diff --git a/addon.json b/addon.json
index f50300d..0153d39 100644
--- a/addon.json
+++ b/addon.json
@@ -1,7 +1,7 @@
 {
   "id": "aegis",
   "name": "Aegis Wallet",
-  "version": "0.18.0",
+  "version": "0.19.0",
   "category": "plugin",
   "description": "Multi-chain wallet (BCH, BTC, TRX, ETH, SOL, SC, DGB) derived from your Theseus vault. Dapps get window.bitcoincash on .x sites; window.tronWeb / window.tronLink / window.ethereum / window.solana on any https page.",
   "author": "Silent Mode",
diff --git a/panel.html b/panel.html
index 6b70b57..c454abf 100644
--- a/panel.html
+++ b/panel.html
@@ -780,9 +780,23 @@
            Chips give one shape for every coin and a visible answer either
            way. (0.9.2 had already reordered the stack for the same reason —
            this replaces that workaround.) -->
+      <!-- 0.19.0: Assets split into Assets and Certificates. A fungible
+           balance and a non-fungible one answer different questions ("how
+           much do I have" vs "which ones do I hold") and want different rows
+           — an amount against a symbol, versus a commitment and a
+           capability. One list mixing them showed 46 categories where 32
+           were only ever going to say "1 NFT". Split by what the category
+           actually holds, so one carrying both appears in both.
+
+           "Certificates", not "NFTs", in the UI: these are membership,
+           licence and record tokens, and NFT carries collectible-market
+           baggage that misdescribes them. The ids and data keys below stay
+           `nft` because that is the CashTokens protocol field — protocol
+           name inside, product name on screen. -->
       <div id="rcvViewToggle" class="modetoggle">
-        <button data-rcv-view="address" class="on" type="button">Address &amp; QR</button>
+        <button data-rcv-view="address" class="on" type="button">Address</button>
         <button data-rcv-view="assets" type="button">Assets <span id="rcvAssetsCount" class="hint"></span></button>
+        <button data-rcv-view="nfts" type="button">Certificates <span id="rcvNftsCount" class="hint"></span></button>
       </div>
       <div id="rcvAddressPane">
       <div class="card">
@@ -812,6 +826,13 @@
           <div class="hint" id="tokensHint">Tokens held by this wallet.</div>
         </div>
       </div>
+      <div id="rcvNftsPane" hidden>
+        <div class="card" id="nftsCard">
+          <div class="lbl">Certificates <span class="hint" id="nftsCount"></span></div>
+          <div id="nftsList" class="kv"></div>
+          <div class="hint" id="nftsHint">Non-fungible CashTokens held by this wallet — one row per certificate.</div>
+        </div>
+      </div>
       </div><!-- /rcvNormal -->
       <!-- Consolidate view (inline, replaces Receive body when active). -->
       <div id="rcvConsolidate" hidden>
diff --git a/panel.js b/panel.js
index f331a1e..0a7fe17 100644
--- a/panel.js
+++ b/panel.js
@@ -2140,15 +2140,20 @@ function paintSendMode() {
 // across re-renders and across wallet switches, because someone comparing
 // token balances between wallets should not be knocked back to the QR on
 // every click.
+const RCV_VIEWS = ["address", "assets", "nfts"];
 let rcvView = "address";
-try { rcvView = localStorage.getItem("aegis/rcvView") === "assets" ? "assets" : "address"; } catch (_e) {}
+try {
+  const saved = localStorage.getItem("aegis/rcvView");
+  if (RCV_VIEWS.includes(saved)) rcvView = saved;
+} catch (_e) {}
 function paintRcvView() {
-  const addr = $("rcvAddressPane"), assets = $("rcvAssetsPane");
-  if (!addr || !assets) return;
+  const addr = $("rcvAddressPane"), assets = $("rcvAssetsPane"), nfts = $("rcvNftsPane");
+  if (!addr || !assets || !nfts) return;
   document.querySelectorAll("[data-rcv-view]").forEach((b) =>
     b.classList.toggle("on", b.dataset.rcvView === rcvView));
   addr.hidden = rcvView !== "address";
   assets.hidden = rcvView !== "assets";
+  nfts.hidden = rcvView !== "nfts";
   // The QR's backing store is sized from its rendered box, so one drawn
   // while its pane was hidden comes out blank. Redraw on reveal — and note
   // renderReceive only redraws when the address CHANGES, so switching back
@@ -3397,6 +3402,63 @@ function setAssetsCount(n) {
     if (cnt) cnt.textContent = "";
   }
 }
+// Certificates chip. Counts individual certificates, not categories — "3"
+// should mean three things you hold, which is the question the chip is
+// answering. A chain with no non-fungible concept lands here with 0 and says
+// so, rather than the chip vanishing on some coins and not others.
