diff --git a/public/admin.html b/public/admin.html
index a9c69ff..929d41c 100644
--- a/public/admin.html
+++ b/public/admin.html
@@ -6,7 +6,7 @@
 <title>Admin | InstantAdPay</title>
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
 <link rel="icon" type="image/png" href="/logo-icon.png">
-<link rel="stylesheet" href="/assets/site.css?v=20260910e">
+<link rel="stylesheet" href="/assets/site.css?v=20260910f">
 <style>
   .adm-table th,.adm-table td{padding:8px 10px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line);font-size:13.5px}
   .adm-table th{color:var(--muted);font-size:11.5px;text-transform:uppercase;letter-spacing:.08em}
diff --git a/public/assets/my.js b/public/assets/my.js
index 127e8de..caaf74c 100644
--- a/public/assets/my.js
+++ b/public/assets/my.js
@@ -486,7 +486,10 @@
     document.getElementById('memberArea').classList.toggle('side-open'));
 
   async function render() {
-    const me = await IAP.refreshNavWallet();
+    // while /api/me answers, show a spinner instead of flashing the sign-in card at a signed-in member
+    let me = null;
+    try { me = await IAP.refreshNavWallet(); } catch (e) { me = null; }
+    if ($('bootSpin')) $('bootSpin').hidden = true;
     // one way in: email. A wallet-only session (no account) is sent back to the
     // email card with a finish-setup note; verifying the code links that wallet.
     const walletOnly = !!(me && me.signedIn && !me.email);
diff --git a/public/assets/site.css b/public/assets/site.css
index 5525eff..d2bbdfd 100644
--- a/public/assets/site.css
+++ b/public/assets/site.css
@@ -210,6 +210,9 @@ tr:last-child td{border-bottom:0}
 .spend-banner .sub{color:var(--ink);font-size:15px}
 .spend-banner .rates{display:flex;gap:8px 18px;flex-wrap:wrap;justify-content:center;margin-top:12px;font-size:12.5px;color:var(--muted)}
 .spend-banner .rates b{color:var(--ink)}
+.boot-spin{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;min-height:60vh}
+.boot-spin .ring{width:46px;height:46px;border-radius:50%;border:4px solid rgba(67,232,195,.18);border-top-color:var(--mint);animation:bootspin .9s linear infinite}
+@keyframes bootspin{to{transform:rotate(360deg)}}
 .done-big{display:flex;flex-direction:column;align-items:center;gap:6px;padding:26px 16px;text-align:center}
 .done-big .tick{width:84px;height:84px;border-radius:50%;display:grid;place-items:center;font-size:48px;font-weight:800;color:var(--mint-ink);background:var(--mint);box-shadow:0 0 0 10px rgba(67,232,195,.15),0 10px 30px rgba(67,232,195,.35)}
 .done-big b{font-family:var(--disp);font-size:22px;margin-top:8px}
diff --git a/public/contract.html b/public/contract.html
index 978c092..35f0700 100644
--- a/public/contract.html
+++ b/public/contract.html
@@ -17,7 +17,7 @@
 <meta name="theme-color" content="#043b2f">
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
 <link rel="icon" type="image/png" href="/logo-icon.png">
-<link rel="stylesheet" href="/assets/site.css?v=20260910e">
+<link rel="stylesheet" href="/assets/site.css?v=20260910f">
 </head>
 <body>
 <div class="wrap">
diff --git a/public/disclaimer.html b/public/disclaimer.html
index 4a435e5..1a0b5df 100644
--- a/public/disclaimer.html
+++ b/public/disclaimer.html
@@ -5,7 +5,7 @@
 <title>Disclaimer | InstantAdPay</title>
 <link rel="icon" type="image/png" href="/logo-icon.png">
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
-<link rel="stylesheet" href="/assets/site.css?v=20260910e">
+<link rel="stylesheet" href="/assets/site.css?v=20260910f">
 </head>
 <body>
 <div id="nav"></div>
diff --git a/public/index.html b/public/index.html
index 7d47b69..f78b788 100644
--- a/public/index.html
+++ b/public/index.html
@@ -20,7 +20,7 @@
 <meta name="theme-color" content="#043b2f">
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
 <link rel="icon" type="image/png" href="/logo-icon.png">
-<link rel="stylesheet" href="/assets/site.css?v=20260910e">
+<link rel="stylesheet" href="/assets/site.css?v=20260910f">
 </head>
 <body>
 
diff --git a/public/join.html b/public/join.html
index 424cfe6..867b34a 100644
--- a/public/join.html
+++ b/public/join.html
@@ -6,7 +6,7 @@
 <title>You're invited | InstantAdPay</title>
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
 <link rel="icon" type="image/png" href="/logo-icon.png">
-<link rel="stylesheet" href="/assets/site.css?v=20260910e">
+<link rel="stylesheet" href="/assets/site.css?v=20260910f">
 <style>
   .jn-nav{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:16px 0}
   .jn-hero{padding:34px 0 10px;text-align:left}
diff --git a/public/ledger.html b/public/ledger.html
index 2098478..f9ec329 100644
--- a/public/ledger.html
+++ b/public/ledger.html
@@ -17,7 +17,7 @@
 <meta name="theme-color" content="#043b2f">
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
 <link rel="icon" type="image/png" href="/logo-icon.png">
-<link rel="stylesheet" href="/assets/site.css?v=20260910e">
+<link rel="stylesheet" href="/assets/site.css?v=20260910f">
 </head>
 <body>
 <div class="wrap">
diff --git a/public/my.html b/public/my.html
index 7bbbe37..43d2d31 100644
--- a/public/my.html
+++ b/public/my.html
@@ -5,12 +5,13 @@
 <title>Member area | InstantAdPay</title>
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
 <link rel="icon" type="image/png" href="/logo-icon.png">
-<link rel="stylesheet" href="/assets/site.css?v=20260910e">
+<link rel="stylesheet" href="/assets/site.css?v=20260910f">
 </head>
 <body class="bo-body">
 
