diff --git a/auth-proxy/public/login.css b/auth-proxy/public/login.css
index 73ced3c..6ca10f2 100644
--- a/auth-proxy/public/login.css
+++ b/auth-proxy/public/login.css
@@ -36,44 +36,45 @@ h2 { font-size: 17px; margin: 0 0 6px; }
 p.lede { color: var(--muted); margin: 0 0 20px; font-size: 14px; }
 p.sub { color: var(--muted); margin: 0 0 12px; font-size: 13.5px; }
 
-/* --- Wallet picker (three big options — Create / Import / Connect) --- */
+/* --- Wallet picker: accordion of three options (Create / Import / Connect) --- */
 .wallet-picker { display: grid; gap: 10px; margin: 8px 0 18px; }
-.wallet-opt {
-  display: grid; grid-template-columns: 40px 1fr; gap: 14px; align-items: start;
-  padding: 14px 16px; background: var(--bg); border: 1px solid var(--border);
-  border-radius: 10px; cursor: pointer; text-align: left; font: inherit; color: var(--text);
-  transition: border-color .1s, background .1s;
+details.wallet-opt {
+  background: var(--bg); border: 1px solid var(--border); border-radius: 10px;
+  overflow: hidden; transition: border-color .1s, background .1s;
 }
-.wallet-opt:hover { border-color: var(--accent); background: var(--card); }
+details.wallet-opt:hover { border-color: var(--accent); }
+details.wallet-opt[open] { border-color: var(--accent); background: var(--card); }
+details.wallet-opt > summary {
+  display: grid; grid-template-columns: 40px 1fr auto; gap: 14px; align-items: start;
+  padding: 14px 16px; cursor: pointer; list-style: none; user-select: none;
+}
+details.wallet-opt > summary::-webkit-details-marker { display: none; }
+details.wallet-opt > summary::marker { content: ""; }
 .wallet-opt .ico { font-size: 24px; line-height: 1; padding-top: 2px; }
-.wallet-opt .body { display: flex; flex-direction: column; gap: 4px; }
+.wallet-opt .body { display: flex; flex-direction: column; gap: 4px; min-width: 0; }
 .wallet-opt b { color: var(--text); font-size: 14.5px; font-weight: 600;
-                display: inline-flex; align-items: center; gap: 8px; }
+                display: inline-flex; align-items: center; gap: 8px; flex-wrap: wrap; }
 .wallet-opt .sub { color: var(--muted); font-size: 13px; line-height: 1.5; }
 .wallet-opt .pill {
   display: inline-block; font-size: 10.5px; padding: 1px 8px; border-radius: 999px;
   background: rgba(255,140,0,.14); color: var(--accent); font-weight: 500;
   letter-spacing: 0.02em; text-transform: lowercase;
 }
+.wallet-opt .chev {
+  color: var(--muted); font-size: 14px; padding-top: 4px;
+  transition: transform .15s ease;
+}
+details.wallet-opt[open] > summary .chev { transform: rotate(180deg); color: var(--accent); }
 p.fine {
   color: var(--muted); font-size: 12.5px; margin: 4px 0 0; text-align: center;
 }
 p.fine a { color: var(--muted); }
 p.fine a:hover { color: var(--text); }
 
-/* --- Selected flow panel (Create/Import/Connect) --- */
-.flow { display: flex; flex-direction: column; gap: 4px; }
-.flow > label { margin-top: 12px; }
-.flow .row {
-  display: flex; gap: 10px; margin-top: 18px; align-items: center;
-}
-.flow .row .primary { flex: 1; margin-top: 0; }
-.flow .row .ghost {
-  background: transparent; border: 1px solid var(--border); color: var(--muted);
-  padding: 10px 14px; border-radius: 8px; font: inherit; font-size: 13.5px;
-  cursor: pointer;
-}
-.flow .row .ghost:hover { color: var(--text); border-color: var(--muted); }
+/* --- Expanded flow inside a wallet-opt --- */
+.wallet-flow { padding: 0 16px 16px 16px; border-top: 1px solid var(--border); }
+.wallet-flow .flow { display: flex; flex-direction: column; gap: 4px; padding-top: 12px; }
+.wallet-flow .flow > label { margin-top: 12px; }
 
 /* --- WizardConnect coming-soon panel --- */
 .wc-supported { display: grid; gap: 8px; margin: 8px 0 14px; }
diff --git a/auth-proxy/public/wallet.js b/auth-proxy/public/wallet.js
index d8a2919..c516d66 100644
--- a/auth-proxy/public/wallet.js
+++ b/auth-proxy/public/wallet.js
@@ -159,115 +159,109 @@ function renderTabs() {
       <h1>Sign in with your <span class="acid">Bitcoin Cash</span> wallet</h1>
       <p class="lede">No email. No password reset. Your wallet is your identity.</p>
       <div class="wallet-picker" id="picker">
-        <button class="wallet-opt" data-choice="create">
-          <span class="ico">✨</span>
-          <span class="body">
-            <b>Create a new wallet<span class="pill">easiest</span></b>
-            <span class="sub">Made here in your browser. You get a recovery phrase to write down — it is the only key.</span>
