diff --git a/CONTRIBUTING.md b/CONTRIBUTING.md
index 0a0a1da..62b1d4b 100644
--- a/CONTRIBUTING.md
+++ b/CONTRIBUTING.md
@@ -124,6 +124,10 @@ npm run test:watch
 
 ### UI Testing Expectations
 
+- Before touching a screen, check its row in the
+  [Screen Test Matrix](docs/screen-test-matrix.md) for the test types it's
+  expected to have and its current coverage status. If you add a new screen,
+  add a row for it in the same PR.
 - All new screens and interactive components **must include tests**.
 - Use `@testing-library/react-native` to render components and interact with them via accessible queries (`getByRole`, `getByLabelText`, etc.).
 - Test the key user-facing behaviours: form validation, loading states, error messages, and successful flows.
diff --git a/README.md b/README.md
index 30bfd98..32d4eb2 100644
--- a/README.md
+++ b/README.md
@@ -47,6 +47,7 @@ PocketPay Mobile is part of a broader PocketPay stack:
 ## Documentation
 
 - [Screen Inventory](docs/screen-inventory.md) - A map of the main screens and routes in the app.
+- [Screen Test Matrix](docs/screen-test-matrix.md) - Which test types and visual verification each screen requires, and current coverage gaps
 - [Mobile Onboarding Checklist](docs/mobile-onboarding-checklist.md) - Quick-reference setup checklist for new contributors
 - [Evaluation Readiness Checklist](docs/evaluation-readiness-checklist.md) - Contract-issue review checklist for GrantFox contributors before payment evaluation
 - [UI State Catalogue](docs/ui-states.md) and [Accessibility Checklist](docs/accessibility.md) - Governance for major-screen states, shared component contracts, and accessible review evidence
diff --git a/docs/screen-test-matrix.md b/docs/screen-test-matrix.md
new file mode 100644
index 0000000..6af9f58
--- /dev/null
+++ b/docs/screen-test-matrix.md
@@ -0,0 +1,156 @@
+# Screen Test Matrix
+
+A screen-by-screen map of what testing and visual verification each part of
+the wallet is expected to have, and what actually exists today. Use this
+before opening a PR that touches a screen: find its row, do what the row
+says, and if you're adding a new screen, add a row for it in the same PR.
+
+This is a coverage map, not a spec of *how* to write the tests — see
+[CONTRIBUTING.md](../CONTRIBUTING.md#testing) for the testing setup and
+[UI State Catalogue](ui-states.md) for the six required states
+(Loading/Empty/Error/Success/Disabled/Pending) each screen's *behavior*
+should satisfy regardless of whether an automated test exists yet.
+
+## Test Types Referenced Below
+
+| Type | What it means | Tooling |
+|---|---|---|
+| **Component test** | Renders the screen (or a meaningful slice of it) with Testing Library and asserts on states, interactions, and accessible queries. | `@testing-library/react-native`, co-located in `__tests__/` or `tests/` |
+| **Store/logic test** | Unit-tests the Zustand store or utility function the screen depends on, independent of rendering. | Jest |
+| **Flow test** | Exercises a multi-screen journey end-to-end within RTL (e.g. create → success, send → review → sign-confirmation). | `@testing-library/react-native` + `expo-router` mock |
+| **Visual verification** | Manual check against [Design System](design-system.md) tokens, the applicable row in [UI State Catalogue](ui-states.md), and [Accessibility Checklist](accessibility.md). Required on every PR that changes a screen's UI — this project has no automated visual-regression/snapshot tooling, so this step is not optional. |
+
+**Status legend:** ✅ covered · ⚠️ partial (logic tested, screen render/flow is not, or vice versa) · ❌ gap — no automated test exists.
