Your account type

Simple

When you first open Kalda, it asks for your account type: Personal, Business, Investment, Trading or Developer. Pick one. Each organises Kalda around what you do: the features that go with it are to hand, and the rest stay out of your way.

Switching type changes nothing under the hood: your coins, balances and addresses stay exactly as they are; only the organisation and layout change. Money sent to you always arrives, whatever you chose. You can change it any time on your Profile.

Profile → Coins on my wallet lets you choose which coins appear on your wallet screen. Hiding a coin never touches the money in it.

The app's language is in Profile → Settings.

Detailed

What each type brings to the front:

• Personal account: a short guide the first time you open each main page, tips on the trickier actions and, on its own, a handful of popular coins (plus any coin you already hold).
• Business account: XRP tools, such as shared wallets with co-signers, locks and scheduled payments.
• Developer account: everything, plus Developer Settings and the developer docs.
• Investment account: everything the Trading account shows, plus staking on each coin's page where the coin offers it, and interest on USDC and USDT through lending. Each one lists its risks before anything is sent.
• Trading account: Kalda first explains honestly that most people who trade often lose money, and that a centralised exchange usually costs less for frequent trading. After that, Swap shows a price check against the wider market, and when a swap goes through another coin on the way, the path it takes.

Every type is private: payments to you go to private addresses, and Kalda spends private money on its own. Encrypted messages are for everyone, whatever your type. If something arrives that your type doesn't show yet, Kalda tells you what it is and offers to turn it on, so nothing you own stays hidden.

Why it works this way

Grouping features by what people do, rather than by skill, makes them easier to find: you pick the tasks you care about, and everything else stays out of the way.

In depth

Progressive disclosure

Progressive disclosure is a long-standing principle of interface design: present the few options most people need, and defer advanced ones until they're asked for. It reduces cognitive load, the mental effort needed to understand a screen, and with it the chance of mistakes.

Research on personalised interfaces finds that letting people choose what they see (an adaptable interface) works better than an app that rearranges itself, and that grouping features by task works better than grouping them by expertise.

Self-custody

In a self-custody wallet, whoever holds the private keys controls the funds. There's no bank to call, no password reset and no chargeback: a confirmed blockchain transaction is final, and a lost recovery phrase can't be recovered by anyone else.

Separating view from behaviour

A good layered design changes presentation only. The same keys, addresses and balances exist whatever is ticked, so changing your choice never moves money or changes what other people can send you; it only changes how much of it you see.