-          </span>
-        </button>
-        <button class="wallet-opt" data-choice="import">
-          <span class="ico">🔑</span>
-          <span class="body">
-            <b>Import / add a wallet</b>
-            <span class="sub">Restore a wallet you already have from its 12- or 24-word recovery phrase.</span>
-          </span>
-        </button>
-        <button class="wallet-opt" data-choice="connect">
-          <span class="ico">🪄</span>
-          <span class="body">
-            <b>Connect a wallet — WizardConnect<span class="pill">most private</span></b>
-            <span class="sub">Cashonize 0.9+ or Paytaca. Your keys never leave your wallet.</span>
-          </span>
-        </button>
+        <details class="wallet-opt" data-choice="create">
+          <summary>
+            <span class="ico">✨</span>
+            <span class="body">
+              <b>Create a new wallet<span class="pill">easiest</span></b>
+              <span class="sub">Made here in your browser. You get a recovery phrase to write down — it is the only key.</span>
+            </span>
+            <span class="chev" aria-hidden="true">▾</span>
+          </summary>
+          <div class="wallet-flow"></div>
+        </details>
+        <details class="wallet-opt" data-choice="import">
+          <summary>
+            <span class="ico">🔑</span>
+            <span class="body">
+              <b>Import / add a wallet</b>
+              <span class="sub">Restore a wallet you already have from its 12- or 24-word recovery phrase.</span>
+            </span>
+            <span class="chev" aria-hidden="true">▾</span>
+          </summary>
+          <div class="wallet-flow"></div>
+        </details>
+        <details class="wallet-opt" data-choice="connect">
+          <summary>
+            <span class="ico">🪄</span>
+            <span class="body">
+              <b>Connect a wallet — WizardConnect<span class="pill">most private</span></b>
+              <span class="sub">Cashonize 0.9+ or Paytaca. Your keys never leave your wallet.</span>
+            </span>
+            <span class="chev" aria-hidden="true">▾</span>
+          </summary>
+          <div class="wallet-flow"></div>
+        </details>
       </div>
       <p class="fine">Prefer old-school? <a href="/user/login?password=1">Sign in with username &amp; password →</a></p>
-      <div id="panel"></div>
     </div>
   `));
-  app.querySelectorAll(".wallet-opt").forEach((b) => {
-    b.addEventListener("click", () => {
-      // Hide the picker while a specific panel is open
-      app.querySelector("#picker").classList.add("hidden");
-      app.querySelector(".fine")?.classList.add("hidden");
-      renderPanel(b.dataset.choice);
+  app.querySelectorAll("details.wallet-opt").forEach((d) => {
+    d.addEventListener("toggle", () => {
+      if (!d.open) return;
+      // Accordion: close siblings
+      app.querySelectorAll("details.wallet-opt").forEach((other) => {
+        if (other !== d) other.open = false;
+      });
+      // Lazily populate this option's flow content the first time it opens
+      const flow = d.querySelector(".wallet-flow");
+      if (flow && !flow.dataset.ready) {
+        populateFlow(d.dataset.choice, flow);
+        flow.dataset.ready = "1";
+      }
     });
   });
 }
 
-function backToPicker() {
-  app.querySelector("#picker")?.classList.remove("hidden");
-  app.querySelector(".fine")?.classList.remove("hidden");
-  const panel = document.getElementById("panel");
-  if (panel) panel.innerHTML = "";
-}
-
-function renderPanel(kind) {
-  const panel = document.getElementById("panel");
-  panel.innerHTML = "";
+function populateFlow(kind, flow) {
   if (kind === "create") {
     const mnemonic = generateBip39Mnemonic();
-    panel.appendChild(el(`
+    flow.appendChild(el(`
       <div class="flow">
-        <h2>Your new recovery phrase</h2>
-        <p class="sub">Write it down. This is the only way to recover your account — we can never help you reset it.</p>
+        <p class="sub"><b>Your new recovery phrase.</b> Write it down. This is the only way to recover your account — we can never help you reset it.</p>
         <div class="mnemonic-box">${mnemonic}</div>
         <label>Set a passphrase to encrypt this wallet in your browser</label>
-        <input type="password" id="pw" autocomplete="new-password" placeholder="min 8 chars">
