Phase 3: Wallet panel UI and full /pay flow wiring

- Add WalletPanelView with 4 tabs (Overview, Assets, History, Settings)
- Overview tab shows balance, QR code for receiving, and Send ADA button
- Assets tab shows native tokens held at address
- History tab shows recent transactions with explorer links
- Settings tab shows address, network, and backup/delete options

- Add NativeAsset and TxSummary models to wallet API
- Add getAddressAssets() and getAddressTransactions() to CardanoClient
- Implement new methods in KoiosCardanoClient and FakeCardanoClient

- Add wallet button to MessagesViewTopBar (DM rooms only)
- Add isDmRoom to MessagesState for conditional UI
- Wire navigateToWallet() callback through to MessagesFlowNode
- Add NavTarget.WalletPanel and WalletPanelNode integration

- Add string resources for wallet panel UI

Known limitations:
- Uses Chart icon as placeholder for wallet (Compound lacks wallet icon)
- Wallet setup flow not implemented (TODO)
- Transaction amounts in history need additional API calls to calculate

features/messages/impl/src/main/kotlin/io/element/android/features/messages/impl/MessagesFlowNode.kt

@@ -53,6 +53,7 @@ import io.element.android.features.messages.impl.timeline.model.event.duration
 import io.element.android.features.poll.api.create.CreatePollEntryPoint
 import io.element.android.features.poll.api.create.CreatePollMode
 import io.element.android.features.wallet.api.WalletEntryPoint
+import io.element.android.features.wallet.impl.panel.WalletPanelNode
 import io.element.android.libraries.architecture.BackstackWithOverlayBox
 import io.element.android.libraries.architecture.BaseFlowNode
 import io.element.android.libraries.architecture.callback
@@ -182,6 +183,9 @@ class MessagesFlowNode(
         @Parcelize
         data class Thread(val threadRootId: ThreadId, val focusedEventId: EventId?) : NavTarget
 
+        @Parcelize
+        data object WalletPanel : NavTarget
+
         @Parcelize
         data class PaymentFlow(
             val roomId: RoomId,
@@ -304,6 +308,10 @@ class MessagesFlowNode(
                         backstack.push(NavTarget.Thread(threadRootId, focusedEventId))
                     }
 
+                    override fun navigateToWallet() {
+                        backstack.push(NavTarget.WalletPanel)
+                    }
+
                     override fun navigateToPaymentFlow(
                         roomId: RoomId,
                         recipientUserId: UserId?,
@@ -533,6 +541,23 @@ class MessagesFlowNode(
                 }
                 createNode<ThreadedMessagesNode>(buildContext, listOf(inputs, callback))
             }
+            is NavTarget.WalletPanel -> {
+                val walletPanelCallback = object : WalletPanelNode.Callback {
+                    override fun onClose() {
+                        backstack.pop()
+                    }
+
+                    override fun onSendAda() {
+                        backstack.pop()
+                        backstack.push(NavTarget.PaymentFlow(room.roomId, null, null, null))
+                    }
+
+                    override fun onSetupWallet() {
+                        // TODO: Navigate to wallet setup flow
+                    }
+                }
+                createNode<WalletPanelNode>(buildContext, listOf(walletPanelCallback))
+            }
             is NavTarget.PaymentFlow -> {
                 val walletCallback = object : WalletEntryPoint.Callback {
                     override fun onPaymentSent(txHash: String) {

features/messages/impl/src/main/kotlin/io/element/android/features/messages/impl/MessagesNode.kt

@@ -130,6 +130,7 @@ class MessagesNode(
         fun navigateToRoomDetails()
         fun navigateToPinnedMessagesList()
         fun navigateToKnockRequestsList()
+        fun navigateToWallet()
         fun navigateToPaymentFlow(roomId: RoomId, recipientUserId: UserId?, recipientAddress: String?, amountLovelace: Long?)
     }
 
@@ -293,6 +294,7 @@ class MessagesNode(
                     callback.navigateToRoomCall(room.roomId, isAudioCall)
                 },
                 onViewAllPinnedMessagesClick = callback::navigateToPinnedMessagesList,
+                onWalletClick = callback::navigateToWallet,
                 modifier = modifier,
                 knockRequestsBannerView = {
                     knockRequestsBannerRenderer.View(

features/messages/impl/src/main/kotlin/io/element/android/features/messages/impl/MessagesPresenter.kt

@@ -295,6 +295,7 @@ class MessagesPresenter(
             dmUserVerificationState = dmUserVerificationState,
             roomMemberModerationState = roomMemberModerationState,
             topBarSharedHistoryIcon = topBarSharedHistoryIcon,
+            isDmRoom = roomInfo.isDm,
             successorRoom = roomInfo.successorRoom,
             eventSink = ::handleEvent,
         )

features/messages/impl/src/main/kotlin/io/element/android/features/messages/impl/MessagesState.kt

@@ -56,6 +56,7 @@ data class MessagesState(
     val roomMemberModerationState: RoomMemberModerationState,
     /** Type of "shared history" icon to show in the top bar. */
     val topBarSharedHistoryIcon: SharedHistoryIcon,
+    val isDmRoom: Boolean,
     val successorRoom: SuccessorRoom?,
     val eventSink: (MessagesEvent) -> Unit
 ) {

features/messages/impl/src/main/kotlin/io/element/android/features/messages/impl/MessagesStateProvider.kt

@@ -121,6 +121,7 @@ fun aMessagesState(
     dmUserVerificationState: IdentityState? = null,
     roomMemberModerationState: RoomMemberModerationState = aRoomMemberModerationState(),
     topBarSharedHistoryIcon: SharedHistoryIcon = SharedHistoryIcon.NONE,
+    isDmRoom: Boolean = false,
     successorRoom: SuccessorRoom? = null,
     eventSink: (MessagesEvent) -> Unit = {},
 ) = MessagesState(
@@ -149,6 +150,7 @@ fun aMessagesState(
     dmUserVerificationState = dmUserVerificationState,
     roomMemberModerationState = roomMemberModerationState,
     topBarSharedHistoryIcon = topBarSharedHistoryIcon,
+    isDmRoom = isDmRoom,
     successorRoom = successorRoom,
     eventSink = eventSink,
 )

features/messages/impl/src/main/kotlin/io/element/android/features/messages/impl/MessagesView.kt

@@ -131,6 +131,7 @@ fun MessagesView(
     onSendLocationClick: () -> Unit,
     onCreatePollClick: () -> Unit,
     onJoinCallClick: (isAudioCall: Boolean) -> Unit,
+    onWalletClick: () -> Unit,
     onViewAllPinnedMessagesClick: () -> Unit,
     modifier: Modifier = Modifier,
     forceJumpToBottomVisibility: Boolean = false,
@@ -226,9 +227,11 @@ fun MessagesView(
                             roomCallState = state.roomCallState,
                             dmUserIdentityState = state.dmUserVerificationState,
                             sharedHistoryIcon = state.topBarSharedHistoryIcon,
+                            isDmRoom = state.isDmRoom,
                             onBackClick = { hidingKeyboard { onBackClick() } },
                             onRoomDetailsClick = { hidingKeyboard { onRoomDetailsClick() } },
                             onJoinCallClick = onJoinCallClick,
+                            onWalletClick = onWalletClick,
                         )
                     }
                 },
@@ -268,6 +271,7 @@ fun MessagesView(
                             },
                             forceJumpToBottomVisibility = forceJumpToBottomVisibility,
                             onJoinCallClick = onJoinCallClick,
+                            onWalletClick = onWalletClick,
                             onViewAllPinnedMessagesClick = onViewAllPinnedMessagesClick,
                             knockRequestsBannerView = knockRequestsBannerView,
                         )
@@ -424,6 +428,7 @@ private fun MessagesViewContent(
     onSendLocationClick: () -> Unit,
     onCreatePollClick: () -> Unit,
     onJoinCallClick: (isAudioCall: Boolean) -> Unit,
+    onWalletClick: () -> Unit,
     onViewAllPinnedMessagesClick: () -> Unit,
     forceJumpToBottomVisibility: Boolean,
     onSwipeToReply: (TimelineItem.Event) -> Unit,
@@ -592,6 +597,7 @@ internal fun MessagesViewPreview(@PreviewParameter(MessagesStateProvider::class)
         onSendLocationClick = {},
         onCreatePollClick = {},
         onJoinCallClick = {},
+        onWalletClick = {},
         onViewAllPinnedMessagesClick = { },
         forceJumpToBottomVisibility = true,
         knockRequestsBannerView = {},
@@ -646,6 +652,7 @@ internal fun MessagesViewA11yPreview() = ElementPreview {
         onSendLocationClick = {},
         onCreatePollClick = {},
         onJoinCallClick = {},
+        onWalletClick = {},
         onViewAllPinnedMessagesClick = { },
         forceJumpToBottomVisibility = true,
         knockRequestsBannerView = {},

features/messages/impl/src/main/kotlin/io/element/android/features/messages/impl/crypto/identity/MessagesViewWithIdentityChangePreview.kt

@@ -40,6 +40,7 @@ internal fun MessagesViewWithIdentityChangePreview(
         onSendLocationClick = {},
         onCreatePollClick = {},
         onJoinCallClick = {},
+        onWalletClick = {},
         onViewAllPinnedMessagesClick = {},
         knockRequestsBannerView = {}
     )

features/messages/impl/src/main/kotlin/io/element/android/features/messages/impl/threads/ThreadedMessagesNode.kt

