun/native/biometric-helper b/apps/desktop/src/bun/native/biometric-helper
index cf4ea97..d6875f9 100755
Binary files a/apps/desktop/src/bun/native/biometric-helper and b/apps/desktop/src/bun/native/biometric-helper differ
diff --git a/apps/desktop/src/lib/states/monero-wallet.svelte.ts b/apps/desktop/src/lib/states/monero-wallet.svelte.ts
index 054ff79..7b9c0fc 100644
--- a/apps/desktop/src/lib/states/monero-wallet.svelte.ts
+++ b/apps/desktop/src/lib/states/monero-wallet.svelte.ts
@@ -246,6 +246,22 @@ export const MoneroWallet = () => {
 		await refresh()
 	}
 
+	const autoUnlock = async (name?: string) => {
+		if (!electrobun.rpc) return false
+		const target = name ?? wallets[0]
+		if (!target) return false
+		const pw = await moneroGetStoredPassword(target)
+		if (!pw) return false
+		await electrobun.rpc.request.moneroOpenWallet({
+			name: target,
+			password: pw,
+		})
+		walletName = target
+		walletOpen = true
+		await refresh()
+		return true
+	}
+
 	const refresh = async () => {
 		if (!electrobun.rpc) return
 		loading = true
@@ -430,6 +446,7 @@ export const MoneroWallet = () => {
 		createWallet,
 		restoreWallet,
 		openWallet,
+		autoUnlock,
 		refresh,
 		send,
 		sendAll,
diff --git a/apps/desktop/src/lib/states/session.svelte.ts b/apps/desktop/src/lib/states/session.svelte.ts
new file mode 100644
index 0000000..a8cfe37
--- /dev/null
+++ b/apps/desktop/src/lib/states/session.svelte.ts
@@ -0,0 +1,59 @@
+import { electrobun } from '$lib/electrobun'
+
+let unlocked = $state(false)
+let biometricAvailable = $state(false)
+let unlocking = $state(false)
+let error = $state('')
+
+const checkBiometric = async () => {
+	if (!electrobun.rpc) return
+	try {
+		biometricAvailable = await electrobun.rpc.request.biometricCanAuth({})
+	} catch { /* ignore */ }
+}
+
+const unlock = async (): Promise<boolean> => {
+	if (!electrobun.rpc) return false
+	unlocking = true
+	error = ''
+	try {
+		const ok = await electrobun.rpc.request.biometricAuth({
+			reason: 'Unlock Koins',
+		})
+		if (ok) {
+			unlocked = true
+		} else {
+			error = 'Authentication failed'
+		}
+		return ok
+	} catch (e) {
+		error = e instanceof Error ? e.message : 'Unlock failed'
+		return false
+	} finally {
+		unlocking = false
+	}
+}
+
+const lock = () => {
+	unlocked = false
+	error = ''
+}
+
+checkBiometric()
+
+export const session = {
+	get unlocked() {
+		return unlocked
+	},
+	get biometricAvailable() {
+		return biometricAvailable
+	},
+	get unlocking() {
+		return unlocking
+	},
+	get error() {
+		return error
+	},
+	unlock,
+	lock,
+}
\ No newline at end of file
diff --git a/apps/desktop/src/lib/states/xrp-wallet.svelte.ts b/apps/desktop/src/lib/states/xrp-wallet.svelte.ts
index a5f4b7d..eaa33b5 100644
--- a/apps/desktop/src/lib/states/xrp-wallet.svelte.ts
+++ b/apps/desktop/src/lib/states/xrp-wallet.svelte.ts
@@ -179,6 +179,28 @@ export const XrpWallet = () => {
 		return false
 	}
 
