diff --git a/configs/bank-landing/index.html b/configs/bank-landing/index.html
index 758faf9..4d31411 100644
--- a/configs/bank-landing/index.html
+++ b/configs/bank-landing/index.html
@@ -82,7 +82,6 @@
       border: 1px solid rgba(232, 168, 56, 0.4);
       letter-spacing: 0.04em;
     }
-    .community-note,
     .how-note {
       margin: 0 0 1.15rem;
       padding: 0.8rem 0.95rem;
@@ -91,12 +90,18 @@
       line-height: 1.45;
       text-align: left;
     }
-    .community-note {
-      background: rgba(94, 234, 212, 0.1);
-      border: 1px solid rgba(94, 234, 212, 0.4);
-      color: #ccfbf1;
+    .balance-note {
+      margin: 0.75rem 0 0;
+      padding: 0.55rem 0.7rem;
+      border-radius: 10px;
+      background: rgba(232, 168, 56, 0.08);
+      border: 1px solid rgba(232, 168, 56, 0.32);
+      color: #f5e6c8;
+      font-size: 0.82rem;
+      line-height: 1.4;
+      text-align: left;
     }
-    .community-note strong { color: #5eead4; font-weight: 750; }
+    .balance-note strong { color: #f0c86a; font-weight: 750; }
     .how-note {
       background: rgba(232, 168, 56, 0.08);
       border: 1px solid rgba(232, 168, 56, 0.35);
@@ -307,21 +312,56 @@
     .step-tagline .app-ico.ios { color: #5eead4; }
     .step-tagline .app-ico.android { color: #f0c86a; }
 
+    /* Optional block: collapsed by default, expand like settlement / wallet fold */
     .more-section {
-      margin-top: 2.75rem;
-      padding-top: 1.75rem;
-      border-top: 1px dashed rgba(201, 184, 160, 0.35);
+      margin-top: 1.5rem;
+      margin-bottom: 1.35rem;
+      border: 1px solid rgba(201, 184, 160, 0.4);
+      border-radius: 14px;
+      overflow: hidden;
+      background: rgba(18, 28, 28, 0.55);
     }
     .more-section > .more-label {
-      display: block;
-      text-align: center;
-      font-size: 0.72rem;
-      font-weight: 700;
-      letter-spacing: 0.14em;
-      text-transform: uppercase;
-      color: var(--muted);
-      margin-bottom: 1rem;
+      display: none; /* replaced by toggle */
     }
+    .more-fold-toggle {
+      display: flex;
+      align-items: center;
+      justify-content: space-between;
+      gap: 0.5rem;
+      width: 100%;
+      margin: 0;
+      padding: 0.8rem 0.95rem;
+      border: 0;
+      background: transparent;
+      color: #e8c878;
+      font: inherit;
+      font-size: 0.88rem;
+      font-weight: 750;
+      letter-spacing: 0.04em;
+      text-align: left;
+      cursor: pointer;
+      line-height: 1.3;
+    }
+    .more-fold-toggle:hover {
+      background: rgba(232, 168, 56, 0.1);
+      color: #f0d090;
+    }
+    .more-fold-toggle-text { flex: 1; }
+    .more-fold-chevron {
+      flex-shrink: 0;
+      transition: transform 0.15s ease;
+      color: #3ecfbf;
+      font-size: 0.95rem;
+    }
+    .more-section.open .more-fold-chevron { transform: rotate(90deg); }
+    .more-fold-body {
+      display: none;
+      padding: 0 0.95rem 1.1rem;
+      border-top: 1px solid rgba(201, 184, 160, 0.3);
+    }
+    .more-section.open .more-fold-body { display: block; }
+    .more-fold-body > .more-card { margin-top: 0.85rem; }
     .more-card {
       background: rgba(18, 28, 28, 0.65);
       border: 1px dashed rgba(62, 207, 191, 0.35);
@@ -561,21 +601,166 @@
 <body data-shop-theme="bank">
   <main>
     <header class="hero">
-      <span class="badge">Exploration · GOA</span>
+      <span class="badge">Exploration · GOA · shared account</span>
       <h1>GOA Exploration Bank</h1>
       <p class="sub">
-        Install the wallet, then <strong>one QR</strong> withdraws GOA from a
-        <strong>community-shared bank account</strong> — no personal bank registration.
