diff --git a/apps/ios/CODE.md b/apps/ios/CODE.md
index 5a8356f656..e6372a9e33 100644
--- a/apps/ios/CODE.md
+++ b/apps/ios/CODE.md
@@ -166,6 +166,7 @@ After completing all changes (code + documentation), you MUST run an adversarial
 | Shared/SimpleXApp.swift | spec/architecture.md | product/flows/onboarding.md |
 | Shared/AppDelegate.swift | spec/services/notifications.md | product/flows/onboarding.md |
 | Shared/Views/ChatList/ChatListView.swift | spec/client/chat-list.md | product/views/chat-list.md |
+| Shared/Views/ChatList/GetStakeBanner.swift | spec/client/chat-list.md | product/views/chat-list.md |
 | Shared/Views/Chat/ChatView.swift | spec/client/chat-view.md | product/views/chat.md |
 | Shared/Views/Chat/ComposeMessage/ComposeView.swift | spec/client/compose.md | product/views/chat.md |
 | Shared/Views/Chat/ChatItem/ | spec/client/chat-view.md | product/views/chat.md |
diff --git a/apps/ios/Shared/Views/ChatList/ChatListView.swift b/apps/ios/Shared/Views/ChatList/ChatListView.swift
index ab3ffdd191..3797ec0f63 100644
--- a/apps/ios/Shared/Views/ChatList/ChatListView.swift
+++ b/apps/ios/Shared/Views/ChatList/ChatListView.swift
@@ -158,6 +158,7 @@ struct ChatListView: View {
     @EnvironmentObject var theme: AppTheme
     @Binding var activeUserPickerSheet: UserPickerSheet?
     @State private var showNewChatSheet = false
+    @State private var showGetStakeSheet = false
     @State private var searchMode = false
     @FocusState private var searchFocussed
     @State private var searchText = ""
@@ -176,6 +177,8 @@ struct ChatListView: View {
     @AppStorage(DEFAULT_ONE_HAND_UI_CARD_SHOWN) private var oneHandUICardShown = false
     @AppStorage(DEFAULT_ADDRESS_CREATION_CARD_SHOWN) private var addressCreationCardShown = false
     @AppStorage(DEFAULT_SUPPORTER_BANNER_SHOWN) private var supporterBannerShown = false
+    @AppStorage(DEFAULT_GET_STAKE_BANNER_TAPPED) private var getStakeBannerTapped = false
+    @AppStorage(DEFAULT_GET_STAKE_BANNER_DISMISSED) private var getStakeBannerDismissed = false
     @AppStorage(DEFAULT_TOOLBAR_MATERIAL) private var toolbarMaterial = ToolbarMaterial.defaultMaterial
     @State private var showBadgesSheet = false
     
@@ -220,6 +223,9 @@ struct ChatListView: View {
                     .modifier(ThemedBackground())
             }
         }
+        .appSheet(isPresented: $showGetStakeSheet) {
+            GetStakeView(fromSettings: false, showFirstImage: true)
+        }
         .onChange(of: activeUserPickerSheet) {
             if $0 != nil {
                 DispatchQueue.main.asyncAfter(deadline: .now() + 0.3) {
@@ -425,14 +431,26 @@ struct ChatListView: View {
 
     @ViewBuilder private var chatList: some View {
         if shouldShowOnboarding {
-            ConnectOnboardingView()
-                .scaleEffect(x: 1, y: oneHandUI ? -1 : 1, anchor: .center)
-                .modifier(ThemedBackground())
+            VStack(spacing: 0) {
+                ConnectOnboardingView()
+                if isInUS && !getStakeBannerDismissed {
+                    GetStakeBanner(showDismiss: false, onTap: openGetStake, onDismiss: {})
+                        .padding(.horizontal, 20)
+                        .padding(.bottom, 8)
+                }
+            }
+            .scaleEffect(x: 1, y: oneHandUI ? -1 : 1, anchor: .center)
+            .modifier(ThemedBackground())
         } else {
             chatListContent
         }
     }
 
+    private func openGetStake() {
+        getStakeBannerTapped = true
+        showGetStakeSheet = true
+    }
+
     private var chatListContent: some View {
         let cs = filteredChats()
         return ZStack {
@@ -484,6 +502,17 @@ struct ChatListView: View {
                             .listRowSeparator(.hidden)
                             .listRowBackground(Color.clear)
                             .zIndex(1)
+                    } else if isInUS && !getStakeBannerDismissed {
+                        GetStakeBanner(
+                            showDismiss: getStakeBannerTapped && !chatModel.chats.isEmpty,
+                            onTap: openGetStake,
+                            onDismiss: { withAnimation { getStakeBannerDismissed = true } }
+                        )
+                            .padding(.vertical, 3)
+                            .scaleEffect(x: 1, y: oneHandUI ? -1 : 1, anchor: .center)
+                            .listRowSeparator(.hidden)
+                            .listRowBackground(Color.clear)
+                            .zIndex(1)
                     }
                     if #available(iOS 16.0, *) {
                         ForEach(cs, id: \.viewId) { chat in
diff --git a/apps/ios/Shared/Views/ChatList/GetStakeBanner.swift b/apps/ios/Shared/Views/ChatList/GetStakeBanner.swift
new file mode 100644
index 0000000000..741cb7e273
--- /dev/null
+++ b/apps/ios/Shared/Views/ChatList/GetStakeBanner.swift
@@ -0,0 +1,106 @@
+//
+//  GetStakeBanner.swift
+//  SimpleX (iOS)
+//
+//  Created by spaced4ndy on 21.09.2026.
+//  Copyright © 2026 SimpleX Chat. All rights reserved.
+//
+
+import SwiftUI
+import SimpleXChat
+
+// Spec: spec/client/chat-list.md#GetStakeBanner
+struct GetStakeBanner: View {
+    @EnvironmentObject var theme: AppTheme
+    var showDismiss: Bool
+    let onTap: () -> Void
+    let onDismiss: () -> Void
+
+    var body: some View {
+        ZStack(alignment: .topTrailing) {
+            Button(action: onTap) {
+                HStack(spacing: 0) {
+                    VStack(alignment: .leading, spacing: 4) {
+                        Text("Get a stake in SimpleX Chat!")
+                            .font(.headline)
+                            .foregroundColor(theme.colors.primary)
+                            .lineLimit(2)
+                        Text("Invest on Wefunder from $100")
+                            .font(.subheadline)
+                            .foregroundColor(theme.colors.onBackground)
+                            .lineLimit(2)
+                    }
+                    // keeps the text clear of the dismiss X: its 4 leading + 12 wide + 16 trailing
+                    Spacer(minLength: 32)
+                }
+                .modifier(BannerCard())
+            }
+            .buttonStyle(.plain)
+
+            if showDismiss {
+                BannerDismissButton(onDismiss: onDismiss)
+            }
+        }
+    }
+}
+
+struct BannerCard: ViewModifier {
+    @Environment(\.colorScheme) var colorScheme: ColorScheme
+
+    // grows with Dynamic Type but never shrinks below the default, so small-font users see the same card
+    @ScaledMetric(relativeTo: .body) private var scaledCardHeight: CGFloat = 72
+    private var cardHeight: CGFloat { max(72, scaledCardHeight) }
+
+    func body(content: Content) -> some View {
+        content
+            // the leading padding matches OneHandUICard's segment icon, so the text aligns with it in the list
+            .padding(.leading, 16)
+            .padding(.trailing, 8)
+            .padding(.vertical, 12)
+            .frame(minHeight: cardHeight)
+            .background(gradientBackground())
+            .clipShape(RoundedRectangle(cornerRadius: 16))
+    }
+
+    private func gradientBackground() -> some View {
+        // Asymmetric scale: start (dark end) pushed further below the card than the end (warm) is
+        // above, so the card's middle lands at the bright/mid-transition stop instead of the dark
+        // navy region. Keeps the small warm accent at top-right.
+        GeometryReader { geo in
+            let aspect = max(geo.size.height, 1) / max(geo.size.width, 1)
+            let startScale: CGFloat = colorScheme == .light ? 2.5 : 3.0
+            let endScale: CGFloat = colorScheme == .light ? 1.7 : 2.1
+            let gp = OnboardingCardView.gradientPoints(aspectRatio: aspect, scale: 1.0)
+            let start = UnitPoint(x: 0.5 + (gp.start.x - 0.5) * startScale, y: 0.5 + (gp.start.y - 0.5) * startScale)
+            let end = UnitPoint(x: 0.5 + (gp.end.x - 0.5) * endScale, y: 0.5 + (gp.end.y - 0.5) * endScale)
+            return LinearGradient(
+                stops: colorScheme == .light ? OnboardingCardView.lightStops : OnboardingCardView.darkStops,
+                startPoint: start,
+                endPoint: end
+            )
+        }
+    }
+}
+
+struct BannerDismissButton: View {
+    @EnvironmentObject var theme: AppTheme
+    @Environment(\.colorScheme) var colorScheme: ColorScheme
+    let onDismiss: () -> Void
+
+    var body: some View {
+        Image(systemName: "multiply")
+            .foregroundColor(colorScheme == .dark ? theme.colors.onBackground : theme.colors.secondary)
+            .frame(width: 12, height: 12)
+            .padding(.top, 12)
+            .padding(.bottom, 4)
+            .padding(.trailing, 16)
+            .padding(.leading, 4)
+            .contentShape(Rectangle())
+            .onTapGesture(perform: onDismiss)
+    }
+}
+
+#Preview {
+    GetStakeBanner(showDismiss: true, onTap: {}, onDismiss: {})
+        .padding()
+}
diff --git a/apps/ios/Shared/Views/Onboarding/WhatsNewView.swift b/apps/ios/Shared/Views/Onboarding/WhatsNewView.swift
index 2fd21e39dd..6cafb78043 100644
--- a/apps/ios/Shared/Views/Onboarding/WhatsNewView.swift
+++ b/apps/ios/Shared/Views/Onboarding/WhatsNewView.swift
@@ -845,7 +845,7 @@ fileprivate struct InvestInSimpleXChat: View {
         }
         .frame(maxWidth: .infinity, alignment: .leading)
         .sheet(isPresented: $showGetStakeSheet) {
-            GetStakeView(fromSettings: false)
+            GetStakeView(fromSettings: false, showFirstImage: false)
         }
     }
 }
@@ -885,6 +885,7 @@ struct GetStakeView: View {
     @Environment(\.dismiss) var dismiss: DismissAction
     @EnvironmentObject var chatModel: ChatModel
     var fromSettings: Bool
+    var showFirstImage: Bool
 