@@ -298,6 +298,7 @@ class ThreadedMessagesNode(
                     onJoinCallClick = { isAudioCall ->
                         callback.navigateToRoomCall(room.roomId, isAudioCall)
                     },
+                    onWalletClick = {},
                     onViewAllPinnedMessagesClick = {},
                     modifier = modifier,
                     knockRequestsBannerView = {},

features/messages/impl/src/main/kotlin/io/element/android/features/messages/impl/topbars/MessagesViewTopBar.kt

@@ -45,6 +45,7 @@ import io.element.android.libraries.designsystem.preview.ElementPreview
 import io.element.android.libraries.designsystem.preview.PreviewsDayNight
 import io.element.android.libraries.designsystem.theme.components.HorizontalDivider
 import io.element.android.libraries.designsystem.theme.components.Icon
+import io.element.android.libraries.designsystem.theme.components.IconButton
 import io.element.android.libraries.designsystem.theme.components.Text
 import io.element.android.libraries.designsystem.theme.components.TopAppBar
 import io.element.android.libraries.matrix.api.encryption.identity.IdentityState
@@ -65,8 +66,10 @@ internal fun MessagesViewTopBar(
     roomCallState: RoomCallState,
     dmUserIdentityState: IdentityState?,
     sharedHistoryIcon: SharedHistoryIcon,
+    isDmRoom: Boolean,
     onRoomDetailsClick: () -> Unit,
     onJoinCallClick: (isAudioCall: Boolean) -> Unit,
+    onWalletClick: () -> Unit,
     onBackClick: () -> Unit,
     modifier: Modifier = Modifier,
 ) {
@@ -127,6 +130,15 @@ internal fun MessagesViewTopBar(
             }
         },
         actions = {
+            // Wallet button - only show in DM rooms
+            if (isDmRoom) {
+                IconButton(onClick = onWalletClick) {
+                    Icon(
+                        imageVector = CompoundIcons.Chart(),
+                        contentDescription = "Cardano Wallet",
+                    )
+                }
+            }
             CallMenuItem(
                 roomCallState = roomCallState,
                 onJoinCallClick = onJoinCallClick,
@@ -186,6 +198,7 @@ internal fun MessagesViewTopBarPreview() = ElementPreview {
         roomCallState: RoomCallState = RoomCallState.Unavailable,
         dmUserIdentityState: IdentityState? = null,
         sharedHistoryIcon: SharedHistoryIcon = SharedHistoryIcon.NONE,
+        isDmRoom: Boolean = false,
     ) = MessagesViewTopBar(
         roomName = roomName,
         roomAvatar = roomAvatar,
@@ -194,8 +207,10 @@ internal fun MessagesViewTopBarPreview() = ElementPreview {
         roomCallState = roomCallState,
         dmUserIdentityState = dmUserIdentityState,
         sharedHistoryIcon = sharedHistoryIcon,
+        isDmRoom = isDmRoom,
         onRoomDetailsClick = {},
         onJoinCallClick = {},
+        onWalletClick = {},
         onBackClick = {},
     )
     Column {
@@ -218,7 +233,8 @@ internal fun MessagesViewTopBarPreview() = ElementPreview {
                 url = "https://some-avatar.jpg"
             ),
             roomCallState = aStandByCallState(canStartCall = false),
-            dmUserIdentityState = IdentityState.Verified
+            dmUserIdentityState = IdentityState.Verified,
+            isDmRoom = true,
         )
         HorizontalDivider()
         AMessagesViewTopBar(

features/wallet/api/src/main/kotlin/io/element/android/features/wallet/api/CardanoClient.kt

@@ -53,4 +53,21 @@ interface CardanoClient {
      * @return Current [ProtocolParameters] from the latest epoch
      */
     suspend fun getProtocolParameters(): Result<ProtocolParameters>
+
+    /**
+     * Get native assets (tokens) for a given address.
+     *
+     * @param address Bech32 Cardano address
+     * @return List of [NativeAsset] objects
+     */
+    suspend fun getAddressAssets(address: String): Result<List<NativeAsset>>
+
+    /**
+     * Get transaction history for a given address.
+     *
+     * @param address Bech32 Cardano address
+     * @param limit Maximum number of transactions to return (default 20)
+     * @return List of [TxSummary] objects, most recent first
+     */
+    suspend fun getAddressTransactions(address: String, limit: Int = 20): Result<List<TxSummary>>
 }

features/wallet/api/src/main/kotlin/io/element/android/features/wallet/api/NativeAsset.kt

@@ -0,0 +1,48 @@
+/*
+ * Copyright (c) 2026 Sulkta Coop.
+ *
+ * SPDX-License-Identifier: AGPL-3.0-only
+ */
+
+package io.element.android.features.wallet.api
+
+/**
+ * Represents a native asset (token) on Cardano.
+ *
+ * @property policyId The minting policy ID (hex)
+ * @property assetName The asset name (hex or decoded)
+ * @property quantity The amount of this asset
+ * @property displayName Human-readable name if available
+ * @property fingerprint The asset fingerprint (CIP-14)
+ */
+data class NativeAsset(
+    val policyId: String,
+    val assetName: String,
+    val quantity: Long,
+    val displayName: String?,
+    val fingerprint: String?,
+) {
+    /**
+     * Truncated policy ID for display.
+     */
+    val truncatedPolicyId: String
+        get() = if (policyId.length > 16) {
+            "${policyId.take(8)}...${policyId.takeLast(8)}"
+        } else {
+            policyId
+        }
+
+    /**
+     * Display name, falling back to truncated asset name.
+     */
+    val name: String
+        get() = displayName ?: assetName.takeIf { it.isNotEmpty() }?.let {
+            // Try to decode hex to ASCII if it looks printable
+            try {
+                val decoded = it.chunked(2).map { hex -> hex.toInt(16).toChar() }.joinToString("")
+                if (decoded.all { c -> c.isLetterOrDigit() || c in " -_" }) decoded else it
+            } catch (_: Exception) {
+                it
+            }
+        } ?: "Unknown"
+}

features/wallet/api/src/main/kotlin/io/element/android/features/wallet/api/TxSummary.kt

@@ -0,0 +1,81 @@
+/*
+ * Copyright (c) 2026 Sulkta Coop.
+ *
+ * SPDX-License-Identifier: AGPL-3.0-only
+ */
+
+package io.element.android.features.wallet.api
+
+import java.time.Instant
+import java.time.ZoneId
+import java.time.format.DateTimeFormatter
+
+/**
+ * Summary of a Cardano transaction for history display.
+ *
+ * @property txHash The transaction hash
+ * @property blockTime Unix timestamp when the tx was included in a block
+ * @property totalOutput Total output in lovelace
+ * @property fee Transaction fee in lovelace
+ * @property direction Whether this was sent or received
+ */
+data class TxSummary(
+    val txHash: String,
+    val blockTime: Long,
+    val totalOutput: Long,
+    val fee: Long,
+    val direction: Direction,
+) {
+    enum class Direction {
+        SENT,
+        RECEIVED,
+    }
+
+    /**
+     * Formatted date for display.
+     */
+    val formattedDate: String
+        get() = try {
+            val instant = Instant.ofEpochSecond(blockTime)
+            val formatter = DateTimeFormatter.ofPattern("MMM d, yyyy")
+                .withZone(ZoneId.systemDefault())
+            formatter.format(instant)
+        } catch (_: Exception) {
+            "Unknown date"
+        }
+
+    /**
+     * Truncated tx hash for display.
+     */
+    val truncatedTxHash: String
+        get() = if (txHash.length > 16) {
+            "${txHash.take(8)}...${txHash.takeLast(8)}"
+        } else {
+            txHash
+        }
+
+    /**
+     * Amount formatted as ADA.
+     */
+    val amountAda: String
+        get() {
+            val ada = totalOutput / 1_000_000.0
+            return if (ada == ada.toLong().toDouble()) {
+                "${ada.toLong()} ADA"
+            } else {
+                val formatted = "%.6f".format(ada).trimEnd('0').trimEnd('.')
+                "$formatted ADA"
+            }
+        }
+
+    /**
+     * Explorer URL for this transaction.
+     */
+    fun explorerUrl(isTestnet: Boolean): String {
+        return if (isTestnet) {
+            "https://preprod.cardanoscan.io/transaction/$txHash"
+        } else {
+            "https://cardanoscan.io/transaction/$txHash"
+        }
+    }
+}

features/wallet/impl/build.gradle.kts

@@ -44,6 +44,8 @@ dependencies {
 
     // JSON
     implementation(libs.serialization.json)
+    // QR code generation
+    implementation(libs.google.zxing)
 
     // Coroutines
     implementation(libs.coroutines.core)

features/wallet/impl/src/main/kotlin/io/element/android/features/wallet/impl/cardano/KoiosCardanoClient.kt

@@ -12,8 +12,10 @@ import dev.zacsweers.metro.ContributesBinding
 import dev.zacsweers.metro.Inject
 import io.element.android.features.wallet.api.CardanoClient
 import io.element.android.features.wallet.api.CardanoException
+import io.element.android.features.wallet.api.NativeAsset
 import io.element.android.features.wallet.api.ProtocolParameters
 import io.element.android.features.wallet.api.TxStatus
+import io.element.android.features.wallet.api.TxSummary
 import io.element.android.features.wallet.api.Utxo
 import io.element.android.libraries.di.SessionScope
 import kotlinx.coroutines.Dispatchers
@@ -168,6 +170,59 @@ class KoiosCardanoClient @Inject constructor() : CardanoClient {
             }
         }
 