+        This bank now funds wallets from a <strong>single shared bank account</strong>
+        for everyone. Install the wallet, scan <strong>one QR</strong> — no personal
+        bank registration for the demo.
       </p>
     </header>
 
-    <p class="community-note" role="note">
-      <strong>Community pool.</strong>
-      Demo GOA comes from one shared exploration account used by everyone on this site
-      (not your private bank login). Balance is shared; amounts are small; for play only.
-    </p>
+    <!-- ========== STEP 1: install apps ========== -->
+    <section class="step-card" aria-labelledby="step1-title">
+      <h2 id="step1-title"><span class="step-num">1</span> Get the wallet</h2>
+      <div class="step-body">
+        <div class="app-links">
+          <a class="app-btn"
+             href="https://play.google.com/store/apps/details?id=net.taler.wallet"
+             target="_blank" rel="noopener noreferrer"
+             aria-label="Android Play Store">
+            <svg class="app-ico" viewBox="0 0 24 24" aria-hidden="true"><path d="M8.2 2.4l-.9-1.6c-.1-.2 0-.4.2-.5.2-.1.4 0 .5.2l.9 1.6c.8-.3 1.7-.5 2.6-.5s1.8.2 2.6.5l.9-1.6c.1-.2.3-.3.5-.2.2.1.3.3.2.5l-.9 1.6c1.8.8 3.1 2.5 3.3 4.6H4.9c.2-2.1 1.5-3.8 3.3-4.6zM7 8.5c.6 0 1 .4 1 1s-.4 1-1 1-1-.4-1-1 .4-1 1-1zm10 0c.6 0 1 .4 1 1s-.4 1-1 1-1-.4-1-1 .4-1 1-1zM5 10.5h14c.6 0 1 .4 1 1v6.2c0 1.3-1 2.3-2.3 2.3h-.5v2.2c0 .5-.4.9-.9.9s-.9-.4-.9-.9v-2.2h-4.8v2.2c0 .5-.4.9-.9.9s-.9-.4-.9-.9v-2.2h-.5C5.9 20 5 19 5 17.7v-6.2c0-.6.4-1 1-1z"/></svg>
+            Play Store
+          </a>
+          <a class="app-btn"
+             href="https://f-droid.org/en/packages/net.taler.wallet.fdroid/"
+             target="_blank" rel="noopener noreferrer"
+             aria-label="Android F-Droid">
+            <svg class="app-ico" viewBox="0 0 24 24" aria-hidden="true"><path d="M8.2 2.4l-.9-1.6c-.1-.2 0-.4.2-.5.2-.1.4 0 .5.2l.9 1.6c.8-.3 1.7-.5 2.6-.5s1.8.2 2.6.5l.9-1.6c.1-.2.3-.3.5-.2.2.1.3.3.2.5l-.9 1.6c1.8.8 3.1 2.5 3.3 4.6H4.9c.2-2.1 1.5-3.8 3.3-4.6zM7 8.5c.6 0 1 .4 1 1s-.4 1-1 1-1-.4-1-1 .4-1 1-1zm10 0c.6 0 1 .4 1 1s-.4 1-1 1-1-.4-1-1 .4-1 1-1zM5 10.5h14c.6 0 1 .4 1 1v6.2c0 1.3-1 2.3-2.3 2.3h-.5v2.2c0 .5-.4.9-.9.9s-.9-.4-.9-.9v-2.2h-4.8v2.2c0 .5-.4.9-.9.9s-.9-.4-.9-.9v-2.2h-.5C5.9 20 5 19 5 17.7v-6.2c0-.6.4-1 1-1z"/></svg>
+            F-Droid
+          </a>
+          <a class="app-btn ios"
+             href="https://apps.apple.com/app/taler-wallet/id6463440117"
+             target="_blank" rel="noopener noreferrer"
+             aria-label="iOS App Store">