+        <input type="password" class="pw" autocomplete="new-password" placeholder="min 8 chars">
         <p class="small">The passphrase never leaves your device. Lose both phrase and passphrase = account is gone.</p>
-        <div class="row">
-          <button class="primary" id="go">Create wallet &amp; sign in</button>
-          <button class="ghost" id="back">← Back</button>
-        </div>
-        <p class="warn hidden" id="err"></p>
+        <button class="primary go">Create wallet &amp; sign in</button>
+        <p class="warn hidden err"></p>
       </div>
     `));
-    panel.querySelector("#back").addEventListener("click", backToPicker);
-    panel.querySelector("#go").addEventListener("click", async () => {
-      const pw = panel.querySelector("#pw").value;
-      if (pw.length < 8) return showErr(panel, "passphrase must be at least 8 chars");
-      await onboardAndLogin(mnemonic, pw, panel);
+    flow.querySelector(".go").addEventListener("click", async () => {
+      const pw = flow.querySelector(".pw").value;
+      if (pw.length < 8) return showErr(flow, "passphrase must be at least 8 chars");
+      await onboardAndLogin(mnemonic, pw, flow);
     });
   } else if (kind === "import") {
-    panel.appendChild(el(`
+    flow.appendChild(el(`
       <div class="flow">
-        <h2>Import a wallet</h2>
         <p class="sub">Paste your BIP-39 recovery phrase (12 or 24 words). Same phrase = same account.</p>
-        <textarea id="mn" spellcheck="false" autocomplete="off" placeholder="word word word ..."></textarea>
+        <textarea class="mn" spellcheck="false" autocomplete="off" placeholder="word word word ..."></textarea>
         <label>Set a passphrase to encrypt this wallet in your browser</label>
-        <input type="password" id="pw" autocomplete="new-password" placeholder="min 8 chars">
-        <div class="row">
-          <button class="primary" id="go">Import &amp; sign in</button>
-          <button class="ghost" id="back">← Back</button>
-        </div>
-        <p class="warn hidden" id="err"></p>
+        <input type="password" class="pw" autocomplete="new-password" placeholder="min 8 chars">
+        <button class="primary go">Import &amp; sign in</button>
+        <p class="warn hidden err"></p>
       </div>
     `));
-    panel.querySelector("#back").addEventListener("click", backToPicker);
-    panel.querySelector("#go").addEventListener("click", async () => {
-      const mn = panel.querySelector("#mn").value.trim().replace(/\s+/g, " ");
-      const pw = panel.querySelector("#pw").value;
-      if (pw.length < 8) return showErr(panel, "passphrase must be at least 8 chars");
+    flow.querySelector(".go").addEventListener("click", async () => {
+      const mn = flow.querySelector(".mn").value.trim().replace(/\s+/g, " ");
+      const pw = flow.querySelector(".pw").value;
+      if (pw.length < 8) return showErr(flow, "passphrase must be at least 8 chars");
       try { await keypairFromMnemonic(mn); }
-      catch { return showErr(panel, "invalid recovery phrase"); }
-      await onboardAndLogin(mn, pw, panel);
+      catch { return showErr(flow, "invalid recovery phrase"); }
+      await onboardAndLogin(mn, pw, flow);
     });
   } else if (kind === "connect") {
-    panel.appendChild(el(`
+    flow.appendChild(el(`
       <div class="flow">
-        <h2>Connect a wallet</h2>
         <p class="sub">Sign the challenge with an external BCH wallet — your keys never leave it. Encrypted end-to-end over Nostr; the relay only sees ciphertext.</p>
         <div class="wc-supported">
           <div class="wc-wallet"><b>Cashonize</b><span>browser extension · v0.9+</span><a href="https://cashonize.com/" target="_blank" rel="noopener">install →</a></div>
           <div class="wc-wallet"><b>Paytaca</b><span>mobile · iOS + Android</span><a href="https://paytaca.com/" target="_blank" rel="noopener">install →</a></div>
         </div>
-        <p class="note-soon"><b>Coming soon.</b> WizardConnect for message-signing is being wired in — for now, use Create or Import above (or the button below to jump back to the picker).</p>
-        <div class="row">
-          <button class="ghost" id="back">← Back to picker</button>
-        </div>
+        <p class="note-soon"><b>Coming soon.</b> WizardConnect for message-signing is being wired in — for now, use Create or Import above.</p>
       </div>
     `));
-    panel.querySelector("#back").addEventListener("click", backToPicker);
   }
 }