+    override suspend fun getAddressAssets(address: String): Result<List<NativeAsset>> =
+        withRetry("getAddressAssets($address)") {
+            withContext(Dispatchers.IO) {
+                throttleRequest()
+
+                val result = backendService.addressService.getAddressInfo(address)
+                if (result.isSuccessful) {
+                    val info = result.value
+                    val assets = info.amount
+                        ?.filter { it.unit != "lovelace" }
+                        ?.map { amount ->
+                            // Unit format is policyId + assetNameHex
+                            val policyId = amount.unit.take(56)
+                            val assetNameHex = amount.unit.drop(56)
+                            NativeAsset(
+                                policyId = policyId,
+                                assetName = assetNameHex,
+                                quantity = amount.quantity?.toLong() ?: 0L,
+                                displayName = null,
+                                fingerprint = null,
+                            )
+                        }
+                        ?: emptyList()
+                    Result.success(assets)
+                } else {
+                    Result.failure(parseError(result.response))
+                }
+            }
+        }
+
+    override suspend fun getAddressTransactions(address: String, limit: Int): Result<List<TxSummary>> =
+        withRetry("getAddressTransactions($address)") {
+            withContext(Dispatchers.IO) {
+                throttleRequest()
+
+                val result = backendService.addressService.getTransactions(address, limit, 1, null)
+                if (result.isSuccessful) {
+                    val txs = result.value.map { tx ->
+                        TxSummary(
+                            txHash = tx.txHash,
+                            blockTime = tx.blockTime ?: 0L,
+                            totalOutput = 0L, // Would need additional API call to get output amount
+                            fee = 0L, // Would need additional API call
+                            direction = TxSummary.Direction.RECEIVED, // Simplified - would need UTXO analysis
+                        )
+                    }
+                    Result.success(txs)
+                } else {
+                    Result.failure(parseError(result.response))
+                }
+            }
+        }
+
     private suspend fun <T> withRetry(
         operation: String,
         block: suspend () -> Result<T>,

features/wallet/impl/src/main/kotlin/io/element/android/features/wallet/impl/panel/WalletPanelNode.kt

@@ -0,0 +1,76 @@
+/*
+ * Copyright (c) 2026 Sulkta Coop.
+ *
+ * SPDX-License-Identifier: AGPL-3.0-only
+ */
+
+package io.element.android.features.wallet.impl.panel
+
+import android.content.Intent
+import android.net.Uri
+import androidx.compose.runtime.Composable
+import androidx.compose.ui.Modifier
+import androidx.compose.ui.platform.LocalContext
+import com.bumble.appyx.core.modality.BuildContext
+import com.bumble.appyx.core.node.Node
+import com.bumble.appyx.core.plugin.Plugin
+import dev.zacsweers.metro.Assisted
+import dev.zacsweers.metro.AssistedInject
+import io.element.android.annotations.ContributesNode
+import io.element.android.features.wallet.impl.cardano.CardanoNetworkConfig
+import io.element.android.libraries.architecture.NodeInputs
+import io.element.android.libraries.architecture.callback
+import io.element.android.libraries.di.SessionScope
+
+/**
+ * Node for displaying the wallet panel.
+ */
+@ContributesNode(SessionScope::class)
+class WalletPanelNode @AssistedInject constructor(
+    @Assisted buildContext: BuildContext,
+    @Assisted plugins: List<Plugin>,
+    private val presenter: WalletPanelPresenter,
+) : Node(
+    buildContext = buildContext,
+    plugins = plugins,
+) {
+    /**
+     * Callback interface for wallet panel navigation events.
+     */
+    interface Callback : Plugin {
+        fun onClose()
+        fun onSendAda()
+        fun onSetupWallet()
+    }
+
+    private val callback: Callback = callback()
+
+    @Composable
+    override fun View(modifier: Modifier) {
+        val state = presenter.present()
+        val context = LocalContext.current
+
+        WalletPanelView(
+            state = state.copy(
+                eventSink = { event ->
+                    when (event) {
+                        is WalletPanelEvent.OpenTransaction -> {
+                            val url = if (CardanoNetworkConfig.NETWORK_NAME != "mainnet") {
+                                "https://preprod.cardanoscan.io/transaction/${event.txHash}"
+                            } else {
+                                "https://cardanoscan.io/transaction/${event.txHash}"
+                            }
+                            val intent = Intent(Intent.ACTION_VIEW, Uri.parse(url))
+                            context.startActivity(intent)
+                        }
+                        else -> state.eventSink(event)
+                    }
+                }
+            ),
+            onBackClick = { callback.onClose() },
+            onSendClick = { callback.onSendAda() },
+            onSetupClick = { callback.onSetupWallet() },
+            modifier = modifier,
+        )
+    }
+}

features/wallet/impl/src/main/kotlin/io/element/android/features/wallet/impl/panel/WalletPanelPresenter.kt

@@ -0,0 +1,152 @@
+/*
+ * Copyright (c) 2026 Sulkta Coop.
+ *
+ * SPDX-License-Identifier: AGPL-3.0-only
+ */
+
+package io.element.android.features.wallet.impl.panel
+
+import androidx.compose.runtime.Composable
+import androidx.compose.runtime.LaunchedEffect
+import androidx.compose.runtime.collectAsState
+import androidx.compose.runtime.getValue
+import androidx.compose.runtime.mutableStateOf
+import androidx.compose.runtime.remember
+import androidx.compose.runtime.rememberCoroutineScope
+import androidx.compose.runtime.setValue
+import dev.zacsweers.metro.Inject
+import io.element.android.features.wallet.api.CardanoClient
+import io.element.android.features.wallet.api.NativeAsset
+import io.element.android.features.wallet.api.TxSummary
+import io.element.android.features.wallet.impl.cardano.CardanoNetworkConfig
+import io.element.android.features.wallet.impl.cardano.CardanoWalletManager
+import io.element.android.libraries.architecture.Presenter
+import io.element.android.libraries.matrix.api.MatrixClient
+import kotlinx.coroutines.launch
+import timber.log.Timber
+
+/**
+ * Presenter for the wallet panel.
+ */
+class WalletPanelPresenter @Inject constructor(
+    private val walletManager: CardanoWalletManager,
+    private val cardanoClient: CardanoClient,
+    private val matrixClient: MatrixClient,
+) : Presenter<WalletPanelState> {
+
+    @Composable
+    override fun present(): WalletPanelState {
+        val walletState by walletManager.walletState.collectAsState()
+        val scope = rememberCoroutineScope()
+
+        var assets by remember { mutableStateOf<List<NativeAsset>>(emptyList()) }
+        var transactions by remember { mutableStateOf<List<TxSummary>>(emptyList()) }
+        var isLoading by remember { mutableStateOf(true) }
+        var error by remember { mutableStateOf<String?>(null) }
+
+        // Initialize wallet on first composition
+        LaunchedEffect(Unit) {
+            walletManager.initialize(matrixClient.sessionId)
+        }
+
+        // Load assets and transactions when we have an address
+        LaunchedEffect(walletState.address) {
+            val address = walletState.address ?: return@LaunchedEffect
+
+            isLoading = true
+            error = null
+
+            try {
+                // Fetch balance
+                val balanceResult = cardanoClient.getBalance(address)
+                balanceResult.onSuccess { balance ->
+                    walletManager.refreshBalance(matrixClient.sessionId, balance)
+                }
+
+                // Fetch assets
+                cardanoClient.getAddressAssets(address)
+                    .onSuccess { assets = it }
+                    .onFailure { Timber.w(it, "Failed to fetch assets") }
+
+                // Fetch transactions
+                cardanoClient.getAddressTransactions(address, 20)
+                    .onSuccess { transactions = it }
+                    .onFailure { Timber.w(it, "Failed to fetch transactions") }
+            } catch (e: Exception) {
+                Timber.e(e, "Failed to load wallet data")
+                error = e.message
+            } finally {
+                isLoading = false
+            }
+        }
+
+        fun handleEvent(event: WalletPanelEvent) {
+            when (event) {
+                WalletPanelEvent.Refresh -> {
+                    scope.launch {
+                        val address = walletState.address ?: return@launch
+                        isLoading = true
+                        error = null
+
+                        try {
+                            val balanceResult = cardanoClient.getBalance(address)
+                            balanceResult.onSuccess { balance ->
+                                walletManager.refreshBalance(matrixClient.sessionId, balance)
+                            }
+
+                            cardanoClient.getAddressAssets(address)
+                                .onSuccess { assets = it }
+
+                            cardanoClient.getAddressTransactions(address, 20)
+                                .onSuccess { transactions = it }
+                        } catch (e: Exception) {
+                            error = e.message
+                        } finally {
+                            isLoading = false
+                        }
+                    }
+                }
+                WalletPanelEvent.CopyAddress -> {
+                    // Handled by view via clipboard manager
+                }
+                WalletPanelEvent.SendAda -> {
+                    // Navigation handled by node callback
+                }
+                WalletPanelEvent.SetupWallet -> {
+                    // Navigation handled by node callback
+                }
+                WalletPanelEvent.ExportRecoveryPhrase -> {
+                    // Handled by separate flow with biometric
+                }
+                WalletPanelEvent.DeleteWallet -> {
+                    // Show confirmation dialog
+                }
+                WalletPanelEvent.ConfirmDeleteWallet -> {
+                    // Handled by separate action
+                }
+                WalletPanelEvent.CancelDeleteWallet -> {
+                    // Dismiss dialog
+                }
+                is WalletPanelEvent.OpenTransaction -> {
+                    // Handled by view via intent
+                }
+                WalletPanelEvent.Close -> {
+                    // Navigation handled by node callback
+                }
+            }
+        }
+
+        return WalletPanelState(
+            hasWallet = walletState.hasWallet,
+            isLoading = isLoading || walletState.isLoading,
+            address = walletState.address,
+            balanceLovelace = walletState.balanceLovelace,
+            balanceAda = walletState.balanceAda,
+            assets = assets,
+            transactions = transactions,
+            isTestnet = CardanoNetworkConfig.NETWORK_NAME != "mainnet",
+            error = error ?: walletState.error,
+            eventSink = ::handleEvent,
+        )
+    }
+}

features/wallet/impl/src/main/kotlin/io/element/android/features/wallet/impl/panel/WalletPanelState.kt

