diff --git a/README.md b/README.md
index 190f93894..b80172823 100644
--- a/README.md
+++ b/README.md
@@ -97,7 +97,7 @@ It's possible to use the global test Endorser (ledger) server (but currently the
 
 
 
-It's possible to run with a minimal set of data: the following starts with the bare minimum of test data (but currently the tests don't all succeed):
+It's possible to run with a minimal set of data; the following starts with the bare minimum of test data:
 ```
 rm ../endorser-ch-test-local.sqlite3
 NODE_ENV=test-local npm run flyway migrate
@@ -106,6 +106,15 @@ NODE_ENV=test-local npm run dev
 ```
 
 
+To run a single test with the screenshots, use the following:
+```
+npx playwright test test-playwright/40-add-contact.spec.ts --trace on
+```
+
+... with the `-c playwright.config-local.ts` to get the same results as above.
+
+
+
 ### Register new user on test server
 
 On the test server, User #0 has rights to register others, so you can start
diff --git a/src/App.vue b/src/App.vue
index e1a43ca66..0c2d5dc92 100644
--- a/src/App.vue
+++ b/src/App.vue
@@ -375,7 +375,10 @@
 <script lang="ts">
 import axios from "axios";
 import { Vue, Component } from "vue-facing-decorator";
+import { Router } from "vue-router";
 
+import { DEFAULT_PUSH_SERVER, NotificationIface } from "@/constants/app";
+import { retrieveSettingsForActiveAccount } from "@/db/index";
 import * as libsUtil from "@/libs/util";
 
 interface ServiceWorkerMessage {
@@ -405,11 +408,6 @@ interface PushSubscriptionWithTime extends PushSubscriptionJSON {
   notifyTime: { utcHour: number };
 }
 
-import { DEFAULT_PUSH_SERVER, NotificationIface } from "@/constants/app";
-import { db } from "@/db/index";
-import { MASTER_SETTINGS_KEY } from "@/db/tables/settings";
-import { sendTestThroughPushServer } from "@/libs/util";
-
 @Component
 export default class App extends Vue {
   $notify!: (notification: NotificationIface, timeout?: number) => void;
@@ -422,8 +420,7 @@ export default class App extends Vue {
 
   async mounted() {
     try {
-      await db.open();
-      const settings = await db.settings.get(MASTER_SETTINGS_KEY);
+      const settings = await retrieveSettingsForActiveAccount();
       let pushUrl = DEFAULT_PUSH_SERVER;
       if (settings?.webPushServer) {
         pushUrl = settings.webPushServer;
@@ -640,7 +637,7 @@ export default class App extends Vue {
             console.log(
               "Subscription data sent to server and all finished successfully.",
             );
-            await sendTestThroughPushServer(subscription, true);
+            await libsUtil.sendTestThroughPushServer(subscription, true);
             this.$notify(
               {
                 group: "alert",
diff --git a/src/components/FeedFilters.vue b/src/components/FeedFilters.vue
index e9581fc1a..84e485680 100644
--- a/src/components/FeedFilters.vue
+++ b/src/components/FeedFilters.vue
@@ -100,7 +100,7 @@ import {
 } from "@vue-leaflet/vue-leaflet";
 
 import { MASTER_SETTINGS_KEY } from "@/db/tables/settings";
-import { db } from "@/db/index";
+import { db, retrieveSettingsForActiveAccount } from "@/db/index";
 
 @Component({
   components: {
@@ -121,11 +121,10 @@ export default class FeedFilters extends Vue {
   async open(onCloseIfChanged: () => void) {
     this.onCloseIfChanged = onCloseIfChanged;
 
-    await db.open();
-    const settings = await db.settings.get(MASTER_SETTINGS_KEY);
-    this.hasVisibleDid = !!settings?.filterFeedByVisible;
-    this.isNearby = !!settings?.filterFeedByNearby;
-    if (settings?.searchBoxes && settings.searchBoxes.length > 0) {
+    const settings = await retrieveSettingsForActiveAccount();
+    this.hasVisibleDid = !!settings.filterFeedByVisible;
+    this.isNearby = !!settings.filterFeedByNearby;
+    if (settings.searchBoxes && settings.searchBoxes.length > 0) {
       this.hasSearchBox = true;
     }
 
diff --git a/src/components/GiftedDialog.vue b/src/components/GiftedDialog.vue
index 00256aa43..a74939ee7 100644
--- a/src/components/GiftedDialog.vue
+++ b/src/components/GiftedDialog.vue
@@ -91,8 +91,7 @@ import { Vue, Component, Prop } from "vue-facing-decorator";
 import { NotificationIface } from "@/constants/app";
 import { createAndSubmitGive, didInfo } from "@/libs/endorserServer";
 import * as libsUtil from "@/libs/util";
-import { accountsDB, db } from "@/db/index";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
+import { accountsDB, db, retrieveSettingsForActiveAccount } from "@/db/index";
 import { Contact } from "@/db/tables/contacts";
 
 @Component
@@ -138,10 +137,9 @@ export default class GiftedDialog extends Vue {
     this.offerId = offerId || "";
 
     try {
-      await db.open();
-      const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-      this.apiServer = settings?.apiServer || "";
-      this.activeDid = settings?.activeDid || "";
+      const settings = await retrieveSettingsForActiveAccount();
+      this.apiServer = settings.apiServer || "";
+      this.activeDid = settings.activeDid || "";
 
       this.allContacts = await db.contacts.toArray();
 
diff --git a/src/components/OfferDialog.vue b/src/components/OfferDialog.vue
index 0d7fab770..16e97e01a 100644
--- a/src/components/OfferDialog.vue
+++ b/src/components/OfferDialog.vue
@@ -85,8 +85,7 @@ import { Vue, Component, Prop } from "vue-facing-decorator";
 import { NotificationIface } from "@/constants/app";
 import { createAndSubmitOffer } from "@/libs/endorserServer";
 import * as libsUtil from "@/libs/util";
-import { db } from "@/db/index";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
+import { retrieveSettingsForActiveAccount } from "@/db/index";
 