     var body: some View {
         ZoomablePageView {
@@ -894,7 +895,7 @@ struct GetStakeView: View {
                     .bold()
                     .fixedSize(horizontal: false, vertical: true)
                     .if(!fromSettings) { $0.padding(.top) }
-                if fromSettings {
+                if showFirstImage {
                     slideImage(getStakeSlides[0])
                 }
                 (Text(verbatim: getStakeSlides[0].text) + Text(verbatim: " Learn more and invest on Wefunder.").bold().foregroundColor(.accentColor))
diff --git a/apps/ios/Shared/Views/UserSettings/SettingsView.swift b/apps/ios/Shared/Views/UserSettings/SettingsView.swift
index 767acade71..efc16a6309 100644
--- a/apps/ios/Shared/Views/UserSettings/SettingsView.swift
+++ b/apps/ios/Shared/Views/UserSettings/SettingsView.swift
@@ -57,6 +57,8 @@ let DEFAULT_CHAT_ITEM_TAIL = "chatItemTail"
 let DEFAULT_ONE_HAND_UI_CARD_SHOWN = "oneHandUICardShown"
 let DEFAULT_ADDRESS_CREATION_CARD_SHOWN = "addressCreationCardShown"
 let DEFAULT_SUPPORTER_BANNER_SHOWN = "supporterBannerShown"
+let DEFAULT_GET_STAKE_BANNER_TAPPED = "getStakeBannerTapped"
+let DEFAULT_GET_STAKE_BANNER_DISMISSED = "getStakeBannerDismissed"
 let DEFAULT_TOOLBAR_MATERIAL = "toolbarMaterial"
 let DEFAULT_CONNECT_VIA_LINK_TAB = "connectViaLinkTab"
 let DEFAULT_LIVE_MESSAGE_ALERT_SHOWN = "liveMessageAlertShown"
@@ -119,6 +121,8 @@ let appDefaults: [String: Any] = [
     DEFAULT_ONE_HAND_UI_CARD_SHOWN: false,
     DEFAULT_ADDRESS_CREATION_CARD_SHOWN: false,
     DEFAULT_SUPPORTER_BANNER_SHOWN: false,
+    DEFAULT_GET_STAKE_BANNER_TAPPED: false,
+    DEFAULT_GET_STAKE_BANNER_DISMISSED: false,
     DEFAULT_TOOLBAR_MATERIAL: ToolbarMaterial.defaultMaterial,
     DEFAULT_CONNECT_VIA_LINK_TAB: ConnectViaLinkTab.scan.rawValue,
     DEFAULT_LIVE_MESSAGE_ALERT_SHOWN: false,
@@ -151,6 +155,8 @@ let hintDefaults = [
     DEFAULT_ONE_HAND_UI_CARD_SHOWN,
     DEFAULT_ADDRESS_CREATION_CARD_SHOWN,
     DEFAULT_SUPPORTER_BANNER_SHOWN,
+    DEFAULT_GET_STAKE_BANNER_TAPPED,
+    DEFAULT_GET_STAKE_BANNER_DISMISSED,
     DEFAULT_LIVE_MESSAGE_ALERT_SHOWN,
     DEFAULT_SIGN_MESSAGE_ALERT_SHOWN,
     DEFAULT_SHOW_HIDDEN_PROFILES_NOTICE,
@@ -403,7 +409,7 @@ struct SettingsView: View {
             if isInUS {
                 Section(header: Text("You can now invest in SimpleX Chat").foregroundColor(theme.colors.secondary)) {
                     NavigationLink {
-                        GetStakeView(fromSettings: true)
+                        GetStakeView(fromSettings: true, showFirstImage: true)
                             .navigationBarTitle("", displayMode: .inline)
                     } label: {
                         settingsRow("dollarsign.circle", color: theme.colors.secondary) { Text("Crowdfunding on Wefunder") }
diff --git a/apps/ios/SimpleX.xcodeproj/project.pbxproj b/apps/ios/SimpleX.xcodeproj/project.pbxproj
index dfab20ec8a..e0a634a713 100644
--- a/apps/ios/SimpleX.xcodeproj/project.pbxproj
+++ b/apps/ios/SimpleX.xcodeproj/project.pbxproj
@@ -165,6 +165,7 @@
 		646BB38E283FDB6D001CE359 /* LocalAuthenticationUtils.swift in Sources */ = {isa = PBXBuildFile; fileRef = 646BB38D283FDB6D001CE359 /* LocalAuthenticationUtils.swift */; };
 		647B15E82F4C8D2500EB431E /* AddChannelView.swift in Sources */ = {isa = PBXBuildFile; fileRef = 647B15E72F4C8D2500EB431E /* AddChannelView.swift */; };
 		647B15EA2F4C8D5100EB431E /* ChatRelayView.swift in Sources */ = {isa = PBXBuildFile; fileRef = 647B15E92F4C8D5100EB431E /* ChatRelayView.swift */; };
+		647C9E293061362A0032110E /* GetStakeBanner.swift in Sources */ = {isa = PBXBuildFile; fileRef = 647C9E283061362A0032110E /* GetStakeBanner.swift */; };
 		647F090E288EA27B00644C40 /* GroupMemberInfoView.swift in Sources */ = {isa = PBXBuildFile; fileRef = 647F090D288EA27B00644C40 /* GroupMemberInfoView.swift */; };
 		648010AB281ADD15009009B9 /* CIFileView.swift in Sources */ = {isa = PBXBuildFile; fileRef = 648010AA281ADD15009009B9 /* CIFileView.swift */; };
 		648679AB2BC96A74006456E7 /* ChatItemForwardingView.swift in Sources */ = {isa = PBXBuildFile; fileRef = 648679AA2BC96A74006456E7 /* ChatItemForwardingView.swift */; };
@@ -556,6 +557,7 @@
 		646BB38D283FDB6D001CE359 /* LocalAuthenticationUtils.swift */ = {isa = PBXFileReference; lastKnownFileType = sourcecode.swift; path = LocalAuthenticationUtils.swift; sourceTree = "<group>"; };
 		647B15E72F4C8D2500EB431E /* AddChannelView.swift */ = {isa = PBXFileReference; lastKnownFileType = sourcecode.swift; path = AddChannelView.swift; sourceTree = "<group>"; };
 		647B15E92F4C8D5100EB431E /* ChatRelayView.swift */ = {isa = PBXFileReference; lastKnownFileType = sourcecode.swift; path = ChatRelayView.swift; sourceTree = "<group>"; };
+		647C9E283061362A0032110E /* GetStakeBanner.swift */ = {isa = PBXFileReference; lastKnownFileType = sourcecode.swift; path = GetStakeBanner.swift; sourceTree = "<group>"; };
 		647F090D288EA27B00644C40 /* GroupMemberInfoView.swift */ = {isa = PBXFileReference; lastKnownFileType = sourcecode.swift; path = GroupMemberInfoView.swift; sourceTree = "<group>"; };
 		648010AA281ADD15009009B9 /* CIFileView.swift */ = {isa = PBXFileReference; lastKnownFileType = sourcecode.swift; path = CIFileView.swift; sourceTree = "<group>"; };
 		648679AA2BC96A74006456E7 /* ChatItemForwardingView.swift */ = {isa = PBXFileReference; lastKnownFileType = sourcecode.swift; path = ChatItemForwardingView.swift; sourceTree = "<group>"; };
@@ -1052,6 +1054,7 @@
 		5CB9250B27A942F300ACCCDD /* ChatList */ = {
 			isa = PBXGroup;
 			children = (
+				647C9E283061362A0032110E /* GetStakeBanner.swift */,
 				5C2E260A27A30CFA00F70299 /* ChatListView.swift */,
 				5C5346A727B59A6A004DF848 /* ChatHelp.swift */,
 				5CB9250C27A9432000ACCCDD /* ChatListNavLink.swift */,
@@ -1736,6 +1739,7 @@
 				5C1A4C1E27A715B700EAD5AD /* ChatItemView.swift in Sources */,
 				64AA1C6927EE10C800AC7277 /* ContextItemView.swift in Sources */,
 				CE176F202C87014C00145DBC /* InvertedForegroundStyle.swift in Sources */,
+				647C9E293061362A0032110E /* GetStakeBanner.swift in Sources */,
 				5CEBD7482A5F115D00665FE2 /* SetDeliveryReceiptsView.swift in Sources */,
 				5C9C2DA7289957AE00CC63B1 /* AdvancedNetworkSettings.swift in Sources */,
 				5CADE79A29211BB900072E13 /* PreferencesView.swift in Sources */,
diff --git a/apps/ios/product/concepts.md b/apps/ios/product/concepts.md
index 6d63ee2faf..89884eab43 100644
--- a/apps/ios/product/concepts.md
+++ b/apps/ios/product/concepts.md
@@ -19,7 +19,7 @@ This document provides a structured mapping between product-level concepts, thei
 