+	const autoUnlock = async (walletId?: string) => {
+		const id = walletId ?? currentWalletId ?? wallets[0]?.id
+		if (!id) return false
+		currentWalletId = id
+		const wallet = wallets.find((w) => w.id === id)
+		if (!wallet) return false
+		if (electrobun.rpc && wallet.hasPassword) {
+			const [ph] = await tryCatch(
+				electrobun.rpc.request.getSecret({
+					service: 'koins',
+					name: `xrp_auth_${id}`,
+				}),
+			)
+			if (ph) currentPasswordHash = ph
+		} else {
+			currentPasswordHash = null
+		}
+		const ok = await loadSeedForWallet(id)
+		if (ok) accountType = 'xrp'
+		return ok
+	}
+
 	const saveWallet = async (
 		kind: 'create' | 'import',
 		name: string,
@@ -412,6 +434,7 @@ export const XrpWallet = () => {
 		hashPassword,
 		selectWallet,
 		selectAndUnlockWallet,
+		autoUnlock,
 		loadSeedForWallet,
 		deleteWallet,
 		clearSelection,
diff --git a/apps/desktop/src/routes/index.svelte b/apps/desktop/src/routes/index.svelte
index 888bf36..1f5a505 100644
--- a/apps/desktop/src/routes/index.svelte
+++ b/apps/desktop/src/routes/index.svelte
@@ -1,31 +1,125 @@
 <script lang="ts">
 	import { moneroWallet } from '$lib/states/monero-wallet.svelte.js'
 	import { xrpWallet } from '$lib/states/xrp-wallet.svelte.js'
-	import { Button } from '$lib/components/ui/button/index.js'
+	import { electrobun } from '$lib/electrobun.js'
+	import { navigate } from 'sv-router/generated'
+	import { onMount } from 'svelte'
 	import {
 		Card,
 		CardContent,
-		CardDescription,
 		CardHeader,
 		CardTitle,
+		CardDescription,
 	} from '$lib/components/ui/card/index.js'
-	import { navigate } from 'sv-router/generated'
-	import { onMount } from 'svelte'
+	import { Button } from '$lib/components/ui/button/index.js'
+	import Plus from '@lucide/svelte/icons/plus'
+	import WalletIcon from '@lucide/svelte/icons/wallet'
+	import Loader from '$lib/components/loader.svelte'
 	import { frontendLog, frontendLogError } from '$lib/electrobun.js'
 
+	let xrpPrice = $state<string | null>(null)
+	let xmrPrice = $state<string | null>(null)
+	let xrpBalances = $state<Record<string, { balance: number; funded: boolean }>>({})
+	let loadingXrp = $state(true)
+	let loadingXmr = $state(true)
+
 	let feError = $state<string | null>(null)
 