 <!-- ── signed-out: centered auth ─────────────────────────── -->
-<div id="authArea">
+<div id="bootSpin" class="boot-spin" aria-live="polite"><div class="ring"></div><p class="small muted">Loading your account…</p></div>
+<div id="authArea" hidden>
   <div class="wrap" style="max-width:560px">
     <section class="hero" style="padding:64px 0 10px;text-align:left">
       <p class="eyebrow">Member area</p>
@@ -859,7 +860,7 @@
 <script src="/assets/common.js?v=20260910b"></script>
 <script src="/assets/wallet.js?v=20260910a"></script>
 <script src="/assets/promo.js?v=20260909b"></script>
-<script src="/assets/my.js?v=20260910h"></script>
+<script src="/assets/my.js?v=20260910i"></script>
 <script src="/assets/chat.js?v=20260907l"></script>
 </body>
 </html>
diff --git a/public/plays.html b/public/plays.html
index cbd6fc0..5936ec8 100644
--- a/public/plays.html
+++ b/public/plays.html
@@ -8,7 +8,7 @@
 <meta name="theme-color" content="#043b2f">
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
 <link rel="icon" type="image/png" href="/logo-icon.png">
-<link rel="stylesheet" href="/assets/site.css?v=20260910e">
+<link rel="stylesheet" href="/assets/site.css?v=20260910f">
 <style>
   .pl-rule{border-left:4px solid #f2c94c;background:rgba(242,201,76,.08);padding:16px 20px;border-radius:0 12px 12px 0;margin:0 0 28px}
   .pl-rule b{font-family:var(--disp);font-size:17px;display:block;margin-bottom:6px}
diff --git a/public/privacy.html b/public/privacy.html
index 9346e39..76a2c10 100644
--- a/public/privacy.html
+++ b/public/privacy.html
@@ -5,7 +5,7 @@
 <title>Privacy Policy | InstantAdPay</title>
 <link rel="icon" type="image/png" href="/logo-icon.png">
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
-<link rel="stylesheet" href="/assets/site.css?v=20260910e">
+<link rel="stylesheet" href="/assets/site.css?v=20260910f">
 </head>
 <body>
 <div id="nav"></div>
diff --git a/public/shorts.html b/public/shorts.html
index f2e308b..9beb0b1 100644
--- a/public/shorts.html
+++ b/public/shorts.html
@@ -5,7 +5,7 @@
 <title>Shorts | InstantAdPay</title>
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
 <link rel="icon" type="image/png" href="/logo-icon.png">
-<link rel="stylesheet" href="/assets/site.css?v=20260910e">
+<link rel="stylesheet" href="/assets/site.css?v=20260910f">
 <style>
   html,body{height:100%;margin:0;overflow:hidden;background:#000}
   .sh{position:fixed;inset:0;display:flex;flex-direction:column;background:#000;color:var(--ink,#e8fff7)}
diff --git a/public/terms.html b/public/terms.html
index 91dd49d..e8f08d4 100644
--- a/public/terms.html
+++ b/public/terms.html
@@ -5,7 +5,7 @@
 <title>Terms of Service | InstantAdPay</title>
 <link rel="icon" type="image/png" href="/logo-icon.png">
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
-<link rel="stylesheet" href="/assets/site.css?v=20260910e">
+<link rel="stylesheet" href="/assets/site.css?v=20260910f">
 </head>
 <body>
 <div id="nav"></div>
diff --git a/public/tx.html b/public/tx.html
index 10e1a8f..e154da9 100644
--- a/public/tx.html
+++ b/public/tx.html
@@ -5,7 +5,7 @@
 <title>Transaction | InstantAdPay</title>
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
 <link rel="icon" type="image/png" href="/logo-icon.png">
-<link rel="stylesheet" href="/assets/site.css?v=20260910e">
+<link rel="stylesheet" href="/assets/site.css?v=20260910f">
 </head>
 <body>
 <div id="nav"></div>
diff --git a/public/view.html b/public/view.html
index bdc0c0f..fd12a9f 100644
--- a/public/view.html
+++ b/public/view.html
@@ -5,7 +5,7 @@
 <meta name="viewport" content="width=device-width,initial-scale=1">
 <title>Viewing ad — InstantAdPay</title>
 <link rel="icon" type="image/png" href="/logo-icon.png">
-<link rel="stylesheet" href="/assets/site.css?v=20260910e">
+<link rel="stylesheet" href="/assets/site.css?v=20260910f">
 <style>
   html,body{height:100%;margin:0;overflow:hidden}
   .vw{display:flex;flex-direction:column;height:100vh;height:100dvh;background:var(--bg,#04110c);color:var(--ink,#e8fff7)}
diff --git a/public/wall.html b/public/wall.html
index 2d8b539..65b69cf 100644
--- a/public/wall.html
+++ b/public/wall.html
@@ -6,7 +6,7 @@
 <!--OG-->
 <link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&display=swap">
 <link rel="icon" type="image/png" href="/logo-icon.png">
-<link rel="stylesheet" href="/assets/site.css?v=20260910e">
+<link rel="stylesheet" href="/assets/site.css?v=20260910f">
 </head>
 <body>
 <div id="nav"></div>