+function setCertsCount(n) {
+  const chip = $("rcvNftsCount");
+  if (chip) chip.textContent = n ? String(n) : "";
+  const card = $("nftsCard");
+  if (card) card.hidden = false;
+  if (!n) {
+    const el = $("nftsList");
+    if (el) el.innerHTML = `<div class="hint" style="padding:4px 2px">No certificates held by this wallet.</div>`;
+    const cnt = $("nftsCount");
+    if (cnt) cnt.textContent = "";
+  }
+}
+
+// One row per certificate: which category it belongs to, its commitment (the
+// payload that makes it specific), and its capability — minting / mutable /
+// none is the difference between a certificate that can still issue others
+// and one that is fixed, which is worth seeing at a glance.
+function renderCerts(balances, metaMap) {
+  const rows = [];
+  for (const cat of Object.keys(balances || {})) {
+    const b = balances[cat];
+    const list = Array.isArray(b?.nfts) ? b.nfts : [];
+    for (const n of list) rows.push({ cat, ...n });
+  }
+  setCertsCount(rows.length);
+  if (!rows.length) return;
+  const el = $("nftsList");
+  if (!el) return;
+  const cntEl = $("nftsCount");
+  if (cntEl) cntEl.textContent = `· ${rows.length}`;
+  el.innerHTML = rows.map((r) => {
+    const meta = metaMap?.[r.cat] || null;
+    const named = meta?.name || meta?.symbol || null;
+    const title = named || (r.cat.slice(0, 10) + "…" + r.cat.slice(-6));
+    const cap = String(r.capabilityLabel || r.capability || "none");
+    const capTag = cap && cap !== "none"
+      ? ` <span class="ttag" title="This certificate can ${cap === "minting" ? "issue more" : "be altered"}">${esc(cap.toUpperCase())}</span>`
+      : "";
+    // A commitment is arbitrary bytes; it is the only thing distinguishing
+    // two certificates of the same category, so show it rather than hide it.
+    const commit = String(r.commitmentHex || "");
+    const commitTxt = commit
+      ? (commit.length > 24 ? commit.slice(0, 24) + "…" : commit)
+      : "no commitment";
+    return `<div class="tx" style="grid-template-columns:1fr auto;cursor:default;align-items:center">
+      <div>
+        <div>${esc(title)}${capTag}</div>
+        <div class="hint mono">${esc(commitTxt)}</div>
+      </div>
+      <div class="hint mono" style="align-self:center;text-align:right">${named ? esc(r.cat.slice(0, 8)) + "…" : ""}</div>
+    </div>`;
+  }).join("");
+}
 
 // Name a token yourself. Self-minted categories publish nothing — no
 // registry entry, and usually not even an OP_RETURN in the genesis — so
@@ -3467,6 +3529,9 @@ function renderTokens() {
   const s = sel();
   const card = $("tokensCard");
   const el = $("tokensList");
+  // Certificates are BCH-only today; every other chain lands on 0 and says
+  // so. Overwritten below for BCH.
+  if (chain() !== "bch") setCertsCount(0);
   // SOL wallets: SPL tokens with a Send button (existing flow).
   if (chain() === "sol") {
     const tokens = s?.tokens || [];
@@ -3495,27 +3560,33 @@ function renderTokens() {
   // come from BCMR, fetched async; the first paint uses raw category hex.
   if (chain() === "bch") {
     const balances = s?.tokenBalances || {};
-    const cats = Object.keys(balances);
+    const allCats = Object.keys(balances);
+    // Assets = categories carrying a fungible balance. Certificates live in
+    // their own pane, so a category that is purely non-fungible does not
+    // take up a row here saying "1 NFT".