+            <svg class="app-ico" viewBox="0 0 24 24" aria-hidden="true"><path d="M16.7 12.6c0-2.1 1.7-3.1 1.8-3.2-1-1.4-2.5-1.6-3-1.7-1.3-.1-2.5.8-3.1.8s-1.6-.7-2.7-.7c-1.4 0-2.7.8-3.4 2.1-1.5 2.5-.4 6.3 1 8.3.7 1 1.5 2.1 2.6 2 1-.1 1.5-.7 2.8-.7s1.7.7 2.8.7 1.9-1 2.6-2c.8-1.1 1.1-2.2 1.1-2.3-.1 0-2.2-.8-2.2-3.3zm-2-6.2c.6-.7 1-1.7.9-2.7-1 .1-2.1.6-2.8 1.4-.6.7-1.1 1.7-.9 2.6 1 .1 2-.5 2.8-1.3z"/></svg>
+            App Store
+          </a>
+          <a class="app-btn hub"
+             href="https://wallet.taler.net/"
+             target="_blank" rel="noopener noreferrer"
+             aria-label="Web browsers (experimental): Chrome, Firefox, Edge, Brave">
+            <span class="hub-icons" aria-hidden="true" title="Chrome · Firefox · Edge · Brave">
+              <svg class="app-ico browser-ico" viewBox="0 0 24 24" role="img" aria-label="Chrome">
+                <circle cx="12" cy="12" r="10" fill="#DEE1E6"/>
+                <path fill="#EA4335" d="M12 2a10 10 0 0 1 8.66 5H12a4 4 0 0 0-3.46 2L5.1 4.1A10 10 0 0 1 12 2z"/>
+                <path fill="#FBBC04" d="M20.66 7A10 10 0 0 1 12 22l3.46-6A4 4 0 0 0 12 8h8.66z"/>
+                <path fill="#34A853" d="M5.1 4.1 8.54 9A4 4 0 0 0 12 16l-3.46 6A10 10 0 0 1 5.1 4.1z"/>
+                <circle cx="12" cy="12" r="4" fill="#fff"/>
+                <circle cx="12" cy="12" r="3.1" fill="#4285F4"/>
+              </svg>
+              <svg class="app-ico browser-ico" viewBox="0 0 24 24" role="img" aria-label="Firefox">
+                <circle cx="12" cy="12.2" r="8.2" fill="#9059FF"/>
+                <path fill="#FF7139" d="M20.2 9.2c-.2-1.4-1.1-2.6-2.2-3.4.5 1.1.6 2.3.3 3.4-.9-1.6-2.5-2.6-4.4-2.6-1.3 0-2.5.4-3.4 1.1C9.3 5.4 10.9 3.8 13 3.2c-2.5.1-4.7 1.4-6.1 3.4C5.3 8.2 4.6 10.2 4.8 12.3c.3 3.9 3.5 7 7.4 7.1 3.6.1 6.7-2.2 7.7-5.5.4-1.4.4-2.9.3-4.7z"/>
+                <path fill="#FFD567" d="M12.1 9.4c1.6 0 2.9.9 3.5 2.2-.7-.4-1.5-.6-2.4-.6-2.2 0-4 1.6-4.2 3.7-.5-.8-.7-1.8-.6-2.8.4-1.5 1.8-2.5 3.7-2.5z"/>
+                <circle cx="12.2" cy="13.4" r="2.35" fill="#20123A"/>
+              </svg>
+              <svg class="app-ico browser-ico" viewBox="0 0 24 24" role="img" aria-label="Edge">
+                <defs>
+                  <linearGradient id="edge-g-bank" x1="4" y1="4" x2="20" y2="20" gradientUnits="userSpaceOnUse">
+                    <stop stop-color="#0C59A4"/>
+                    <stop offset="0.55" stop-color="#1B9DE2"/>
+                    <stop offset="1" stop-color="#36C5F0"/>
+                  </linearGradient>
+                </defs>
+                <circle cx="12" cy="12" r="10" fill="url(#edge-g-bank)"/>
