I hope people can understand this screen.

If you have ideas, please let me know (telegram/skype/tweets: @kenCode_de).

If you are at a merchant and you scan their qr code, your wallet can tell if you have shopped there before and prompt you to spend some/all of the Loyalty Points that merchant has given you in the past.

The SEND button is not enabled unless you send at least the amount that the merchant requires from you for the sale.

The send screen also allows you to select existing contacts (the image comes from Gravatar (soon we will add IPFS support too).

I have decided to make the backup asset (see the OP) feature optional (this way you can just disable/hide it from your send screen). You have to admit, Overdraft Protection in a crypto wallet is kinda cool though, right? :)