+
+---
+
+## 1. Wallet Creation & Import (Onboarding)
+
+| Screen | Route | Test Types Required | Existing Coverage | Status |
+|---|---|---|---|---|
+| Welcome | `app/(auth)/index.tsx` | Component, Visual | None found | ❌ |
+| Create Wallet | `app/(auth)/create.tsx` | Component, Flow, Visual | None found | ❌ |
+| Import Wallet | `app/(auth)/import.tsx` | Component, Flow, Visual | None found | ❌ |
+| Wallet Creation Success | `app/(auth)/wallet-creation-success.tsx` | Component, Visual | None found | ❌ |
+
+**Visual verification expectations:** secret key / recovery phrase text must never be logged, screenshotted in CI artifacts, or left visible after navigating away (see [Security Guide](security.md)); "I've backed this up" / confirmation controls meet the 44×44 dp touch target and 4.5:1 contrast minimums from the [Accessibility Checklist](accessibility.md); the create → success handoff must not allow the success screen to be reached without a wallet actually existing in the store.
+
+This is the largest gap in the app: onboarding has no automated coverage at
+all today. A PR touching any of these four screens should add at least a
+component test for that screen before merging.
+
+## 2. Balance (Home / Wallet)
+
+| Screen | Route | Test Types Required | Existing Coverage | Status |
+|---|---|---|---|---|
+| Home / Wallet | `app/(tabs)/index.tsx` | Component, Store, Visual | `__tests__/home.pullToRefresh.test.tsx`, `__tests__/walletStore.test.ts`, `__tests__/walletStore.pagination.test.ts` | ✅ |
+
+**Visual verification expectations:** all six [UI State Catalogue](ui-states.md#wallet-home) rows for Wallet (Loading/Empty/Error/Success/Disabled/Pending); balance formatting and sent/received sign conventions.
+
+## 3. Send
+
+| Screen | Route | Test Types Required | Existing Coverage | Status |
+|---|---|---|---|---|
+| Send (compose) | `app/send.tsx` | Component, Visual | `__tests__/send.test.tsx` | ✅ |
+| Review Transaction | `app/review-transaction.tsx` | Component, Flow, Visual | `__tests__/ReviewConfirm.test.tsx`, `__tests__/signerStore.confirming.test.ts`, `__tests__/signerStore.cancellation.test.ts`, `__tests__/signerStore.cancelled.test.ts` | ✅ |
+| Sign Confirmation | `app/sign-confirmation.tsx` | Component, Visual | `__tests__/screens/sign-confirmation.test.tsx` | ✅ |
+| Payment Success | `app/payment-success.tsx` | Component, Visual | `__tests__/paymentSuccess.test.tsx` | ✅ |
+
+**Visual verification expectations:** the four signer phases (Reviewing →
+Signing → Submitting → Waiting for confirmation) from
+[UI State Catalogue](ui-states.md#send) must each be visually distinct and
+non-duplicable; validation errors render beside the offending field, not as
+a generic banner.
+
+## 4. Receive & QR
+
+| Screen | Route | Test Types Required | Existing Coverage | Status |
+|---|---|---|---|---|
+| Receive | `app/receive.tsx` | Component, Visual | Covered indirectly via `__tests__/qrPayload.test.ts` (payload logic only) | ⚠️ |
+| Scan (generic) | `app/scan.tsx` | Component, Visual | None found | ❌ |
+| Scan to Pay | `app/scan-pay.tsx` | Component, Flow, Visual | `__tests__/contacts.scan.test.tsx` covers scan-to-contact, not scan-to-pay | ⚠️ |
+
+**Visual verification expectations:** QR code renders the correct
+address-only or SEP-0007 payload per [QR Payment Requests](qr-payment-requests.md);
+camera-permission-denied state is handled visibly, not a blank screen; scan
+never auto-submits a payment — see [Scan-to-Pay Review](scan-to-pay.md) for
+the required "cancel before payment" behavior.
+
+## 5. Activity / Transaction Detail
+
+| Screen | Route | Test Types Required | Existing Coverage | Status |
+|---|---|---|---|---|
+| Activity (history) | `app/(tabs)/history.tsx` | Component, Visual | `__tests__/history.pagination.test.tsx` | ✅ |
+| Transaction Detail | `app/transaction/[id].tsx` | Component, Flow, Visual | `__tests__/transactionDetail.test.tsx`, `__tests__/transactionDetail.deeplink.test.tsx` | ✅ |
+
+## 6. Address Book (Contacts)
+
+| Screen | Route | Test Types Required | Existing Coverage | Status |
+|---|---|---|---|---|
+| Contacts (address book) | `app/contacts.tsx` | Component, Store, Flow, Visual | `__tests__/ContactForm.test.tsx`, `__tests__/ContactPicker.test.tsx`, `__tests__/contactStore.test.ts`, `tests/contact-delete-confirmation.test.tsx` | ✅ |
+
+**Visual verification expectations:** deleting a contact requires the
+confirmation dialog every time (no accidental data loss); a contact picked
+from scan or history correctly resolves to its saved label on Send/Receive.
