Personal Wallet

note

Current public-DAV authority boundary — 2026-07-12. Pre-launch target design; nothing here proves a live system. A public-DAV consequence may occur only when at least two natural-person councilors bind the exact consequence in a complete valid bound PRISM decision receipt. PRISM records and verifies that receipt only; it never serves as council, signatory, authority, or receipt producer. AI and caste seats stage unsigned proposals only; they never authorize or execute a public-DAV consequence. Constitution or membership adoption establishes constitution and membership only; it does not authorize a later consequence. Policy may constrain an unsigned proposal but never authorizes execution or substitutes for the complete consequence-bound receipt. Before receipt validity, consequence fails closed to read-only proposal, simulation, or deterministic sandbox; live evidence remains gated_pending_complete_valid_bound_receipt. Software deterministically carries out only the exact consequence bound to a complete valid bound PRISM decision receipt from at least two natural-person councilors binding that exact consequence.

Scope: capability inside the two buyer products (Skyzai Personal / Skyzai Work ✱) — not a standalone SKU. See The Product Family.

Surface: wallet-personal.skyzai.com (declarative) Catalog route: skyzai.com/products/personal-wallet/ Status: SPEC Evidence tier: [D] — W1–W5 personal topology defined; FlowWalletV2 sibling-tested; first external user is the proof gate (re-tiered [B]→[D] 2026-07-03 per TIER_MERGE_GATE: a spec/draft is not an observed run; [B] requires a dated reproducible receipt) Source canon: 02_SKYZAI/02_ORGANISM_COMMONS/NOOSPHERE/03_PRODUCTS/personal_wallet/WEBSITE.md

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What Personal Wallet Is

Consumer packaging of the W1–W5 wallet topology. Five wallet classes (W1 personal · W2 family · W3 multi-sig · W4 sovereign signer · W5 agent execution) under one app, with topology + monitoring + sovereign-signing envelopes for high-stakes acts.

The Natural Person is principal of their own wallet. They sign their own private consequential moves. Above-threshold or consequential actions stage unsigned envelopes and require the Natural Person's exact signed instruction. Agents execute explicitly reversible, non-consequential tooling only under natural_person_discretion and a subscribed entitlement; they never execute public-DAV consequences, and the entitlement never grants signature or consequential authority.

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What It Is Not

• Not custody — we never hold keys, signing authority, or funds
• Not a bank, custodian, or licensed financial institution
• Not an investment advisor — wallet topology is the product; investment decisions are yours
• No asset-recovery guarantee — recovery is via cryptographic social recovery (opt-in), not server-side
• Every exact public-DAV consequence requires a complete valid bound PRISM decision receipt from at least two natural-person councilors binding that exact consequence; PRISM records and verifies only, and the public DAV does not borrow the user's private-wallet authority

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Cross-links

• Product page: /products/personal-wallet/
• Buyer deck: /products/personal-wallet/deck/
• Resource room: /products/personal-wallet/resources/
• Access form: /products/personal-wallet/access/
• Adjacent canon: Wallet Boundaries (P3), Three Gates (58), Nexus (P7)
• Source markdown: 02_SKYZAI/02_ORGANISM_COMMONS/NOOSPHERE/03_PRODUCTS/personal_wallet/WEBSITE.md

Refer to the canonical WEBSITE.md source for complete product spec. This wiki page exists so the .com → .org bidirectional pair resolves cleanly.

Zero-Sum Resolution Equation

K3 public-DAV authority history — 2026-07-12

K3 historical reference — not active authority

note

Current public-DAV boundary — 2026-07-10. Pre-launch target design; nothing here is live. The active DAV is public and targets PRISM, with no K2 runtime, launch, genesis/bootstrap, or fallback dependency. Consequential authority requires at least two natural-person councilors; AI/caste seats stage unsigned proposals only. Before quorum, behavior fails closed to read-only/proposal, simulation, or deterministic sandbox, and a live decision receipt remains gated pending quorum.

The Natural Person is principal of their own wallet. They sign their own private consequential moves. Above-threshold actions stage envelopes; agents execute only inside a subscribed entitlement scope and never acquire signature authority.

• Not custody — we never hold keys, signing authority, or funds
• Not a bank, custodian, or licensed financial institution
• Not an investment advisor — wallet topology is the product; investment decisions are yours
• No asset-recovery guarantee — recovery is via cryptographic social recovery (opt-in), not server-side
• Public-DAV governance requires a decision receipt from at least two natural-person PRISM councilors; it does not borrow the user's private-wallet authority