diff --git a/Flipcash/Core/Controllers/Database/Database+Onboarding.swift b/Flipcash/Core/Controllers/Database/Database+Onboarding.swift
new file mode 100644
index 000000000..4ac2653df
--- /dev/null
+++ b/Flipcash/Core/Controllers/Database/Database+Onboarding.swift
@@ -0,0 +1,33 @@
+//
+//  Database+Onboarding.swift
+//  Flipcash
+//
+
+import Foundation
+import FlipcashCore
+import SQLite
+
+/// Durable-history checks backing the wallet onboarding funnel. These read the
+/// event history (not the current balance), so a milestone stays complete even
+/// after the user later spends the balance — mirroring Android.
+nonisolated extension Database {
+
+    /// True once a completed deposit or buy exists — the "added money" milestone.
+    func hasEverAddedMoney() throws -> Bool {
+        let a = ActivityTable()
+        let funded = [Activity.Kind.deposited.rawValue, Activity.Kind.bought.rawValue]
+        return try reader.pluck(
+            a.table.filter(funded.contains(a.kind) && a.state == Activity.State.completed.rawValue)
+        ) != nil
+    }
+
+    /// True once the caller has *sent* a tip — the "scanned a tip card" milestone.
+    /// Received tips don't count, so it's scoped to `senderId == selfUserID`.
+    func hasEverTipped(selfUserID: UserID) throws -> Bool {
+        let m = ConversationMessageTable()
+        // cashAction 1 == tipped (see ConversationMessageTable.cashAction).
+        return try reader.pluck(
+            m.table.filter(m.cashAction == 1 && m.senderId == selfUserID)
+        ) != nil
+    }
+}
diff --git a/Flipcash/Core/Screens/Main/Home/HomeTabView.swift b/Flipcash/Core/Screens/Main/Home/HomeTabView.swift
index d3b331f96..b51249ac2 100644
--- a/Flipcash/Core/Screens/Main/Home/HomeTabView.swift
+++ b/Flipcash/Core/Screens/Main/Home/HomeTabView.swift
@@ -50,7 +50,7 @@ struct HomeTabView: View {
         case .scan:
             ScanScreen(isEmbedded: true)
         case .wallet:
-            WalletScreen()
+            WalletScreen(onScanTipCard: { selection = .scan })
         case .chat:
             ChatTab()
         case .tipCard:
diff --git a/Flipcash/Core/Screens/Main/Home/OnboardingFunnel.swift b/Flipcash/Core/Screens/Main/Home/OnboardingFunnel.swift
new file mode 100644
index 000000000..33f71c147
--- /dev/null
+++ b/Flipcash/Core/Screens/Main/Home/OnboardingFunnel.swift
@@ -0,0 +1,126 @@
+//
+//  OnboardingFunnel.swift
+//  Flipcash
+//
+
+import SwiftUI
+import FlipcashUI
+
+/// A step in the wallet onboarding funnel (Figma frame 8966:1516, ported from
+/// Android's `OnboardingItem`).
+enum OnboardingItem: Identifiable, Equatable {
+    case addMoney(isCompleted: Bool)
+    case scanTipCard(isCompleted: Bool)
+
+    var id: String { title }
+
+    var isCompleted: Bool {
+        switch self {
+        case .addMoney(let done), .scanTipCard(let done): return done
+        }
+    }
+
+    var title: String {
+        switch self {
+        case .addMoney:    return "Add Money"
+        case .scanTipCard: return "Scan a Tip Card"
+        }
+    }
+
+    var subtitle: String {
+        switch self {
+        case .addMoney:    return "Add money to your account"
+        case .scanTipCard: return "Give your first tip"
+        }
+    }
+}
+
+/// The "Send Your First Tip" onboarding funnel shown on the v2 Wallet: a title +
+/// completed-count, then a card of tappable steps. Completed steps show a green
+/// check, dim, and stop responding to taps. Ported from Android's
+/// `OnboardingFunnel`.
+struct OnboardingFunnelView: View {
+
+    let title: String
+    let items: [OnboardingItem]
+    let onTap: (OnboardingItem) -> Void
+
+    private var completedCount: Int { items.filter(\.isCompleted).count }
+
+    var body: some View {
+        VStack(alignment: .leading, spacing: 16) {
+            HStack {
+                Text(title)
+                    .font(.appTextLarge)
+                    .foregroundStyle(Color.textMain)
+                Spacer()
+                Text("\(completedCount) / \(items.count)")
+                    .font(.appTextSmall)
+                    .foregroundStyle(Color.textSecondary)
+            }
+            .padding(.horizontal, 16)
+
+            VStack(spacing: 0) {
+                ForEach(items) { item in
+                    row(item)
+                }
+            }
+            .background(Color.white.opacity(0.05))
+            .clipShape(RoundedRectangle(cornerRadius: 16, style: .continuous))
+        }
+    }
+
+    private func row(_ item: OnboardingItem) -> some View {
+        Button {
+            onTap(item)
+        } label: {
+            HStack(spacing: 12) {
+                icon(item)
+                    .frame(width: 24, height: 24)
+
+                VStack(alignment: .leading, spacing: 2) {
+                    Text(item.title)
+                        .font(.appTextMedium)
+                        .foregroundStyle(Color.textMain)
+                    Text(item.subtitle)
+                        .font(.appTextSmall)
+                        .foregroundStyle(Color.textSecondary)
+                }
+                .opacity(item.isCompleted ? 0.38 : 1)
+
+                Spacer(minLength: 8)
+
+                Image(systemName: "chevron.right")
+                    .font(.appTextSmall)
+                    .foregroundStyle(Color.textSecondary)
+            }
+            .padding(16)
+            .contentShape(Rectangle())
+        }
+        .buttonStyle(.plain)
+        .disabled(item.isCompleted)
+    }
+
+    @ViewBuilder private func icon(_ item: OnboardingItem) -> some View {
+        if item.isCompleted {
+            Image(systemName: "checkmark.circle.fill")
+                .resizable()
+                .scaledToFit()
+                .foregroundStyle(Color.Sentiment.positive)
+        } else {
+            switch item {
+            case .addMoney:
+                Image(systemName: "plus.circle")
+                    .resizable()
+                    .scaledToFit()
+                    .foregroundStyle(Color.textMain)
+            case .scanTipCard:
+                Image("NavScan")
+                    .renderingMode(.template)
+                    .resizable()
+                    .scaledToFit()
+                    .foregroundStyle(Color.textMain)
+            }
+        }
+    }
+}
diff --git a/Flipcash/Core/Screens/Main/Home/WalletScreen.swift b/Flipcash/Core/Screens/Main/Home/WalletScreen.swift
index 9f97efffd..651381fe0 100644
--- a/Flipcash/Core/Screens/Main/Home/WalletScreen.swift
+++ b/Flipcash/Core/Screens/Main/Home/WalletScreen.swift
@@ -17,8 +17,11 @@ struct WalletScreen: View {
 