+
+## 7. Vault (Placeholder)
+
+| Screen | Route | Test Types Required | Existing Coverage | Status |
+|---|---|---|---|---|
+| Vault (main) | `app/(tabs)/vault.tsx` | Component, Store, Visual | `__tests__/vault.test.tsx`, `__tests__/VaultUnavailableState.test.tsx` | ✅ |
+| Vault Detail | `app/vault/[id].tsx` | Component, Visual | None found | ❌ |
+| Vault Lock Detail | `app/vault-lock/[id].tsx` | Component, Flow, Visual | `__tests__/maturedLockWithdrawal.test.ts` (store logic), `__tests__/maturedLockWithdrawalFlow.test.tsx` (flow), `__tests__/VaultLockEducationModal.test.tsx` | ⚠️ |
+
+**Visual verification expectations:** the vault must clearly read as
+**mock/Testnet-only** whenever `EXPO_PUBLIC_VAULT_CONTRACT_ID` is unset — see
+[Vault UI Guidance](vault-ui-guidance.md); lock statuses (locked, matured,
+withdrawn) each have a visually distinct badge; `app/vault/[id].tsx` has no
+dedicated screen test today even though the store and lock-detail flow do —
+don't assume vault coverage is complete just because `vault.test.tsx` passes.
+
+## 8. Settings
+
+| Screen | Route | Test Types Required | Existing Coverage | Status |
+|---|---|---|---|---|
+| Settings (main) | `app/(tabs)/settings.tsx` | Component, Visual | None found | ❌ |
+| Feature Flags | `app/(tabs)/settings/flags.tsx` | Component, Visual | None found | ❌ |
+
+**Visual verification expectations:** destructive settings actions (wallet
+reset) require `WalletResetConfirmModal` — see
+`__tests__/WalletResetConfirmModal.test.tsx` for the confirmation contract
+itself, even though the Settings screen that launches it is untested;
+toggling a feature flag takes effect without requiring an app restart, or
+the UI explains that it does.
+
+## 9. Diagnostics
+
+| Screen | Route | Test Types Required | Existing Coverage | Status |
+|---|---|---|---|---|
+| Diagnostics | `app/diagnostics.tsx` | Component, Store/logic, Visual | `__tests__/diagnostics.test.ts` (covers `getDiagnostics()` utility only, not the screen render) | ⚠️ |
+
+---
+
+## Cross-Cutting Checks (every screen, regardless of row above)
+
+These apply on top of whatever this screen's row requires — they're not a
+substitute for it:
+
+- [ ] Every interactive element has `accessible={true}` and a descriptive
+  `accessibilityLabel` (see [Accessibility Checklist](accessibility.md)).
+- [ ] The screen satisfies all six [UI State Catalogue](ui-states.md) rows
+  that apply to it, including any explicitly marked *Not applicable* with a
+  stated reason.
+- [ ] Design tokens come from `src/constants/theme.ts` — no hardcoded hex
+  colors or pixel sizes (see [Design System Guide](design-system.md)).
+- [ ] No secret key, seed phrase, or full transaction signature is ever
+  logged or left in a test snapshot/fixture.
+- [ ] `npm run typecheck`, `npm run lint`, and `npm test` all pass — see the
+  [CI Troubleshooting Guide](ci-troubleshooting.md) if any of them fail for
+  a reason you can't immediately explain.
+
+## Keeping This Matrix Current
+
+If you add a new screen under `app/`, add a row for it here in the same PR
+— don't leave it for someone else to discover the gap. If you add a test for
+a screen marked ❌ or ⚠️ above, update its Status and Existing Coverage
+columns in the same PR that adds the test.