+    const cats = allCats.filter((c) => String(balances[c]?.fungible || "0") !== "0");
     setAssetsCount(cats.length);
     const hintEl = $("tokensHint");
-    if (hintEl) hintEl.textContent = "CashTokens held by this wallet. Names come from BCMR — configure custom registries in Settings.";
-    if (!cats.length) return;
+    if (hintEl) hintEl.textContent = "Fungible CashTokens held by this wallet. Names come from BCMR — configure custom registries in Settings.";
     const draw = (metaMap) => {
+      // setAssetsCount already wrote the "no assets" line when there are no
+      // fungible categories; joining an empty list would wipe it. Common
+      // case now that purely-non-fungible categories live in the other pane.
+      if (!cats.length) { renderCerts(balances, metaMap); return; }
       el.innerHTML = cats.map((cat) => {
         const b = balances[cat];
         const meta = metaMap?.[cat] || null;
         const decimals = meta && Number.isFinite(meta.decimals) ? meta.decimals : 0;
         const fungibleRaw = String(b.fungible || "0");
         const showFungible = fungibleRaw !== "0";
-        const nftCount = Array.isArray(b.nfts) ? b.nfts.length : 0;
+
         const name = meta?.name || meta?.symbol || null;
         const symbol = meta?.symbol || "";
         const icon = meta?.iconUri || "";
         const iconHtml = icon ? `<img src="${esc(icon)}" alt="" style="width:18px;height:18px;border-radius:4px;vertical-align:middle;margin-right:6px" onerror="this.style.display='none'">` : "";
         const catShort = cat.slice(0, 10) + "…" + cat.slice(-6);
         const fungibleTxt = showFungible ? fmtTokenAmount(fungibleRaw, decimals) + (symbol ? " " + symbol : "") : "";
-        const nftTxt = nftCount ? `${nftCount} NFT${nftCount === 1 ? "" : "s"}` : "";
-        const amountLine = [fungibleTxt, nftTxt].filter(Boolean).join(" · ") || "—";
+        const amountLine = fungibleTxt || "—";
         const localTag = meta?.local ? ` <span class="ttag" title="A name you set — no registry knows this token">YOURS</span>` : "";
         // Named: name on top, category beneath. Unnamed: the category IS the
         // only identity, so it goes on top and the sub-line says what it is
@@ -3539,12 +3610,14 @@ function renderTokens() {
       el.querySelectorAll("[data-tokname]").forEach((b) => b.addEventListener("click", () => {
         openTokenLabelModal(b.dataset.tokname, metaMap?.[b.dataset.tokname] || null);
       }));
+      renderCerts(balances, metaMap);
     };
     // Paint immediately with whatever we know synchronously so the row
     // set doesn't wait for the network. Then run the async lookup and
     // redraw with names + icons.
     draw({});
-    S.invoke("tokenMetadata", { categories: cats }).then((res) => {
+    if (!allCats.length) return;
+    S.invoke("tokenMetadata", { categories: allCats }).then((res) => {
       if (chain() !== "bch") return;   // user switched away mid-fetch
       // 0.17.0: the reply carries the map under .meta plus whether any
       // registry actually answered. The old shape was the bare map and the
@@ -3983,7 +4056,7 @@ if ($("rcvConsolidateBack")) $("rcvConsolidateBack").addEventListener("click", (
 });
 // Address & QR / Assets — the persistent pair inside the Receive body.
 document.querySelectorAll("[data-rcv-view]").forEach((b) => b.addEventListener("click", () => {
-  rcvView = b.dataset.rcvView === "assets" ? "assets" : "address";
+  rcvView = RCV_VIEWS.includes(b.dataset.rcvView) ? b.dataset.rcvView : "address";
   try { localStorage.setItem("aegis/rcvView", rcvView); } catch (_e) {}
   paintRcvView();
 }));