# Wallet

{% hint style="success" %} <mark style="color:green;">**GETTING STARTED**</mark>

**1) Download the Kolektivo Wallet**

The Kolektivo Wallet is available on Apple Store or Android.

**2) Set up the Wallet**

1. Read and accept the Kolektivo Terms & Conditions.
2. Enter your email address.
3. Enter the secret code that was just sent to the email address that you've given in Step 1.&#x20;
4. Enter your name. You can also add a picture of yourself, if you want.
5. Set up your PIN. This 6 digit number will be your way to access your wallet in the future, don't lose it!
6. Select your areas of interest between "Kolektivo General", "Leadership and Human Development", "Equitable Communities & Governance", "Healthy Ecosystems & Environment", "Entrepreneurship & Innovation", "Creativity, Culture & Arts".
7. You're all set!
   {% endhint %}

<details>

<summary>Table of Contents</summary>

[Introduction](#introduction)

[Wallet](#wallet)

* [Send Payments](#send-payments)
* [Request Payments](#request-payments)
* [Account's Balance and Payment History](#accounts-balance-and-payment-history)

[Services](#services)

* [Swap Currencies](#swap-currencies)
* [Top-Ups](#top-ups)
* [Local Merchant List](#local-merchant-list)

[Map](#map)

* [Browse](#browse)
* [Find](#find)

[Settings](#settings)

* [General Settings](#general-settings)
* [Security](#security)
* [Data](#data)

[Help](#help)

* [Frequently Asked Questions](#frequently-asked-questions)
* [Forum](#forum)
* [Contact](#contact)

[What's Next?](#whats-next)

</details>

## Introduction

A mobile-first wallet that provides local and non crypto-savvy communities with an easy payments tool. To foster financial inclusion, the Kolektivo Wallet provides a service similar to **Mobile Money** — an electronic payments service enabling users to store, send, and receive money using only their mobile phones. This safe and easy method for electronic payments makes mobile money a popular alternative to bank accounts and is already widely used in many countries across Sub-Saharan Africa, South Asia, East Asia, and the Pacific.

The Kolektivo Wallet is a fork of the Celo ecosystem’s popular [Valora](https://valoraapp.com/) wallet. Using this already-existing infrastructure and the Celo blockchain we get a host of benefits, such as Celo’s low gas fees, which can be paid for in multiple currencies — making payments simple and hassle-free. In addition, the Kolektivo Wallet includes a local merchant list, a community feed, as well as a crypto exchange mechanism.

## Wallet

<figure><img src="https://807599655-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIhKhzl8NzsNE6Q8tO6lW%2Fuploads%2FObP53Atc6FIvIhJ7byAU%2Fwallet%20menu%20bar.PNG?alt=media&#x26;token=7aa82062-d738-4904-9e8b-5c8784641f9d" alt="" width="375"><figcaption><p>The Wallet menu category</p></figcaption></figure>

### Send Payments

{% hint style="info" %}
Guilders, euros, and dollars are the initial currencies in which payments can be denominated in the wallet. In the future, as more community economies use the wallet, more options will be introduced.
{% endhint %}

1. When on the "Wallet" category menu, press "Send".
2. Select the person who should receive the payment (the "recipient").\
   \
   If you have the recipient's phone number, you can allow the Kolektivo Wallet to access to your phone's contacts, and select them from there, or you can enter a phone number to which you want to send a payment.\
   \
   If you don't have the recipient in your phone's contacts: You can enter the recipient wallet address. This address can be shared with you using a QR code.
3. Select the asset that you would like to send. You can only send the assets that you own.
4. Select the amount that you would like to send.&#x20;
5. Press the "Review" button. You can add a description to your payment for the recipient to read.
6. Press "Send".

### Request Payments

Using the Kolektivo Wallet, you can request payments by creating a unique QR code. This is particurlaly useful when the payment's sendor doesn't have your phone number.

<figure><img src="https://807599655-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIhKhzl8NzsNE6Q8tO6lW%2Fuploads%2Fbdi28M070Mki3shIUdZJ%2Fqr%20code.PNG?alt=media&#x26;token=84e2d2e6-4c58-4c54-8ce5-07b65e64f2c4" alt="" width="164"><figcaption></figcaption></figure>

1. When on the Wallet menu category, press the "Receive" orange button.&#x20;
2. A screen displaying a QR code like the one above will appear.&#x20;
3. Type the requested amount.
4. Present the QR code to the payment sender.