 | # | Concept | Product Docs | Spec Docs | Source Files (Swift) | Source Files (Haskell) |
 |---|---------|-------------|-----------|---------------------|----------------------|
-| 1 | Chat List | [views/chat-list.md](views/chat-list.md), [views/onboarding.md](views/onboarding.md) | [spec/client/chat-list.md](../spec/client/chat-list.md) | `Shared/Views/ChatList/ChatListView.swift` | `Controller.hs` (`APIGetChats`) |
+| 1 | Chat List | [views/chat-list.md](views/chat-list.md), [views/onboarding.md](views/onboarding.md) | [spec/client/chat-list.md](../spec/client/chat-list.md) | `Shared/Views/ChatList/ChatListView.swift`, `Shared/Views/ChatList/GetStakeBanner.swift` | `Controller.hs` (`APIGetChats`) |
 | 2 | Direct Chat | [views/chat.md](views/chat.md), [flows/messaging.md](flows/messaging.md) | [spec/client/chat-view.md](../spec/client/chat-view.md) | `Shared/Views/Chat/ChatView.swift`, `ChatInfoView.swift` | `Types.hs` (`Contact`), `Messages.hs` |
 | 3 | Group Chat | [views/chat.md](views/chat.md), [views/group-info.md](views/group-info.md) | [spec/client/chat-view.md](../spec/client/chat-view.md) | `Shared/Views/Chat/ChatView.swift`, `Group/GroupChatInfoView.swift` | `Types.hs` (`GroupInfo`, `GroupMember`) |
 | 4 | Message Composition | [views/chat.md](views/chat.md) | [spec/client/compose.md](../spec/client/compose.md) | `ComposeMessage/ComposeView.swift`, `SendMessageView.swift` | `Controller.hs` (`APISendMessages`) |
diff --git a/apps/ios/product/views/chat-list.md b/apps/ios/product/views/chat-list.md
index 04d19bef9e..dee9e1d427 100644
--- a/apps/ios/product/views/chat-list.md
+++ b/apps/ios/product/views/chat-list.md
@@ -93,6 +93,7 @@ When a relay address link (`/r` path) is opened via URL deep link, `ContentView.
 
 - **One-hand UI card** (`OneHandUICard`): Dismissible card shown to introduce bottom toolbar mode
 - **Address creation card** (`AddressCreationCard`): Prompts user to create a SimpleX address
+- **Crowdfunding banner** (`GetStakeBanner`): Shown to users in the US only, above the chats and below the onboarding pages. Tapping it opens `GetStakeView` (invest on Wefunder). The dismiss X appears once the banner has been tapped and there is at least one chat; dismissing hides it until hints are reset
 
 ### Pull-to-Refresh
 
@@ -103,7 +104,7 @@ Triggers `reconnectAllServers()` after user confirmation alert ("Reconnect serve
 | State | Behavior |
 |---|---|
 | Chat database not started | Settings row shows exclamation icon; chat running == false disables interactions |
-| No chats | `ChatHelp` view displayed with onboarding guidance |
+| No conversations yet | `ConnectOnboardingView` pages replace the list, with the crowdfunding banner below them where it applies |
 | Connection in progress | `ConnectProgressManager` overlay with connecting text |
 | Search with no results | Empty list with no special empty-state view |
 
@@ -127,4 +128,5 @@ Triggers `reconnectAllServers()` after user confirmation alert ("Reconnect serve
 - `Shared/Views/ChatList/ContactRequestView.swift` -- Contact request row rendering
 - `Shared/Views/ChatList/ContactConnectionView.swift` -- Pending connection row rendering
 - `Shared/Views/ChatList/OneHandUICard.swift` -- One-hand UI introduction card
+- `Shared/Views/ChatList/GetStakeBanner.swift` -- Wefunder crowdfunding banner and shared banner card chrome
 - `Shared/Views/ChatList/ServersSummaryView.swift` -- Server subscription summary
diff --git a/apps/ios/spec/client/chat-list.md b/apps/ios/spec/client/chat-list.md
index d35de1f80a..900e0d4341 100644
--- a/apps/ios/spec/client/chat-list.md
+++ b/apps/ios/spec/client/chat-list.md
@@ -20,6 +20,7 @@
 7. [Swipe Actions](#7-swipe-actions)
 8. [UserPicker](#8-userpicker)
 9. [Floating Action Button](#9-floating-action-button)
+10. [Crowdfunding Banner](#10-crowdfunding-banner)
 
 ---
 
@@ -53,7 +54,7 @@ ChatListView
 
 ---
 
-## 2. [`ChatListView`](../../Shared/Views/ChatList/ChatListView.swift#L142) {#2-chatlistview}
+## 2. [`ChatListView`](../../Shared/Views/ChatList/ChatListView.swift#L154) {#2-chatlistview}
 
 **File**: `Shared/Views/ChatList/ChatListView.swift`
 
@@ -62,7 +63,7 @@ The root list view. Key responsibilities:
 ### Data Source
 - Reads `ChatModel.shared.chats` (all conversations)
 - Applies active filter from `ChatTagsModel.shared.activeFilter`
-- Applies search query filtering via [`filteredChats()`](../../Shared/Views/ChatList/ChatListView.swift#L480)
+- Applies search query filtering via [`filteredChats()`](../../Shared/Views/ChatList/ChatListView.swift#L555)
 - Sorts by last activity (most recent first), with pinned chats at top
 
 ### Layout
@@ -79,11 +80,11 @@ The root list view. Key responsibilities:
 
 | Function | Line | Description |
 |----------|------|-------------|
-| [`body`](../../Shared/Views/ChatList/ChatListView.swift#L168) | 163 | Main view body |
-| [`filteredChats()`](../../Shared/Views/ChatList/ChatListView.swift#L480) | 472 | Applies active filter and search to chat list |
-| [`searchString()`](../../Shared/Views/ChatList/ChatListView.swift#L523) | 514 | Normalizes search text for comparison |
-| [`unreadBadge()`](../../Shared/Views/ChatList/ChatListView.swift#L454) | 448 | Renders unread count circle badge |
-| [`stopAudioPlayer()`](../../Shared/Views/ChatList/ChatListView.swift#L474) | 467 | Stops any playing voice message |
+| [`body`](../../Shared/Views/ChatList/ChatListView.swift#L183) | 183 | Main view body |
+| [`filteredChats()`](../../Shared/Views/ChatList/ChatListView.swift#L555) | 555 | Applies active filter and search to chat list |
+| [`searchString()`](../../Shared/Views/ChatList/ChatListView.swift#L598) | 598 | Normalizes search text for comparison |
+| [`unreadBadge()`](../../Shared/Views/ChatList/ChatListView.swift#L529) | 529 | Renders unread count circle badge |
+| [`stopAudioPlayer()`](../../Shared/Views/ChatList/ChatListView.swift#L549) | 549 | Stops any playing voice message |
 
 ---
 
@@ -171,7 +172,7 @@ Horizontal scrolling tab bar below the navigation bar. Tabs:
 | Group Reports | `.presetTag(.groupReports)` | Groups with pending reports |
 | User tags | `.userTag(ChatTag)` | User-defined custom tags |
 
-Filter matching is handled by [`presetTagMatchesChat()`](../../Shared/Views/ChatList/ChatListView.swift#L910) (L910) and the in-view [`TagsView`](../../Shared/Views/ChatList/ChatListView.swift#L705) struct (L705).
+Filter matching is handled by [`presetTagMatchesChat()`](../../Shared/Views/ChatList/ChatListView.swift#L1134) and the in-view [`TagsView`](../../Shared/Views/ChatList/ChatListView.swift#L928) struct.
 