 @Component
 export default class OfferDialog extends Vue {
@@ -113,10 +112,9 @@ export default class OfferDialog extends Vue {
       this.recipientDid = recipientDid;
       this.recipientName = recipientName;
 
-      await db.open();
-      const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-      this.apiServer = settings?.apiServer || "";
-      this.activeDid = settings?.activeDid || "";
+      const settings = await retrieveSettingsForActiveAccount();
+      this.apiServer = settings.apiServer || "";
+      this.activeDid = settings.activeDid || "";
 
       // eslint-disable-next-line @typescript-eslint/no-explicit-any
     } catch (err: any) {
diff --git a/src/components/PhotoDialog.vue b/src/components/PhotoDialog.vue
index 015d3da81..ddf07ad8b 100644
--- a/src/components/PhotoDialog.vue
+++ b/src/components/PhotoDialog.vue
@@ -126,8 +126,7 @@ import { Component, Vue } from "vue-facing-decorator";
 import VuePictureCropper, { cropper } from "vue-picture-cropper";
 
 import { DEFAULT_IMAGE_API_SERVER, NotificationIface } from "@/constants/app";
-import { db } from "@/db/index";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
+import { retrieveSettingsForActiveAccount } from "@/db/index";
 import { accessToken } from "@/libs/crypto";
 
 @Component({ components: { Camera, VuePictureCropper } })
@@ -151,9 +150,8 @@ export default class PhotoDialog extends Vue {
 
   async mounted() {
     try {
-      await db.open();
-      const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-      this.activeDid = settings?.activeDid || "";
+      const settings = await retrieveSettingsForActiveAccount();
+      this.activeDid = settings.activeDid || "";
       // eslint-disable-next-line @typescript-eslint/no-explicit-any
     } catch (err: any) {
       console.error("Error retrieving settings from database:", err);
diff --git a/src/components/TopMessage.vue b/src/components/TopMessage.vue
index 5308af329..1f51ef18f 100644
--- a/src/components/TopMessage.vue
+++ b/src/components/TopMessage.vue
@@ -16,8 +16,7 @@
 import { Component, Vue, Prop } from "vue-facing-decorator";
 
 import { AppString, NotificationIface } from "@/constants/app";
-import { db } from "@/db/index";
-import { MASTER_SETTINGS_KEY } from "@/db/tables/settings";
+import { retrieveSettingsForActiveAccount } from "@/db/index";
 
 @Component
 export default class TopMessage extends Vue {
@@ -29,17 +28,15 @@ export default class TopMessage extends Vue {
 
   async mounted() {
     try {
-      await db.open();
-
-      const settings = await db.settings.get(MASTER_SETTINGS_KEY);
+      const settings = await retrieveSettingsForActiveAccount();
       if (
-        settings?.warnIfTestServer &&
+        settings.warnIfTestServer &&
         settings.apiServer !== AppString.PROD_ENDORSER_API_SERVER
       ) {
         const didPrefix = settings.activeDid?.slice(11, 15);
         this.message = "You're linked to a non-prod server, user " + didPrefix;
       } else if (
-        settings?.warnIfProdServer &&
+        settings.warnIfProdServer &&
         settings.apiServer === AppString.PROD_ENDORSER_API_SERVER
       ) {
         const didPrefix = settings.activeDid?.slice(11, 15);
diff --git a/src/components/UserNameDialog.vue b/src/components/UserNameDialog.vue
index dfb2f74ac..bd412ae2d 100644
--- a/src/components/UserNameDialog.vue
+++ b/src/components/UserNameDialog.vue
@@ -39,8 +39,8 @@
 import { Vue, Component } from "vue-facing-decorator";
 
 import { NotificationIface } from "@/constants/app";
-import { db } from "@/db/index";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
+import { db, retrieveSettingsForActiveAccount } from "@/db/index";
+import { MASTER_SETTINGS_KEY } from "@/db/tables/settings";
 
 @Component
 export default class UserNameDialog extends Vue {
@@ -52,9 +52,8 @@ export default class UserNameDialog extends Vue {
 
   async open(aCallback?: (name?: string) => void) {
     this.callback = aCallback || this.callback;
-    await db.open();
-    const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-    this.givenName = settings?.firstName || "";
+    const settings = await retrieveSettingsForActiveAccount();
+    this.givenName = settings.firstName || "";
     this.visible = true;
   }
 
diff --git a/src/components/World/components/objects/landmarks.js b/src/components/World/components/objects/landmarks.js
index eb0f8f9b3..ef056b27e 100644
--- a/src/components/World/components/objects/landmarks.js
+++ b/src/components/World/components/objects/landmarks.js
@@ -3,8 +3,7 @@ import * as THREE from "three";
 import { GLTFLoader } from "three/addons/loaders/GLTFLoader";
 import * as SkeletonUtils from "three/addons/utils/SkeletonUtils";
 import * as TWEEN from "@tweenjs/tween.js";
-import { db } from "@/db";
-import { MASTER_SETTINGS_KEY } from "@/db/tables/settings";
+import { retrieveSettingsForActiveAccount } from "@/db";
 import { getHeaders } from "@/libs/endorserServer";
 
 const ANIMATION_DURATION_SECS = 10;
@@ -14,10 +13,9 @@ export async function loadLandmarks(vue, world, scene, loop) {
   vue.setWorldProperty("animationDurationSeconds", ANIMATION_DURATION_SECS);
 
   try {
-    await db.open();
-    const settings = await db.settings.get(MASTER_SETTINGS_KEY);
-    const activeDid = settings?.activeDid || "";
-    const apiServer = settings?.apiServer;
+    const settings = await retrieveSettingsForActiveAccount();
+    const activeDid = settings.activeDid || "";
+    const apiServer = settings.apiServer;
     const headers = await getHeaders(activeDid);
 