+                <path fill="#fff" d="M6.2 14.6c.6 3.1 3.3 5.4 6.6 5.4 3.7 0 6.7-2.7 7.1-6.2-1.4 1.7-3.6 2.7-6 2.7-1.5 0-2.9-.4-4-1.2.6.1 1.2.2 1.8.2 3.4 0 5.9-1.9 5.9-4.6 0-.7-.2-1.3-.5-1.9-1.4-2.5-4.3-3.6-7.2-2.7C7.1 7.2 5.3 9.6 5.3 12.3c0 .8.2 1.6.5 2.3h.4z"/>
+                <path fill="#9CE4FA" opacity="0.9" d="M12.8 8.1c1.9 0 3.5 1.1 3.5 2.8 0 1.9-1.8 3.2-4.4 3.2-1.4 0-2.6-.4-3.5-1 1.5 2.1 4.1 3.2 6.7 2.8 2.2-.3 3.9-1.9 4.4-4-1.1 1.1-2.7 1.7-4.4 1.7-1.6 0-2.9-.7-2.9-1.9 0-1.1 1-1.9 2.5-2.1.4-.1.7-.3.9-.5-.8-.6-1.7-.9-2.8-.9z"/>
+              </svg>
+              <svg class="app-ico browser-ico" viewBox="0 0 24 24" role="img" aria-label="Brave">
+                <path fill="#FB542B" d="M12 2.2 4.8 5.1v5.6c0 5.1 3.4 9.8 7.2 11.1 3.8-1.3 7.2-6 7.2-11.1V5.1L12 2.2z"/>
+                <path fill="#fff" d="M12 5.1 8.1 6.7l.7 1.5L7.2 10l1.5.9L7.6 13.2l2.2.4L12 18.2l2.2-4.6 2.2-.4-1.1-2.3 1.5-.9-1.6-1.8.7-1.5L12 5.1z"/>
+                <path fill="#FB542B" d="M12 7.2 10.3 8l.5 1.1h2.4l.5-1.1L12 7.2zm-1.6 3.1L9.2 11.6l.9.5.4-1.8h-.1zm3.2 0h-.1l.4 1.8.9-.5-1.2-1.3zM10.4 13l-.5 1.1L12 16.1l2.1-2-.5-1.1h-3.2z"/>
+              </svg>
+            </span>
+            Web browsers (experimental)
+          </a>
+        </div>
+      </div>
+    </section>
 
-    <!-- ========== LIVE STATS ========== -->
+    <!-- ========== STEP 2: one-click community pool withdraw ========== -->
+    <section class="step-card step-money" id="withdraw" aria-labelledby="step2-title">
+      <h2 id="step2-title"><span class="step-num">2</span> Withdraw from shared account</h2>
+      <p class="step-tagline">One QR · shared community bank account · no registration</p>
+      <div class="step-body">
+        <div class="qr-box">
+          <div id="qr-withdraw-demo"></div>
+          <div class="qr-label">Shared account · scan or open in wallet</div>
+        </div>
+        <a class="cta teal" id="open-withdraw-demo" href="#">
+          Open shared withdraw →
+        </a>
+        <p class="meta" id="withdraw-demo-meta">Preparing shared-account withdraw…</p>
+        <p class="meta" id="withdraw-demo-amount" hidden></p>
+        <button type="button" class="cta-sec" id="withdraw-demo-refresh" style="margin-top:0.5rem">
+          Get a fresh QR
+        </button>
+        <p class="balance-note" role="note">
+          <strong>Surprising balance?</strong>
+          Shared pool currently holds
+          <strong id="shared-balance">…</strong>
+          — that is the communal demo account, not yours. You only receive the
+          small withdraw amount into your wallet.