 ### ChatTagsModel State
 
@@ -194,9 +195,9 @@ class ChatTagsModel: ObservableObject {
 
 | Type | File | Line | Description |
 |------|------|------|-------------|
-| [`PresetTag`](../../Shared/Views/ChatList/ChatListView.swift#L36) | ChatListView.swift | 34 | Enum of built-in filter categories |
-| [`ActiveFilter`](../../Shared/Views/ChatList/ChatListView.swift#L52) | ChatListView.swift | 49 | Enum wrapping preset, user-tag, or unread filter |
-| [`setActiveFilter()`](../../Shared/Views/ChatList/ChatListView.swift#L889) | ChatListView.swift | 878 | Applies a filter and persists selection |
+| [`PresetTag`](../../Shared/Views/ChatList/ChatListView.swift#L36) | ChatListView.swift | 36 | Enum of built-in filter categories |
+| [`ActiveFilter`](../../Shared/Views/ChatList/ChatListView.swift#L53) | ChatListView.swift | 53 | Enum wrapping preset, user-tag, or unread filter |
+| [`setActiveFilter()`](../../Shared/Views/ChatList/ChatListView.swift#L1113) | ChatListView.swift | 1113 | Applies a filter and persists selection |
 
 ### Tag Management Commands
 - `apiCreateChatTag(tag: ChatTagData)` -- create tag
@@ -211,7 +212,7 @@ class ChatTagsModel: ObservableObject {
 
 Search is available via pull-down gesture or search button in the navigation bar.
 
-**Search bar UI:** [`ChatListSearchBar`](../../Shared/Views/ChatList/ChatListView.swift#L587) (ChatListView.swift L578)
+**Search bar UI:** [`ChatListSearchBar`](../../Shared/Views/ChatList/ChatListView.swift#L662)
 
 ### Filtering Logic
 - Filters `ChatModel.chats` by matching search text against:
@@ -219,7 +220,7 @@ Search is available via pull-down gesture or search button in the navigation bar
   - `chatInfo.localAlias` (local alias)
   - `chatInfo.fullName` (full name)
 - For deeper message content search, uses `apiGetChat(chatId:, search:)` parameter
-- Core logic in [`filteredChats()`](../../Shared/Views/ChatList/ChatListView.swift#L480) (L480) and [`searchString()`](../../Shared/Views/ChatList/ChatListView.swift#L523) (L523)
+- Core logic in [`filteredChats()`](../../Shared/Views/ChatList/ChatListView.swift#L555) and [`searchString()`](../../Shared/Views/ChatList/ChatListView.swift#L598)
 
 ### Search Results
 - Matching chats are displayed in the same list format
@@ -279,11 +280,43 @@ The FAB (floating action button) in the bottom-right corner opens the new chat f
 
 ---
 
+## 10. [`GetStakeBanner`](../../Shared/Views/ChatList/GetStakeBanner.swift#L13) {#10-crowdfunding-banner}
+
+**File**: `Shared/Views/ChatList/GetStakeBanner.swift`
+
+Gradient card inviting the user to invest on Wefunder. Shown only when [`isInUS`](../../Shared/Views/Onboarding/WhatsNewView.swift#L45) — the same condition that gates the Wefunder row in settings — and only while `DEFAULT_GET_STAKE_BANNER_DISMISSED` is false.
+
+### Placement
+
+| Where | Condition | Layout |
+|-------|-----------|--------|
+| Chat list | rendered whenever [`chatListContent`](../../Shared/Views/ChatList/ChatListView.swift#L413) is, in the `List` after `OneHandUICard` and before the chats | `.padding(.vertical, 3)`, flipped for one-hand UI, `.zIndex(1)` |
+| Onboarding | below [`ConnectOnboardingView`](../../Shared/Views/NewChat/OnboardingCards.swift#L135) when `shouldShowOnboarding` | `.padding(.horizontal, 20)` (the onboarding cards' margin), `.padding(.bottom, 8)` |
+
+In the onboarding branch the `.scaleEffect` and `ThemedBackground` are applied to the enclosing `VStack` rather than to each child, so the banner stays below the pages in both toolbar modes.
+
+### Dismissal
+
+| Default | Set by | Effect |
+|---------|--------|--------|
+| `DEFAULT_GET_STAKE_BANNER_TAPPED` | [`openGetStake()`](../../Shared/Views/ChatList/ChatListView.swift#L408) | the dismiss X appears from then on, while there are chats |
+| `DEFAULT_GET_STAKE_BANNER_DISMISSED` | the dismiss X | hides the banner in both placements |
+
+Both are in `hintDefaults`, so "Reset all hints" in the developer settings restores the banner. The X is never offered in the onboarding branch, so the banner cannot be dismissed before the user has a chat.
+
+Tapping the card opens [`GetStakeView`](../../Shared/Views/Onboarding/WhatsNewView.swift#L834) as an `appSheet`.
+
+### Shared card chrome
+
+`BannerCard` (a `ViewModifier`: paddings, minimum height scaled by Dynamic Type, gradient background, rounded corners) and `BannerDismissButton` are declared separately from `GetStakeBanner` so other banners can adopt the same chrome. The gradient reuses `OnboardingCardView.gradientPoints`, `lightStops` and `darkStops`.
+
+---
+
 ## Source Files
 