     const url = apiServer + "/api/v2/report/claims?claimType=GiveAction";
diff --git a/src/db/index.ts b/src/db/index.ts
index 7d60ebf14..442979fb0 100644
--- a/src/db/index.ts
+++ b/src/db/index.ts
@@ -1,5 +1,7 @@
 import BaseDexie, { Table } from "dexie";
 import { encrypted, Encryption } from "@pvermeer/dexie-encrypted-addon";
+import * as R from "ramda";
+
 import { Account, AccountsSchema } from "./tables/accounts";
 import { Contact, ContactSchema } from "./tables/contacts";
 import { Log, LogSchema } from "./tables/logs";
@@ -45,15 +47,87 @@ accountsDB.version(1).stores(AccountsSchema);
 db.version(2).stores({
   ...ContactSchema,
   ...LogSchema,
-  ...SettingsSchema,
+  ...{ settings: "id" }, // old Settings schema
 });
 // v3 added Temp
 db.version(3).stores(TempSchema);
+db.version(4)
+  .stores(SettingsSchema)
+  .upgrade((tx) => {
+    return tx
+      .table("settings")
+      .toCollection()
+      .modify((settings) => {
+        settings.accountDid = ""; // make it non-null for the default master settings, but still indexable
+      });
+  });
+
+const DEFAULT_SETTINGS = {
+  id: MASTER_SETTINGS_KEY,
+  activeDid: undefined,
+  apiServer: DEFAULT_ENDORSER_API_SERVER,
+};
 
 // Event handler to initialize the non-sensitive database with default settings
 db.on("populate", async () => {
-  await db.settings.add({
-    id: MASTER_SETTINGS_KEY,
-    apiServer: DEFAULT_ENDORSER_API_SERVER,
-  });
+  await db.settings.add(DEFAULT_SETTINGS);
 });
+
+// retrieves default settings
+// calls db.open()
+export async function retrieveSettingsForDefaultAccount(): Promise<Settings> {
+  await db.open();
+  return (await db.settings.get(MASTER_SETTINGS_KEY)) || DEFAULT_SETTINGS;
+}
+
+export async function retrieveSettingsForActiveAccount(): Promise<Settings> {
+  const defaultSettings = await retrieveSettingsForDefaultAccount();
+  if (!defaultSettings.activeDid) {
+    return defaultSettings;
+  } else {
+    const overrideSettings =
+      (await db.settings
+        .where("accountDid")
+        .equals(defaultSettings.activeDid)
+        .first()) || {};
+    return R.mergeDeepRight(defaultSettings, overrideSettings);
+  }
+}
+
+// Update settings for the given account, or in MASTER_SETTINGS_KEY if no accountDid is provided.
+// Don't expose this because we should be explicit on whether we're updating the default settings or account settings.
+async function updateSettings(settingsChanges: Settings): Promise<void> {
+  await db.open();
+  if (!settingsChanges.accountDid) {
+    // ensure there is no "id" that would override the key
+    delete settingsChanges.id;
+    await db.settings.update(MASTER_SETTINGS_KEY, settingsChanges);
+  } else {
+    const result = await db.settings
+      .where("accountDid")
+      .equals(settingsChanges.accountDid)
+      .modify(settingsChanges);
+    if (result === 0) {
+      if (!settingsChanges.id) {
+        // It is unfortunate that we have to set this explicitly.
+        // We didn't make id a "++id" at the beginning and Dexie won't let us change it,
+        // plus we made our first settings objects MASTER_SETTINGS_KEY = 1 instead of 0
+        settingsChanges.id = (await db.settings.count()) + 1;
+      }
+      await db.settings.add(settingsChanges);
+    }
+  }
+}
+
+export async function updateDefaultSettings(settings: Settings): Promise<void> {
+  delete settings.accountDid; // just in case
+  await updateSettings(settings);
+}
+
+export async function updateAccountSettings(
+  accountDid: string,
+  settings: Settings,
+): Promise<void> {
+  settings.accountDid = accountDid;
+  await updateSettings(settings);
+}
diff --git a/src/db/tables/settings.ts b/src/db/tables/settings.ts
index 35c428f93..94bb3bb90 100644
--- a/src/db/tables/settings.ts
+++ b/src/db/tables/settings.ts
@@ -12,22 +12,28 @@ export type BoundingBox = {
  * Settings type encompasses user-specific configuration details.
  */
 export type Settings = {
-  id: number; // Only one entry, keyed with MASTER_SETTINGS_KEY
+  // default entry is keyed with MASTER_SETTINGS_KEY; other entries are linked to an account with account ID
+  id?: number; // this is only blank on input, when the database assigns it
+
+  // if supplied, this settings record overrides the master record when the user switches to this account
+  accountDid?: string; // not used in the MASTER_SETTINGS_KEY entry
+  // active Decentralized ID
+  activeDid?: string; // only used in the MASTER_SETTINGS_KEY entry
 
-  activeDid?: string; // Active Decentralized ID
   apiServer?: string; // API server URL
 
   filterFeedByNearby?: boolean; // filter by nearby
   filterFeedByVisible?: boolean; // filter by visible users ie. anyone not hidden
 
-  firstName?: string; // user's full name
+  firstName?: string; // user's full name, may be null if unwanted for a particular account
   hideRegisterPromptOnNewContact?: boolean;
   isRegistered?: boolean;
+  imageServer?: string;
   lastName?: string; // deprecated - put all names in firstName
   lastNotifiedClaimId?: string;
   lastViewedClaimId?: string;
   passkeyExpirationMinutes?: number; // passkey access token time-to-live in minutes
-  profileImageUrl?: string;
+  profileImageUrl?: string; // may be null if unwanted for a particular account
   reminderTime?: number; // Time in milliseconds since UNIX epoch for reminders
   reminderOn?: boolean; // Toggle to enable or disable reminders
 
@@ -54,7 +60,7 @@ export function isAnyFeedFilterOn(settings: Settings): boolean {
  * Schema for the Settings table in the database.
  */
 export const SettingsSchema = {
-  settings: "id",
+  settings: "id, &accountDid",
 };
 