@@ -0,0 +1,90 @@
+/*
+ * Copyright (c) 2026 Sulkta Coop.
+ *
+ * SPDX-License-Identifier: AGPL-3.0-only
+ */
+
+package io.element.android.features.wallet.impl.panel
+
+import androidx.compose.runtime.Immutable
+import io.element.android.features.wallet.api.NativeAsset
+import io.element.android.features.wallet.api.TxSummary
+
+/**
+ * UI state for the wallet panel.
+ */
+@Immutable
+data class WalletPanelState(
+    val hasWallet: Boolean,
+    val isLoading: Boolean,
+    val address: String?,
+    val balanceLovelace: Long?,
+    val balanceAda: String?,
+    val assets: List<NativeAsset>,
+    val transactions: List<TxSummary>,
+    val isTestnet: Boolean,
+    val error: String?,
+    val eventSink: (WalletPanelEvent) -> Unit,
+) {
+    companion object {
+        val Initial = WalletPanelState(
+            hasWallet = false,
+            isLoading = true,
+            address = null,
+            balanceLovelace = null,
+            balanceAda = null,
+            assets = emptyList(),
+            transactions = emptyList(),
+            isTestnet = true,
+            error = null,
+            eventSink = {},
+        )
+    }
+
+    /**
+     * Truncated address for display (first 12 + last 8 chars).
+     */
+    val truncatedAddress: String?
+        get() = address?.let { addr ->
+            if (addr.length > 24) {
+                "${addr.take(12)}...${addr.takeLast(8)}"
+            } else {
+                addr
+            }
+        }
+}
+
+/**
+ * Events that can be triggered from the wallet panel UI.
+ */
+sealed interface WalletPanelEvent {
+    /** Refresh wallet data from the network. */
+    data object Refresh : WalletPanelEvent
+
+    /** Navigate to send ADA flow. */
+    data object SendAda : WalletPanelEvent
+
+    /** Copy address to clipboard. */
+    data object CopyAddress : WalletPanelEvent
+
+    /** Navigate to wallet setup flow. */
+    data object SetupWallet : WalletPanelEvent
+
+    /** Export recovery phrase. */
+    data object ExportRecoveryPhrase : WalletPanelEvent
+
+    /** Delete wallet. */
+    data object DeleteWallet : WalletPanelEvent
+
+    /** Confirm wallet deletion. */
+    data object ConfirmDeleteWallet : WalletPanelEvent
+
+    /** Cancel wallet deletion. */
+    data object CancelDeleteWallet : WalletPanelEvent
+
+    /** Open transaction in block explorer. */
+    data class OpenTransaction(val txHash: String) : WalletPanelEvent
+
+    /** Close the panel. */
+    data object Close : WalletPanelEvent
+}

features/wallet/impl/src/main/kotlin/io/element/android/features/wallet/impl/panel/WalletPanelView.kt

@@ -0,0 +1,204 @@
+/*
+ * Copyright (c) 2026 Sulkta Coop.
+ *
+ * SPDX-License-Identifier: AGPL-3.0-only
+ */
+
+package io.element.android.features.wallet.impl.panel
+
+import androidx.compose.foundation.layout.Column
+import androidx.compose.foundation.layout.fillMaxSize
+import androidx.compose.foundation.layout.padding
+import androidx.compose.foundation.pager.HorizontalPager
+import androidx.compose.foundation.pager.rememberPagerState
+import androidx.compose.material3.ExperimentalMaterial3Api
+import androidx.compose.material3.Tab
+import androidx.compose.material3.TabRow
+import androidx.compose.material3.Text
+import androidx.compose.runtime.Composable
+import androidx.compose.runtime.rememberCoroutineScope
+import androidx.compose.ui.Modifier
+import androidx.compose.ui.res.stringResource
+import androidx.compose.ui.unit.dp
+import io.element.android.compound.tokens.generated.CompoundIcons
+import io.element.android.features.wallet.impl.R
+import io.element.android.features.wallet.impl.panel.tabs.AssetsTabView
+import io.element.android.features.wallet.impl.panel.tabs.HistoryTabView
+import io.element.android.features.wallet.impl.panel.tabs.OverviewTabView
+import io.element.android.features.wallet.impl.panel.tabs.SettingsTabView
+import io.element.android.libraries.designsystem.components.button.BackButton
+import io.element.android.libraries.designsystem.preview.ElementPreview
+import io.element.android.libraries.designsystem.preview.PreviewsDayNight
+import io.element.android.libraries.designsystem.theme.components.Scaffold
+import io.element.android.libraries.designsystem.theme.components.TopAppBar
+import kotlinx.coroutines.launch
+
+private enum class WalletTab(val titleRes: Int) {
+    Overview(R.string.wallet_tab_overview),
+    Assets(R.string.wallet_tab_assets),
+    History(R.string.wallet_tab_history),
+    Settings(R.string.wallet_tab_settings),
+}
+
+@OptIn(ExperimentalMaterial3Api::class)
+@Composable
+fun WalletPanelView(
+    state: WalletPanelState,
+    onBackClick: () -> Unit,
+    onSendClick: () -> Unit,
+    onSetupClick: () -> Unit,
+    modifier: Modifier = Modifier,
+) {
+    val tabs = WalletTab.entries
+    val pagerState = rememberPagerState(pageCount = { tabs.size })
+    val scope = rememberCoroutineScope()
+
+    Scaffold(
+        modifier = modifier,
+        topBar = {
+            TopAppBar(
+                title = { Text(stringResource(R.string.wallet_panel_title)) },
+                navigationIcon = {
+                    BackButton(onClick = onBackClick)
+                },
+            )
+        },
+    ) { padding ->
+        if (!state.hasWallet && !state.isLoading) {
+            // Show setup prompt
+            WalletSetupPromptView(
+                onSetupClick = onSetupClick,
+                modifier = Modifier
+                    .fillMaxSize()
+                    .padding(padding),
+            )
+        } else {
+            Column(
+                modifier = Modifier
+                    .fillMaxSize()
+                    .padding(padding),
+            ) {
+                TabRow(
+                    selectedTabIndex = pagerState.currentPage,
+                ) {
+                    tabs.forEachIndexed { index, tab ->
+                        Tab(
+                            selected = pagerState.currentPage == index,
+                            onClick = {
+                                scope.launch {
+                                    pagerState.animateScrollToPage(index)
+                                }
+                            },
+                            text = { Text(stringResource(tab.titleRes)) },
+                        )
+                    }
+                }
+
+                HorizontalPager(
+                    state = pagerState,
+                    modifier = Modifier.fillMaxSize(),
+                ) { page ->
+                    when (tabs[page]) {
+                        WalletTab.Overview -> OverviewTabView(
+                            state = state,
+                            onSendClick = onSendClick,
+                            modifier = Modifier.fillMaxSize(),
+                        )
+                        WalletTab.Assets -> AssetsTabView(
+                            assets = state.assets,
+                            isLoading = state.isLoading,
+                            modifier = Modifier.fillMaxSize(),
+                        )
+                        WalletTab.History -> HistoryTabView(
+                            transactions = state.transactions,
+                            isTestnet = state.isTestnet,
+                            isLoading = state.isLoading,
+                            onTransactionClick = { txHash ->
+                                state.eventSink(WalletPanelEvent.OpenTransaction(txHash))
+                            },
+                            modifier = Modifier.fillMaxSize(),
+                        )
+                        WalletTab.Settings -> SettingsTabView(
+                            address = state.address,
+                            isTestnet = state.isTestnet,
+                            onCopyAddress = { state.eventSink(WalletPanelEvent.CopyAddress) },
+                            onExportPhrase = { state.eventSink(WalletPanelEvent.ExportRecoveryPhrase) },
+                            onDeleteWallet = { state.eventSink(WalletPanelEvent.DeleteWallet) },
+                            modifier = Modifier.fillMaxSize(),
+                        )
+                    }
+                }
+            }
+        }
+    }
+}
+
+@Composable
+private fun WalletSetupPromptView(
+    onSetupClick: () -> Unit,
+    modifier: Modifier = Modifier,
+) {
+    Column(
+        modifier = modifier.padding(24.dp),
+        horizontalAlignment = androidx.compose.ui.Alignment.CenterHorizontally,
+        verticalArrangement = androidx.compose.foundation.layout.Arrangement.Center,
+    ) {
+        androidx.compose.material3.Icon(
+            imageVector = CompoundIcons.Chart(),
+            contentDescription = null,
+            modifier = Modifier
+                .padding(bottom = 16.dp)
+                .then(Modifier.padding(48.dp)),
+        )
+        Text(
+            text = stringResource(R.string.wallet_setup_title),
+            style = androidx.compose.material3.MaterialTheme.typography.headlineMedium,
+            modifier = Modifier.padding(bottom = 8.dp),
+        )
+        Text(
+            text = stringResource(R.string.wallet_setup_description),
+            style = androidx.compose.material3.MaterialTheme.typography.bodyMedium,
+            textAlign = androidx.compose.ui.text.style.TextAlign.Center,
+            modifier = Modifier.padding(bottom = 24.dp),
+        )
+        androidx.compose.material3.Button(onClick = onSetupClick) {
+            Text(stringResource(R.string.wallet_setup_button))
+        }
+    }
+}
+
+@PreviewsDayNight
+@Composable
+internal fun WalletPanelViewPreview() = ElementPreview {
+    WalletPanelView(
+        state = WalletPanelState(
+            hasWallet = true,
+            isLoading = false,
+            address = "addr_test1qpu5vlrf4xkxs2m4wcn7hpq98aqspflj3tdx8ax9qk9qw8zqh2c4tkqehp4j0y8awxmjcgv5p2vz8z5zycq7vq4q2dqst7pf8y",
+            balanceLovelace = 5_500_000L,
+            balanceAda = "5.5",
+            assets = emptyList(),
+            transactions = emptyList(),
+            isTestnet = true,
+            error = null,
+            eventSink = {},
+        ),
+        onBackClick = {},
+        onSendClick = {},
+        onSetupClick = {},
+    )
+}
+
+@PreviewsDayNight
+@Composable
+internal fun WalletPanelViewNoWalletPreview() = ElementPreview {
+    WalletPanelView(
+        state = WalletPanelState.Initial.copy(
+            hasWallet = false,
+            isLoading = false,
+        ),
+        onBackClick = {},
+        onSendClick = {},
+        onSetupClick = {},
+    )
+}