+        </p>
+      </div>
+    </section>
+
+    <aside class="how-note" aria-labelledby="how-title">
+      <strong id="how-title">How the shared account works</strong>
+      <ol>
+        <li><strong>Now live:</strong> one <strong>shared bank account</strong> (community pool) already holds GOA for everyone.</li>
+        <li>Each “Open shared withdraw” / QR is a <strong>one-shot withdraw from that shared account</strong> — you do <em>not</em> log into the bank for this step.</li>
+        <li>Your GNU Taler app receives coins after the bank confirms (automatic on this demo).</li>
+        <li>Optional below: register your <em>own</em> bank UI account only if you want a private balance separate from the pool.</li>
+      </ol>
+    </aside>
+
+    <!-- ========== Optional bank UI + mini GOA shop (collapsed) ========== -->
+    <div class="more-section" id="more-fold">
+      <button type="button" class="more-fold-toggle" id="more-fold-toggle"
+              aria-expanded="false" aria-controls="more-fold-body">
+        <span class="more-fold-toggle-text">Optional · bank UI &amp; GOA shop</span>
+        <span class="more-fold-chevron" aria-hidden="true">›</span>
+      </button>
+      <div class="more-fold-body" id="more-fold-body" hidden>
+        <div class="more-card">
+          <h2>Own bank account?</h2>
+          <p>Register in the bank UI for your own balance (separate from the shared pool).</p>
+          <div class="more-qr">
+            <div class="qr-box">
+              <div id="qr-webui"></div>
+              <div class="qr-label">Bank UI · register / login</div>
+            </div>
+          </div>
+          <div class="more-actions">
+            <a class="cta-sec" href="/webui/">Open bank UI →</a>
+          </div>
+        </div>
+
+        <aside class="shop-box shop-mini" aria-labelledby="shop-title" style="margin-top:1rem">
+          <h2 id="shop-title">GOA shop · samples</h2>
+          <p class="shop-lead">Tap → pay link · more at merchant</p>
+          <div class="shop-grid">
+            <button type="button" class="shop-item" data-product="orbit-sticker">
+              <span class="emoji" aria-hidden="true">🪐</span>
+              <span class="name">Orbit sticker pack</span>
+              <span class="price">GOA:2</span>
+            </button>
+            <button type="button" class="shop-item" data-product="nebula-coffee">
+              <span class="emoji" aria-hidden="true">☕</span>
+              <span class="name">Nebula coffee</span>
+              <span class="price">GOA:5</span>
+            </button>
+          </div>
+          <p class="shop-foot">
+            <a href="https://taler.hacktivism.ch/intro/">For more → taler.hacktivism.ch</a>
+          </p>
+        </aside>
+      </div>
+    </div>
+
+    <!-- ========== LIVE STATS (before performance) ========== -->
     <section class="stats" id="stats" aria-labelledby="stats-title" hidden>
       <h2 id="stats-title">GOA flow</h2>
       <div class="stats-grid">
@@ -660,143 +845,6 @@
       <p class="stats-foot" id="st-perf-foot">Memory from /proc + cgroup inside podman container.</p>
     </section>
 
-    <!-- ========== STEP 1: install apps ========== -->
-    <section class="step-card" aria-labelledby="step1-title">
-      <h2 id="step1-title"><span class="step-num">1</span> Get the wallet</h2>
-      <div class="step-body">
-        <div class="app-links">
-          <a class="app-btn"
-             href="https://play.google.com/store/apps/details?id=net.taler.wallet"
-             target="_blank" rel="noopener noreferrer"
