diff --git a/src/app/api/access/route.ts b/src/app/api/access/route.ts
index 4fef23d9..535e123b 100644
--- a/src/app/api/access/route.ts
+++ b/src/app/api/access/route.ts
@@ -23,8 +23,13 @@ export async function POST(request: Request) {
     try {
       const supabase = getSupabaseAdminClient();
       await supabase.from("users").upsert(
-        { privy_id: userId, email: body.email || null, x_handle: body.xHandle || null, last_seen_at: new Date().toISOString() },
-        { onConflict: "privy_id", ignoreDuplicates: false },
+        {
+          id:           `privy:${userId}`,
+          email:        body.email    || null,
+          x_handle:     body.xHandle || null,
+          last_seen_at: new Date().toISOString(),
+        },
+        { onConflict: "id", ignoreDuplicates: false },
       );
     } catch { /* non-fatal */ }
 
diff --git a/src/app/api/user/wallet/route.ts b/src/app/api/user/wallet/route.ts
index e7b122df..4cba59df 100644
--- a/src/app/api/user/wallet/route.ts
+++ b/src/app/api/user/wallet/route.ts
@@ -9,17 +9,30 @@ async function getCodeId(): Promise<string | null> {
   return verifyAccessToken(token);
 }
 
+function isPrivyUser(codeId: string) {
+  return codeId.startsWith("privy:");
+}
+
 export async function GET() {
   const codeId = await getCodeId();
   if (!codeId) return NextResponse.json({ wallet: null });
 
   const supabase = getSupabaseAdminClient();
+
+  if (isPrivyUser(codeId)) {
+    const { data } = await supabase
+      .from("users")
+      .select("wallet")
+      .eq("id", codeId)
+      .maybeSingle();
+    return NextResponse.json({ wallet: data?.wallet ?? null });
+  }
+
   const { data } = await supabase
     .from("access_codes")
     .select("wallet")
     .eq("id", codeId)
     .maybeSingle();
-
   return NextResponse.json({ wallet: data?.wallet ?? null });
 }
 
@@ -35,10 +48,27 @@ export async function POST(request: Request) {
   }
 
   const supabase = getSupabaseAdminClient();
-  await supabase
-    .from("access_codes")
-    .update({ wallet })
-    .eq("id", codeId);
+
+  if (isPrivyUser(codeId)) {
+    await supabase.from("users").update({ wallet }).eq("id", codeId);
+  } else {
+    await supabase.from("access_codes").update({ wallet }).eq("id", codeId);
+  }
+
+  return NextResponse.json({ ok: true });
+}
+
+export async function DELETE() {
+  const codeId = await getCodeId();
+  if (!codeId) return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+
+  const supabase = getSupabaseAdminClient();
+
+  if (isPrivyUser(codeId)) {
+    await supabase.from("users").update({ wallet: null }).eq("id", codeId);
+  } else {
+    await supabase.from("access_codes").update({ wallet: null }).eq("id", codeId);
+  }
 
   return NextResponse.json({ ok: true });
 }
diff --git a/src/app/dashboard/luca/page.tsx b/src/app/dashboard/luca/page.tsx
index ecc7a113..ffe5dd82 100644
--- a/src/app/dashboard/luca/page.tsx
+++ b/src/app/dashboard/luca/page.tsx
@@ -165,7 +165,7 @@ function LucaChat() {
   }
 
   const showEmpty = messages.length === 0;
-  const isReady = Boolean(selectedSlug || wallet);
+  const isReady = true;
   const greeting = (() => {
     const h = new Date().getHours();
     return h < 12 ? "Good morning" : h < 18 ? "Good afternoon" : "Good evening";
@@ -280,8 +280,7 @@ function LucaChat() {
             What should I read for you today?
           </p>
           <p style={{ fontSize: "0.8rem", color: "var(--muted)", maxWidth: 400, lineHeight: 1.6, margin: "0 0 32px" }}>
-            Luca answers from your agent&apos;s attributed books only — every figure carries its period and confidence, and missing data is called missing.
-            {!isReady && " Link your wallet or select an agent to get started."}
+            Luca answers from attributed books only — every figure carries its period and confidence, and missing data is called missing.
           </p>
 
           {/* Capability grid — 3-col, 6px radius (no pills) */}
@@ -434,8 +433,8 @@ function LucaChat() {
           <textarea
             ref={textareaRef}
             className="op-chat-input"
-            placeholder={isReady ? "Ask Luca about your agent's finances…" : "Link your wallet or select an agent to start"}
-            disabled={!isReady || sending}
+            placeholder={selectedSlug ? `Ask Luca about ${selectedSlug}'s finances…` : "Ask Luca anything about agent finance…"}
+            disabled={sending}
             rows={1}
             value={input}
             onChange={handleInputChange}
diff --git a/supabase/migrations/20260725000003_users_table.sql b/supabase/migrations/20260725000003_users_table.sql
new file mode 100644
index 00000000..14b63e42
--- /dev/null
+++ b/supabase/migrations/20260725000003_users_table.sql
@@ -0,0 +1,18 @@
+-- Users table for Privy-authenticated accounts (Google/X sign-in).
+-- access_codes is UUID-keyed and only supports invite-code flow.
+-- This table supports all Privy-based auth, keyed by privy:<privyId>.
+CREATE TABLE IF NOT EXISTS public.users (
+  id           text PRIMARY KEY,  -- privy:<privyId>
+  email        text,
+  x_handle     text,
+  wallet       text,
+  last_seen_at timestamptz DEFAULT now(),
+  created_at   timestamptz NOT NULL DEFAULT now()
+);
+
+ALTER TABLE public.users ENABLE ROW LEVEL SECURITY;
+
+CREATE POLICY "Service role can manage users"
+  ON public.users FOR ALL
+  USING (true)
+  WITH CHECK (true);