     @Environment(SessionContainer.self) private var sessionContainer
 
+    /// Invoked by the funnel's "Scan a Tip Card" step to switch to the Scan tab.
+    let onScanTipCard: () -> Void
+
     var body: some View {
-        WalletScreenContent(sessionContainer: sessionContainer)
+        WalletScreenContent(sessionContainer: sessionContainer, onScanTipCard: onScanTipCard)
     }
 }
 
@@ -36,19 +39,23 @@ private struct WalletScreenContent: View {
     @Environment(HistoryController.self) private var historyController
 
     let session: Session
+    let onScanTipCard: () -> Void
 
     @State private var cards: [TokenCardData] = []
     @State private var total: ExchangedFiat
     @State private var appreciation: (amount: FiatAmount, isPositive: Bool)
+    @State private var hasAddedMoney: Bool
+    @State private var hasTipped: Bool
     @State private var scrolledPast: CGFloat = 0
-    /// The header block's height — the scroll distance before the stack reaches
-    /// the top. Collapse starts past this.
+    /// The height of everything above the card stack (header + funnel) — the
+    /// scroll distance before the stack reaches the top. Collapse starts past it.
     @State private var headerHeight: CGFloat = 150
     /// The scroll view's content offset at rest, captured on the first KVO tick.
     @State private var restOffset: CGFloat?
 
-    init(sessionContainer: SessionContainer) {
+    init(sessionContainer: SessionContainer, onScanTipCard: @escaping () -> Void) {
         self.session = sessionContainer.session
+        self.onScanTipCard = onScanTipCard
         let rate = sessionContainer.ratesController.rateForBalanceCurrency()
         // Seed synchronously so the first render shows real balances, not an
         // empty-state flash (mirrors BalanceScreen).
@@ -56,21 +63,23 @@ private struct WalletScreenContent: View {
         _cards = State(initialValue: seed.cards)
         _total = State(initialValue: seed.total)
         _appreciation = State(initialValue: seed.appreciation)
+        _hasAddedMoney = State(initialValue: seed.hasAddedMoney)
+        _hasTipped = State(initialValue: seed.hasTipped)
     }
 