-             aria-label="Android Play Store">
-            <svg class="app-ico" viewBox="0 0 24 24" aria-hidden="true"><path d="M8.2 2.4l-.9-1.6c-.1-.2 0-.4.2-.5.2-.1.4 0 .5.2l.9 1.6c.8-.3 1.7-.5 2.6-.5s1.8.2 2.6.5l.9-1.6c.1-.2.3-.3.5-.2.2.1.3.3.2.5l-.9 1.6c1.8.8 3.1 2.5 3.3 4.6H4.9c.2-2.1 1.5-3.8 3.3-4.6zM7 8.5c.6 0 1 .4 1 1s-.4 1-1 1-1-.4-1-1 .4-1 1-1zm10 0c.6 0 1 .4 1 1s-.4 1-1 1-1-.4-1-1 .4-1 1-1zM5 10.5h14c.6 0 1 .4 1 1v6.2c0 1.3-1 2.3-2.3 2.3h-.5v2.2c0 .5-.4.9-.9.9s-.9-.4-.9-.9v-2.2h-4.8v2.2c0 .5-.4.9-.9.9s-.9-.4-.9-.9v-2.2h-.5C5.9 20 5 19 5 17.7v-6.2c0-.6.4-1 1-1z"/></svg>
-            Play Store
-          </a>
-          <a class="app-btn"
-             href="https://f-droid.org/en/packages/net.taler.wallet.fdroid/"
-             target="_blank" rel="noopener noreferrer"
-             aria-label="Android F-Droid">
-            <svg class="app-ico" viewBox="0 0 24 24" aria-hidden="true"><path d="M8.2 2.4l-.9-1.6c-.1-.2 0-.4.2-.5.2-.1.4 0 .5.2l.9 1.6c.8-.3 1.7-.5 2.6-.5s1.8.2 2.6.5l.9-1.6c.1-.2.3-.3.5-.2.2.1.3.3.2.5l-.9 1.6c1.8.8 3.1 2.5 3.3 4.6H4.9c.2-2.1 1.5-3.8 3.3-4.6zM7 8.5c.6 0 1 .4 1 1s-.4 1-1 1-1-.4-1-1 .4-1 1-1zm10 0c.6 0 1 .4 1 1s-.4 1-1 1-1-.4-1-1 .4-1 1-1zM5 10.5h14c.6 0 1 .4 1 1v6.2c0 1.3-1 2.3-2.3 2.3h-.5v2.2c0 .5-.4.9-.9.9s-.9-.4-.9-.9v-2.2h-4.8v2.2c0 .5-.4.9-.9.9s-.9-.4-.9-.9v-2.2h-.5C5.9 20 5 19 5 17.7v-6.2c0-.6.4-1 1-1z"/></svg>
-            F-Droid
-          </a>
-          <a class="app-btn ios"
-             href="https://apps.apple.com/app/taler-wallet/id6463440117"
-             target="_blank" rel="noopener noreferrer"
-             aria-label="iOS App Store">
-            <svg class="app-ico" viewBox="0 0 24 24" aria-hidden="true"><path d="M16.7 12.6c0-2.1 1.7-3.1 1.8-3.2-1-1.4-2.5-1.6-3-1.7-1.3-.1-2.5.8-3.1.8s-1.6-.7-2.7-.7c-1.4 0-2.7.8-3.4 2.1-1.5 2.5-.4 6.3 1 8.3.7 1 1.5 2.1 2.6 2 1-.1 1.5-.7 2.8-.7s1.7.7 2.8.7 1.9-1 2.6-2c.8-1.1 1.1-2.2 1.1-2.3-.1 0-2.2-.8-2.2-3.3zm-2-6.2c.6-.7 1-1.7.9-2.7-1 .1-2.1.6-2.8 1.4-.6.7-1.1 1.7-.9 2.6 1 .1 2-.5 2.8-1.3z"/></svg>
-            App Store
-          </a>
-          <a class="app-btn hub"
-             href="https://wallet.taler.net/"
-             target="_blank" rel="noopener noreferrer"
-             aria-label="Web browsers (experimental): Chrome, Firefox, Edge, Brave">
-            <span class="hub-icons" aria-hidden="true" title="Chrome · Firefox · Edge · Brave">
-              <svg class="app-ico browser-ico" viewBox="0 0 24 24" role="img" aria-label="Chrome">
-                <circle cx="12" cy="12" r="10" fill="#DEE1E6"/>
-                <path fill="#EA4335" d="M12 2a10 10 0 0 1 8.66 5H12a4 4 0 0 0-3.46 2L5.1 4.1A10 10 0 0 1 12 2z"/>
-                <path fill="#FBBC04" d="M20.66 7A10 10 0 0 1 12 22l3.46-6A4 4 0 0 0 12 8h8.66z"/>
-                <path fill="#34A853" d="M5.1 4.1 8.54 9A4 4 0 0 0 12 16l-3.46 6A10 10 0 0 1 5.1 4.1z"/>
-                <circle cx="12" cy="12" r="4" fill="#fff"/>
-                <circle cx="12" cy="12" r="3.1" fill="#4285F4"/>
-              </svg>
-              <svg class="app-ico browser-ico" viewBox="0 0 24 24" role="img" aria-label="Firefox">
-                <circle cx="12" cy="12.2" r="8.2" fill="#9059FF"/>
-                <path fill="#FF7139" d="M20.2 9.2c-.2-1.4-1.1-2.6-2.2-3.4.5 1.1.6 2.3.3 3.4-.9-1.6-2.5-2.6-4.4-2.6-1.3 0-2.5.4-3.4 1.1C9.3 5.4 10.9 3.8 13 3.2c-2.5.1-4.7 1.4-6.1 3.4C5.3 8.2 4.6 10.2 4.8 12.3c.3 3.9 3.5 7 7.4 7.1 3.6.1 6.7-2.2 7.7-5.5.4-1.4.4-2.9.3-4.7z"/>
-                <path fill="#FFD567" d="M12.1 9.4c1.6 0 2.9.9 3.5 2.2-.7-.4-1.5-.6-2.4-.6-2.2 0-4 1.6-4.2 3.7-.5-.8-.7-1.8-.6-2.8.4-1.5 1.8-2.5 3.7-2.5z"/>