### Account Balance and Payment History

<figure><img src="https://807599655-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIhKhzl8NzsNE6Q8tO6lW%2Fuploads%2FkWJAZqIqEarbMj5Sxmwl%2Fwelcome%20screen.PNG?alt=media&#x26;token=1f22609b-4bc5-45b5-9ab0-ecb1f568c1c6" alt="" width="181"><figcaption><p>This is the home screen of the Kolektivo Wallet.</p></figcaption></figure>

On the top of the home screen of the Wallet (see above picture), you are able to see your **Wallet address**. Every wallet address is a unique key that starts with 0x. If you click on your address, your phone will copy it: This is usefull if you would like to send your address to someone by pasting it in a message or an email.&#x20;

Under your Wallet address, you are able to consult your **account's balance**. It is given in USD, as well as in cUSD.&#x20;

If you would like to consult your **payment history**, you can go scroll down under your account's balance. For each past payment, the history on the home screen will display:

* **Date**: When the payment has been processed, e.g. 30 Oct 2022.
* **Payment recipent or sendor**: If you have saved them in your phone's contacts, the name you chose for them will appear. Otherwise, their wallet address will appear.
* **Amount**: The total amount of money that you've sent (-) or received (+), expressed in USD and cUSD.
* **Type**: The type of payment, i.e. payyment sent or payment received.

If you would like to obtain additional informations about a specific payment, you can press the payment in question in the payment history. There, you will be able to see:

* **Amount sent**: The total amount of money that you've sent (-) or received (+), expressed in USD.
* **Fees**: The total amount of fees collected to process this transaction, expressed in USD.
* **Total**: The sum of the amount sent + fees, expressed in USD and cUSD.

## Services

<figure><img src="https://807599655-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIhKhzl8NzsNE6Q8tO6lW%2Fuploads%2FLhlPyUQHGQ8ZLVTGtXsQ%2Fservice%20menu%20bar.PNG?alt=media&#x26;token=8b8e2db0-3c3b-48ad-b15b-7e53fa05a787" alt="" width="357"><figcaption><p>The Service menu category</p></figcaption></figure>

### Swap Currencies

<figure><img src="https://807599655-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIhKhzl8NzsNE6Q8tO6lW%2Fuploads%2F7EwyaxlY7O3kDTrX2qCT%2Fsawp%20small.PNG?alt=media&#x26;token=fd893420-7021-472b-bfad-1f07ea7f07f4" alt="" width="111"><figcaption></figcaption></figure>

On the Services menu category of the Kolektivo Wallet, it is possible to swap currencies. When clicking on the above icon, you are sent to [Symmetric DEX](https://gnosis.symm.fi/#/). There, you can connect your Kolektivo Wallet to swap currencies.&#x20;

### Top-Ups

<figure><img src="https://807599655-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIhKhzl8NzsNE6Q8tO6lW%2Fuploads%2FsoI0KArbq9K2TBLEUemr%2Ftop%20up%20small.PNG?alt=media&#x26;token=0ec2d8d5-7edb-45e8-879d-70899d687c87" alt="" width="111"><figcaption></figcaption></figure>

When pressing the above icon, you are sent to the [Bidali marketplace](https://www.bidali.com/). This application provides practical access to many goods — such as phone data credits or popular gift cards, bridging to foreign imports that were previously inaccessible for many. When entering Bidali from the Wallet, your Kolektivo Wallet will be automatically connected to the marketplace.&#x20;

{% hint style="warning" %}
Please note that Bidali only accepts payments in cUSD. If you don't have some or enough, you can [swap currencies](#swap-currencies) from the Kolektivo Wallet.&#x20;
{% endhint %}

## Map

<figure><img src="https://807599655-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIhKhzl8NzsNE6Q8tO6lW%2Fuploads%2FPnyTyWBBLE4eHb7LpEq2%2Fmap%20menu%20bar.PNG?alt=media&#x26;token=767b5a74-32c8-4688-9e55-d02344a85bfe" alt="" width="355"><figcaption></figcaption></figure>

### Browse

On the Map, you can browse the different local merchants and food-forests of the Curacao community economy. This enables you to easily know who around you accepts the Kolektivo Guilder.&#x20;

When pressing a specific merchant, you can access additional informations about them:

* **Logo**
* **Name**
* **Business category**, e.g. art.
* **Description** of the products/services offered
* **Address**: Location is included via GPS coordinates and is used when pressing the navigate button.
* **Contact information**
* **Website**
* **Share**

When pressing a specific food-forest, you can access additional informations about them:

* **Name**: The name of the food-forest.
* **Area**: The area of the food-forest in m².
* **Age**: How long ago the food-forest was started.&#x20;
* **Share**: By pressing the share icon, you can share the above information with your phone's contacts.

### Find

If you are looking for a specific merchant or food-forest on the map, you can swipe up. The list of merchants will appear, and by pressing the one you are looking for, you will be directly reconducted to their location on the map.

## Settings

<figure><img src="https://807599655-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIhKhzl8NzsNE6Q8tO6lW%2Fuploads%2FFVfHQC5TmPeCH2IylcoA%2Fsettings.PNG?alt=media&#x26;token=8d555f56-dcc4-49d4-a183-9127b296d156" alt="" width="39"><figcaption><p>You can access the settings by pressing this icon.</p></figcaption></figure>

When pressing on the above icon located on the upper left corner of your screen, you can access to your Wallet settings.

