# Create, address and receive original Notes

Carry funded Reserve, Settlement or combined value in its supported original, preserving composition and recipient continuity.

Canonical: https://docs.bankeiz.com/notes/
Reviewed: 2026-10-25; coordinated packages 129.0.0; ruleset 127.0.0.

## Choose the actual funded form

**The title follows the admitted funding**

| Form | Caption | Preserved basis |
| --- | --- | --- |
| Reserve Note | Proof-backed value | Original USD denomination and admitted backing Phi. |
| Settlement Note | Proof-native value | Exact accepted Settlement Phi. |
| Settlement Reserve Note | Proof-backed Native value | Both original funded components. |

The interface selects the supported composition automatically. Preview artwork is unissued. A picture, denomination change or copied file cannot create another funded Note. Connected creation uses the existing account authorization and writer without requiring enrollment for protected offline custody.

## Create and save

1. **Open Create note** — From Send, enter Note amount and choose Review note.
2. **Review the composition** — Inspect the amount and any mixed Reserve/Settlement breakdown.
3. **Create funded note** — Approve the supported exact operation. An expired review must be prepared again before execution.
4. **Save the original** — Use Save note image or Download original PNG. Keep the current original rather than a screenshot or photo-app conversion.

## Address the original to an account

1. **Recipient creates a request** — Receive → Deposit note → Create receiving request. Send the downloaded original JSON request to the holder.
2. **Holder opens the Note** — Choose Send using a receiving request and select that exact request.
3. **Holder saves the successor** — Save and send the updated original PNG, whose handover binds the actual recipient.

The request binds the receiving account and identity key. A username is presentation. Forwarding the addressed file cannot change the recipient. An interrupted handover uses Resume transfer for the original operation.

## Receive and confirm account credit

The recipient opens Deposit note, chooses the original image, inspects its exact value/rail and uses Deposit note. Offline, Your note is received means its supported proof is retained; it appears in Received Notes and is excluded from confirmed spendable account credit. On connection the existing once-only redemption admits the complete credit. Added to your account describes that accepted result. Save deposit proof retains its evidence.

## Preserve custody and pending work

The private Note key and unresolved operations are retained in their protected local environment. A shared public PNG excludes that key and private account openings. Identity backup, a copied image and proof import do not restore device-bound spend authority. Keep the original device and exact references until issue, handover or credit is resolved. Unknown image packaging or issuance must resume the original result without another debit.

- [Offline capability matrix](https://docs.bankeiz.com/offline/)
- [Backups and device changes](https://docs.bankeiz.com/backup/)

## Implementation sources

- [Actual Note controls and result states](https://github.com/kojibai/reality-grade-banking/blob/6c5d582/src/features/notes/OfflineNotes.tsx)
- [Connected Note financial contract](https://github.com/kojibai/reality-grade-banking/blob/6c5d582/docs/connected-notes-v129.md)
- [Signed rails and composition](https://github.com/kojibai/reality-grade-banking/blob/6c5d582/docs/settlement-note-contract.md)
- [Account-destination receipt and credit](https://github.com/kojibai/reality-grade-banking/blob/6c5d582/docs/note-account-deposit-v129.md)

## Related documentation

- [Use proof and Notes offline](https://docs.bankeiz.com/offline/)
- [Reserve, Settlement and funding composition](https://docs.bankeiz.com/reserve-settlement/)
- [Back up identity and proof originals](https://docs.bankeiz.com/backup/)
- [Recover the established operation](https://docs.bankeiz.com/recovery/)