OnlyWallet user guide

Who: EveryoneWhere: Welcome screen

1. Open app.onlywallet.in in your browser.
2. Read the intro cards and tap "Get started".
3. Tap "Continue with Google" and pick your Google account.
4. If you see "Could not sign in", check your connection and try again.

• Use the same Google account on every device to reach the same vault.

Who: New usersWhere: Setup

1. Type a master password of at least 10 characters.
2. Watch the strength meter. A password rated Weak is not accepted.
3. Type it again in the confirm box.
4. Wait a few seconds while the app shows "Securing your vault". Deriving your key takes a moment on purpose.

• A passphrase of four or five unrelated words is easier to remember and harder to guess than a short complex password.
• Common words such as cricket, india or a city name lower the score.

Who: New usersWhere: Setup

1. Write the 24 words on paper, in order, exactly as shown.
2. Do not screenshot them or store them in notes, email or cloud storage.
3. Tap "I've saved it".
4. Type the three words the app asks for ("Word #n") from your written copy to confirm.

• The phrase is shown once and never stored. Keep the paper somewhere safe at home.
• Losing both the master password and the phrase means the vault cannot be opened by anyone, including OnlyWallet.

Where: Setup or Settings, Google Drive

1. During setup, tap "Connect Google Drive", or tap "Skip for now" and connect later.
2. Approve access in the Google window. OnlyWallet asks only for files it creates itself.
3. Tap "Open my vault".
4. To connect later, open Settings, then Google Drive, or tap the Drive card on Home.

• Files go into an "OnlyWallet Vault" folder, encrypted, with names that reveal nothing.
• Without Drive you can still save every detail. Only attachments need it.

Who: EveryoneWhere: Unlock screen

1. Open OnlyWallet. You see "Welcome back" with your account email.
2. Type your master password and unlock.
3. Wait a moment while the key is derived, then Home opens.

• After 5 wrong passwords in a row the screen makes you wait before trying again, and the wait grows each time.

Where: Home or Settings, Security

1. Tap the lock icon on Home, or open Settings and tap "Lock now".
2. The vault locks and the unlock screen opens.

• Locking also clears copied secrets from the clipboard and removes temporary decrypted files.

Where: Settings, Security

1. Open Settings and tap "Auto-lock".
2. Choose Immediately, After 1 minute, After 5 minutes or After 15 minutes.

• The vault also locks when the app sits idle on screen for that long without a touch or key press.

Who: Android and iPhone apps (coming soon)Where: Settings, Security

1. Open Settings and switch on "Biometric unlock".
2. Enter your master password to confirm.
3. Next time, the fingerprint or face prompt appears as soon as the unlock screen opens.

• Not available in the web app, where it shows "Not available on this device".
• Re-enrolling fingerprints or faces turns it off. Switch it on again with your password.

Where: Home or Vault

1. Tap "Add item" on Home or in the Vault tab.
2. In "Add to your vault", pick a category, then a template such as Aadhaar, Passport or Health insurance.
3. Fill in the fields. Required fields are marked.
4. Choose who it belongs to and, if you use family or group spaces, where it is saved.
5. Tap "Save to vault".

• Fields such as document numbers, PINs and CVVs are always encrypted.
• Use the "Custom item" template for anything without its own template, and add your own fields.

Where: Add or edit form

1. In the add or edit form, switch on "Mark title private".
2. Save. The title is encrypted, and server-side lists show only the category.

• Reminders for a private item mention only its category.

Where: Add or edit form

1. In the form, type in "Add a tag" and press Enter. You can add up to 50 tags.
2. To connect items, tap "Link items" and pick the related ones.

Where: Item details

1. Open the item and go to Attachments, or attach while creating it.
2. Choose "Choose a file", "Choose a photo" or "Take a photo".
3. The file is encrypted on your device and uploaded to your Google Drive.

• Each file can be up to 25 MB.
• Exporting a decrypted copy shows a warning, because that copy leaves your vault unencrypted.

Where: Item details

1. Open the item and open its menu.
2. Choose Archive to stop its reminders and payment cycles, or "Move to" to move it to another space.
3. Moving re-encrypts the item, its files and its payment history for the new space.

Where: Home or Vault

1. Tap "Upload document" on Home, or the Vault button, then "Scan or upload document".
2. Choose a PDF or image. Up to 8 pages are read.
3. OnlyWallet opens the form for the type it recognised, or asks "What is this document?".
4. In "Check what we found", confirm each field, or pick the right value when it is unsure.
5. Check every field and save.

• If you see "This image is hard to read", choose a clearer image or continue anyway.
• Recognised types include PAN, Aadhaar, driving licence, passport, RC, insurance policies and 10th and 12th marksheets.