### General Settings

<figure><img src="https://807599655-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIhKhzl8NzsNE6Q8tO6lW%2Fuploads%2FlXJIziGFDIzvnL3vbOKZ%2Fphoto_5951899279058650635_y.jpg?alt=media&#x26;token=3098757c-82e2-4b0e-8a64-84a29a232c58" alt="" width="180"><figcaption><p>By pressing "Settings", you are able to access general settings of your Kolektivo Wallet.</p></figcaption></figure>

#### Edit Profile

Here, you can edit your name as well as your profile picture. When making some modifications, don't forget to save by pressing "Saving" on the top right corner of your screen.

#### Language

You can set the Wallet in English, Dutch or Spanish.

#### Currency

You can set the currency of your Wallet to be the Netherland Antillean Guilder (ANG), Euro (EUR), or American Dollar (USD).&#x20;

#### Connected Dapps

Here, you can see which dApps are connected to your Kolektivo Wallet. You can connect more dApps by scanning their QR code.

### Security

#### Change PIN

Here, you can modify your PIN. From now on, your Wallet will ask your new PIN to access your funds and execute payments.&#x20;

#### Require PIN on App Open

By activating this function, your Kolekitvo Wallet will ask for your PIN when opening. This is an additional security measure to make sure that only you can access your Wallet.&#x20;

#### Migrate Account

When you change devices, you might want to access your Kolektivo Wallet on it. The User Keyshare allows you to easily move your Kolektivo Wallet account from one device to another. This can be done by scanning the User Keyshare as a QR code.

When starting the process, your keyshare will be shown as a QR code that is valid during a five minute window. Scan it with your device to migrate your account to the new device. If you miss the five minutes opportunity, your Wallet will try again for you to continue.&#x20;

#### Refresh Security

{% hint style="info" %}
***What is a recovery key phrase?***

A recovery key phrase is a list of words given when setting up a Web3 Wallet. When you signed up for the Kolektivo Wallet, Kolektivo sent you a private key that you should only use in emergencies -- like when you lost your phone, or have deleted your app.&#x20;
{% endhint %}

If you've lost your recovery key, or worse think that your account may no longer be secure, we can refresh your Wallet security for you. We'll create new codes to secure your funds, and you'll receive an email with instructions.&#x20;

#### MPC

Here, you can inform yourself about a technology used by the Kolektivo Wallet: Multi-Party Computation.

{% hint style="info" %}
***What is MPC?***

Multi-Party Computation (MPC) is a technology that allows multiple parties to jointly compute a function while keeping their inputs private. This means that sensitive information can be processed without being revealed to anyone. MPC allows the private address to be divided into unique keyshares and distributed among different parties. This provides strong security guarantees for individuals and institutions managing digital assets.&#x20;
{% endhint %}

### Data

#### Share Analytics

Kolekitvo collects anonymized data about how you use Kolektivo Wallet to help improve the application for everyone. At any time, you can turn off this parameter for Kolektivo to stop collecting your anonymized data.&#x20;

#### Legal

Here, you can read about the Wallet licenses, terms of service and privacy policy.&#x20;

#### Reset Kolektivo Wallet

Resetting will remove your account from the device your are using. Your funds will remain in the account, but will only be accessible with your Recovery Key phrase.

{% hint style="danger" %}
Before resetting your Kolektivo Wallet, please make sure that you have your Recovery Key phrase written somewhere accessible and secure. Nobody, not even Kolekitvo, knows your Recovery Phrase.
{% endhint %}

## Help

<figure><img src="https://807599655-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIhKhzl8NzsNE6Q8tO6lW%2Fuploads%2F1MpCSvNOJx671rFCBoi7%2Fphoto_5951899279058650634_y.jpg?alt=media&#x26;token=9f762fa4-9b38-478e-9393-3dea4c3a9665" alt="" width="180"><figcaption><p>By pressing "Help", you are able to access the FAQ, Forum and Kolektivo's contact informations.</p></figcaption></figure>

### Frequently Asked Questions

If you have a question concerning your Wallet, please refer to this section before contacting us. There is a good chance for you to find your answer there.

### Forum

Here, you can access the dedicated space to the Kolektivo Wallet related matters on the [Celo Forum](https://forum.celo.org/). You can ask your questions and see if they have already been treated by the community in the past.&#x20;

### Contact

Here, you can find our contact informations.&#x20;

## What's Next?

Below are some of the upcoming features for the Wallet:

* **An** **integration of** [**Safe**](https://gnosis-safe.io/enterprises) in the Kolektivo Wallet, specifically geared towards local business teams to co-manage their funds. With Safe’s multi-signature signing, selected digital asset transactions must be approved by multiple designated members of a company or organization — enhancing fund management security and transparency for merchants.
* **Gas payments with kGuilder and other community currencies**. While Celo supports gas payments in multiple currencies, kGuilder will not be one of them on the MVP launch. We are working on a proposal to submit to Celo’s governance to not only list kGuilder as a gas token payment option, but future Kolektivo community currencies moving forward. In the meantime, users of the wallet will receive a small amount of CELO tokens to cover their gas payments.
