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/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"
+        }
+    }
+}