+	const usd = (amount: string, price: string | null) =>
+		price ? parseFloat(amount) * parseFloat(price) : 0
+
+	const xrpTotalUsd = $derived.by(() => {
+		const price = xrpPrice
+		return xrpWallet.wallets.reduce((sum, w) => {
+			const b = xrpBalances[w.address]?.balance ?? 0
+			return sum + (price ? b * parseFloat(price) : 0)
+		}, 0)
+	})
+
+	const xrpTotalBalance = $derived.by(() =>
+		xrpWallet.wallets.reduce((sum, w) => {
+			return sum + (xrpBalances[w.address]?.balance ?? 0)
+		}, 0),
+	)
+
+	const xmrBalance = $derived(
+		moneroWallet.walletOpen ? parseFloat(moneroWallet.balance || '0') : 0,
+	)
+	const xmrTotalUsd = $derived(
+		moneroWallet.walletOpen && xmrPrice
+			? xmrBalance * parseFloat(xmrPrice)
+			: 0,
+	)
+
+	const portfolioUsd = $derived(xrpTotalUsd + xmrTotalUsd)
+
+	const hasXrp = $derived(xrpWallet.wallets.length > 0)
+	const hasXmr = $derived(moneroWallet.wallets.length > 0)
+	const noWallets = $derived(!hasXrp && !hasXmr)
+
+	const fmtUsd = (v: number) =>
+		v.toLocaleString(undefined, {
+			minimumFractionDigits: 2,
+			maximumFractionDigits: 2,
+		})
+
+	const fmtBal = (v: number, dp = 2) =>
+		v.toLocaleString(undefined, {
+			minimumFractionDigits: 0,
+			maximumFractionDigits: dp,
+		})
+
+	async function fetchXrp() {
+		loadingXrp = true
+		const rpc = electrobun.rpc
+		if (!rpc) {
+			loadingXrp = false
+			return
+		}
+		try {
+			const p = await rpc.request.fetchXrpPrice({})
+			if (p) xrpPrice = p.usd
+		} catch { /* ignore */ }
+		await Promise.allSettled(
+			xrpWallet.wallets.map(async (w) => {
+				const res = await rpc.request.xrpGetBalance({
+					address: w.address,
+				})
+				xrpBalances[w.address] = {
+					balance: parseFloat(res.balance),
+					funded: res.funded,
+				}
+			}),
+		)
+		loadingXrp = false
+	}
+
+	async function fetchXmr() {
+		loadingXmr = true
+		const rpc = electrobun.rpc
+		if (!rpc) {
+			loadingXmr = false
+			return
+		}
+		try {
+			const p = await rpc.request.fetchMoneroPrice({})
+			xmrPrice = p?.usd ?? null
+		} catch { /* ignore */ }
+		loadingXmr = false
+	}
+
 	onMount(() => {
-		frontendLog('index.svelte mounted')
+		frontendLog('dashboard mounted')
 		moneroWallet.init().catch((e) => frontendLogError('moneroWallet.init() failed', e))
-		xrpWallet.init().catch((e) => frontendLogError('xrpWallet.init() failed', e))
+		xrpWallet.init().then(async () => {
+			await fetchXrp()
+		})
+		fetchXmr()
 	})
 
 	$effect(() => {
-		if (moneroWallet.accountType === 'monero') {
-			navigate('/monero')
-		} else if (xrpWallet.accountType === 'xrp') {
-			navigate('/xrp')
+		if (moneroWallet.walletOpen) {
+			fetchXmr()
 		}
 	})
 