 | File | Path | Key struct | Line |
 |------|------|------------|------|
-| Chat list view | [`ChatListView.swift`](../../Shared/Views/ChatList/ChatListView.swift) | `ChatListView` | [138](../../Shared/Views/ChatList/ChatListView.swift#L142) |
+| Chat list view | [`ChatListView.swift`](../../Shared/Views/ChatList/ChatListView.swift) | `ChatListView` | [154](../../Shared/Views/ChatList/ChatListView.swift#L154) |
 | Chat preview row | [`ChatPreviewView.swift`](../../Shared/Views/ChatList/ChatPreviewView.swift) | `ChatPreviewView` | [12](../../Shared/Views/ChatList/ChatPreviewView.swift#L13) |
 | Navigation link wrapper | [`ChatListNavLink.swift`](../../Shared/Views/ChatList/ChatListNavLink.swift) | `ChatListNavLink` | [43](../../Shared/Views/ChatList/ChatListNavLink.swift#L44) |
 | Tag filter tabs | [`TagListView.swift`](../../Shared/Views/ChatList/TagListView.swift) | `TagListView` | [19](../../Shared/Views/ChatList/TagListView.swift#L20) |
@@ -294,3 +327,4 @@ The FAB (floating action button) in the bottom-right corner opens the new chat f
 | Contact connection view | [`ContactConnectionView.swift`](../../Shared/Views/ChatList/ContactConnectionView.swift) | | |
 | Server summary | [`ServersSummaryView.swift`](../../Shared/Views/ChatList/ServersSummaryView.swift) | | |
 | One-hand UI card | [`OneHandUICard.swift`](../../Shared/Views/ChatList/OneHandUICard.swift) | | |
+| Crowdfunding banner | [`GetStakeBanner.swift`](../../Shared/Views/ChatList/GetStakeBanner.swift) | `GetStakeBanner` | [13](../../Shared/Views/ChatList/GetStakeBanner.swift#L13) |
diff --git a/apps/ios/spec/impact.md b/apps/ios/spec/impact.md
index 74acec789e..35528f30d6 100644
--- a/apps/ios/spec/impact.md
+++ b/apps/ios/spec/impact.md
@@ -52,6 +52,7 @@
 | Shared/SimpleXApp.swift | PC1 through PC31 | High | App entry point — initialization affects everything |
 | Shared/AppDelegate.swift | PC18 | Medium | Push notification registration |
 | Shared/Views/ChatList/ChatListView.swift | PC1, PC28 | High | Main screen rendering and filtering |
+| Shared/Views/ChatList/GetStakeBanner.swift | PC1 | Low | Crowdfunding banner and shared banner card chrome |
 | Shared/Views/Chat/ChatView.swift | PC2, PC3, PC4, PC5, PC6, PC7, PC8, PC9, PC11, PC31 | High | Core conversation UI — most messaging features, channel message rendering |
 | Shared/Views/Chat/ComposeMessage/ComposeView.swift | PC4, PC6, PC9, PC11, PC31 | High | Message composition — send path for all messages, channel sendAsGroup |
 | Shared/Views/Chat/ChatItem/ | PC2, PC3, PC5, PC7, PC8, PC9, PC10, PC11 | Medium | Individual message rendering components |
diff --git a/apps/multiplatform/CODE.md b/apps/multiplatform/CODE.md
index 67fa676414..30462d18e8 100644
--- a/apps/multiplatform/CODE.md
+++ b/apps/multiplatform/CODE.md
@@ -240,6 +240,7 @@ desktop/src/jvmMain/kotlin/chat/simplex/desktop/ -- Desktop app (1 file)
 | common/.../common/ui/theme/Theme.kt | spec/services/theme.md | product/views/settings.md |
 | common/.../common/ui/theme/Color.kt | spec/services/theme.md | product/views/settings.md |
 | common/.../common/views/chatlist/ChatListView.kt | spec/client/chat-list.md | product/views/chat-list.md |
+| common/.../common/views/chatlist/GetStakeBanner.kt | spec/client/chat-list.md | product/views/chat-list.md |
 | common/.../common/views/chatlist/ChatListNavLinkView.kt | spec/client/chat-list.md | product/views/chat-list.md |
 | common/.../common/views/chatlist/ChatPreviewView.kt | spec/client/chat-list.md | product/views/chat-list.md |
 | common/.../common/views/chatlist/UserPicker.kt | spec/client/chat-list.md | product/views/chat-list.md |
diff --git a/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/App.kt b/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/App.kt
index cb91c386ce..338e602a45 100644
--- a/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/App.kt
+++ b/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/App.kt
@@ -397,9 +397,11 @@ fun CenterPartOfScreen() {
   }
   when (currentChatId.value) {
     null -> {
-      if (shouldShowOnboarding()) {
+      if (rememberUpdatedState(ModalManager.center.hasModalsOpen()).value) {
+        ModalManager.center.showInView()
+      } else if (shouldShowOnboarding()) {
         ConnectOnboardingView()
-      } else if (!rememberUpdatedState(ModalManager.center.hasModalsOpen()).value) {
+      } else {
         Box(
           Modifier
             .fillMaxSize()
@@ -408,8 +410,6 @@ fun CenterPartOfScreen() {
         ) {
           Text(stringResource(if (chatModel.desktopNoUserNoRemote) MR.strings.no_connected_mobile else MR.strings.no_selected_chat))
         }
-      } else {
-        ModalManager.center.showInView()
       }
     }
     else -> ChatView(chatsCtx = chatModel.chatsContext, currentChatId) {}
diff --git a/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/model/SimpleXAPI.kt b/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/model/SimpleXAPI.kt
index 966a931208..92f4c6d5c0 100644
--- a/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/model/SimpleXAPI.kt
+++ b/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/model/SimpleXAPI.kt
@@ -193,6 +193,8 @@ class AppPreferences {
   val oneHandUICardShown = mkBoolPreference(SHARED_PREFS_ONE_HAND_UI_CARD_SHOWN, false)
   val addressCreationCardShown = mkBoolPreference(SHARED_PREFS_ADDRESS_CREATION_CARD_SHOWN, false)
   val supporterBannerShown = mkBoolPreference(SHARED_PREFS_SUPPORTER_BANNER_SHOWN, false)
+  val getStakeBannerTapped = mkBoolPreference(SHARED_PREFS_GET_STAKE_BANNER_TAPPED, false)
+  val getStakeBannerDismissed = mkBoolPreference(SHARED_PREFS_GET_STAKE_BANNER_DISMISSED, false)
   val showMuteProfileAlert = mkBoolPreference(SHARED_PREFS_SHOW_MUTE_PROFILE_ALERT, true)
   val showReportsInSupportChatAlert = mkBoolPreference(SHARED_PREFS_SHOW_REPORTS_IN_SUPPORT_CHAT_ALERT, true)
   val appLanguage = mkStrPreference(SHARED_PREFS_APP_LANGUAGE, null)
@@ -275,6 +277,8 @@ class AppPreferences {
     hintPref(oneHandUICardShown, false),
     hintPref(addressCreationCardShown, false),
     hintPref(supporterBannerShown, false),
+    hintPref(getStakeBannerTapped, false),
+    hintPref(getStakeBannerDismissed, false),
     hintPref(liveMessageAlertShown, false),
     hintPref(signMessageAlertShown, false),
     hintPref(showHiddenProfilesNotice, true),
@@ -467,6 +471,8 @@ class AppPreferences {
     private const val SHARED_PREFS_ONE_HAND_UI_CARD_SHOWN = "OneHandUICardShown"
     private const val SHARED_PREFS_ADDRESS_CREATION_CARD_SHOWN = "AddressCreationCardShown"
     private const val SHARED_PREFS_SUPPORTER_BANNER_SHOWN = "SupporterBannerShown"
+    private const val SHARED_PREFS_GET_STAKE_BANNER_TAPPED = "GetStakeBannerTapped"
+    private const val SHARED_PREFS_GET_STAKE_BANNER_DISMISSED = "GetStakeBannerDismissed"
     private const val SHARED_PREFS_SHOW_MUTE_PROFILE_ALERT = "ShowMuteProfileAlert"
     private const val SHARED_PREFS_SHOW_REPORTS_IN_SUPPORT_CHAT_ALERT = "ShowReportsInSupportChatAlert"
     private const val SHARED_PREFS_STORE_DB_PASSPHRASE = "StoreDBPassphrase"
diff --git a/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/ChatListView.kt b/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/ChatListView.kt
index a013cc97a2..3d0e7c7d2e 100644
--- a/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/ChatListView.kt
+++ b/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/ChatListView.kt
@@ -950,6 +950,10 @@ private fun BoxScope.ChatList(searchText: MutableState<TextFieldValue>, listStat
   val oneHandUICardShown = remember { appPrefs.oneHandUICardShown.state }
   val addressCreationCardShown = remember { appPrefs.addressCreationCardShown.state }
   val supporterBannerShown = remember { appPrefs.supporterBannerShown.state }
+  val getStakeBannerTapped = remember { appPrefs.getStakeBannerTapped.state }
+  val getStakeBannerDismissed = remember { appPrefs.getStakeBannerDismissed.state }
+  // read here rather than in the LazyColumn: it launches an effect, so it needs a composable scope
+  val crowdfunding = crowdfundingAvailable()
   val activeFilter = remember { chatModel.activeChatTagFilter }
 