-                <circle cx="12.2" cy="13.4" r="2.35" fill="#20123A"/>
-              </svg>
-              <svg class="app-ico browser-ico" viewBox="0 0 24 24" role="img" aria-label="Edge">
-                <defs>
-                  <linearGradient id="edge-g-bank" x1="4" y1="4" x2="20" y2="20" gradientUnits="userSpaceOnUse">
-                    <stop stop-color="#0C59A4"/>
-                    <stop offset="0.55" stop-color="#1B9DE2"/>
-                    <stop offset="1" stop-color="#36C5F0"/>
-                  </linearGradient>
-                </defs>
-                <circle cx="12" cy="12" r="10" fill="url(#edge-g-bank)"/>
-                <path fill="#fff" d="M6.2 14.6c.6 3.1 3.3 5.4 6.6 5.4 3.7 0 6.7-2.7 7.1-6.2-1.4 1.7-3.6 2.7-6 2.7-1.5 0-2.9-.4-4-1.2.6.1 1.2.2 1.8.2 3.4 0 5.9-1.9 5.9-4.6 0-.7-.2-1.3-.5-1.9-1.4-2.5-4.3-3.6-7.2-2.7C7.1 7.2 5.3 9.6 5.3 12.3c0 .8.2 1.6.5 2.3h.4z"/>
-                <path fill="#9CE4FA" opacity="0.9" d="M12.8 8.1c1.9 0 3.5 1.1 3.5 2.8 0 1.9-1.8 3.2-4.4 3.2-1.4 0-2.6-.4-3.5-1 1.5 2.1 4.1 3.2 6.7 2.8 2.2-.3 3.9-1.9 4.4-4-1.1 1.1-2.7 1.7-4.4 1.7-1.6 0-2.9-.7-2.9-1.9 0-1.1 1-1.9 2.5-2.1.4-.1.7-.3.9-.5-.8-.6-1.7-.9-2.8-.9z"/>
-              </svg>
-              <svg class="app-ico browser-ico" viewBox="0 0 24 24" role="img" aria-label="Brave">
-                <path fill="#FB542B" d="M12 2.2 4.8 5.1v5.6c0 5.1 3.4 9.8 7.2 11.1 3.8-1.3 7.2-6 7.2-11.1V5.1L12 2.2z"/>
-                <path fill="#fff" d="M12 5.1 8.1 6.7l.7 1.5L7.2 10l1.5.9L7.6 13.2l2.2.4L12 18.2l2.2-4.6 2.2-.4-1.1-2.3 1.5-.9-1.6-1.8.7-1.5L12 5.1z"/>
-                <path fill="#FB542B" d="M12 7.2 10.3 8l.5 1.1h2.4l.5-1.1L12 7.2zm-1.6 3.1L9.2 11.6l.9.5.4-1.8h-.1zm3.2 0h-.1l.4 1.8.9-.5-1.2-1.3zM10.4 13l-.5 1.1L12 16.1l2.1-2-.5-1.1h-3.2z"/>
-              </svg>
-            </span>
-            Web browsers (experimental)
-          </a>
-        </div>
-      </div>
-    </section>
-
-    <!-- ========== STEP 2: one-click community pool withdraw ========== -->
-    <section class="step-card step-money" id="withdraw" aria-labelledby="step2-title">
-      <h2 id="step2-title"><span class="step-num">2</span> Withdraw GOA</h2>
-      <p class="step-tagline">One QR · community-shared account · no registration</p>
-      <div class="step-body">
-        <div class="qr-box">
-          <div id="qr-withdraw-demo"></div>
-          <div class="qr-label">Scan or open in wallet</div>
-        </div>
-        <a class="cta teal" id="open-withdraw-demo" href="#">
-          Open in wallet →
-        </a>
-        <p class="meta" id="withdraw-demo-meta">Preparing community withdraw…</p>
-        <p class="meta" id="withdraw-demo-amount" hidden></p>
-        <button type="button" class="cta-sec" id="withdraw-demo-refresh" style="margin-top:0.5rem">
-          Get a fresh QR
-        </button>
-      </div>
-    </section>
-
-    <aside class="how-note" aria-labelledby="how-title">
-      <strong id="how-title">How this works</strong>
-      <ol>
-        <li>A <strong>community-shared bank account</strong> (demo pool) already holds GOA.</li>
-        <li>Each “Open in wallet” / QR creates a <strong>one-shot withdraw</strong> from that pool — you do <em>not</em> open your own bank account.</li>
-        <li>Your GNU Taler app receives coins after the bank confirms (automatic on this demo).</li>
-        <li>Optional below: register your <em>own</em> bank UI account if you want a private balance.</li>
-      </ol>
-    </aside>
-