 /**
diff --git a/src/libs/endorserServer.ts b/src/libs/endorserServer.ts
index f230bdc99..59f48e6bb 100644
--- a/src/libs/endorserServer.ts
+++ b/src/libs/endorserServer.ts
@@ -84,7 +84,9 @@ export interface GiveSummaryRecord {
   amountConfirmed: number;
   description: string;
   fullClaim: GiveVerifiableCredential;
-  fulfillsPlanHandleId: string;
+  fulfillsHandleId: string;
+  fulfillsPlanHandleId?: string;
+  fulfillsType?: string;
   handleId: string;
   issuedAt: string;
   issuerDid: string;
@@ -519,7 +521,7 @@ const planCache: LRUCache<string, PlanSummaryRecord> = new LRUCache({
  * @param apiServer
  */
 export async function getPlanFromCache(
-  handleId: string | null,
+  handleId: string,
   axios: Axios,
   apiServer: string,
   requesterDid?: string,
diff --git a/src/libs/util.ts b/src/libs/util.ts
index ada548e78..c02027b2c 100644
--- a/src/libs/util.ts
+++ b/src/libs/util.ts
@@ -6,21 +6,23 @@ import * as R from "ramda";
 import { useClipboard } from "@vueuse/core";
 
 import { DEFAULT_PUSH_SERVER } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
+import {
+  accountsDB,
+  retrieveSettingsForActiveAccount,
+  updateAccountSettings,
+  updateDefaultSettings,
+} from "@/db/index";
 import { Account } from "@/db/tables/accounts";
 import { Contact } from "@/db/tables/contacts";
-import {
-  DEFAULT_PASSKEY_EXPIRATION_MINUTES,
-  MASTER_SETTINGS_KEY,
-} from "@/db/tables/settings";
+import { DEFAULT_PASSKEY_EXPIRATION_MINUTES } from "@/db/tables/settings";
 import { deriveAddress, generateSeed, newIdentifier } from "@/libs/crypto";
+import * as serverUtil from "@/libs/endorserServer";
 import {
   containsHiddenDid,
   GenericCredWrapper,
   GenericVerifiableCredential,
   OfferVerifiableCredential,
 } from "@/libs/endorserServer";
-import * as serverUtil from "@/libs/endorserServer";
 import { KeyMeta } from "@/libs/crypto/vc";
 import { createPeerDid } from "@/libs/crypto/vc/didPeer";
 import { registerCredential } from "@/libs/crypto/vc/passkeyDidPeer";
@@ -311,9 +313,9 @@ export const generateSaveAndActivateIdentity = async (): Promise<string> => {
     publicKeyHex: newId.keys[0].publicKeyHex,
   });
 
-  await db.settings.update(MASTER_SETTINGS_KEY, {
-    activeDid: newId.did,
-  });
+  await updateDefaultSettings({ activeDid: newId.did });
+  console.log("Updated default settings in util");
+  await updateAccountSettings(newId.did, { isRegistered: false });
 
   return newId.did;
 };
@@ -341,30 +343,24 @@ export const registerSaveAndActivatePasskey = async (
   keyName: string,
 ): Promise<Account> => {
   const account = await registerAndSavePasskey(keyName);
-
-  await db.open();
-  await db.settings.update(MASTER_SETTINGS_KEY, {
-    activeDid: account.did,
-  });
-
+  await updateDefaultSettings({ activeDid: account.did });
+  await updateAccountSettings(account.did, { isRegistered: false });
   return account;
 };
 
 export const getPasskeyExpirationSeconds = async (): Promise<number> => {
-  await db.open();
-  const settings = await db.settings.get(MASTER_SETTINGS_KEY);
-  const passkeyExpirationSeconds =
+  const settings = await retrieveSettingsForActiveAccount();
+  return (
     (settings?.passkeyExpirationMinutes ?? DEFAULT_PASSKEY_EXPIRATION_MINUTES) *
-    60;
-  return passkeyExpirationSeconds;
+    60
+  );
 };
 
 export const sendTestThroughPushServer = async (
   subscriptionJSON: PushSubscriptionJSON,
   skipFilter: boolean,
 ): Promise<AxiosResponse> => {
-  await db.open();
-  const settings = await db.settings.get(MASTER_SETTINGS_KEY);
+  const settings = await retrieveSettingsForActiveAccount();
   let pushUrl: string = DEFAULT_PUSH_SERVER as string;
   if (settings?.webPushServer) {
     pushUrl = settings.webPushServer;
diff --git a/src/test/index.ts b/src/test/index.ts
index 5b9d37699..1aa00e69a 100644
--- a/src/test/index.ts
+++ b/src/test/index.ts
@@ -1,10 +1,9 @@
 import axios from "axios";
 import * as didJwt from "did-jwt";
 import { AppString } from "@/constants/app";
-import { db } from "../db";
-import { SERVICE_ID } from "../libs/endorserServer";
-import { deriveAddress, newIdentifier } from "../libs/crypto";
-import { MASTER_SETTINGS_KEY } from "@/db/tables/settings";
+import { retrieveSettingsForActiveAccount } from "../db";
+import { SERVICE_ID } from "@/libs/endorserServer";
+import { deriveAddress, newIdentifier } from "@/libs/crypto";
 
 /**
  * Get User #0 to sign & submit a RegisterAction for the user's activeDid.
@@ -17,8 +16,7 @@ export async function testServerRegisterUser() {
 
   const identity0 = newIdentifier(addr, publicHex, privateHex, deriPath);
 
-  await db.open();
-  const settings = await db.settings.get(MASTER_SETTINGS_KEY);
+  const settings = await retrieveSettingsForActiveAccount();
 