Who: Android and iPhone apps (coming soon)Where: Home or Vault

1. Tap "Scan document".
2. Point the camera at the document and capture each page.
3. Confirm the fields and save. The scan is attached when Drive is connected.

Where: Add or edit form

1. In the add or edit form, tap "Fill from document".
2. Pick the file and review "Check what we found".
3. Only empty fields are filled. Values you typed are never replaced.

Where: Payments

1. Open the Payments tab and tap "Add a payment", or add an item from the Payments category.
2. Pick a template such as Loan / EMI, Rent, Utility bill or Subscription.
3. Enter the amount, the due day or next date, and the frequency.
4. Save. Cycles appear in the calendar.

• A due day of 31 becomes the last day in shorter months and returns to the 31st after.

Where: Payments

1. Tap a payment in the Payments list.
2. Choose "Mark as paid".
3. Check the amount paid and the paid-on date, pick the mode (UPI, Card, Net banking, Cash or Auto-debit) and add a note if you like.
4. Save.

• The note is encrypted.

Where: Payments

1. Tap the payment.
2. Choose "Skip this cycle", or "Move back to due" to undo a paid or skipped cycle.

Where: Payments

1. Tap the payment for this month.
2. Choose "Set this cycle's amount" and enter the amount.
3. This cycle keeps its amount even if the typical amount changes later.

Where: Loan item details

1. Open a Loan / EMI item.
2. See the calculated EMI next to the EMI you entered, total interest, total payable, outstanding principal and instalments left.
3. Scroll to the schedule for Month, Principal, Interest and Balance.

Where: Payments or Home

1. Open "Import bill" from the Payments tab or Home.
2. Paste the message, or tap "Paste from clipboard".
3. Check what was found: biller, amount, due date and card or policy digits.
4. Confirm the matching item, or choose that it is something new.
5. Choose "Set this month's amount", "Mark as paid" or "Add as new recurring item".

• The text is read on your device and is not saved unless you switch on "Attach the original text".
• In the Android app you will also be able to use Share, then OnlyWallet, from your messages app.

Where: Settings, Reminders

1. Open Settings and find "Reminders".
2. Switch it on or off. On Android 13 and newer, allow notifications when asked.

• If you see "Notifications are blocked", allow them in your phone or browser settings.

Where: Settings, Reminders

1. In Settings, under Reminders, switch on "Quiet hours".
2. Set "From" and "Until". The default is 10 pm to 8 am.

Where: Settings, Reminders

1. In Settings, under "Remind me about", switch each of the 10 categories on or off.

• Notifications never show secrets, titles or amounts. They say things like "A payment is due soon".

Where: Search

1. Open the Search tab, or press Ctrl+K or Cmd+K in the web app.
2. Type a few letters. Results show where they matched.
3. Use the chips (All, Documents, Payments, Insurance, Passwords, Cards) to narrow down.

• Passwords, PINs, CVVs and authenticator keys are never searchable. Card numbers match by their last four digits only.

Where: Search

1. Open the filters under the search box.
2. Choose a category or profile, or "Expiring in 30d" or "Due this week".
3. Tap "Clear filters" to reset.

Where: Vault, Passwords

1. Add an item with the Login template, or tap "Add login" on the Passwords screen.
2. Enter the site or app, website, username and password.
3. Optionally paste an authenticator key or otpauth link to get one-time codes.
4. Save.

• Sites show as letter avatars, so no third party learns which sites you use.

Where: Home or login form

1. Tap "Generate password" on Home or in a login form.
2. Choose a password (8 to 64 characters) or a passphrase (3 to 12 words).
3. Adjust options such as "Avoid look-alikes".
4. Tap "Use this password" or "Copy instead".

• Copied passwords are cleared from the clipboard after 30 seconds.

Where: Home, Security card

1. Open the Security card on Home.
2. See your score and the logins that are weak, reused, over a year old or without one-time codes.
3. Open a login to change it.

Who: Android app (coming soon)Where: Settings, Autofill

1. Open Settings, then Autofill, and tap "Open Android settings".
2. Choose OnlyWallet as the autofill service.
3. In an app or browser, tap a login field and pick "Unlock OnlyWallet".
4. Unlock, check which app or site is asking, and pick a login.

• In Chrome, also switch on third-party autofill in Chrome's settings.
• The Chrome and Edge extension, also coming soon, does the same on your computer.

Where: Settings, Family & groups

1. Open Settings, then "Family & groups".
2. Tap "Create a family" or "Create a group" and give it a name.
3. Add items to it by choosing the space when you save, or with "Move to".

• A family can have up to 10 app members, plus managed members such as children who do not use the app.

