diff --git a/public/assets/my.js b/public/assets/my.js
index d1b850e..123ef64 100644
--- a/public/assets/my.js
+++ b/public/assets/my.js
@@ -467,9 +467,13 @@
 
   async function render() {
     const me = await IAP.refreshNavWallet();
-    const signedIn = me && me.signedIn;
+    // 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);
+    const signedIn = me && me.signedIn && !walletOnly;
     $('authArea').hidden = !!signedIn;
     $('memberArea').hidden = !signedIn;
+    if ($('mcFinish')) $('mcFinish').hidden = !walletOnly;
     if (!signedIn) return;
     if ($('adminLink')) $('adminLink').hidden = !me.isAdmin; // admin portal link, only for ADMIN_EMAIL
     setPane(location.hash.slice(1) || 'overview');
@@ -1403,16 +1407,6 @@
     if (!(await showGauntlet())) await showLoginAd(); // welcome tour outranks the login ad
     await render();
   }));
-  $('walletSigninLink').addEventListener('click', async e => {
-    e.preventDefault();
-    try {
-      IAP.status('Check your wallet for the free sign-in signature…');
-      await IAPWallet.signIn();
-      IAP.status('Signed in with your wallet.', 'ok');
-      if (!(await showGauntlet())) await showLoginAd(); // welcome tour outranks the login ad
-      await render();
-    } catch (err) { IAP.status((err && err.message) || String(err), 'bad'); }
-  });
   $('linkBtn').addEventListener('click', busy($('linkBtn'), async () => {
     IAP.status('Check your wallet for the free link signature…');
     await IAPWallet.signIn(); // server binds the wallet to the signed-in email account
diff --git a/public/my.html b/public/my.html
index 5c27005..34ebe2d 100644
--- a/public/my.html
+++ b/public/my.html
@@ -27,6 +27,8 @@
         <b id="sponsorNoteName" style="font-size:19px;color:var(--mint)"></b></p>
     </div>
     <div class="card" id="magicCard" hidden>
+      <p id="mcFinish" class="small" style="color:var(--amber);margin:0 0 10px" hidden>Your wallet is signed in, but it has no account yet.
+        Add your email to finish setting up. Your wallet, member number and purchases stay attached.</p>
       <h3>Sign in or join free</h3>
       <p class="muted small">Type your email and we send a 6-digit code. No password to invent,
         no password to forget. New emails get a free account automatically.</p>
@@ -50,8 +52,6 @@
         <button class="btn sec" id="loginBtn">Log in</button>
       </div>
     </div>
-    <p class="small muted">Crypto-native? You can also <a href="#" id="walletSigninLink">sign in with just your wallet</a>.
-      One free signature, no email needed.</p>
     <p class="small muted"><a href="/">← Back to the site</a></p>
     <div class="card" id="adSlotLogin" hidden></div>
   </div>
@@ -697,7 +697,7 @@
 </div>
 <script src="/assets/common.js?v=20260909a"></script>
 <script src="/assets/wallet.js?v=20260908t"></script>
-<script src="/assets/my.js?v=20260909a"></script>
+<script src="/assets/my.js?v=20260909b"></script>
 <script src="/assets/chat.js?v=20260907l"></script>
 </body>
 </html>
diff --git a/server.js b/server.js
index bbb7f38..f8daedb 100644
--- a/server.js
+++ b/server.js
@@ -568,6 +568,16 @@ const server = http.createServer(async (req, res) => {
       const ref = parseCookies(req)['iap.sponsor'] || '';
       const r = await accounts.ensure(e, ref); // first touch wins; existing accounts unchanged
       if (r.error) return json(res, 400, r);
+      // a wallet-only session (signed with a wallet, no account) finishing setup:
+      // adopt that wallet into the email account so member #, purchases and
+      // payouts stay attached, then retire the wallet-only session
+      const prior = await auth.fromRequest(req);
+      if (prior && prior.address && !prior.email) {
+        const lr = await accounts.linkWallet(e, prior.address);
+        if (lr.error) return json(res, 400, lr);
+        r.account = lr.account || await accounts.byEmail(e);
+        await auth.logout(req);
+      }
       if (r.created) { sendWelcome(e, ref).catch(() => {}); } // sponsor notified at username set (/api/my/profile)
       if (r.created && b.newsletter) sendy.subscribe(r.account.email, r.account.username || '').catch(() => {}); // pre-checked opt-in, silent, new joins only
       let memberId = 0;
@@ -577,7 +587,8 @@ const server = http.createServer(async (req, res) => {
     }
 
     // -- wallet auth: link-to-account when an email session exists, or
-    //    wallet-first sign-in for crypto-native users
+    //    wallet-first sign-in (no UI door since 2026-09-09; a wallet-only session
+    //    is walked to the email card, which adopts the wallet on verify)
     if (p === '/api/auth/challenge' && req.method === 'POST') {
       const b = await readBody(req);
       const r = auth.makeChallenge(b.address);