   // Make a claim
   const vcClaim = {
@@ -26,7 +24,7 @@ export async function testServerRegisterUser() {
     "@type": "RegisterAction",
     agent: { did: identity0.did },
     object: SERVICE_ID,
-    participant: { did: settings?.activeDid },
+    participant: { did: settings.activeDid },
   };
   // Make a payload for the claim
   const vcPayload = {
@@ -53,7 +51,7 @@ export async function testServerRegisterUser() {
 
   const payload = JSON.stringify({ jwtEncoded: vcJwt });
   const endorserApiServer =
-    settings?.apiServer || AppString.TEST_ENDORSER_API_SERVER;
+    settings.apiServer || AppString.TEST_ENDORSER_API_SERVER;
   const url = endorserApiServer + "/api/claim";
   const headers = {
     "Content-Type": "application/json",
diff --git a/src/views/AccountViewView.vue b/src/views/AccountViewView.vue
index 8020dafaf..6f9325880 100644
--- a/src/views/AccountViewView.vue
+++ b/src/views/AccountViewView.vue
@@ -9,24 +9,11 @@
       Your Identity
     </h1>
 
-    <div class="flex justify-between mb-2 mt-4">
-      <span />
-      <span class="whitespace-nowrap">
-        <router-link
-          :to="{ name: 'contact-qr' }"
-          class="text-xs bg-slate-500 text-white px-1.5 py-1 rounded-md"
-        >
-          <fa icon="qrcode" class="fa-fw"></fa>
-        </router-link>
-      </span>
-      <span />
-    </div>
-
     <!-- ID notice -->
     <div
       v-if="!activeDid"
       id="noticeBeforeShare"
-      class="bg-amber-200 text-amber-900 border-amber-500 border-dashed border text-center rounded-md overflow-hidden px-4 py-3 mb-4"
+      class="bg-amber-200 text-amber-900 border-amber-500 border-dashed border text-center rounded-md overflow-hidden px-4 py-3 mt-4"
     >
       <p class="mb-4">
         <b>Note:</b> Before you can share with others or take any action, you
@@ -43,10 +30,18 @@
     <!-- Identity Details -->
     <div
       id="sectionIdentityDetails"
-      class="bg-slate-100 rounded-md overflow-hidden px-4 py-3 mb-4"
+      class="bg-slate-100 rounded-md overflow-hidden px-4 py-3 mt-4"
     >
       <div v-if="givenName">
         <h2 class="text-xl font-semibold mb-2">
+          <span class="whitespace-nowrap">
+            <router-link
+              :to="{ name: 'contact-qr' }"
+              class="bg-slate-500 text-white px-1.5 py-1 rounded-md"
+            >
+              <fa icon="qrcode" class="fa-fw text-xl"></fa>
+            </router-link>
+          </span>
           {{ givenName }}
           <router-link :to="{ name: 'new-edit-account' }">
             <fa icon="pen" class="text-xs text-blue-500 ml-2 mb-1"></fa>
@@ -160,7 +155,7 @@
     <div
       v-if="!loadingLimits && !endorserLimits?.nextWeekBeginDateTime"
       id="noticeBeforeAnnounce"
-      class="bg-amber-200 text-amber-900 border-amber-500 border-dashed border text-center rounded-md overflow-hidden px-4 py-3 mb-4"
+      class="bg-amber-200 text-amber-900 border-amber-500 border-dashed border text-center rounded-md overflow-hidden px-4 py-3 mt-4"
     >
       <p class="mb-4">
         <b>Note:</b> Before you can publicly announce a new project or time
@@ -312,7 +307,7 @@
       >
         If no download happened yet, click again here to download now.
       </a>
-      <div>
+      <div class="mt-4">
         <p>
           After the download, you can save the file in your preferred storage
           location.
@@ -731,13 +726,17 @@ import {
   IMAGE_TYPE_PROFILE,
   NotificationIface,
 } from "@/constants/app";
-import { db, accountsDB } from "@/db/index";
+import {
+  db,
+  accountsDB,
+  retrieveSettingsForActiveAccount,
+  updateAccountSettings,
+} from "@/db/index";
 import { Account } from "@/db/tables/accounts";
 import { Contact } from "@/db/tables/contacts";
 import {
   DEFAULT_PASSKEY_EXPIRATION_MINUTES,
   MASTER_SETTINGS_KEY,
-  Settings,
 } from "@/db/tables/settings";
 import {
   clearPasskeyToken,
@@ -865,31 +864,29 @@ export default class AccountViewView extends Vue {
    */
   async initializeState() {
     await db.open();
-    const settings: Settings | undefined =
-      await db.settings.get(MASTER_SETTINGS_KEY);
+    const settings = await retrieveSettingsForActiveAccount();
 
-    this.activeDid = (settings?.activeDid as string) || "";
-    this.apiServer = (settings?.apiServer as string) || "";
-    this.apiServerInput = (settings?.apiServer as string) || "";
+    this.activeDid = settings.activeDid || "";
+    this.apiServer = settings.apiServer || "";
+    this.apiServerInput = settings.apiServer || "";
     this.givenName =
       (settings?.firstName || "") +
       (settings?.lastName ? ` ${settings.lastName}` : ""); // pre v 0.1.3
     this.isRegistered = !!settings?.isRegistered;
-    this.imageServer = (settings?.imageServer as string) || "";
-    this.profileImageUrl = settings?.profileImageUrl as string;
-    this.showContactGives = !!settings?.showContactGivesInline;
+    this.imageServer = settings.imageServer || "";
+    this.profileImageUrl = settings.profileImageUrl;
+    this.showContactGives = !!settings.showContactGivesInline;
     this.hideRegisterPromptOnNewContact =
-      !!settings?.hideRegisterPromptOnNewContact;
+      !!settings.hideRegisterPromptOnNewContact;
     this.passkeyExpirationMinutes =
-      (settings?.passkeyExpirationMinutes as number) ??
-      DEFAULT_PASSKEY_EXPIRATION_MINUTES;
+      settings.passkeyExpirationMinutes ?? DEFAULT_PASSKEY_EXPIRATION_MINUTES;
     this.previousPasskeyExpirationMinutes = this.passkeyExpirationMinutes;
-    this.showGeneralAdvanced = !!settings?.showGeneralAdvanced;
-    this.showShortcutBvc = !!settings?.showShortcutBvc;
-    this.warnIfProdServer = !!settings?.warnIfProdServer;
-    this.warnIfTestServer = !!settings?.warnIfTestServer;
-    this.webPushServer = (settings?.webPushServer as string) || "";
-    this.webPushServerInput = (settings?.webPushServer as string) || "";
+    this.showGeneralAdvanced = !!settings.showGeneralAdvanced;
+    this.showShortcutBvc = !!settings.showShortcutBvc;
+    this.warnIfProdServer = !!settings.warnIfProdServer;
+    this.warnIfTestServer = !!settings.warnIfTestServer;
+    this.webPushServer = settings.webPushServer || "";
+    this.webPushServerInput = settings.webPushServer || "";
   }
 
