Fluid is an open-source (MIT), non-custodial, seed-phrase-only universal wallet, live at https://fluidwallet.dpdns.org. One seed phrase gives the user every chain the wallet supports, with sends, receives and swaps, and no custodial intermediary anywhere. Its mission is fiat on/off-ramps that work at $0.30-$0.50 globally, where existing routes floor at $1+ or demand company KYB that shuts out the people who need them most. Fluid is built and maintained solo, has received no prior funding, and has its first real users: 10 registered usernames in its public registry.