diff --git a/apps/desktop/electrobun.config.ts b/apps/desktop/electrobun.config.ts
index a7e86a3..b2593f8 100644
--- a/apps/desktop/electrobun.config.ts
+++ b/apps/desktop/electrobun.config.ts
@@ -4,7 +4,7 @@ export default {
 	app: {
 		name: 'koins',
 		identifier: 'koins.tzgyn.com',
-		version: '0.0.1',
+		version: '0.0.2',
 	},
 	build: {
 		// Vite builds to dist/, we copy from there
diff --git a/apps/desktop/src/bun/native/biometric-helper b/apps/desktop/src/bun/native/biometric-helper
index bc74588..1880231 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 9a5f829..e9bb82d 100644
--- a/apps/desktop/src/lib/states/monero-wallet.svelte.ts
+++ b/apps/desktop/src/lib/states/monero-wallet.svelte.ts
@@ -46,6 +46,21 @@ export const MoneroWallet = () => {
 	let loading = $state(false)
 	let error = $state('')
 	let selectedAccountIndex = $state(0)
+	let opening = $state(false)
+	let openingDepth = 0
+	let passwordRequired = $state(false)
+	let startInFlight: Promise<{ running: boolean; connected: boolean }> | null = null
+	let loginInFlight: Promise<void> | null = null
+
+	const beginOpening = () => {
+		openingDepth += 1
+		opening = true
+	}
+
+	const endOpening = () => {
+		openingDepth = Math.max(0, openingDepth - 1)
+		if (openingDepth === 0) opening = false
+	}
 
 	const checkBiometric = async () => {
 		if (!electrobun.rpc) return
@@ -76,15 +91,33 @@ export const MoneroWallet = () => {
 	}
 
 	const login = async () => {
-		accountType = 'monero'
-		if (installed && !running) {
-			await start()
-			await checkStatus()
-		}
-		await listWallets()
-		if (wallets.length > 0) {
-			const pw = await moneroGetStoredPassword(wallets[0])
-			if (pw) await openExistingWallet(wallets[0], pw)
+		if (walletOpen) return
+		if (loginInFlight) return loginInFlight
+		loginInFlight = (async () => {
+			accountType = 'monero'
+			beginOpening()
+			try {
+				if (installed && !running) {
+					await start()
+					await checkStatus()
+				}
+				await listWallets()
+				if (wallets.length > 0) {
+					const pw = await moneroGetStoredPassword(wallets[0])
+					if (pw) await openExistingWallet(wallets[0], pw)
+					else passwordRequired = true
+				}
+				error = ''
+			} catch (e) {
+				error = e instanceof Error ? e.message : 'Failed to open wallet'
+			} finally {
+				endOpening()
+			}
+		})()
+		try {
+			await loginInFlight
+		} finally {
+			loginInFlight = null
 		}
 	}
 
@@ -143,13 +176,18 @@ export const MoneroWallet = () => {
 		if (!electrobun.rpc) throw new Error('RPC not available')
 		const pw = password ?? (await moneroGetStoredPassword(name))
 		if (!pw) throw new Error('Password required')
-		await electrobun.rpc.request.moneroOpenWallet({
-			name,
-			password: pw,
-		})
-		walletName = name
-		walletOpen = true
-		await refresh()
+		beginOpening()
+		try {
+			await electrobun.rpc.request.moneroOpenWallet({
+				name,
+				password: pw,
+			})
+			walletName = name
+			walletOpen = true
+			await refresh()
+		} finally {
+			endOpening()
+		}
 	}
 
 	const checkStatus = async () => {
@@ -184,9 +222,20 @@ export const MoneroWallet = () => {
 
 	const start = async () => {
 		if (!electrobun.rpc) return
-		const status = await electrobun.rpc.request.moneroStart({})
-		running = status.running
-		connected = status.connected
+		beginOpening()
+		try {
+			if (!startInFlight) {
+				startInFlight = electrobun.rpc.request.moneroStart({})
+				const status = await startInFlight
+				running = status.running
+				connected = status.connected
+			} else {
+				await startInFlight
+			}
+		} finally {
+			startInFlight = null
+			endOpening()
+		}
 	}
 