   // call fn, copy text to the clipboard, then redo fn after 2 seconds
@@ -1264,10 +1261,7 @@ export default class AccountViewView extends Vue {
         if (!this.isRegistered) {
           // the user was not known to be registered, but now they are (because we got no error) so let's record it
           try {
-            await db.open();
-            await db.settings.update(MASTER_SETTINGS_KEY, {
-              isRegistered: true,
-            });
+            await updateAccountSettings(did, { isRegistered: true });
             this.isRegistered = true;
           } catch (err) {
             console.error("Got an error updating settings:", err);
@@ -1478,8 +1472,7 @@ export default class AccountViewView extends Vue {
       if ((error as any).response.status === 404) {
         console.error("The image was already deleted:", error);
 
-        await db.open();
-        await db.settings.update(MASTER_SETTINGS_KEY, {
+        await updateAccountSettings(this.activeDid, {
           profileImageUrl: undefined,
         });
 
diff --git a/src/views/ClaimAddRawView.vue b/src/views/ClaimAddRawView.vue
index 4e615dee6..60093f57a 100644
--- a/src/views/ClaimAddRawView.vue
+++ b/src/views/ClaimAddRawView.vue
@@ -33,8 +33,7 @@ import { Component, Vue } from "vue-facing-decorator";
 import { Router } from "vue-router";
 
 import { NotificationIface } from "@/constants/app";
-import { db } from "@/db/index";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
+import { retrieveSettingsForActiveAccount } from "@/db/index";
 import * as serverUtil from "@/libs/endorserServer";
 import QuickNav from "@/components/QuickNav.vue";
 
@@ -50,10 +49,9 @@ export default class ClaimAddRawView extends Vue {
   claimStr = "";
 
   async mounted() {
-    await db.open();
-    const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-    this.activeDid = settings?.activeDid || "";
-    this.apiServer = settings?.apiServer || "";
+    const settings = await retrieveSettingsForActiveAccount();
+    this.activeDid = settings.activeDid || "";
+    this.apiServer = settings.apiServer || "";
 
     this.claimStr = (this.$route as Router).query["claim"];
     try {
diff --git a/src/views/ClaimView.vue b/src/views/ClaimView.vue
index 9d317fb5f..d87248f15 100644
--- a/src/views/ClaimView.vue
+++ b/src/views/ClaimView.vue
@@ -454,9 +454,8 @@ import { useClipboard } from "@vueuse/core";
 
 import GiftedDialog from "@/components/GiftedDialog.vue";
 import { NotificationIface } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
+import { accountsDB, db, retrieveSettingsForActiveAccount } from "@/db/index";
 import { Contact } from "@/db/tables/contacts";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
 import * as serverUtil from "@/libs/endorserServer";
 import * as libsUtil from "@/libs/util";
 import QuickNav from "@/components/QuickNav.vue";
@@ -519,12 +518,11 @@ export default class ClaimView extends Vue {
   }
 
   async created() {
-    await db.open();
-    const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-    this.activeDid = settings?.activeDid || "";
-    this.apiServer = settings?.apiServer || "";
+    const settings = await retrieveSettingsForActiveAccount();
+    this.activeDid = settings.activeDid || "";
+    this.apiServer = settings.apiServer || "";
     this.allContacts = await db.contacts.toArray();
-    this.isRegistered = settings?.isRegistered || false;
+    this.isRegistered = settings.isRegistered || false;
 
     await accountsDB.open();
     const accounts = accountsDB.accounts;
diff --git a/src/views/ConfirmGiftView.vue b/src/views/ConfirmGiftView.vue
index 319f5cbc7..cb641f1d3 100644
--- a/src/views/ConfirmGiftView.vue
+++ b/src/views/ConfirmGiftView.vue
@@ -65,7 +65,7 @@
 
       <!-- Details -->
       <div class="bg-slate-100 rounded-md overflow-hidden px-4 py-3 mt-4">
-        <div class="block flex gap-4 overflow-hidden">
+        <div class="flex gap-4 overflow-hidden">
           <div class="overflow-hidden">
             <div class="text-sm">
               <div>
@@ -100,7 +100,7 @@
                 <router-link
                   :to="
                     '/project/' +
-                    encodeURIComponent(giveDetails?.fulfillsPlanHandleId)
+                    encodeURIComponent(giveDetails?.fulfillsPlanHandleId || '')
                   "
                   class="text-blue-500 mt-2 cursor-pointer"
                   target="_blank"
@@ -121,7 +121,7 @@
                 <router-link
                   :to="
                     '/claim/' +
-                    encodeURIComponent(giveDetails?.fulfillsHandleId)
+                    encodeURIComponent(giveDetails?.fulfillsHandleId || '')
                   "
                   class="text-blue-500 mt-2 cursor-pointer"
                   target="_blank"
@@ -129,7 +129,7 @@
                   This fulfills
                   {{
                     capitalizeAndInsertSpacesBeforeCapsWithAPrefix(
-                      giveDetails.fulfillsType,
+                      giveDetails?.fulfillsType || "",
                     )
                   }}
                   <fa icon="arrow-up-right-from-square" class="fa-fw" />
@@ -405,10 +405,9 @@ import { Router } from "vue-router";
 