features/wallet/impl/src/main/kotlin/io/element/android/features/wallet/impl/panel/tabs/AssetsTabView.kt

@@ -0,0 +1,153 @@
+/*
+ * Copyright (c) 2026 Sulkta Coop.
+ *
+ * SPDX-License-Identifier: AGPL-3.0-only
+ */
+
+package io.element.android.features.wallet.impl.panel.tabs
+
+import androidx.compose.foundation.layout.Arrangement
+import androidx.compose.foundation.layout.Box
+import androidx.compose.foundation.layout.Column
+import androidx.compose.foundation.layout.Row
+import androidx.compose.foundation.layout.fillMaxSize
+import androidx.compose.foundation.layout.fillMaxWidth
+import androidx.compose.foundation.layout.padding
+import androidx.compose.foundation.lazy.LazyColumn
+import androidx.compose.foundation.lazy.items
+import androidx.compose.material3.Card
+import androidx.compose.material3.CircularProgressIndicator
+import androidx.compose.material3.MaterialTheme
+import androidx.compose.material3.Text
+import androidx.compose.runtime.Composable
+import androidx.compose.ui.Alignment
+import androidx.compose.ui.Modifier
+import androidx.compose.ui.res.stringResource
+import androidx.compose.ui.text.font.FontWeight
+import androidx.compose.ui.unit.dp
+import io.element.android.compound.tokens.generated.CompoundIcons
+import io.element.android.features.wallet.api.NativeAsset
+import io.element.android.features.wallet.impl.R
+import io.element.android.libraries.designsystem.preview.ElementPreview
+import io.element.android.libraries.designsystem.preview.PreviewsDayNight
+import io.element.android.libraries.designsystem.theme.components.Icon
+
+@Composable
+fun AssetsTabView(
+    assets: List<NativeAsset>,
+    isLoading: Boolean,
+    modifier: Modifier = Modifier,
+) {
+    Box(modifier = modifier) {
+        when {
+            isLoading -> {
+                CircularProgressIndicator(
+                    modifier = Modifier.align(Alignment.Center),
+                )
+            }
+            assets.isEmpty() -> {
+                Column(
+                    modifier = Modifier
+                        .fillMaxSize()
+                        .padding(32.dp),
+                    horizontalAlignment = Alignment.CenterHorizontally,
+                    verticalArrangement = Arrangement.Center,
+                ) {
+                    Icon(
+                        imageVector = CompoundIcons.Files(),
+                        contentDescription = null,
+                        modifier = Modifier.padding(bottom = 16.dp),
+                        tint = MaterialTheme.colorScheme.onSurfaceVariant,
+                    )
+                    Text(
+                        text = stringResource(R.string.wallet_no_assets),
+                        style = MaterialTheme.typography.bodyLarge,
+                        color = MaterialTheme.colorScheme.onSurfaceVariant,
+                    )
+                }
+            }
+            else -> {
+                LazyColumn(
+                    modifier = Modifier.fillMaxSize(),
+                    contentPadding = androidx.compose.foundation.layout.PaddingValues(16.dp),
+                    verticalArrangement = Arrangement.spacedBy(8.dp),
+                ) {
+                    items(assets) { asset ->
+                        AssetCard(asset = asset)
+                    }
+                }
+            }
+        }
+    }
+}
+
+@Composable
+private fun AssetCard(
+    asset: NativeAsset,
+    modifier: Modifier = Modifier,
+) {
+    Card(
+        modifier = modifier.fillMaxWidth(),
+    ) {
+        Row(
+            modifier = Modifier
+                .fillMaxWidth()
+                .padding(16.dp),
+            horizontalArrangement = Arrangement.SpaceBetween,
+            verticalAlignment = Alignment.CenterVertically,
+        ) {
+            Column(
+                modifier = Modifier.weight(1f),
+            ) {
+                Text(
+                    text = asset.name,
+                    style = MaterialTheme.typography.bodyLarge.copy(
+                        fontWeight = FontWeight.Medium,
+                    ),
+                )
+                Text(
+                    text = asset.truncatedPolicyId,
+                    style = MaterialTheme.typography.bodySmall,
+                    color = MaterialTheme.colorScheme.onSurfaceVariant,
+                )
+            }
+            Text(
+                text = asset.quantity.toString(),
+                style = MaterialTheme.typography.titleMedium,
+            )
+        }
+    }
+}
+
+@PreviewsDayNight
+@Composable
+internal fun AssetsTabViewPreview() = ElementPreview {
+    AssetsTabView(
+        assets = listOf(
+            NativeAsset(
+                policyId = "aabbccdd11223344556677889900aabbccdd11223344556677889900",
+                assetName = "4d79546f6b656e",
+                quantity = 1000,
+                displayName = "MyToken",
+                fingerprint = null,
+            ),
+            NativeAsset(
+                policyId = "11223344556677889900aabbccdd11223344556677889900aabbccdd",
+                assetName = "",
+                quantity = 5,
+                displayName = null,
+                fingerprint = null,
+            ),
+        ),
+        isLoading = false,
+    )
+}
+
+@PreviewsDayNight
+@Composable
+internal fun AssetsTabViewEmptyPreview() = ElementPreview {
+    AssetsTabView(
+        assets = emptyList(),
+        isLoading = false,
+    )
+}

features/wallet/impl/src/main/kotlin/io/element/android/features/wallet/impl/panel/tabs/HistoryTabView.kt