-    <!-- ========== Optional bank UI + mini GOA shop teaser ========== -->
-    <div class="more-section">
-      <span class="more-label">Optional · bank UI &amp; GOA shop</span>
-      <div class="more-card">
-        <h2>Own bank account?</h2>
-        <p>Register in the bank UI for your own balance.</p>
-        <div class="more-qr">
-          <div class="qr-box">
-            <div id="qr-webui"></div>
-            <div class="qr-label">Bank UI · register / login</div>
-          </div>
-        </div>
-        <div class="more-actions">
-          <a class="cta-sec" href="/webui/">Open bank UI →</a>
-        </div>
-      </div>
-
-      <aside class="shop-box shop-mini" aria-labelledby="shop-title" style="margin-top:1rem">
-        <h2 id="shop-title">GOA shop · samples</h2>
-        <p class="shop-lead">Tap → pay link · more at merchant</p>
-        <div class="shop-grid">
-          <button type="button" class="shop-item" data-product="orbit-sticker">
-            <span class="emoji" aria-hidden="true">🪐</span>
-            <span class="name">Orbit sticker pack</span>
-            <span class="price">GOA:2</span>
-          </button>
-          <button type="button" class="shop-item" data-product="nebula-coffee">
-            <span class="emoji" aria-hidden="true">☕</span>
-            <span class="name">Nebula coffee</span>
-            <span class="price">GOA:5</span>
-          </button>
-        </div>
-        <p class="shop-foot">
-          <a href="https://taler.hacktivism.ch/intro/">For more → taler.hacktivism.ch</a>
-        </p>
-      </aside>
-    </div>
-
     <footer>
       hacktivism.ch ·
       <a href="https://bank.hacktivism.ch/intro/">Bank</a> ·
@@ -878,7 +926,7 @@
       if (amtEl) {
         if (amount) {
           amtEl.hidden = false;
-          amtEl.textContent = "Amount: " + amount + " · from community pool";
+          amtEl.textContent = "Amount: " + amount + " · from shared account";
         } else {
           amtEl.hidden = true;
         }
@@ -934,7 +982,31 @@
     loadDemoWithdraw();
     var refreshBtn = document.getElementById("withdraw-demo-refresh");
     if (refreshBtn) refreshBtn.onclick = function () { loadDemoWithdraw(); };
-    makeQr(document.getElementById("qr-webui"), WEBUI);
+
+    /* Optional bank UI + shop: collapsed until click (like settlement QR fold) */
+    (function () {
+      var fold = document.getElementById("more-fold");
+      var btn = document.getElementById("more-fold-toggle");
+      var body = document.getElementById("more-fold-body");
+      if (!fold || !btn || !body) return;
+      var webuiPainted = false;
+      function paintWebuiQr() {
+        if (webuiPainted) return;
+        makeQr(document.getElementById("qr-webui"), WEBUI);
+        webuiPainted = true;
+      }
+      btn.addEventListener("click", function () {
+        var open = !fold.classList.contains("open");
+        fold.classList.toggle("open", open);
+        btn.setAttribute("aria-expanded", open ? "true" : "false");
+        if (open) {
+          body.removeAttribute("hidden");
+          paintWebuiQr();
+        } else {
+          body.setAttribute("hidden", "");
+        }
+      });
+    })();
 
     function fmtCest(unix, fallback) {
       var base = "";
@@ -988,6 +1060,7 @@
           set("st-withdraw", fwd.amount || w.total_amount || "—");
           set("st-24h", h24.amount || "GOA:0");
           set("st-7d", h7.amount || "GOA:0");
+          set("shared-balance", d.balance_explorer || "—");
 
           var list = document.getElementById("st-recent");
           if (list) {