 	const stop = async () => {
@@ -195,6 +244,7 @@ export const MoneroWallet = () => {
 		running = false
 		walletOpen = false
 		connected = false
+		passwordRequired = false
 		address = ''
 		balAtomic = '0'
 		unlockedAtomic = '0'
@@ -209,16 +259,21 @@ export const MoneroWallet = () => {
 		storePw?: boolean,
 	) => {
 		if (!electrobun.rpc) throw new Error('RPC not available')
-		const result = await electrobun.rpc.request.moneroCreateWallet({
-			name,
-			password,
-		})
-		walletName = name
-		walletOpen = true
-		address = result.address
-		if (storePw) await moneroStorePassword(name, password)
-		await refresh()
-		return result
+		beginOpening()
+		try {
+			const result = await electrobun.rpc.request.moneroCreateWallet({
+				name,
+				password,
+			})
+			walletName = name
+			walletOpen = true
+			address = result.address
+			if (storePw) await moneroStorePassword(name, password)
+			await refresh()
+			return result
+		} finally {
+			endOpening()
+		}
 	}
 
 	const restoreWallet = async (
@@ -229,25 +284,35 @@ export const MoneroWallet = () => {
 		storePw?: boolean,
 	) => {
 		if (!electrobun.rpc) throw new Error('RPC not available')
-		const result = await electrobun.rpc.request.moneroRestoreWallet({
-			name,
-			password,
-			mnemonic,
-			restoreHeight,
-		})
-		walletName = name
-		walletOpen = true
-		address = result.address
-		if (storePw) await moneroStorePassword(name, password)
-		await refresh()
+		beginOpening()
+		try {
+			const result = await electrobun.rpc.request.moneroRestoreWallet({
+				name,
+				password,
+				mnemonic,
+				restoreHeight,
+			})
+			walletName = name
+			walletOpen = true
+			address = result.address
+			if (storePw) await moneroStorePassword(name, password)
+			await refresh()
+		} finally {
+			endOpening()
+		}
 	}
 
 	const openWallet = async (name: string, password: string) => {
 		if (!electrobun.rpc) return
-		await electrobun.rpc.request.moneroOpenWallet({ name, password })
-		walletName = name
-		walletOpen = true
-		await refresh()
+		beginOpening()
+		try {
+			await electrobun.rpc.request.moneroOpenWallet({ name, password })
+			walletName = name
+			walletOpen = true
+			await refresh()
+		} finally {
+			endOpening()
+		}
 	}
 
 	const autoUnlock = async (name?: string) => {
@@ -255,15 +320,36 @@ export const MoneroWallet = () => {
 		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
+		if (!pw) {
+			passwordRequired = true
+			return false
+		}
+		beginOpening()
+		try {
+			await electrobun.rpc.request.moneroOpenWallet({
+				name: target,
+				password: pw,
+			})
+			walletName = target
+			walletOpen = true
+			passwordRequired = false
+			error = ''
+			await refresh()
+			return true
+		} catch (e) {
+			error = e instanceof Error ? e.message : 'Failed to open wallet'
+			return false
+		} finally {
+			endOpening()
+		}
+	}
+
+	const unlockWallet = async (password: string, remember = false) => {
+		const target = wallets[0]
+		if (!target) return
+		await openWallet(target, password)
+		passwordRequired = false
+		if (remember) await moneroStorePassword(target, password)
 	}
 
 	const refresh = async () => {
@@ -404,6 +490,12 @@ export const MoneroWallet = () => {
 		get loading() {
 			return loading
 		},
+		get opening() {
+			return opening
+		},
+		get passwordRequired() {
+			return passwordRequired
+		},
 		get error() {
 			return error
 		},
@@ -451,6 +543,7 @@ export const MoneroWallet = () => {
 		restoreWallet,
 		openWallet,
 		autoUnlock,
+		unlockWallet,
 		refresh,
 		send,
 		sendAll,
diff --git a/apps/desktop/src/routes/index.svelte b/apps/desktop/src/routes/index.svelte
index 469cce9..43a37ea 100644
--- a/apps/desktop/src/routes/index.svelte
+++ b/apps/desktop/src/routes/index.svelte
@@ -123,6 +123,17 @@
 		}
 	})
 