@@ -61,43 +155,168 @@
 	</div>
 {/if}
 
-<div class="mx-auto mt-24 max-w-sm">
-	<Card>
-		<CardHeader class="text-center">
-			<CardTitle>Welcome</CardTitle>
-			<CardDescription>
-				Choose an account type to get started
-			</CardDescription>
-		</CardHeader>
-		<CardContent>
-			<div class="flex flex-col gap-3">
+<div class="space-y-6">
+	{#if noWallets}
+		<div class="flex flex-col items-center justify-center py-16">
+			<WalletIcon size={48} class="text-muted-foreground/50" />
+			<p class="mt-4 text-lg font-medium">Welcome to Koins</p>
+			<p class="mb-6 text-sm text-muted-foreground">Choose an asset to get started</p>
+			<div class="flex gap-3">
 				<Button
-					onclick={async () => {
-						await moneroWallet.login()
-						navigate('/monero')
-					}}
+					onclick={() => navigate('/xrp')}
 					variant="outline"
-					class="w-full">
-					<img
-						src="/icons/monero.png"
-						alt=""
-						class="-ml-1 mr-1.5 inline-block size-5 rounded-full align-middle" />
-					Monero
+					class="gap-2">
+					<img src="/icons/xrp.png" alt="" class="size-4 rounded-full" />
+					Set up XRP
 				</Button>
 				<Button
-					onclick={async () => {
-						await xrpWallet.login()
-						navigate('/xrp')
-					}}
+					onclick={() => navigate('/monero')}
 					variant="outline"
-					class="w-full">
-					<img
-						src="/icons/xrp.png"
-						alt=""
-						class="-ml-1 mr-1.5 inline-block size-5 rounded-full align-middle" />
-					XRP
+					class="gap-2">
+					<img src="/icons/monero.png" alt="" class="size-4 rounded-full" />
+					Set up Monero
 				</Button>
 			</div>
-		</CardContent>
-	</Card>
-</div>
+		</div>
+	{:else}
+		<div class="flex flex-col items-center pt-4 pb-2">
+			<p class="text-xs text-muted-foreground">Total Portfolio Value</p>
+			{#if loadingXrp || loadingXmr}
+				<div class="mt-2 h-9 w-44 rounded-md bg-muted animate-pulse"></div>
+			{:else}
+				<p class="mt-1 text-3xl font-semibold tabular-nums">
+					${fmtUsd(portfolioUsd)}
+				</p>
+			{/if}
+		</div>
+
+		<div class="grid grid-cols-2 gap-4">
+			<button
+				onclick={() => navigate('/xrp')}
+				class="text-left transition-transform active:scale-[0.98]">
+				<Card class="hover:border-foreground/20 transition-colors">
+					<CardHeader class="pb-3">
+						<div class="flex items-center gap-2">
+							<img src="/icons/xrp.png" alt="" class="size-5 rounded-full" />
+							<CardTitle class="text-base">XRP</CardTitle>
+						</div>
+						<CardDescription class="text-xs">
+							{xrpWallet.wallets.length} wallet{xrpWallet.wallets.length !== 1 ? 's' : ''}
+						</CardDescription>
+					</CardHeader>
+					<CardContent>
+						{#if loadingXrp}
+							<div class="h-14 flex items-center"><Loader /></div>
+						{:else}
+							<p class="font-mono text-xl tabular-nums">{fmtBal(xrpTotalBalance)}</p>
+							{#if xrpPrice}
+								<p class="mt-0.5 text-sm text-muted-foreground tabular-nums">
+									${fmtUsd(xrpTotalUsd)}
+								</p>
+								<p class="mt-2 text-xs text-muted-foreground">
+									${fmtUsd(parseFloat(xrpPrice) )} / XRP
+								</p>
+							{/if}
+						{/if}
+					</CardContent>
+				</Card>
+			</button>
+
+			<button
+				onclick={() => navigate('/monero')}
+				class="text-left transition-transform active:scale-[0.98]">
+				<Card class="hover:border-foreground/20 transition-colors">
+					<CardHeader class="pb-3">
+						<div class="flex items-center gap-2">
+							<img src="/icons/monero.png" alt="" class="size-5 rounded-full" />
+							<CardTitle class="text-base">Monero</CardTitle>
+						</div>
+						<CardDescription class="text-xs">