 import QuickNav from "@/components/QuickNav.vue";
 import { NotificationIface } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
+import { accountsDB, db, retrieveSettingsForActiveAccount } from "@/db/index";
 import { Account } from "@/db/tables/accounts";
 import { Contact } from "@/db/tables/contacts";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
 import * as serverUtil from "@/libs/endorserServer";
 import { displayAmount, GiveSummaryRecord } from "@/libs/endorserServer";
 import * as libsUtil from "@/libs/util";
@@ -464,12 +463,11 @@ export default class ClaimView extends Vue {
 
   async mounted() {
     this.isLoading = true;
-    await db.open();
-    const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-    this.activeDid = settings?.activeDid || "";
-    this.apiServer = settings?.apiServer || "";
+    const settings = await retrieveSettingsForActiveAccount();
+    this.activeDid = settings.activeDid || "";
+    this.apiServer = settings.apiServer || "";
     this.allContacts = await db.contacts.toArray();
-    this.isRegistered = settings?.isRegistered || false;
+    this.isRegistered = settings.isRegistered || false;
 
     await accountsDB.open();
     const accounts = accountsDB.accounts;
diff --git a/src/views/ContactAmountsView.vue b/src/views/ContactAmountsView.vue
index 0b3a0a960..1e2178d30 100644
--- a/src/views/ContactAmountsView.vue
+++ b/src/views/ContactAmountsView.vue
@@ -112,9 +112,8 @@ import { Router } from "vue-router";
 
 import QuickNav from "@/components/QuickNav.vue";
 import { NotificationIface } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
+import { accountsDB, db, retrieveSettingsForActiveAccount } from "@/db/index";
 import { Contact } from "@/db/tables/contacts";
-import { MASTER_SETTINGS_KEY } from "@/db/tables/settings";
 import {
   AgreeVerifiableCredential,
   createEndorserJwtVcFromClaim,
@@ -144,13 +143,12 @@ export default class ContactAmountssView extends Vue {
 
   async created() {
     try {
-      await db.open();
       const contactDid = (this.$route as Router).query["contactDid"] as string;
       this.contact = (await db.contacts.get(contactDid)) || null;
 
-      const settings = await db.settings.get(MASTER_SETTINGS_KEY);
-      this.activeDid = (settings?.activeDid as string) || "";
-      this.apiServer = (settings?.apiServer as string) || "";
+      const settings = await retrieveSettingsForActiveAccount();
+      this.activeDid = settings?.activeDid || "";
+      this.apiServer = settings?.apiServer || "";
 
       if (this.activeDid && this.contact) {
         this.loadGives(this.activeDid, this.contact);
diff --git a/src/views/ContactGiftingView.vue b/src/views/ContactGiftingView.vue
index 3441a72c0..2a6424977 100644
--- a/src/views/ContactGiftingView.vue
+++ b/src/views/ContactGiftingView.vue
@@ -77,9 +77,8 @@ import GiftedDialog from "@/components/GiftedDialog.vue";
 import QuickNav from "@/components/QuickNav.vue";
 import EntityIcon from "@/components/EntityIcon.vue";
 import { NotificationIface } from "@/constants/app";
-import { db } from "@/db/index";
+import { db, retrieveSettingsForActiveAccount } from "@/db/index";
 import { Contact } from "@/db/tables/contacts";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
 import { GiverReceiverInputInfo } from "@/libs/util";
 
 @Component({
@@ -97,10 +96,9 @@ export default class ContactGiftingView extends Vue {
 
   async created() {
     try {
-      await db.open();
-      const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-      this.apiServer = settings?.apiServer || "";
-      this.activeDid = settings?.activeDid || "";
+      const settings = await retrieveSettingsForActiveAccount();
+      this.apiServer = settings.apiServer || "";
+      this.activeDid = settings.activeDid || "";
 
       // .orderBy("name") wouldn't retrieve any entries with a blank name
       // .toCollection.sortBy("name") didn't sort in an order I understood
diff --git a/src/views/ContactImportView.vue b/src/views/ContactImportView.vue
index bffc06dc2..f494fb8fe 100644
--- a/src/views/ContactImportView.vue
+++ b/src/views/ContactImportView.vue
@@ -16,9 +16,9 @@
       Contact Import
     </h1>
 
-    <span>
-      Note that you will have to make them visible one-by-one in the list of
-      Contacts.
+    <span class="flex justify-center">
+      <input type="checkbox" v-model="makeVisible" class="mr-2" />
+      Make my activity visible to these contacts.
     </span>
     <div v-if="sameCount > 0">
       <span v-if="sameCount == 1"
@@ -115,6 +115,7 @@ export default class ContactImportView extends Vue {
     Record<string, { new: string; old: string }>
   > = {}; // for existing contacts, it shows the difference between imported and existing contacts for each key
   importing = false;
+  makeVisible = true;
   sameCount = 0;
 
   async created() {
diff --git a/src/views/ContactQRScanShowView.vue b/src/views/ContactQRScanShowView.vue
index 189dc2374..00dbf7b84 100644
--- a/src/views/ContactQRScanShowView.vue
+++ b/src/views/ContactQRScanShowView.vue
@@ -101,7 +101,7 @@ import { useClipboard } from "@vueuse/core";
 import QuickNav from "@/components/QuickNav.vue";
 import UserNameDialog from "@/components/UserNameDialog.vue";
 import { NotificationIface } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
+import { accountsDB, db, retrieveSettingsForActiveAccount } from "@/db/index";
 import { Contact } from "@/db/tables/contacts";
 import { MASTER_SETTINGS_KEY } from "@/db/tables/settings";
 import {
@@ -141,14 +141,13 @@ export default class ContactQRScanShow extends Vue {
   ETHR_DID_PREFIX = ETHR_DID_PREFIX;
 