+	$effect(() => {
+		if (
+			moneroWallet.ready &&
+			!moneroWallet.walletOpen &&
+			!moneroWallet.opening &&
+			!moneroWallet.passwordRequired
+		) {
+			moneroWallet.login()
+		}
+	})
+
 	$effect(() => {
 		if (typeof window !== 'undefined') {
 			const handler = (event: ErrorEvent) => {
@@ -181,7 +192,7 @@
 	{: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}
+			{#if loadingXrp || loadingXmr || moneroWallet.opening || (moneroWallet.wallets.length > 0 && !moneroWallet.walletOpen)}
 				<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">
@@ -240,9 +251,7 @@
 						</CardDescription>
 					</CardHeader>
 					<CardContent>
-						{#if loadingXmr && !moneroWallet.walletOpen}
-							<div class="h-14 flex items-center"><Loader /></div>
-						{:else if moneroWallet.walletOpen}
+						{#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">
@@ -252,8 +261,31 @@
 									${fmtUsd(parseFloat(xmrPrice) )} / XMR
 								</p>
 							{/if}
+						{:else if moneroWallet.passwordRequired && moneroWallet.wallets.length > 0}
+							<p class="text-sm text-muted-foreground py-3">Wallet locked — unlock to view balance</p>
 						{:else if moneroWallet.wallets.length > 0}
-							<p class="text-sm text-muted-foreground py-3">Open wallet to view balance</p>
+							<div class="h-14 flex items-center gap-2">
+								<Loader />
+								<p class="text-sm text-muted-foreground">Opening wallet...</p>
+							</div>
+						{:else if moneroWallet.opening}
+							<div class="h-14 flex items-center gap-2">
+								<Loader />
+								<p class="text-sm text-muted-foreground">Starting wallet server...</p>
+							</div>
+						{:else if moneroWallet.error}
+							<div class="py-3">
+								<p class="text-xs text-destructive break-words">{moneroWallet.error}</p>
+								<Button
+									variant="outline"
+									size="sm"
+									class="mt-2 gap-1.5"
+									onclick={() => moneroWallet.login()}>
+									Retry
+								</Button>
+							</div>
+						{:else if loadingXmr}
+							<div class="h-14 flex items-center"><Loader /></div>
 						{:else}
 							<Button
 								onclick={() => navigate('/monero')}
diff --git a/apps/desktop/src/routes/monero/index.svelte b/apps/desktop/src/routes/monero/index.svelte
index e370505..d9f8e4f 100644
--- a/apps/desktop/src/routes/monero/index.svelte
+++ b/apps/desktop/src/routes/monero/index.svelte
@@ -19,8 +19,27 @@
 	let moneroMnemonic = $state('')
 	let moneroRestoreHeight = $state<number | undefined>(undefined)
 
+	let walletPassword = $state('')
+	let rememberPassword = $state(true)
+	let unlocking = $state(false)
+	let unlockError = $state('')
+
 	let initStarted = false
 
+	async function unlockWithPassword() {
+		if (unlocking || !walletPassword.trim()) return
+		unlocking = true
+		unlockError = ''
+		try {
+			await w.unlockWallet(walletPassword.trim(), rememberPassword)
+			walletPassword = ''
+		} catch (e) {
+			unlockError = e instanceof Error ? e.message : 'Failed to unlock wallet'
+		} finally {
+			unlocking = false
+		}
+	}
+
 	$effect(() => {
 		if (w.walletOpen && w.walletName) {
 			navigate('/monero/wallet/:name', {
@@ -40,7 +59,7 @@
 	})
 