+							{moneroWallet.walletOpen
+								? moneroWallet.walletName || 'Wallet open'
+								: moneroWallet.wallets.length > 0
+									? `${moneroWallet.wallets.length} wallet${moneroWallet.wallets.length !== 1 ? 's' : ''}`
+									: 'Not set up'}
+						</CardDescription>
+					</CardHeader>
+					<CardContent>
+						{#if loadingXmr && !moneroWallet.walletOpen}
+							<div class="h-14 flex items-center"><Loader /></div>
+						{:else if moneroWallet.walletOpen}
+							<p class="font-mono text-xl tabular-nums">{fmtBal(xmrBalance, 4)}</p>
+							{#if xmrPrice}
+								<p class="mt-0.5 text-sm text-muted-foreground tabular-nums">
+									${fmtUsd(xmrTotalUsd)}
+								</p>
+								<p class="mt-2 text-xs text-muted-foreground">
+									${fmtUsd(parseFloat(xmrPrice) )} / XMR
+								</p>
+							{/if}
+						{:else if moneroWallet.wallets.length > 0}
+							<p class="text-sm text-muted-foreground py-3">Open wallet to view balance</p>
+						{:else}
+							<Button
+								onclick={() => navigate('/monero')}
+								variant="outline"
+								size="sm"
+								class="gap-1.5">
+								<Plus size={14} />
+								Set up
+							</Button>
+						{/if}
+					</CardContent>
+				</Card>
+			</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">
+			<Button
+				onclick={() => navigate('/xrp')}
+				variant="outline"
+				class="flex-1 gap-2">
+				<img src="/icons/xrp.png" alt="" class="size-4 rounded-full" />
+				XRP Wallet
+			</Button>
+			<Button
+				onclick={() => navigate('/monero')}
+				variant="outline"
+				class="flex-1 gap-2">
+				<img src="/icons/monero.png" alt="" class="size-4 rounded-full" />
+				Monero Wallet
+			</Button>
+		</div>
+	{/if}
+</div>
\ No newline at end of file
diff --git a/apps/desktop/src/routes/layout.svelte b/apps/desktop/src/routes/layout.svelte
new file mode 100644
index 0000000..96e4f57
--- /dev/null
+++ b/apps/desktop/src/routes/layout.svelte
@@ -0,0 +1,154 @@
+<script lang="ts">
+	import { route } from 'sv-router/generated'
+	import { session } from '$lib/states/session.svelte.js'
+	import { xrpWallet } from '$lib/states/xrp-wallet.svelte.js'
+	import { moneroWallet } from '$lib/states/monero-wallet.svelte.js'
+	import { Button } from '$lib/components/ui/button/index.js'
+	import House from '@lucide/svelte/icons/house'
+	import SettingsIcon from '@lucide/svelte/icons/settings'
+	import Fingerprint from '@lucide/svelte/icons/fingerprint'
+	import LockIcon from '@lucide/svelte/icons/lock'
+
+	let { children } = $props()
+
+	const title = $derived.by(() => {
+		const p = route.pathname
+		if (p === '/') return 'Koins'
+		if (p === '/settings') return 'Settings'
+		if (p.startsWith('/xrp/tx/')) return 'Transaction'
+		if (p === '/xrp/send') return 'Send'
+		if (p.startsWith('/xrp')) return 'XRP'
+		if (p.startsWith('/monero/tx/')) return 'Transaction'
+		if (p === '/monero/send') return 'Send'
+		if (p === '/monero/settings') return 'Monero Settings'
+		if (p.startsWith('/monero')) return 'Monero'
+		return 'Koins'
+	})
+
+	const handleUnlock = async () => {
+		const ok = await session.unlock()
+		if (!ok) return
+		if (!xrpWallet.ready) await xrpWallet.init()
+		if (!moneroWallet.ready) await moneroWallet.init()
+		await Promise.allSettled([
+			xrpWallet.autoUnlock(),
+			moneroWallet.autoUnlock(),
+		])
+	}
+
+	const itemClass = (active: boolean) =>
+		`flex items-center gap-2.5 rounded-lg px-2.5 py-1.5 text-sm transition-colors ${
+			active
+				? 'bg-sidebar-accent font-medium text-sidebar-accent-foreground'
+				: 'text-sidebar-foreground/80 hover:bg-sidebar-accent/60 hover:text-sidebar-foreground'
+		}`