   LaunchedEffect(listState.firstVisibleItemIndex, listState.firstVisibleItemScrollOffset) {
@@ -1060,6 +1064,16 @@ private fun BoxScope.ChatList(searchText: MutableState<TextFieldValue>, listStat
           )
         }
       }
+    } else if (crowdfunding && !getStakeBannerDismissed.value) {
+      item {
+        Box(Modifier.zIndex(1f).padding(16.dp)) {
+          GetStakeBanner(
+            showDismiss = getStakeBannerTapped.value && chatModel.chats.value.isNotEmpty(),
+            onTap = { openGetStake(ModalManager.start) },
+            onDismiss = { appPrefs.getStakeBannerDismissed.set(true) }
+          )
+        }
+      }
     }
     itemsIndexed(chats, key = { _, chat -> chat.remoteHostId to chat.id }) { index, chat ->
       val nextChatSelected = remember(chat.id, chats) { derivedStateOf {
diff --git a/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/GetStakeBanner.kt b/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/GetStakeBanner.kt
new file mode 100644
index 0000000000..9d6833854e
--- /dev/null
+++ b/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/GetStakeBanner.kt
@@ -0,0 +1,127 @@
+package chat.simplex.common.views.chatlist
+
+import androidx.compose.foundation.background
+import androidx.compose.foundation.clickable
+import androidx.compose.foundation.layout.*
+import androidx.compose.foundation.shape.CircleShape
+import androidx.compose.foundation.shape.RoundedCornerShape
+import androidx.compose.material.*
+import androidx.compose.runtime.*
+import androidx.compose.ui.Alignment
+import androidx.compose.ui.Modifier
+import androidx.compose.ui.draw.clip
+import androidx.compose.ui.geometry.Offset
+import androidx.compose.ui.graphics.Brush
+import androidx.compose.ui.layout.onSizeChanged
+import androidx.compose.ui.text.font.FontWeight
+import androidx.compose.ui.text.style.TextOverflow
+import androidx.compose.ui.unit.IntSize
+import androidx.compose.ui.unit.dp
+import dev.icerock.moko.resources.compose.painterResource
+import dev.icerock.moko.resources.compose.stringResource
+import chat.simplex.common.model.ChatController.appPrefs
+import chat.simplex.common.ui.theme.isInDarkTheme
+import chat.simplex.common.views.helpers.ModalManager
+import chat.simplex.common.views.helpers.fontSizeMultiplier
+import chat.simplex.common.views.newchat.darkStops
+import chat.simplex.common.views.newchat.gradientPoints
+import chat.simplex.common.views.newchat.lightStops
+import chat.simplex.common.views.onboarding.GetStakeView
+import chat.simplex.res.MR
+
+// Spec: spec/client/chat-list.md#GetStakeBanner
+@Composable
+fun GetStakeBanner(showDismiss: Boolean, onTap: () -> Unit, onDismiss: () -> Unit) {
+  Box(Modifier.fillMaxWidth()) {
+    Row(
+      Modifier
+        .bannerCard(onTap)
+        // the end padding is the 8dp trailing inset plus the X's 36dp hit region
+        .padding(start = 16.dp, end = 44.dp, top = 12.dp, bottom = 12.dp),
+      verticalAlignment = Alignment.CenterVertically
+    ) {
+      Column(verticalArrangement = Arrangement.spacedBy(4.dp)) {
+        Text(
+          stringResource(MR.strings.invest_banner_title),
+          style = MaterialTheme.typography.body1,
+          fontWeight = FontWeight.SemiBold,
+          color = MaterialTheme.colors.primary,
+          maxLines = 2,
+          overflow = TextOverflow.Ellipsis
+        )
+        Text(
+          stringResource(MR.strings.invest_banner_subtitle),
+          style = MaterialTheme.typography.body2,
+          color = MaterialTheme.colors.onBackground,
+          maxLines = 2,
+          overflow = TextOverflow.Ellipsis
+        )
+      }
+    }
+
+    if (showDismiss) {
+      BannerDismissButton(Modifier.align(Alignment.TopEnd), onDismiss)
+    }
+  }
+}
+
+fun openGetStake(modalManager: ModalManager) {
+  appPrefs.getStakeBannerTapped.set(true)
+  modalManager.showModalCloseable(cardScreen = true) { close ->
+    GetStakeView(showFirstImage = true, inCenterOfWindow = modalManager === ModalManager.center, close = close)
+  }
+}
+
+@Composable
+fun Modifier.bannerCard(onTap: () -> Unit): Modifier {
+  // grows linearly with system font but never shrinks below the default, and the card grows further
+  // when 2-line text wraps at very large fonts
+  val cardHeight = (72.dp * fontSizeMultiplier).coerceAtLeast(72.dp)
+  val isDark = isInDarkTheme()
+  var cardSize by remember { mutableStateOf(IntSize.Zero) }
+  val brush = remember(isDark, cardSize) { gradientBrush(isDark, cardSize) }
+  return this
+    .fillMaxWidth()
+    .heightIn(min = cardHeight)
+    .clip(RoundedCornerShape(16.dp))
+    .background(brush)
+    .clickable(onClick = onTap)
+    .onSizeChanged { cardSize = it }
+}
+
+// Same X pattern as OneHandUICard: circle-clipped clickable region with inner padding for hit area.
+@Composable
+fun BannerDismissButton(modifier: Modifier, onDismiss: () -> Unit) {
+  Icon(
+    painterResource(MR.images.ic_close),
+    contentDescription = stringResource(MR.strings.icon_descr_close_button),
+    tint = if (isInDarkTheme()) MaterialTheme.colors.onBackground else MaterialTheme.colors.secondary,
+    modifier = modifier
+      .padding(end = 4.dp, top = 4.dp)
+      .clip(CircleShape)
+      .clickable(onClick = onDismiss)
+      .padding(8.dp)
+      .size(16.dp)
+  )
+}
+
+// Geometry-aware gradient with asymmetric scale: start (dark) pushed further below the card than
+// end (warm) is above, so card-middle lands at the bright/mid-transition stop, not the dark region.
+private fun gradientBrush(isDark: Boolean, size: IntSize): Brush {
+  val stops = if (isDark) darkStops else lightStops
+  if (size.width == 0 || size.height == 0) return Brush.linearGradient(colorStops = stops)
+  val w = size.width.toFloat()
+  val h = size.height.toFloat()
+  val startScale = if (isDark) 3.0f else 2.5f
+  val endScale = if (isDark) 2.1f else 1.7f
+  val gp = gradientPoints(h / w, 1.0f)
+  val sx = 0.5f + (gp.startX - 0.5f) * startScale
+  val sy = 0.5f + (gp.startY - 0.5f) * startScale
+  val ex = 0.5f + (gp.endX - 0.5f) * endScale
+  val ey = 0.5f + (gp.endY - 0.5f) * endScale
+  return Brush.linearGradient(
+    colorStops = stops,
+    start = Offset(sx * w, sy * h),
+    end = Offset(ex * w, ey * h)
+  )
+}
diff --git a/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/newchat/OnboardingCards.kt b/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/newchat/OnboardingCards.kt
index bd33bde96a..a1cc8676de 100644
--- a/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/newchat/OnboardingCards.kt
+++ b/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/newchat/OnboardingCards.kt
@@ -23,6 +23,7 @@ import androidx.compose.ui.layout.onSizeChanged
 import androidx.compose.ui.text.font.FontWeight
 import androidx.compose.ui.text.style.TextAlign
 import androidx.compose.ui.text.style.TextOverflow
+import androidx.compose.ui.unit.Dp
 import androidx.compose.ui.unit.IntSize
 import androidx.compose.ui.unit.dp
 import dev.icerock.moko.resources.compose.painterResource
@@ -32,7 +33,10 @@ import chat.simplex.common.model.*
 import chat.simplex.common.model.ChatController.appPrefs
 import chat.simplex.common.platform.*
 import chat.simplex.common.ui.theme.*
+import chat.simplex.common.views.chatlist.GetStakeBanner
+import chat.simplex.common.views.chatlist.openGetStake
 import chat.simplex.common.views.helpers.*
+import chat.simplex.common.views.onboarding.crowdfundingAvailable
 import chat.simplex.common.views.usersettings.UserAddressView
 import chat.simplex.res.MR
 import kotlinx.coroutines.launch
@@ -415,6 +419,27 @@ fun ConnectOnboardingView() {
     }
   }
 
+  val getStakeBannerDismissed = remember { appPrefs.getStakeBannerDismissed.state }
+  val showGetStakeBanner = crowdfundingAvailable() && !getStakeBannerDismissed.value
+  // on desktop the pages span the window, but the banner keeps the width it has in the chat list
+  val bannerMaxWidth = if (appPlatform.isDesktop) DEFAULT_START_MODAL_WIDTH * fontSizeSqrtMultiplier else Dp.Unspecified
+  val content = @Composable {
+    Column(Modifier.fillMaxSize()) {
+      Box(Modifier.weight(1f).fillMaxWidth()) {
+        pager()
+      }
+      if (showGetStakeBanner) {
+        Box(Modifier.align(Alignment.CenterHorizontally).widthIn(max = bannerMaxWidth).padding(start = DEFAULT_PADDING, end = DEFAULT_PADDING, bottom = 8.dp)) {
+          GetStakeBanner(
+            showDismiss = false,
+            onTap = cardClickOverride ?: { openGetStake(if (appPlatform.isDesktop) ModalManager.center else ModalManager.start) },
+            onDismiss = {}
+          )
+        }
+      }
+    }
+  }
+
   if (appPlatform.isDesktop) {
     val maxContentWidth = DEFAULT_WINDOW_WIDTH - DEFAULT_START_MODAL_WIDTH * fontSizeSqrtMultiplier
     Box(
@@ -422,12 +447,12 @@ fun ConnectOnboardingView() {
       contentAlignment = Alignment.Center
     ) {
       Box(Modifier.widthIn(max = maxContentWidth).fillMaxHeight()) {
-        pager()
+        content()
       }
     }
   } else {
     Box(Modifier.fillMaxSize(), contentAlignment = Alignment.Center) {
-      pager()
+      content()
     }
   }
 }
diff --git a/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/onboarding/WhatsNewView.kt b/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/onboarding/WhatsNewView.kt
index ca9ee078d6..0fa53ea6de 100644
--- a/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/onboarding/WhatsNewView.kt
+++ b/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/onboarding/WhatsNewView.kt
@@ -1088,7 +1088,7 @@ fun isInUs(): Boolean =
 @Composable
 private fun InvestInSimpleXChatView(modalManager: ModalManager) {
   if (!crowdfundingAvailable()) return
-  val showGetStake = { modalManager.showModalCloseable(cardScreen = true) { close -> GetStakeView(fromSettings = false, inCenterOfWindow = crowdfundingLayout.inCenterOfWindow(modalManager), close = close) } }
+  val showGetStake = { modalManager.showModalCloseable(cardScreen = true) { close -> GetStakeView(showFirstImage = false, inCenterOfWindow = crowdfundingLayout.inCenterOfWindow(modalManager), close = close) } }
   Column(modifier = Modifier.padding(bottom = 12.dp)) {
     Text(
       generalGetString(MR.strings.v7_0_invest),
@@ -1170,7 +1170,7 @@ private val getStakeSlides: List<CrowdfundingSlide> = listOf(
 )
 
 @Composable
-fun GetStakeView(fromSettings: Boolean, inCenterOfWindow: Boolean = false, close: () -> Unit) {
+fun GetStakeView(showFirstImage: Boolean, inCenterOfWindow: Boolean = false, close: () -> Unit) {
   val uriHandler = LocalUriHandler.current
   val stopped = chatModel.chatRunning.value == false
 
