Signing up is a name and a look: no seed phrase to copy or check, no Savings until you want it, and ways back in you add afterwards. "i think i'd like to move away from requiring people to backup and verify a seed phrase to sign up. we should just have them claim a name and pick their avatar/cover and they should be in. we should also not create a savings account by default but let them add it later if they want to. adding additional auth methods like passkey, nostr, or google should be possible once they've created their account so that they can get back into it with one or all of those methods or by seed phrase." (Adam, 2026-11-15). Where a name can be claimed (mainnet, mutinynet, with Ark and the registrar), the front door's "Create an account" makes the account at once (seed saved to the device, never shown) and goes Claim your name (no Not now) → Choose your look → in. The account is Spending alone; Settings → Wallet → Balance settings has "Add a savings account" (same seed, account 0), and on-chain money or history turning up adds it by itself. Settings → Wallet opens with "Ways back in": add a passkey, Google or a Nostr account, each of which gets a copy of the seed encrypted to its own key (kind 30078, marked recovery), and signing in with it on another device opens this account as itself, no identity adopted; the recovery phrase sits in the same list with Show. Until one exists the wallet carries a quiet "Add a way back into your account" line. The shape and the list survive the session (directory) and sync between devices (snapshot). Regtest and builds without Ark keep the classic phrase flow, and so does the /migrate door's Create. tools/signup-quick-test.js (mainnet, mocked registrar, virtual passkey): the whole sign-up, Add savings, a reload, then a wiped page signs back in with the passkey to the same account and identity. balance-settings-row, send-lnaddr-advance and onboard-backup reach their seed wallets through the phrase door or on regtest; features-smoke, onboard-cover, onboard-migrate-door, nostr-login, gift-profile-setup, passkey-lock and seed-cache pass

Co-Authored-By: Claude Opus 5.5 <[email protected]>
Claude-Session: https://claude.ai/code/session_01VMan6SwkivduFDDkMmnXjZ

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