+</script>
+
+{#if !session.unlocked}
+	<div
+		class="flex h-screen w-screen flex-col items-center justify-center bg-background gap-6">
+		<div class="flex flex-col items-center gap-4">
+			<div
+				class="flex size-16 items-center justify-center rounded-full bg-muted">
+				<Fingerprint size={32} class="text-muted-foreground" />
+			</div>
+			<div class="text-center">
+				<p class="text-lg font-semibold">Koins</p>
+				<p class="text-sm text-muted-foreground">
+					Use Touch ID to unlock
+				</p>
+			</div>
+		</div>
+
+		{#if session.biometricAvailable}
+			<Button
+				onclick={handleUnlock}
+				size="lg"
+				class="gap-2"
+				disabled={session.unlocking}>
+				<Fingerprint size={18} />
+				{session.unlocking ? 'Unlocking...' : 'Unlock'}
+			</Button>
+		{:else}
+			<p class="text-sm text-muted-foreground max-w-xs text-center">
+				Biometric authentication isn't available on this device.
+			</p>
+		{/if}
+
+		{#if session.error}
+			<p class="text-sm text-destructive">{session.error}</p>
+		{/if}
+	</div>
+{:else}
+	<div class="flex h-screen w-screen overflow-hidden">
+		<aside class="flex w-60 shrink-0 flex-col bg-sidebar text-sidebar-foreground">
+			<div class="px-3 pt-9">
+				<p class="px-2 pb-4 text-sm font-semibold">Koins</p>
+			</div>
+
+			<div class="flex-1 overflow-y-auto px-3">
+				<nav class="space-y-0.5">
+					<a href="/" class={itemClass(route.pathname === '/')}>
+						<House size={16} class="shrink-0" />
+						<span>Home</span>
+					</a>
+				</nav>
+
+				<p
+					class="mb-1 mt-4 px-2 text-[11px] font-medium uppercase tracking-wider text-muted-foreground/70">
+					Wallets
+				</p>
+
+				<nav class="space-y-0.5">
+					<a href="/xrp" class={itemClass(route.pathname.startsWith('/xrp'))}>
+						<img
+							src="/icons/xrp.png"
+							alt=""
+							class="size-4 shrink-0 rounded-full" />
+						<span>XRP</span>
+					</a>
+					<a
+						href="/monero"
+						class={itemClass(route.pathname.startsWith('/monero'))}>
+						<img
+							src="/icons/monero.png"
+							alt=""
+							class="size-4 shrink-0 rounded-full" />
+						<span>Monero</span>
+					</a>
+				</nav>
+			</div>
+
+			<div class="border-t border-sidebar-border px-3 pb-4 pt-2 space-y-0.5">
+				<a
+					href="/settings"
+					class={itemClass(route.pathname === '/settings')}>
+					<SettingsIcon size={16} class="shrink-0" />
+					<span>Settings</span>
+				</a>
+				<button
+					onclick={() => session.lock()}
+					class="flex w-full items-center gap-2.5 rounded-lg px-2.5 py-1.5 text-sm text-sidebar-foreground/80 hover:bg-sidebar-accent/60 hover:text-sidebar-foreground transition-colors">
+					<LockIcon size={16} class="shrink-0" />
+					<span>Lock</span>
+				</button>
+			</div>
+		</aside>
+
+		<div class="flex min-w-0 flex-1 flex-col">
+			<header
+				class="relative flex h-12 shrink-0 items-center border-b border-border px-3">
+				<div
+					class="pointer-events-none absolute inset-0 flex items-center justify-center">
+					<span class="text-sm font-medium">{title}</span>
+				</div>
+			</header>
+
+			<main class="min-w-0 flex-1 overflow-y-auto">
+				<div class="mx-auto w-full max-w-2xl px-8 py-8">
+					{@render children?.()}
+				</div>
+			</main>
+		</div>
+	</div>
+{/if}
\ No newline at end of file
diff --git a/apps/desktop/src/routes/monero/index.svelte b/apps/desktop/src/routes/monero/index.svelte
index 73e4fd7..7d488bc 100644
--- a/apps/desktop/src/routes/monero/index.svelte
+++ b/apps/desktop/src/routes/monero/index.svelte
@@ -1,5 +1,6 @@
 <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'
@@ -47,7 +48,7 @@
 	})
 </script>
 