@@ -1200,7 +1200,7 @@ fun GetStakeView(fromSettings: Boolean, inCenterOfWindow: Boolean = false, close
     val title = "Get a stake in\nSimpleX Chat"
     AppBarTitle(if (inCenterOfWindow) title.replace("\n", " ") else title, withPadding = false)
     // What's new already shows the image of the first slide, above the link that opens this page
-    if (fromSettings) {
+    if (showFirstImage) {
       slideImage(getStakeSlides[0])
     }
     Text(
@@ -1213,7 +1213,7 @@ fun GetStakeView(fromSettings: Boolean, inCenterOfWindow: Boolean = false, close
           }
         }
       },
-      Modifier.padding(top = if (fromSettings) 8.dp else 0.dp),
+      Modifier.padding(top = if (showFirstImage) 8.dp else 0.dp),
       lineHeight = 24.sp
     )
 
diff --git a/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/usersettings/SettingsView.kt b/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/usersettings/SettingsView.kt
index cbd2be9ee3..9e1a6eb4ad 100644
--- a/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/usersettings/SettingsView.kt
+++ b/apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/usersettings/SettingsView.kt
@@ -132,7 +132,7 @@ fun SettingsLayout(
         SettingsActionItem(
           painterResource(MR.images.ic_redeem),
           stringResource(MR.strings.v7_0_crowdfunding),
-          { ModalManager.start.showModalCloseable(cardScreen = true) { close -> GetStakeView(fromSettings = true, close = close) } }
+          { ModalManager.start.showModalCloseable(cardScreen = true) { close -> GetStakeView(showFirstImage = true, close = close) } }
         )
       }
     }
diff --git a/apps/multiplatform/common/src/commonMain/resources/MR/base/strings.xml b/apps/multiplatform/common/src/commonMain/resources/MR/base/strings.xml
index f305ffc13f..feed7b3c8e 100644
--- a/apps/multiplatform/common/src/commonMain/resources/MR/base/strings.xml
+++ b/apps/multiplatform/common/src/commonMain/resources/MR/base/strings.xml
@@ -2678,6 +2678,8 @@
   <string name="v7_0_invest_descr" translatable="false">Crowdfunding on Wefunder.</string>
   <string name="v7_0_crowdfunding" translatable="false">Crowdfunding on Wefunder</string>
   <string name="v7_0_invest_learn_more" translatable="false">Learn more on Wefunder</string>
+  <string name="invest_banner_title" translatable="false">Get a stake in SimpleX Chat!</string>
+  <string name="invest_banner_subtitle" translatable="false">Invest on Wefunder from $100</string>
   <string name="v7_0_simplex_names">SimpleX public names (BETA)</string>
   <string name="v7_0_simplex_names_descr">Public names for your channel or business.</string>
   <string name="v7_0_channels">Better channels 📢</string>
diff --git a/apps/multiplatform/product/concepts.md b/apps/multiplatform/product/concepts.md
index 5d707cf832..d29ac5c2e5 100644
--- a/apps/multiplatform/product/concepts.md
+++ b/apps/multiplatform/product/concepts.md
@@ -19,7 +19,7 @@ This document provides a structured mapping between product-level concepts, thei
 
 | # | Concept | Product Docs | Spec Docs | Source Files (Kotlin) | Source Files (Haskell) |
 |---|---------|-------------|-----------|----------------------|----------------------|
-| PC1 | Chat List | [README.md](README.md) (Navigation Map) | [spec/client/chat-list.md](../spec/client/chat-list.md) | `common/.../views/chatlist/ChatListView.kt`, `ChatListNavLinkView.kt`, `ChatPreviewView.kt` | `Controller.hs` (`APIGetChats`) |
+| PC1 | Chat List | [README.md](README.md) (Navigation Map) | [spec/client/chat-list.md](../spec/client/chat-list.md) | `common/.../views/chatlist/ChatListView.kt`, `ChatListNavLinkView.kt`, `ChatPreviewView.kt`, `GetStakeBanner.kt` | `Controller.hs` (`APIGetChats`) |
 | PC2 | Direct Chat | [README.md](README.md) (Messaging) | [spec/client/chat-view.md](../spec/client/chat-view.md) | `common/.../views/chat/ChatView.kt`, `ChatInfoView.kt` | `Types.hs` (`Contact`), `Messages.hs` |
 | PC3 | Group Chat | [README.md](README.md) (Groups) | [spec/client/chat-view.md](../spec/client/chat-view.md) | `common/.../views/chat/ChatView.kt`, `group/GroupChatInfoView.kt` | `Types.hs` (`GroupInfo`, `GroupMember`) |
 | PC4 | Message Composition | [README.md](README.md) (Messaging) | [spec/client/compose.md](../spec/client/compose.md) | `common/.../views/chat/ComposeView.kt`, `SendMsgView.kt`, `ComposeVoiceView.kt`, `ComposeImageView.kt`, `ComposeFileView.kt` | `Controller.hs` (`APISendMessages`) |
diff --git a/apps/multiplatform/product/views/chat-list.md b/apps/multiplatform/product/views/chat-list.md
index daa7907c5d..a09994d1e3 100644
--- a/apps/multiplatform/product/views/chat-list.md
+++ b/apps/multiplatform/product/views/chat-list.md
@@ -115,6 +115,7 @@ Each chat type provides specific dropdown menu items:
 | One-hand UI card (`ToggleChatListCard`) | `oneHandUICardShown == false` | Dismissible card introducing bottom toolbar mode with toggle switch |
 | Address creation card (`AddressCreationCard`) | `addressCreationCardShown == false` | Prompts user to create a SimpleX address; tappable card opens `UserAddressLearnMore` |
 | FAB (new chat button) | Standard mode, search empty, chat running | `FloatingActionButton` at bottom-right, pencil icon, opens `NewChatSheet` |
+| Crowdfunding banner (`GetStakeBanner`) | `crowdfundingAvailable()` and not dismissed | Gradient card above the chats, and below the onboarding cards when there are no conversations; opens `GetStakeView`. The dismiss X appears once the banner has been tapped and there is at least one chat; dismissing hides it until hints are reset |
 
 ### Empty States
 
@@ -134,3 +135,4 @@ Each chat type provides specific dropdown menu items:
 | `ChatPreviewView.kt` | `views/chatlist/ChatPreviewView.kt` |
 | `UserPicker.kt` | `views/chatlist/UserPicker.kt` |
 | `TagListView.kt` | `views/chatlist/TagListView.kt` |
+| `GetStakeBanner.kt` | `views/chatlist/GetStakeBanner.kt` |
diff --git a/apps/multiplatform/spec/README.md b/apps/multiplatform/spec/README.md
index c5d9a3b4f7..d6a7ec20af 100644
--- a/apps/multiplatform/spec/README.md
+++ b/apps/multiplatform/spec/README.md
@@ -124,9 +124,9 @@ Common Module (commonMain)
 | Desktop Init | [`AppCommon.desktop.kt`](../common/src/desktopMain/kotlin/chat/simplex/common/platform/AppCommon.desktop.kt#L21) | `fun initApp()` | 21 |
 | Common App Screen | [`App.kt`](../common/src/commonMain/kotlin/chat/simplex/common/App.kt#L47) | `fun AppScreen()` | 47 |
 | JNI Bridge | [`Core.kt`](../common/src/commonMain/kotlin/chat/simplex/common/platform/Core.kt#L18) | `external fun initHS()` | 18 |
-| Chat Controller | [`SimpleXAPI.kt`](../common/src/commonMain/kotlin/chat/simplex/common/model/SimpleXAPI.kt#L493) | `object ChatController` | 493 |
+| Chat Controller | [`SimpleXAPI.kt`](../common/src/commonMain/kotlin/chat/simplex/common/model/SimpleXAPI.kt#L525) | `object ChatController` | 525 |
 | Chat Model | [`ChatModel.kt`](../common/src/commonMain/kotlin/chat/simplex/common/model/ChatModel.kt#L86) | `object ChatModel` | 86 |
-| App Preferences | [`SimpleXAPI.kt`](../common/src/commonMain/kotlin/chat/simplex/common/model/SimpleXAPI.kt#L94) | `class AppPreferences` | 94 |
+| App Preferences | [`SimpleXAPI.kt`](../common/src/commonMain/kotlin/chat/simplex/common/model/SimpleXAPI.kt#L102) | `class AppPreferences` | 102 |
 | Platform Interface | [`Platform.kt`](../common/src/commonMain/kotlin/chat/simplex/common/platform/Platform.kt#L15) | `interface PlatformInterface` | 15 |
 | Notification Manager | [`NtfManager.kt`](../common/src/commonMain/kotlin/chat/simplex/common/platform/NtfManager.kt#L19) | `abstract class NtfManager` | 19 |
 | Theme Manager | [`ThemeManager.kt`](../common/src/commonMain/kotlin/chat/simplex/common/ui/theme/ThemeManager.kt#L18) | `object ThemeManager` | 18 |
diff --git a/apps/multiplatform/spec/client/chat-list.md b/apps/multiplatform/spec/client/chat-list.md
index b0f3750659..a5eeb268fa 100644
--- a/apps/multiplatform/spec/client/chat-list.md
+++ b/apps/multiplatform/spec/client/chat-list.md
@@ -15,12 +15,13 @@ Source: `common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/ChatLis
 7. [Tag System](#7-tag-system)
 8. [UserPicker](#8-userpicker)
 9. [Source Files](#9-source-files)
+10. [Crowdfunding Banner](#10-crowdfunding-banner)
 
 ---
 
 ## Executive Summary
 
-The Chat List is the landing screen of SimpleX Chat, rendering all conversations for the active user. Built around `ChatListView` (line 126 in `ChatListView.kt`), it provides a searchable, filterable `LazyColumn` of chat previews with a toolbar, tag-based filtering, and a user-switching side panel. The view adapts between one-hand UI mode (toolbar at bottom, reversed list) and standard mode (toolbar at top). Search also accepts SimpleX links for direct connection.
+The Chat List is the landing screen of SimpleX Chat, rendering all conversations for the active user. Built around `ChatListView` (line 179 in `ChatListView.kt`), it provides a searchable, filterable `LazyColumn` of chat previews with a toolbar, tag-based filtering, and a user-switching side panel. The view adapts between one-hand UI mode (toolbar at bottom, reversed list) and standard mode (toolbar at top). Search also accepts SimpleX links for direct connection.
 