 	$effect(() => {
-		if (w.running && !w.walletOpen && w.wallets.length > 0 && !w.loading) {
+		if (w.running && !w.walletOpen && w.wallets.length > 0 && !w.loading && !w.opening) {
 			w.autoUnlock(w.wallets[0])
 		}
 	})
@@ -66,6 +85,15 @@
 						</p>
 					</CardContent>
 				</Card>
+			{:else if w.opening}
+				<Card>
+					<CardContent class="flex items-center justify-center gap-2 py-8">
+						<Loader />
+						<span class="text-sm text-muted-foreground">
+							{!w.running ? 'Starting wallet server...' : 'Opening wallet...'}
+						</span>
+					</CardContent>
+				</Card>
 			{:else if !w.installed}
 				<Card>
 					<CardHeader>
@@ -99,7 +127,48 @@
 					</CardContent>
 				</Card>
 			{:else if !w.walletOpen}
-				{#if w.wallets.length > 0}
+				{#if w.opening}
+					<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 if w.passwordRequired && w.wallets.length > 0}
+					<Card>
+						<CardHeader>
+							<CardTitle>Wallet locked</CardTitle>
+							<CardDescription>
+								Enter the password for {w.wallets[0]} to open it
+							</CardDescription>
+						</CardHeader>
+						<CardContent>
+							<div class="flex flex-col gap-3">
+								<Input
+									type="password"
+									placeholder="Wallet password"
+									bind:value={walletPassword} />
+								<label class="flex items-center gap-2 text-xs">
+									<input
+										type="checkbox"
+										bind:checked={rememberPassword}
+										class="h-3.5 w-3.5" />
+									Remember password for auto-unlock
+								</label>
+								<Button
+									onclick={unlockWithPassword}
+									disabled={unlocking || !walletPassword.trim()}>
+									{unlocking ? 'Opening...' : 'Unlock Wallet'}
+								</Button>
+								{#if unlockError}
+									<p class="text-xs text-destructive">{unlockError}</p>
+								{/if}
+							</div>
+						</CardContent>
+					</Card>
+				{:else if w.wallets.length > 0}
 					<Card>
 						<CardContent class="flex items-center justify-center py-8">
 							<Loader />
diff --git a/apps/desktop/src/routes/monero/wallet/[name].svelte b/apps/desktop/src/routes/monero/wallet/[name].svelte
index d8f2d7a..c31f185 100644
--- a/apps/desktop/src/routes/monero/wallet/[name].svelte
+++ b/apps/desktop/src/routes/monero/wallet/[name].svelte
@@ -24,6 +24,8 @@
 	import Send from '@lucide/svelte/icons/send'
 	import QrCodeIcon from '@lucide/svelte/icons/qr-code'
 	import Plus from '@lucide/svelte/icons/plus'
+	import Users from '@lucide/svelte/icons/users'
+	import Tags from '@lucide/svelte/icons/tags'
 	import Loader from '$lib/components/loader.svelte'
 	import QrCode from '$lib/components/qr.svelte'
 	import { navigate, route } from 'sv-router/generated'
@@ -97,9 +99,53 @@
 