     private var rate: Rate { ratesController.rateForBalanceCurrency() }
 
+    private var isOnboardingComplete: Bool { hasAddedMoney && hasTipped }
+
+    private var onboardingItems: [OnboardingItem] {
+        [.addMoney(isCompleted: hasAddedMoney), .scanTipCard(isCompleted: hasTipped)]
+    }
+
     var body: some View {
         @Bindable var router = router
         NavigationStack(path: $router[.balance]) {
             Background(color: .backgroundMain) {
-                Group {
-                    if cards.isEmpty {
-                        emptyState
-                    } else {
-                        walletContent
-                    }
-                }
+                walletContent
             }
             // No top bar on the wallet root (per Figma) — the balance header
             // sits directly under the status bar. Pushed destinations restore
@@ -88,24 +97,42 @@ private struct WalletScreenContent: View {
     private var walletContent: some View {
         ScrollView {
             VStack(spacing: 0) {
-                header
-                    .padding(.vertical, 30)
-                    // The header's height is scroll-independent, so this fires once
-                    // at layout — it's the distance the stack sits below the top.
-                    .background(
-                        GeometryReader { proxy in
-                            Color.clear.preference(key: HeaderHeightKey.self, value: proxy.size.height)
-                        }
-                    )
-
-                TokenCardStack(
-                    items: cards,
-                    scrolledPast: scrolledPast,
-                    onCardTap: { router.push(.currencyInfo($0.mint)) }
+                // Header + funnel scroll off before the stack collapses, so their
+                // combined height (scroll-independent, measured once at layout) is
+                // the collapse threshold.
+                VStack(spacing: 0) {
+                    header
+                        .padding(.vertical, 30)
+
+                    if !isOnboardingComplete {
+                        OnboardingFunnelView(
+                            title: "Send Your First Tip",
+                            items: onboardingItems,
+                            onTap: handleOnboardingTap
+                        )
+                        .padding(.bottom, 20)
+                    }
+                }
+                .background(
+                    GeometryReader { proxy in
+                        Color.clear.preference(key: HeaderHeightKey.self, value: proxy.size.height)
+                    }
                 )
 
-                addMoneyButton
-                    .padding(.top, 24)
+                if !cards.isEmpty {
+                    TokenCardStack(
+                        items: cards,
+                        scrolledPast: scrolledPast,
+                        onCardTap: { router.push(.currencyInfo($0.mint)) }
+                    )
+                }
+
+                // Returning users (already funded) get a plain add-money row; new
+                // users use the funnel's own "Add Money" step instead.
+                if hasAddedMoney {
+                    addMoneyButton
+                        .padding(.top, 24)
+                }
 
                 // Bottom inset so the last card clears the floating tab bar.
                 Color.clear.frame(height: 96)
@@ -147,19 +174,13 @@ private struct WalletScreenContent: View {
         .buttonStyle(.plain)
     }
 
-    private var emptyState: some View {
-        VStack(spacing: 10) {
-            Text("No Balance Yet")
-                .font(.appTextLarge)
-            Text("Add money to get started")
-                .font(.appTextMedium)
-                .foregroundStyle(Color.textSecondary)
-            BubbleButton(text: "Add Money") {
-                router.presentAddMoney(.general, source: .balance)
-            }
-            .padding(.top, 8)
+    private func handleOnboardingTap(_ item: OnboardingItem) {
+        switch item {
+        case .addMoney:
+            router.presentAddMoney(.general, source: .balance)
+        case .scanTipCard:
+            onScanTipCard()
         }
-        .padding(.horizontal, 40)
     }
 
     // MARK: - Data
@@ -170,6 +191,8 @@ private struct WalletScreenContent: View {
             cards = snapshot.cards
             total = snapshot.total
             appreciation = snapshot.appreciation
+            hasAddedMoney = snapshot.hasAddedMoney
+            hasTipped = snapshot.hasTipped
         }
     }
 
@@ -179,7 +202,7 @@ private struct WalletScreenContent: View {
     private static func snapshot(
         session: Session,
         rate: Rate
-    ) -> (cards: [TokenCardData], total: ExchangedFiat, appreciation: (amount: FiatAmount, isPositive: Bool)) {
+    ) -> (cards: [TokenCardData], total: ExchangedFiat, appreciation: (amount: FiatAmount, isPositive: Bool), hasAddedMoney: Bool, hasTipped: Bool) {
         let all = session.balances(for: rate)
         let visible = all.filter { $0.stored.mint != .usdf || $0.exchangedFiat.hasDisplayableValue() }
 
@@ -212,7 +235,7 @@ private struct WalletScreenContent: View {
             isPositive: net >= 0
         )
 
-        return (cards, total, appreciation)
+        return (cards, total, appreciation, session.hasEverAddedMoney(), session.hasEverTipped())
     }
 }
 
diff --git a/Flipcash/Core/Session/Session.swift b/Flipcash/Core/Session/Session.swift
index 6b166c5ee..f2241e11d 100644
--- a/Flipcash/Core/Session/Session.swift
+++ b/Flipcash/Core/Session/Session.swift
@@ -152,6 +152,18 @@ class Session {
         updateableBalances.value.first { $0.mint == mint }
     }
 
+    /// Whether the caller has ever added money (a completed deposit or buy) —
+    /// the wallet onboarding "add money" milestone. Derived from durable history,
+    /// so it stays true after the balance is spent.
+    func hasEverAddedMoney() -> Bool {
+        (try? database.hasEverAddedMoney()) ?? false
+    }
+
+    /// Whether the caller has ever sent a tip — the "scan a tip card" milestone.
+    func hasEverTipped() -> Bool {
+        (try? database.hasEverTipped(selfUserID: userID)) ?? false
+    }
+
     /// The mint's bill-customization colors (the `#RRGGBB` palette users pick in
     /// the currency creator), used to paint its token card. Empty when the mint
     /// has no stored metadata or no customization.