Who: Creator and adminsWhere: Space details

1. Open the space and choose "Invite by email".
2. Enter their email address.
3. Compare the fingerprint with them in person or on a call, then tick "The fingerprint matches".
4. They accept the invitation in their app.

• If they are not on OnlyWallet yet, ask them to sign in once first. OnlyWallet never sends emails.

Where: Settings, Family & groups

1. Get the invite code or link from the creator or an admin.
2. Open "Join with a code" and paste it into "Invite code or link".
3. Check the space name and send the request.
4. Wait until the creator or an admin approves it.

• Codes expire within 31 days and only let you ask. Someone must still approve you.

Where: Space details, Members

1. The creator can do everything, including promoting admins, transferring ownership and deleting the space.
2. Admins invite, approve requests, remove members and edit any item.
3. Members read everything, add items, edit what they created and record payments.

Where: Space details

1. To leave, open the space and tap "Leave".
2. To remove someone, open Members, choose the person and remove them.
3. The space key is replaced so they cannot read anything added later.

Where: Item details

1. Open the item and tap "Share", then "Share link".
2. Choose the access, such as View once, View only or Full access, with or without the original files.
3. Choose when it expires and tap "Create link".
4. Tap "Copy link" and send it.

• The person opening it must sign in to OnlyWallet.
• Anyone who gets the full link can open it until it expires or you revoke it.

Where: Settings, Shared links

1. Open Settings, then "Shared links".
2. Choose the link and tap "Revoke link".

Who: Vault ownerWhere: Settings, Emergency access

1. Ask your contact to sign in to OnlyWallet once.
2. Open Settings, then "Emergency access", and tap "Add a trusted contact".
3. Enter their email address and compare the fingerprint, then tick "The fingerprint matches".
4. Choose a waiting period of 1, 3, 7, 14 or 30 days and send the invitation.

Who: Trusted contactWhere: Settings, Emergency access

1. Open Settings, then "Emergency access".
2. Under "Granted to me", find the invitation and tap "Accept".

Who: Trusted contactWhere: Settings, Emergency access

1. Under "Granted to me", tap "Request access".
2. Wait for the waiting period, unless the owner approves early.
3. When access is granted, tap "Open vault" to see a read-only view.

• Attachments and the owner's shared spaces are not included.

Who: Vault ownerWhere: Home or Settings, Emergency access

1. When a request arrives, tap the banner on Home or open Settings, then "Emergency access".
2. Tap "Reject" to stop it, or "Approve now" to allow it straight away.
3. To end the arrangement, remove the contact. This deletes the grant and the sealed key.

Where: Anywhere

1. Keep using the app. A banner shows that you are offline and how many changes are waiting.
2. When the connection returns, changes are written automatically.
3. Tap the banner, or the Sync card in Settings, to open the Sync screen and tap "Sync now".

• In the web app, files queued while offline are lost if you close the tab before they upload.

Where: Sync screen

1. Open the conflict from the Sync screen or the item.
2. For each difference, pick "Yours" or "Theirs".
3. Tap "Save my choices", or use Keep mine, Keep theirs or Keep both.

Where: Settings, Backup

1. Open Settings and tap "Export encrypted backup".
2. Choose a backup password and confirm it.
3. Optionally include attachments, which makes the file larger.
4. Save the file somewhere safe.

• The backup password is separate from your master password. Without it the file cannot be opened.

Where: Settings, Backup

1. Open Settings and tap "Restore from backup".
2. Pick the file and enter its backup password.
3. Items already in your vault stay as they are. New ones are added.

Where: Vault

1. Open the Vault tab and tap "Recently deleted".
2. Choose an item and tap "Restore", or "Delete now" to remove it for good.
3. "Delete all" empties the list permanently.

Where: Settings, Security

1. Open Settings and tap "Change master password".
2. Enter the current password, then the new one twice.
3. Your items and files stay as they are and your recovery phrase keeps working.

Where: Unlock screen

1. On the unlock screen, tap "Forgot password?".
2. Enter your 24-word recovery phrase.
3. Set and confirm a new master password.

• "That phrase does not belong to this vault" means a word is wrong or in the wrong order.

Where: Settings, Google Drive

1. Open Settings, then Google Drive.
2. Tap "Move files to another Google account" to copy your encrypted files to a new account, or "Disconnect" to remove access.
3. Disconnecting never deletes files from Drive.

Where: Settings, Danger zone

1. Export a backup first if you might need your data.
2. Open Settings and tap "Delete account" in the danger zone.
3. Enter your master password and type DELETE.
4. Sign in with Google again when asked. Your Drive folder, vault data and account are deleted.

• If Drive was not connected, delete the "OnlyWallet Vault" folder from your Drive yourself.