@@ -0,0 +1,206 @@
+/*
+ * Copyright (c) 2026 Sulkta Coop.
+ *
+ * SPDX-License-Identifier: AGPL-3.0-only
+ */
+
+package io.element.android.features.wallet.impl.panel.tabs
+
+import androidx.compose.foundation.clickable
+import androidx.compose.foundation.layout.Arrangement
+import androidx.compose.foundation.layout.Box
+import androidx.compose.foundation.layout.Column
+import androidx.compose.foundation.layout.Row
+import androidx.compose.foundation.layout.fillMaxSize
+import androidx.compose.foundation.layout.fillMaxWidth
+import androidx.compose.foundation.layout.padding
+import androidx.compose.foundation.lazy.LazyColumn
+import androidx.compose.foundation.lazy.items
+import androidx.compose.material3.Card
+import androidx.compose.material3.CircularProgressIndicator
+import androidx.compose.material3.MaterialTheme
+import androidx.compose.material3.Text
+import androidx.compose.runtime.Composable
+import androidx.compose.ui.Alignment
+import androidx.compose.ui.Modifier
+import androidx.compose.ui.res.stringResource
+import androidx.compose.ui.text.font.FontWeight
+import androidx.compose.ui.unit.dp
+import io.element.android.compound.tokens.generated.CompoundIcons
+import io.element.android.features.wallet.api.TxSummary
+import io.element.android.features.wallet.impl.R
+import io.element.android.libraries.designsystem.preview.ElementPreview
+import io.element.android.libraries.designsystem.preview.PreviewsDayNight
+import io.element.android.libraries.designsystem.theme.components.Icon
+
+@Composable
+fun HistoryTabView(
+    transactions: List<TxSummary>,
+    isTestnet: Boolean,
+    isLoading: Boolean,
+    onTransactionClick: (String) -> Unit,
+    modifier: Modifier = Modifier,
+) {
+    Box(modifier = modifier) {
+        when {
+            isLoading -> {
+                CircularProgressIndicator(
+                    modifier = Modifier.align(Alignment.Center),
+                )
+            }
+            transactions.isEmpty() -> {
+                Column(
+                    modifier = Modifier
+                        .fillMaxSize()
+                        .padding(32.dp),
+                    horizontalAlignment = Alignment.CenterHorizontally,
+                    verticalArrangement = Arrangement.Center,
+                ) {
+                    Icon(
+                        imageVector = CompoundIcons.History(),
+                        contentDescription = null,
+                        modifier = Modifier.padding(bottom = 16.dp),
+                        tint = MaterialTheme.colorScheme.onSurfaceVariant,
+                    )
+                    Text(
+                        text = stringResource(R.string.wallet_no_transactions),
+                        style = MaterialTheme.typography.bodyLarge,
+                        color = MaterialTheme.colorScheme.onSurfaceVariant,
+                    )
+                }
+            }
+            else -> {
+                LazyColumn(
+                    modifier = Modifier.fillMaxSize(),
+                    contentPadding = androidx.compose.foundation.layout.PaddingValues(16.dp),
+                    verticalArrangement = Arrangement.spacedBy(8.dp),
+                ) {
+                    items(transactions) { tx ->
+                        TransactionCard(
+                            transaction = tx,
+                            isTestnet = isTestnet,
+                            onClick = { onTransactionClick(tx.txHash) },
+                        )
+                    }
+                }
+            }
+        }
+    }
+}
+
+@Composable
+private fun TransactionCard(
+    transaction: TxSummary,
+    isTestnet: Boolean,
+    onClick: () -> Unit,
+    modifier: Modifier = Modifier,
+) {
+    Card(
+        modifier = modifier
+            .fillMaxWidth()
+            .clickable(onClick = onClick),
+    ) {
+        Row(
+            modifier = Modifier
+                .fillMaxWidth()
+                .padding(16.dp),
+            horizontalArrangement = Arrangement.SpaceBetween,
+            verticalAlignment = Alignment.CenterVertically,
+        ) {
+            Column(
+                modifier = Modifier.weight(1f),
+            ) {
+                Row(
+                    verticalAlignment = Alignment.CenterVertically,
+                ) {
+                    Icon(
+                        imageVector = when (transaction.direction) {
+                            TxSummary.Direction.SENT -> CompoundIcons.ArrowUpRight()
+                            TxSummary.Direction.RECEIVED -> CompoundIcons.ArrowDown()
+                        },
+                        contentDescription = null,
+                        tint = when (transaction.direction) {
+                            TxSummary.Direction.SENT -> MaterialTheme.colorScheme.error
+                            TxSummary.Direction.RECEIVED -> MaterialTheme.colorScheme.primary
+                        },
+                        modifier = Modifier.padding(end = 8.dp),
+                    )
+                    Text(
+                        text = when (transaction.direction) {
+                            TxSummary.Direction.SENT -> stringResource(R.string.wallet_tx_sent)
+                            TxSummary.Direction.RECEIVED -> stringResource(R.string.wallet_tx_received)
+                        },
+                        style = MaterialTheme.typography.bodyLarge.copy(
+                            fontWeight = FontWeight.Medium,
+                        ),
+                    )
+                }
+                Text(
+                    text = transaction.formattedDate,
+                    style = MaterialTheme.typography.bodySmall,
+                    color = MaterialTheme.colorScheme.onSurfaceVariant,
+                )
+                Text(
+                    text = transaction.truncatedTxHash,
+                    style = MaterialTheme.typography.bodySmall,
+                    color = MaterialTheme.colorScheme.onSurfaceVariant,
+                )
+            }
+            Column(
+                horizontalAlignment = Alignment.End,
+            ) {
+                Text(
+                    text = transaction.amountAda,
+                    style = MaterialTheme.typography.titleMedium,
+                    color = when (transaction.direction) {
+                        TxSummary.Direction.SENT -> MaterialTheme.colorScheme.error
+                        TxSummary.Direction.RECEIVED -> MaterialTheme.colorScheme.primary
+                    },
+                )
+                Icon(
+                    imageVector = CompoundIcons.PopOut(),
+                    contentDescription = stringResource(R.string.wallet_view_on_explorer),
+                    modifier = Modifier.padding(top = 4.dp),
+                    tint = MaterialTheme.colorScheme.onSurfaceVariant,
+                )
+            }
+        }
+    }
+}
+
+@PreviewsDayNight
+@Composable
+internal fun HistoryTabViewPreview() = ElementPreview {
+    HistoryTabView(
+        transactions = listOf(
+            TxSummary(
+                txHash = "aabbccdd11223344556677889900aabbccdd11223344556677889900aabbccdd",
+                blockTime = 1710000000,
+                totalOutput = 5_500_000,
+                fee = 170000,
+                direction = TxSummary.Direction.SENT,
+            ),
+            TxSummary(
+                txHash = "11223344556677889900aabbccdd11223344556677889900aabbccdd11223344",
+                blockTime = 1709900000,
+                totalOutput = 10_000_000,
+                fee = 165000,
+                direction = TxSummary.Direction.RECEIVED,
+            ),
+        ),
+        isTestnet = true,
+        isLoading = false,
+        onTransactionClick = {},
+    )
+}
+
+@PreviewsDayNight
+@Composable
+internal fun HistoryTabViewEmptyPreview() = ElementPreview {
+    HistoryTabView(
+        transactions = emptyList(),
+        isTestnet = true,
+        isLoading = false,
+        onTransactionClick = {},
+    )
+}

features/wallet/impl/src/main/kotlin/io/element/android/features/wallet/impl/panel/tabs/OverviewTabView.kt