-<div class="mx-auto mt-16 max-w-md">
+<div class="mx-auto max-w-xl">
 	<div class="flex flex-col gap-4">
 		{#if !w.ready}
 			<p class="text-center text-muted-foreground text-sm mt-8">
@@ -59,9 +60,6 @@
 				to get started
 			</p>
 		{:else if w.accountType === 'monero'}
-			<a href="/" class="text-xs text-muted-foreground underline mb-1 inline-block">
-				← Back to home
-			</a>
 			{#if w.downloading}
 				<Card>
 					<CardContent>
@@ -134,7 +132,19 @@
 								</div>
 								{#if moneroSelectedWallet}
 									<div class="flex flex-col gap-2">
-										{#if w.biometricAvailable}
+										{#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()
diff --git a/apps/desktop/src/routes/monero/send.svelte b/apps/desktop/src/routes/monero/send.svelte
index d1c7813..101cb6f 100644
--- a/apps/desktop/src/routes/monero/send.svelte
+++ b/apps/desktop/src/routes/monero/send.svelte
@@ -92,15 +92,7 @@
 	}
 </script>
 
-<div class="mx-auto mt-16 max-w-md">
-	<Button
-		variant="outline"
-		size="sm"
-		onclick={() => navigate('/monero')}
-		class="mb-4">
-		&larr; Back
-	</Button>
-
+<div class="mx-auto max-w-xl">
 	<Card>
 		<CardHeader>
 			<CardTitle>Send XMR</CardTitle>
diff --git a/apps/desktop/src/routes/monero/settings.svelte b/apps/desktop/src/routes/monero/settings.svelte
index 8a00758..a5b025d 100644
--- a/apps/desktop/src/routes/monero/settings.svelte
+++ b/apps/desktop/src/routes/monero/settings.svelte
@@ -21,7 +21,7 @@
 	})
 </script>
 
-<div class="mx-auto mt-16 max-w-md">
+<div class="mx-auto max-w-xl">
 	<div class="flex flex-col gap-4">
 		<Card>
 			<CardHeader>
@@ -82,14 +82,7 @@
 						</p>
 					{/if}
 
-					<div class="pt-2 border-t border-border">
-						<Button
-							variant="outline"
-							size="sm"
-							onclick={() => navigate('/monero')}>
-							Back
-						</Button>
-					</div>
+					
 				</div>
 			</CardContent>
 		</Card>
diff --git a/apps/desktop/src/routes/monero/tx/[hash].svelte b/apps/desktop/src/routes/monero/tx/[hash].svelte
index cf433cf..9fadf77 100644
--- a/apps/desktop/src/routes/monero/tx/[hash].svelte
+++ b/apps/desktop/src/routes/monero/tx/[hash].svelte
@@ -35,15 +35,7 @@
 	})
 </script>
 
-<div class="mx-auto mt-16 max-w-md">
-	<Button
-		variant="outline"
-		size="sm"
-		onclick={() => navigate('/monero')}
-		class="mb-4">
-		&larr; Back
-	</Button>
-
+<div class="mx-auto max-w-xl">
 	<Card>
 		<CardHeader>
 			<CardTitle>Transaction Details</CardTitle>
diff --git a/apps/desktop/src/routes/monero/wallet/[name].svelte b/apps/desktop/src/routes/monero/wallet/[name].svelte
index 22a7f9d..feba7f4 100644
--- a/apps/desktop/src/routes/monero/wallet/[name].svelte
+++ b/apps/desktop/src/routes/monero/wallet/[name].svelte
@@ -146,7 +146,7 @@
 	})
 </script>
 
-<div class="mx-auto mt-16 max-w-md">
+<div class="mx-auto max-w-xl">
 	<div class="flex flex-col gap-4">
 		<Card>
 			{@const a = chunkAddress(w.address)}
diff --git a/apps/desktop/src/routes/settings.svelte b/apps/desktop/src/routes/settings.svelte
index c1c3e19..2b348c4 100644
--- a/apps/desktop/src/routes/settings.svelte
+++ b/apps/desktop/src/routes/settings.svelte
@@ -33,23 +33,9 @@
 	}
 </script>
 