 	let accountDialogOpen = $state(false)
 	let accountLabel = $state('')
+	let accountBusy = $state(false)
+	let accountError = $state('')
 	let subaddressDialogOpen = $state(false)
 	let subaddressAccountIndex = $state('')
 	let subaddressLabel = $state('')
+	let subaddressBusy = $state(false)
+	let subaddressError = $state('')
+
+	$effect(() => {
+		if (!subaddressAccountIndex && w.accounts.length > 0) {
+			subaddressAccountIndex = String(w.accounts[0].index)
+		}
+	})
+
+	async function handleCreateAccount() {
+		if (accountBusy) return
+		accountBusy = true
+		accountError = ''
+		try {
+			await w.createAccount(accountLabel || undefined)
+			accountDialogOpen = false
+			accountLabel = ''
+		} catch (e) {
+			accountError = e instanceof Error ? e.message : 'Failed to create account'
+		} finally {
+			accountBusy = false
+		}
+	}
+
+	async function handleCreateSubaddress() {
+		if (subaddressBusy || !subaddressAccountIndex) return
+		subaddressBusy = true
+		subaddressError = ''
+		try {
+			await w.createSubaddress(
+				parseInt(subaddressAccountIndex),
+				subaddressLabel || undefined,
+			)
+			subaddressDialogOpen = false
+			subaddressAccountIndex = ''
+			subaddressLabel = ''
+		} catch (e) {
+			subaddressError = e instanceof Error ? e.message : 'Failed to create subaddress'
+		} finally {
+			subaddressBusy = false
+		}
+	}
 
 	const walletName = $derived(route.params.name)
 
@@ -134,16 +180,27 @@
 	})
 
 	onMount(() => {
-		if (!w.walletOpen || w.walletName !== walletName) {
+		if (w.walletOpen && w.walletName === walletName) {
+			w.refresh()
+			electrobun.rpc?.request
+				.fetchMoneroPrice({})
+				.then((p) => (moneroPrice = p))
+		}
+	})
+
+	$effect(() => {
+		if (!w.opening && (!w.walletOpen || w.walletName !== walletName)) {
 			navigate('/monero')
 		}
-		w.refresh()
-		electrobun.rpc?.request
-			.fetchMoneroPrice({})
-			.then((p) => (moneroPrice = p))
 	})
 </script>
 