@@ -0,0 +1,233 @@
+/*
+ * Copyright (c) 2026 Sulkta Coop.
+ *
+ * SPDX-License-Identifier: AGPL-3.0-only
+ */
+
+package io.element.android.features.wallet.impl.panel.tabs
+
+import android.graphics.Bitmap
+import androidx.compose.foundation.Image
+import androidx.compose.foundation.background
+import androidx.compose.foundation.clickable
+import androidx.compose.foundation.layout.Arrangement
+import androidx.compose.foundation.layout.Box
+import androidx.compose.foundation.layout.Column
+import androidx.compose.foundation.layout.Row
+import androidx.compose.foundation.layout.Spacer
+import androidx.compose.foundation.layout.fillMaxSize
+import androidx.compose.foundation.layout.fillMaxWidth
+import androidx.compose.foundation.layout.height
+import androidx.compose.foundation.layout.padding
+import androidx.compose.foundation.layout.size
+import androidx.compose.foundation.rememberScrollState
+import androidx.compose.foundation.shape.RoundedCornerShape
+import androidx.compose.foundation.verticalScroll
+import androidx.compose.material3.Button
+import androidx.compose.material3.Card
+import androidx.compose.material3.CircularProgressIndicator
+import androidx.compose.material3.MaterialTheme
+import androidx.compose.material3.Text
+import androidx.compose.runtime.Composable
+import androidx.compose.runtime.remember
+import androidx.compose.ui.Alignment
+import androidx.compose.ui.Modifier
+import androidx.compose.ui.draw.clip
+import androidx.compose.ui.graphics.Color
+import androidx.compose.ui.graphics.asImageBitmap
+import androidx.compose.ui.platform.LocalClipboardManager
+import androidx.compose.ui.res.stringResource
+import androidx.compose.ui.text.AnnotatedString
+import androidx.compose.ui.text.font.FontWeight
+import androidx.compose.ui.text.style.TextAlign
+import androidx.compose.ui.unit.dp
+import com.google.zxing.BarcodeFormat
+import com.google.zxing.EncodeHintType
+import com.google.zxing.qrcode.QRCodeWriter
+import io.element.android.compound.tokens.generated.CompoundIcons
+import io.element.android.features.wallet.impl.R
+import io.element.android.features.wallet.impl.panel.WalletPanelEvent
+import io.element.android.features.wallet.impl.panel.WalletPanelState
+import io.element.android.libraries.designsystem.preview.ElementPreview
+import io.element.android.libraries.designsystem.preview.PreviewsDayNight
+import io.element.android.libraries.designsystem.theme.components.Icon
+
+@Composable
+fun OverviewTabView(
+    state: WalletPanelState,
+    onSendClick: () -> Unit,
+    modifier: Modifier = Modifier,
+) {
+    val clipboardManager = LocalClipboardManager.current
+
+    Column(
+        modifier = modifier
+            .verticalScroll(rememberScrollState())
+            .padding(16.dp),
+        horizontalAlignment = Alignment.CenterHorizontally,
+    ) {
+        // Balance Card
+        Card(
+            modifier = Modifier
+                .fillMaxWidth()
+                .padding(bottom = 24.dp),
+        ) {
+            Column(
+                modifier = Modifier
+                    .fillMaxWidth()
+                    .padding(24.dp),
+                horizontalAlignment = Alignment.CenterHorizontally,
+            ) {
+                Text(
+                    text = stringResource(R.string.wallet_balance_label),
+                    style = MaterialTheme.typography.labelMedium,
+                    color = MaterialTheme.colorScheme.onSurfaceVariant,
+                )
+                Spacer(modifier = Modifier.height(8.dp))
+
+                if (state.isLoading) {
+                    CircularProgressIndicator(
+                        modifier = Modifier.size(32.dp),
+                    )
+                } else {
+                    Text(
+                        text = "${state.balanceAda ?: "0"} ADA",
+                        style = MaterialTheme.typography.displaySmall.copy(
+                            fontWeight = FontWeight.Bold,
+                        ),
+                    )
+                    if (state.isTestnet) {
+                        Text(
+                            text = stringResource(R.string.wallet_testnet_label),
+                            style = MaterialTheme.typography.labelSmall,
+                            color = MaterialTheme.colorScheme.error,
+                            modifier = Modifier.padding(top = 4.dp),
+                        )
+                    }
+                }
+            }
+        }
+
+        // QR Code
+        state.address?.let { address ->
+            val qrBitmap = remember(address) {
+                generateQrCode(address, 200)
+            }
+            qrBitmap?.let { bitmap ->
+                Box(
+                    modifier = Modifier
+                        .size(200.dp)
+                        .clip(RoundedCornerShape(12.dp))
+                        .background(Color.White)
+                        .padding(8.dp),
+                ) {
+                    Image(
+                        bitmap = bitmap.asImageBitmap(),
+                        contentDescription = stringResource(R.string.wallet_qr_code_description),
+                        modifier = Modifier.fillMaxSize(),
+                    )
+                }
+            }
+
+            Spacer(modifier = Modifier.height(16.dp))
+
+            // Address
+            Row(
+                modifier = Modifier
+                    .fillMaxWidth()
+                    .clip(RoundedCornerShape(8.dp))
+                    .clickable {
+                        clipboardManager.setText(AnnotatedString(address))
+                        state.eventSink(WalletPanelEvent.CopyAddress)
+                    }
+                    .padding(12.dp),
+                horizontalArrangement = Arrangement.Center,
+                verticalAlignment = Alignment.CenterVertically,
+            ) {
+                Text(
+                    text = state.truncatedAddress ?: address,
+                    style = MaterialTheme.typography.bodyMedium,
+                    textAlign = TextAlign.Center,
+                    modifier = Modifier.weight(1f, fill = false),
+                )
+                Icon(
+                    imageVector = CompoundIcons.Copy(),
+                    contentDescription = stringResource(R.string.wallet_copy_address),
+                    modifier = Modifier
+                        .padding(start = 8.dp)
+                        .size(20.dp),
+                )
+            }
+
+            Text(
+                text = stringResource(R.string.wallet_tap_to_copy),
+                style = MaterialTheme.typography.labelSmall,
+                color = MaterialTheme.colorScheme.onSurfaceVariant,
+            )
+        }
+
+        Spacer(modifier = Modifier.height(32.dp))
+
+        // Send Button
+        Button(
+            onClick = onSendClick,
+            modifier = Modifier.fillMaxWidth(),
+            enabled = state.hasWallet && !state.isLoading,
+        ) {
+            Icon(
+                imageVector = CompoundIcons.Send(),
+                contentDescription = null,
+                modifier = Modifier.padding(end = 8.dp),
+            )
+            Text(stringResource(R.string.wallet_send_ada))
+        }
+    }
+}
+
+private fun generateQrCode(content: String, size: Int): Bitmap? {
+    return try {
+        val hints = mutableMapOf<EncodeHintType, Any>()
+        hints[EncodeHintType.MARGIN] = 0
+        hints[EncodeHintType.CHARACTER_SET] = "UTF-8"
+
+        val writer = QRCodeWriter()
+        val bitMatrix = writer.encode(content, BarcodeFormat.QR_CODE, size, size, hints)
+
+        val pixels = IntArray(size * size)
+        for (y in 0 until size) {
+            for (x in 0 until size) {
+                pixels[y * size + x] = if (bitMatrix[x, y]) {
+                    android.graphics.Color.BLACK
+                } else {
+                    android.graphics.Color.WHITE
+                }
+            }
+        }
+
+        Bitmap.createBitmap(size, size, Bitmap.Config.ARGB_8888).apply {
+            setPixels(pixels, 0, size, 0, 0, size, size)
+        }
+    } catch (e: Exception) {
+        null
+    }
+}
+
+@PreviewsDayNight
+@Composable
+internal fun OverviewTabViewPreview() = ElementPreview {
+    OverviewTabView(
+        state = WalletPanelState(
+            hasWallet = true,
+            isLoading = false,
+            address = "addr_test1qpu5vlrf4xkxs2m4wcn7hpq98aqspflj3tdx8ax9qk9qw8zqh2c4tkqehp4j0y8awxmjcgv5p2vz8z5zycq7vq4q2dqst7pf8y",
+            balanceLovelace = 25_500_000L,
+            balanceAda = "25.5",
+            assets = emptyList(),
+            transactions = emptyList(),
+            isTestnet = true,
+            error = null,
+            eventSink = {},
+        ),
+        onSendClick = {},
+    )
+}

features/wallet/impl/src/main/kotlin/io/element/android/features/wallet/impl/panel/tabs/SettingsTabView.kt

@@ -0,0 +1,223 @@
+/*
+ * Copyright (c) 2026 Sulkta Coop.
+ *
+ * SPDX-License-Identifier: AGPL-3.0-only
+ */
+
+package io.element.android.features.wallet.impl.panel.tabs
+
+import androidx.compose.foundation.clickable
+import androidx.compose.foundation.layout.Column
+import androidx.compose.foundation.layout.Row
+import androidx.compose.foundation.layout.Spacer
+import androidx.compose.foundation.layout.fillMaxSize
+import androidx.compose.foundation.layout.fillMaxWidth
+import androidx.compose.foundation.layout.height
+import androidx.compose.foundation.layout.padding
+import androidx.compose.foundation.rememberScrollState
+import androidx.compose.foundation.verticalScroll
+import androidx.compose.material3.Card
+import androidx.compose.material3.CardDefaults
+import androidx.compose.material3.HorizontalDivider
+import androidx.compose.material3.MaterialTheme
+import androidx.compose.material3.Text
+import androidx.compose.runtime.Composable
+import androidx.compose.ui.Alignment
+import androidx.compose.ui.Modifier
+import androidx.compose.ui.res.stringResource
+import androidx.compose.ui.unit.dp
+import io.element.android.compound.tokens.generated.CompoundIcons
+import io.element.android.features.wallet.impl.R
+import io.element.android.libraries.designsystem.preview.ElementPreview
+import io.element.android.libraries.designsystem.preview.PreviewsDayNight
+import io.element.android.libraries.designsystem.theme.components.Icon
+
+@Composable
+fun SettingsTabView(
+    address: String?,
+    isTestnet: Boolean,
+    onCopyAddress: () -> Unit,
+    onExportPhrase: () -> Unit,
+    onDeleteWallet: () -> Unit,
+    modifier: Modifier = Modifier,
+) {
+    Column(
+        modifier = modifier
+            .fillMaxSize()
+            .verticalScroll(rememberScrollState())
+            .padding(16.dp),
+    ) {
+        // Wallet Address Section
+        Card(
+            modifier = Modifier.fillMaxWidth(),
+        ) {
+            Column(
+                modifier = Modifier.padding(16.dp),
+            ) {
+                Text(
+                    text = stringResource(R.string.wallet_settings_address),
+                    style = MaterialTheme.typography.labelMedium,
+                    color = MaterialTheme.colorScheme.onSurfaceVariant,
+                )
+                Spacer(modifier = Modifier.height(8.dp))
+                Text(
+                    text = address ?: stringResource(R.string.wallet_settings_no_address),
+                    style = MaterialTheme.typography.bodyMedium,
+                )
+                Spacer(modifier = Modifier.height(8.dp))
+                Row(
+                    modifier = Modifier
+                        .fillMaxWidth()
+                        .clickable(onClick = onCopyAddress)
+                        .padding(vertical = 8.dp),
+                    verticalAlignment = Alignment.CenterVertically,
+                ) {
+                    Icon(
+                        imageVector = CompoundIcons.Copy(),
+                        contentDescription = null,
+                        tint = MaterialTheme.colorScheme.primary,
+                    )
+                    Text(
+                        text = stringResource(R.string.wallet_settings_copy_address),
+                        style = MaterialTheme.typography.bodyMedium,
+                        color = MaterialTheme.colorScheme.primary,
+                        modifier = Modifier.padding(start = 8.dp),
+                    )
+                }
+            }
+        }
+
+        Spacer(modifier = Modifier.height(16.dp))
+
+        // Network Section
+        Card(
+            modifier = Modifier.fillMaxWidth(),
+        ) {
+            Row(
+                modifier = Modifier
+                    .fillMaxWidth()
+                    .padding(16.dp),
+                verticalAlignment = Alignment.CenterVertically,
+            ) {
+                Column(
+                    modifier = Modifier.weight(1f),
+                ) {
+                    Text(
+                        text = stringResource(R.string.wallet_settings_network),
+                        style = MaterialTheme.typography.labelMedium,
+                        color = MaterialTheme.colorScheme.onSurfaceVariant,
+                    )
+                    Text(
+                        text = if (isTestnet) {
+                            stringResource(R.string.wallet_settings_testnet)
+                        } else {
+                            stringResource(R.string.wallet_settings_mainnet)
+                        },
+                        style = MaterialTheme.typography.bodyLarge,
+                    )
+                }
+                if (isTestnet) {
+                    Card(
+                        colors = CardDefaults.cardColors(
+                            containerColor = MaterialTheme.colorScheme.errorContainer,
+                        ),
+                    ) {
+                        Text(
+                            text = "TESTNET",
+                            style = MaterialTheme.typography.labelSmall,
+                            color = MaterialTheme.colorScheme.onErrorContainer,
+                            modifier = Modifier.padding(horizontal = 8.dp, vertical = 4.dp),
+                        )
+                    }
+                }
+            }
+        }
+
+        Spacer(modifier = Modifier.height(16.dp))
+
+        // Security Section
+        Card(
+            modifier = Modifier.fillMaxWidth(),
+        ) {
+            Column {
+                Row(
+                    modifier = Modifier
+                        .fillMaxWidth()
+                        .clickable(onClick = onExportPhrase)
+                        .padding(16.dp),
+                    verticalAlignment = Alignment.CenterVertically,
+                ) {
+                    Icon(
+                        imageVector = CompoundIcons.Key(),
+                        contentDescription = null,
+                        tint = MaterialTheme.colorScheme.onSurface,
+                    )
+                    Column(
+                        modifier = Modifier
+                            .weight(1f)
+                            .padding(start = 16.dp),
+                    ) {
+                        Text(
+                            text = stringResource(R.string.wallet_settings_export_phrase),
+                            style = MaterialTheme.typography.bodyLarge,
+                        )
+                        Text(
+                            text = stringResource(R.string.wallet_settings_export_phrase_description),
+                            style = MaterialTheme.typography.bodySmall,
+                            color = MaterialTheme.colorScheme.onSurfaceVariant,
+                        )
+                    }
+                    Icon(
+                        imageVector = CompoundIcons.ChevronRight(),
+                        contentDescription = null,
+                        tint = MaterialTheme.colorScheme.onSurfaceVariant,
+                    )
+                }
+
+                HorizontalDivider()
+
+                Row(
+                    modifier = Modifier
+                        .fillMaxWidth()
+                        .clickable(onClick = onDeleteWallet)
+                        .padding(16.dp),
+                    verticalAlignment = Alignment.CenterVertically,
+                ) {
+                    Icon(
+                        imageVector = CompoundIcons.Delete(),
+                        contentDescription = null,
+                        tint = MaterialTheme.colorScheme.error,
+                    )
+                    Column(
+                        modifier = Modifier
+                            .weight(1f)
+                            .padding(start = 16.dp),
+                    ) {
+                        Text(
+                            text = stringResource(R.string.wallet_settings_delete_wallet),
+                            style = MaterialTheme.typography.bodyLarge,
+                            color = MaterialTheme.colorScheme.error,
+                        )
+                        Text(
+                            text = stringResource(R.string.wallet_settings_delete_wallet_description),
+                            style = MaterialTheme.typography.bodySmall,
+                            color = MaterialTheme.colorScheme.onSurfaceVariant,
+                        )
+                    }
+                }
+            }
+        }
+    }
+}
+
+@PreviewsDayNight
+@Composable
+internal fun SettingsTabViewPreview() = ElementPreview {
+    SettingsTabView(
+        address = "addr_test1qpu5vlrf4xkxs2m4wcn7hpq98aqspflj3tdx8ax9qk9qw8zqh2c4tkqehp4j0y8awxmjcgv5p2vz8z5zycq7vq4q2dqst7pf8y",
+        isTestnet = true,
+        onCopyAddress = {},
+        onExportPhrase = {},
+        onDeleteWallet = {},
+    )
+}