 ---
 
@@ -53,7 +54,7 @@ ChatListView
 
 ## 2. ChatListView Composable
 
-**Location:** [`ChatListView.kt#L127`](../../common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/ChatListView.kt#L127)
+**Location:** [`ChatListView.kt#L179`](../../common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/ChatListView.kt#L179)
 
 ```kotlin
 fun ChatListView(
@@ -66,8 +67,8 @@ fun ChatListView(
 
 ### Initialization
 
-- Shows "What's New" modal on first launch after update (line ~130), with a 1-second delay.
-- On desktop, closing a chat resets audio/video players (line ~138).
+- Shows "What's New" modal on first launch after update (line ~185), with a 1-second delay.
+- On desktop, closing a chat resets audio/video players (line ~193).
 
 ### Layout Modes
 
@@ -88,8 +89,8 @@ The `oneHandUI` preference (`appPrefs.oneHandUI.state`) controls the layout:
 
 ### Android-specific
 
-- `SetNotificationsModeAdditions`: Notification permission setup (line ~184).
-- `UserPicker`: Overlay side panel for user switching (line ~192).
+- `SetNotificationsModeAdditions`: Notification permission setup (line ~243).
+- `UserPicker`: Overlay side panel for user switching (line ~247).
 
 ---
 
@@ -113,7 +114,7 @@ The `oneHandUI` preference (`appPrefs.oneHandUI.state`) controls the layout:
 
 ### Active Filter Types
 
-Defined as sealed class `ActiveFilter` (line ~51):
+Defined as sealed class `ActiveFilter` (line ~59):
 
 ```kotlin
 sealed class ActiveFilter {
@@ -136,7 +137,7 @@ sealed class ActiveFilter {
 
 ### Search Filtering
 
-The `filteredChats` function (line ~1188) applies filters in this order:
+The `filteredChats` function (line ~1474) applies filters in this order:
 
 1. **SimpleX link match:** If a pasted link resolved to a known contact/group, show only that chat.
 2. **Text search:** Case-insensitive match against `chat.chatInfo.chatViewName`, `chat.chatInfo.fullName`, and `chat.chatInfo.localAlias`.
@@ -147,7 +148,7 @@ The `filteredChats` function (line ~1188) applies filters in this order:
 
 ### Search Bar
 
-`ChatListSearchBar` (line ~611) provides:
+`ChatListSearchBar` (line ~765) provides:
 - Text input with search icon.
 - SimpleX link detection: When a pasted string contains a single SimpleX link, it triggers `planAndConnect` for connection, suppressing normal search.
 - Unread filter toggle button (right side, when search is empty).
@@ -158,7 +159,7 @@ The `filteredChats` function (line ~1188) applies filters in this order:
 
 ## 5. Chat Preview
 
-**Location:** [`ChatPreviewView.kt#L40`](../../common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/ChatPreviewView.kt#L40)
+**Location:** [`ChatPreviewView.kt#L41`](../../common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/ChatPreviewView.kt#L41)
 
 ```kotlin
 fun ChatPreviewView(
@@ -224,7 +225,7 @@ On desktop, the currently selected chat (`chatModel.chatId.value == chat.id`) re
 
 ### TagsView
 
-**Location:** [`ChatListView.kt#L929`](../../common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/ChatListView.kt#L929)
+**Location:** [`ChatListView.kt#L1214`](../../common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/ChatListView.kt#L1214)
 
 Renders a horizontally scrollable row of tag chips (via `TagsRow`, which is a platform-specific `expect` composable).
 
@@ -244,7 +245,7 @@ Layout logic:
 
 ### TagListView
 
-**Location:** [`TagListView.kt#L48`](../../common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/TagListView.kt#L48)
+**Location:** [`TagListView.kt#L47`](../../common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/TagListView.kt#L47)
 
 Full-screen tag management view opened from the "+" button or long-press menu.
 
@@ -312,3 +313,42 @@ Uses `AnimatedViewState` (`GONE`, `VISIBLE`, `HIDING`) with a `MutableStateFlow`
 | `ShareListView.kt` | Share target list (forwarding flow) |
 | `TagListView.kt` | Tag management and assignment view |
 | `UserPicker.kt` | User switching side panel |
+| `GetStakeBanner.kt` | Crowdfunding banner and the shared banner card chrome |
+
+---
+
+<a id="GetStakeBanner"></a>
+
+## 10. Crowdfunding Banner
+
+**Location:** [`GetStakeBanner.kt#L31`](../../common/src/commonMain/kotlin/chat/simplex/common/views/chatlist/GetStakeBanner.kt#L31)
+
+```kotlin
+fun GetStakeBanner(showDismiss: Boolean, onTap: () -> Unit, onDismiss: () -> Unit)
+```
+
+Gradient card inviting the user to invest on Wefunder. Shown only when `crowdfundingAvailable()` — always outside Play Store builds, and in Play builds only while the store country is the US or not yet known — and only while `getStakeBannerDismissed` is false.
+
+### Placement
+
+| Where | Condition | Layout |
+|-------|-----------|--------|
+| Chat list | in `ChatList`'s `LazyColumn`, after `ToggleChatListCard` and before the chats | `Box(Modifier.zIndex(1f).padding(16.dp))` |
+| Onboarding | inside `ConnectOnboardingView` (`views/newchat/OnboardingCards.kt`), below the pager, so it shares the pages' width limit on desktop and their dimming while a start modal is open; opens the page in `ModalManager.center` on desktop, `ModalManager.start` on Android | `padding(start/end = DEFAULT_PADDING, bottom = 8.dp)`, in a `Column` where the pager takes `weight(1f)` |
+
+`crowdfundingAvailable()` launches an effect to load the store country, so both call sites read it in the composable body rather than inside the `LazyColumn` builder.
+
+### Dismissal
+
+| Preference | Set by | Effect |
+|------------|--------|--------|
+| `getStakeBannerTapped` | `openGetStake()` | the dismiss X appears from then on, while there are chats |
+| `getStakeBannerDismissed` | the dismiss X | hides the banner in both placements |
+
+Both are in `AppPreferences.hintPreferences`, so "Reset all hints" restores the banner. The X is never offered below the onboarding cards, so the banner cannot be dismissed before the user has a chat.
+
+Tapping the card runs `openGetStake()`, which opens `GetStakeView(showFirstImage = true)` as a card modal — `showFirstImage` decides whether the page repeats the first slide's image, which only What's New shows above its own link.
+
+### Shared card chrome
+
+`Modifier.bannerCard(onTap)` (size state, gradient brush, `heightIn`, `clip`, `background`, `clickable`) and `BannerDismissButton` are declared separately from `GetStakeBanner` so other banners can adopt the same chrome; the paddings stay with the caller. The gradient reuses `gradientPoints`, `lightStops` and `darkStops` from `views/newchat/OnboardingCards.kt`.
diff --git a/apps/multiplatform/spec/impact.md b/apps/multiplatform/spec/impact.md
index 3a96638310..ec302e30b5 100644
--- a/apps/multiplatform/spec/impact.md
+++ b/apps/multiplatform/spec/impact.md
@@ -92,6 +92,7 @@ Path prefix: `common/src/commonMain/kotlin/chat/simplex/common/`
 | Source File | Product Concepts Affected | Risk Level | Notes |
 |-------------|--------------------------|------------|-------|
 | `views/chatlist/ChatListView.kt` | PC1, PC28 | High | Main screen — chat list rendering and search |
+| `views/chatlist/GetStakeBanner.kt` | PC1 | Low | Crowdfunding banner and shared banner card chrome |
 | `views/chatlist/ChatListNavLinkView.kt` | PC1, PC2, PC3 | Medium | Navigation from chat list item to chat |
 | `views/chatlist/ChatPreviewView.kt` | PC1, PC2, PC3, PC11 | Medium | Chat row preview rendering |
 | `views/chatlist/TagListView.kt` | PC28 | Medium | Chat tag filter UI |