-<div class="mx-auto mt-16 max-w-md">
+<div class="mx-auto max-w-xl">
 	<div class="flex flex-col gap-4">
-		<div class="flex items-center gap-2">
-			<Button
-				variant="outline"
-				size="sm"
-				onclick={() =>
-					w.currentWalletId
-						? navigate('/xrp/wallet/:id', {
-								params: { id: w.currentWalletId },
-							})
-						: navigate('/xrp')}>
-				<ArrowLeft size={16} />
-				Back
-			</Button>
-		</div>
-		{#if w.wallets.length > 0}
+{#if w.wallets.length > 0}
 			<Card>
 				<CardHeader>
 					<CardTitle>Wallets</CardTitle>
diff --git a/apps/desktop/src/routes/xrp/index.svelte b/apps/desktop/src/routes/xrp/index.svelte
index ee25b52..fbeed31 100644
--- a/apps/desktop/src/routes/xrp/index.svelte
+++ b/apps/desktop/src/routes/xrp/index.svelte
@@ -1,5 +1,6 @@
 <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'
@@ -63,7 +64,7 @@
 	}
 </script>
 
-<div class="mx-auto mt-16 max-w-md">
+<div class="mx-auto max-w-xl">
 	<div class="flex flex-col gap-4">
 		{#if !w.ready}
 			<p class="text-center text-muted-foreground text-sm mt-8">
@@ -75,11 +76,6 @@
 				to get started
 			</p>
 		{:else}
-			<a
-				href="/"
-				class="text-xs text-muted-foreground underline mb-1 inline-block">
-				← Back to home
-			</a>
 			{#if newSeed}
 				<Card>
 					<CardHeader>
@@ -177,7 +173,9 @@
 							{#each w.wallets as wal}
 								<button
 									onclick={async () => {
-										if (wal.hasPassword) {
+										if (session.unlocked) {
+											await w.autoUnlock(wal.id)
+										} else if (wal.hasPassword) {
 											await w.selectWallet(wal.id)
 										} else {
 											await w.selectAndUnlockWallet(wal.id)
diff --git a/apps/desktop/src/routes/xrp/send.svelte b/apps/desktop/src/routes/xrp/send.svelte
index e667e8b..46fdb79 100644
--- a/apps/desktop/src/routes/xrp/send.svelte
+++ b/apps/desktop/src/routes/xrp/send.svelte
@@ -59,18 +59,7 @@
 	}
 </script>
 
-<div class="mx-auto mt-16 max-w-md">
-	<Button
-		variant="outline"
-		size="sm"
-		onclick={() =>
-			navigate('/xrp/wallet/:id', {
-				params: { id: w.currentWalletId ?? '' },
-			})}
-		class="mb-4">
-		&larr; Back
-	</Button>
-
+<div class="mx-auto max-w-xl">
 	<Card>
 		<CardHeader>
 			<CardTitle>Send XRP</CardTitle>
diff --git a/apps/desktop/src/routes/xrp/tx/[hash].svelte b/apps/desktop/src/routes/xrp/tx/[hash].svelte
index 3c7e22a..3c41faa 100644
--- a/apps/desktop/src/routes/xrp/tx/[hash].svelte
+++ b/apps/desktop/src/routes/xrp/tx/[hash].svelte
@@ -35,18 +35,7 @@
 	})
 </script>
 
-<div class="mx-auto mt-16 max-w-md">
-	<Button
-		variant="outline"
-		size="sm"
-		onclick={() =>
-			navigate('/xrp/wallet/:id', {
-				params: { id: xrpWallet.currentWalletId ?? '' },
-			})}
-		class="mb-4">
-		&larr; Back
-	</Button>
-
+<div class="mx-auto max-w-xl">
 	<Card>
 		<CardHeader>
 			<CardTitle>Transaction Details</CardTitle>
diff --git a/apps/desktop/src/routes/xrp/wallet/[id].svelte b/apps/desktop/src/routes/xrp/wallet/[id].svelte
index 3002344..61d92c7 100644
--- a/apps/desktop/src/routes/xrp/wallet/[id].svelte
+++ b/apps/desktop/src/routes/xrp/wallet/[id].svelte
@@ -55,7 +55,7 @@
 	})
 </script>
 
-<div class="mx-auto mt-16 max-w-md">
+<div class="mx-auto max-w-xl">
 	<div class="flex flex-col gap-4">
 		<Card>
 			<CardHeader>