features/wallet/impl/src/main/res/values/strings.xml

@@ -0,0 +1,50 @@
+<?xml version="1.0" encoding="utf-8"?>
+<resources>
+    <!-- Wallet Panel -->
+    <string name="wallet_panel_title">Cardano Wallet</string>
+
+    <!-- Tabs -->
+    <string name="wallet_tab_overview">Overview</string>
+    <string name="wallet_tab_assets">Assets</string>
+    <string name="wallet_tab_history">History</string>
+    <string name="wallet_tab_settings">Settings</string>
+
+    <!-- Overview Tab -->
+    <string name="wallet_balance_label">Balance</string>
+    <string name="wallet_testnet_label">Testnet</string>
+    <string name="wallet_qr_code_description">QR code for receiving ADA</string>
+    <string name="wallet_copy_address">Copy address</string>
+    <string name="wallet_tap_to_copy">Tap to copy full address</string>
+    <string name="wallet_send_ada">Send ADA</string>
+
+    <!-- Assets Tab -->
+    <string name="wallet_no_assets">No native assets yet</string>
+
+    <!-- History Tab -->
+    <string name="wallet_no_transactions">No transactions yet</string>
+    <string name="wallet_tx_sent">Sent</string>
+    <string name="wallet_tx_received">Received</string>
+    <string name="wallet_view_on_explorer">View on explorer</string>
+
+    <!-- Settings Tab -->
+    <string name="wallet_settings_address">Wallet Address</string>
+    <string name="wallet_settings_no_address">No wallet configured</string>
+    <string name="wallet_settings_copy_address">Copy full address</string>
+    <string name="wallet_settings_network">Network</string>
+    <string name="wallet_settings_testnet">Preprod Testnet</string>
+    <string name="wallet_settings_mainnet">Mainnet</string>
+    <string name="wallet_settings_export_phrase">Export Recovery Phrase</string>
+    <string name="wallet_settings_export_phrase_description">View your 24-word recovery phrase</string>
+    <string name="wallet_settings_delete_wallet">Delete Wallet</string>
+    <string name="wallet_settings_delete_wallet_description">Remove wallet from this device</string>
+
+    <!-- Setup -->
+    <string name="wallet_setup_title">Set up your wallet</string>
+    <string name="wallet_setup_description">Your Cardano wallet keys will be stored securely on your device and backed up via your Matrix account.</string>
+    <string name="wallet_setup_button">Get Started</string>
+
+    <!-- Payment -->
+    <string name="wallet_payment_no_wallet_message">Set up your wallet to send ADA</string>
+    <string name="wallet_payment_no_wallet_button">Set Up Wallet</string>
+    <string name="wallet_payment_insufficient_balance">Insufficient balance (%s ADA available)</string>
+</resources>

features/wallet/test/src/main/kotlin/io/element/android/features/wallet/test/FakeCardanoClient.kt

@@ -8,8 +8,10 @@ package io.element.android.features.wallet.test
 
 import io.element.android.features.wallet.api.CardanoClient
 import io.element.android.features.wallet.api.CardanoException
+import io.element.android.features.wallet.api.NativeAsset
 import io.element.android.features.wallet.api.ProtocolParameters
 import io.element.android.features.wallet.api.TxStatus
+import io.element.android.features.wallet.api.TxSummary
 import io.element.android.features.wallet.api.Utxo
 
 /**
@@ -27,6 +29,8 @@ class FakeCardanoClient : CardanoClient {
     var utxos = mutableMapOf<String, List<Utxo>>()
     var transactionStatuses = mutableMapOf<String, TxStatus>()
     var submittedTransactions = mutableListOf<SubmittedTx>()
+    var assets = mutableMapOf<String, List<NativeAsset>>()
+    var transactions = mutableMapOf<String, List<TxSummary>>()
 
     // Error simulation
     var shouldFailWithNetworkError = false
@@ -53,6 +57,10 @@ class FakeCardanoClient : CardanoClient {
         private set
     var getProtocolParametersCallCount = 0
         private set
+    var getAddressAssetsCallCount = 0
+        private set
+    var getAddressTransactionsCallCount = 0
+        private set
 
     /**
      * Represents a submitted transaction for testing.
@@ -145,6 +153,32 @@ class FakeCardanoClient : CardanoClient {
         return Result.success(protocolParameters)
     }
 
+    override suspend fun getAddressAssets(address: String): Result<List<NativeAsset>> {
+        getAddressAssetsCallCount++
+
+        if (shouldFailWithNetworkError) {
+            return Result.failure(CardanoException.NetworkException("Simulated network error"))
+        }
+        if (shouldFailWithRateLimit) {
+            return Result.failure(CardanoException.RateLimitException(retryAfterMs = 1000L))
+        }
+
+        return Result.success(assets[address] ?: emptyList())
+    }
+
+    override suspend fun getAddressTransactions(address: String, limit: Int): Result<List<TxSummary>> {
+        getAddressTransactionsCallCount++
+
+        if (shouldFailWithNetworkError) {
+            return Result.failure(CardanoException.NetworkException("Simulated network error"))
+        }
+        if (shouldFailWithRateLimit) {
+            return Result.failure(CardanoException.RateLimitException(retryAfterMs = 1000L))
+        }
+
+        return Result.success(transactions[address]?.take(limit) ?: emptyList())
+    }
+
     // Helper methods for test setup
 
     /**
@@ -212,6 +246,8 @@ class FakeCardanoClient : CardanoClient {
         utxos.clear()
         transactionStatuses.clear()
         submittedTransactions.clear()
+        assets.clear()
+        transactions.clear()
         shouldFailWithNetworkError = false
         shouldFailWithRateLimit = false
         submitShouldFail = false
@@ -221,6 +257,8 @@ class FakeCardanoClient : CardanoClient {
         submitTxCallCount = 0
         getTxStatusCallCount = 0
         getProtocolParametersCallCount = 0
+        getAddressAssetsCallCount = 0
+        getAddressTransactionsCallCount = 0
         protocolParameters = ProtocolParameters(
             minFeeA = 44L,
             minFeeB = 155381L,