Personal Wallet
Status: pre-launch. This page describes target design; this document does not establish a deployed service.
Scope: proposed personal-wallet capability in the Skyzai Personal app/commercial package; any Work use requires its own scope. Personal and Work are package routes for seven product owners, not independent owners of every capability. This is 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Source canon: (private, unpublished)
What Personal Wallet Is
Historical/reference packaging of a W1–W5 wallet topology; current class taxonomy remains unresolved. 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.
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 the signer(s) required by applicable law, the entity's governing instrument, or a valid competent mandate binding that exact consequence; PRISM records and verifies only, and the public DAV does not borrow the user's private-wallet authority
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: (private, unpublished)
Refer to the canonical
WEBSITE.mdsource for complete product spec. This wiki page exists so the .com → .org bidirectional pair resolves cleanly.
Historical predecessor wording — retained on 2026-09-28, not active rules
Predecessor passage 1
Consumer packaging of the W1–W5 wallet topology.