+{#if !w.walletOpen || w.walletName !== walletName}
+	<div class="flex flex-col items-center justify-center gap-3 py-24">
+		<Loader />
+		<p class="text-sm text-muted-foreground">Opening wallet...</p>
+	</div>
+{:else}
 <div class="space-y-6">
 	<div class="flex flex-col items-center py-2">
 		{#if w.loading}
@@ -340,14 +397,44 @@
 						</Dialog.Trigger>
 						<Dialog.Content>
 							<Dialog.Header>
-								<Dialog.Title>Create Account</Dialog.Title>
-								<Dialog.Description>Optional label for the new account</Dialog.Description>
+								<div class="flex items-center gap-3">
+									<div class="flex size-10 shrink-0 items-center justify-center rounded-full bg-muted">
+										<Users size={16} class="text-muted-foreground" />
+									</div>
+									<div class="space-y-0.5">
+										<Dialog.Title>Create Account</Dialog.Title>
+										<Dialog.Description>
+											New account with its own balance and addresses
+										</Dialog.Description>
+									</div>
+								</div>
 							</Dialog.Header>
 							<div class="px-6 pb-4 space-y-3">
-								<Input placeholder="Account label (optional)" bind:value={accountLabel} />
+								<div class="space-y-1.5">
+									<label class="text-xs font-medium" for="account-label">Label</label>
+									<Input id="account-label" placeholder="Savings" bind:value={accountLabel} />
+									<p class="text-xs text-muted-foreground">
+										Optional — shown next to the account in your wallet
+									</p>
+								</div>
+								{#if accountError}
+									<p class="text-xs text-destructive">{accountError}</p>
+								{/if}
 								<div class="flex justify-end gap-2">
-									<Button variant="outline" size="sm" onclick={() => { accountDialogOpen = false; accountLabel = '' }}>Cancel</Button>
-									<Button size="sm" onclick={async () => { await w.createAccount(accountLabel || undefined); accountDialogOpen = false; accountLabel = '' }}>Create</Button>
+									<Button
+										variant="outline"
+										size="sm"
+										disabled={accountBusy}
+										onclick={() => {
+											accountDialogOpen = false
+											accountLabel = ''
+											accountError = ''
+										}}>
+										Cancel
+									</Button>
+									<Button size="sm" disabled={accountBusy} onclick={handleCreateAccount}>
+										{accountBusy ? 'Creating...' : 'Create'}
+									</Button>
 								</div>
 							</div>
 						</Dialog.Content>
@@ -360,29 +447,66 @@
 						</Dialog.Trigger>
 						<Dialog.Content>
 							<Dialog.Header>
-								<Dialog.Title>Create Subaddress</Dialog.Title>
-								<Dialog.Description>Account index and optional label</Dialog.Description>
+								<div class="flex items-center gap-3">
+									<div class="flex size-10 shrink-0 items-center justify-center rounded-full bg-muted">
+										<Tags size={16} class="text-muted-foreground" />
+									</div>
+									<div class="space-y-0.5">
+										<Dialog.Title>Create Subaddress</Dialog.Title>
+										<Dialog.Description>
+											Receiving address tied to an account
+										</Dialog.Description>
+									</div>
+								</div>
 							</Dialog.Header>
 							<div class="px-6 pb-4 space-y-3">
 								<div class="space-y-1.5">
-									<label class="text-xs font-medium">Account</label>
+									<label class="text-xs font-medium" for="subaddress-account">Account</label>
 									<Select type="single" bind:value={subaddressAccountIndex}>
 										<SelectTrigger>
-											{subaddressAccountIndex ? `Account ${subaddressAccountIndex}` : 'Select account'}
+											Account {subaddressAccountIndex}
 										</SelectTrigger>
 										<SelectContent>
 											{#each w.accounts as acct}
 												<SelectItem value={String(acct.index)}>
-													Account {acct.index}{acct.label ? ` - ${acct.label}` : ''}
+													Account {acct.index}{acct.label ? ` - ${acct.label}` : ''} ({atomicToXmr(acct.unlockedBalance)} XMR)
 												</SelectItem>
 											{/each}
 										</SelectContent>
 									</Select>
+									<p class="text-xs text-muted-foreground">
+										Where the subaddress belongs
+									</p>
 								</div>
-								<Input placeholder="Subaddress label (optional)" bind:value={subaddressLabel} />
+								<div class="space-y-1.5">
+									<label class="text-xs font-medium" for="subaddress-label">Label</label>
+									<Input id="subaddress-label" placeholder="Donations" bind:value={subaddressLabel} />
+									<p class="text-xs text-muted-foreground">
+										Optional — helps you track who sent you funds
+									</p>
+								</div>
+								{#if subaddressError}
+									<p class="text-xs text-destructive">{subaddressError}</p>
+								{/if}
 								<div class="flex justify-end gap-2">
-									<Button variant="outline" size="sm" onclick={() => { subaddressDialogOpen = false; subaddressAccountIndex = ''; subaddressLabel = '' }}>Cancel</Button>
-									<Button size="sm" disabled={!subaddressAccountIndex} onclick={async () => { await w.createSubaddress(parseInt(subaddressAccountIndex), subaddressLabel || undefined); subaddressDialogOpen = false; subaddressAccountIndex = ''; subaddressLabel = '' }}>Create</Button>
+									<Button
+										variant="outline"
+										size="sm"
+										disabled={subaddressBusy}
+										onclick={() => {
+											subaddressDialogOpen = false
+											subaddressAccountIndex = ''
+											subaddressLabel = ''
+											subaddressError = ''
+										}}>
+										Cancel
+									</Button>
+									<Button
+										size="sm"
+										disabled={subaddressBusy || !subaddressAccountIndex}
+										onclick={handleCreateSubaddress}>
+										{subaddressBusy ? 'Creating...' : 'Create'}
+									</Button>
 								</div>
 							</div>
 						</Dialog.Content>
@@ -455,4 +579,5 @@
 			</div>
 		</CardContent>
 	</Card>
-</div>
\ No newline at end of file
+</div>
+{/if}
\ No newline at end of file