   async created() {
-    await db.open();
-    const settings = await db.settings.get(MASTER_SETTINGS_KEY);
-    this.activeDid = (settings?.activeDid as string) || "";
-    this.apiServer = (settings?.apiServer as string) || "";
-    this.givenName = (settings?.firstName as string) || "";
+    const settings = await retrieveSettingsForActiveAccount();
+    this.activeDid = settings.activeDid || "";
+    this.apiServer = settings.apiServer || "";
+    this.givenName = settings.firstName || "";
     this.hideRegisterPromptOnNewContact =
-      !!settings?.hideRegisterPromptOnNewContact;
-    this.isRegistered = !!settings?.isRegistered;
+      !!settings.hideRegisterPromptOnNewContact;
+    this.isRegistered = !!settings.isRegistered;
 
     await accountsDB.open();
     const accounts = await accountsDB.accounts.toArray();
@@ -162,22 +161,17 @@ export default class ContactQRScanShow extends Vue {
         iss: this.activeDid,
         own: {
           name:
-            (settings?.firstName || "") +
-            (settings?.lastName ? ` ${settings.lastName}` : ""), // lastName is deprecated, pre v 0.1.3
+            (settings.firstName || "") +
+            (settings.lastName ? ` ${settings.lastName}` : ""), // lastName is deprecated, pre v 0.1.3
           publicEncKey,
-          profileImageUrl: settings?.profileImageUrl,
-          registered: settings?.isRegistered,
+          profileImageUrl: settings.profileImageUrl,
+          registered: settings.isRegistered,
         },
       };
 
       if (account?.mnemonic && account?.derivationPath) {
-        const newDerivPath = nextDerivationPath(
-          account.derivationPath as string,
-        );
-        const nextPublicHex = deriveAddress(
-          account.mnemonic as string,
-          newDerivPath,
-        )[2];
+        const newDerivPath = nextDerivationPath(account.derivationPath);
+        const nextPublicHex = deriveAddress(account.mnemonic, newDerivPath)[2];
         const nextPublicEncKey = Buffer.from(nextPublicHex, "hex");
         const nextPublicEncKeyHash = sha256(nextPublicEncKey);
         const nextPublicEncKeyHashBase64 =
@@ -191,14 +185,14 @@ export default class ContactQRScanShow extends Vue {
       viewPrefix + vcJwt;
 
       const name =
-        (settings?.firstName || "") +
-        (settings?.lastName ? ` ${settings.lastName}` : ""); // lastName is deprecated, pre v 0.1.3
+        (settings.firstName || "") +
+        (settings.lastName ? ` ${settings.lastName}` : ""); // lastName is deprecated, pre v 0.1.3
 
       this.qrValue = await generateEndorserJwtForAccount(
         account,
-        !!settings?.isRegistered,
+        !!settings.isRegistered,
         name,
-        settings?.profileImageUrl as string,
+        settings.profileImageUrl,
       );
     }
   }
diff --git a/src/views/ContactsView.vue b/src/views/ContactsView.vue
index dce0e84c8..c4c374394 100644
--- a/src/views/ContactsView.vue
+++ b/src/views/ContactsView.vue
@@ -292,9 +292,12 @@ import { Router } from "vue-router";
 import { useClipboard } from "@vueuse/core";
 
 import { AppString, NotificationIface } from "@/constants/app";
-import { db } from "@/db/index";
+import {
+  db,
+  retrieveSettingsForActiveAccount,
+  updateDefaultSettings,
+} from "@/db/index";
 import { Contact } from "@/db/tables/contacts";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
 import { getContactPayloadFromJwtUrl } from "@/libs/crypto";
 import {
   CONTACT_CSV_HEADER,
@@ -352,14 +355,14 @@ export default class ContactsView extends Vue {
 
   public async created() {
     await db.open();
-    const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-    this.activeDid = settings?.activeDid || "";
-    this.apiServer = settings?.apiServer || "";
-    this.isRegistered = !!settings?.isRegistered;
+    const settings = await retrieveSettingsForActiveAccount();
+    this.activeDid = settings.activeDid || "";
+    this.apiServer = settings.apiServer || "";
+    this.isRegistered = !!settings.isRegistered;
 
-    this.showGiveNumbers = !!settings?.showContactGivesInline;
+    this.showGiveNumbers = !!settings.showContactGivesInline;
     this.hideRegisterPromptOnNewContact =
-      !!settings?.hideRegisterPromptOnNewContact;
+      !!settings.hideRegisterPromptOnNewContact;
 
     if (this.showGiveNumbers) {
       this.loadGives();
@@ -715,7 +718,7 @@ export default class ContactsView extends Vue {
                   text: "Do you want to register them?",
                   onCancel: async (stopAsking: boolean) => {
                     if (stopAsking) {
-                      await db.settings.update(MASTER_SETTINGS_KEY, {
+                      await updateDefaultSettings({
                         hideRegisterPromptOnNewContact: stopAsking,
                       });
                       this.hideRegisterPromptOnNewContact = stopAsking;
@@ -723,7 +726,7 @@ export default class ContactsView extends Vue {
                   },
                   onNo: async (stopAsking: boolean) => {
                     if (stopAsking) {
-                      await db.settings.update(MASTER_SETTINGS_KEY, {
+                      await updateDefaultSettings({
                         hideRegisterPromptOnNewContact: stopAsking,
                       });
                       this.hideRegisterPromptOnNewContact = stopAsking;
@@ -1067,8 +1070,7 @@ export default class ContactsView extends Vue {
   private async toggleShowContactAmounts() {
     const newShowValue = !this.showGiveNumbers;
     try {
-      await db.open();
-      await db.settings.update(MASTER_SETTINGS_KEY, {
+      await updateDefaultSettings({
         showContactGivesInline: newShowValue,
       });
     } catch (err) {
diff --git a/src/views/DIDView.vue b/src/views/DIDView.vue
index 583b3b13e..7f2a5fe03 100644
--- a/src/views/DIDView.vue
+++ b/src/views/DIDView.vue
@@ -237,9 +237,9 @@ import QuickNav from "@/components/QuickNav.vue";
 import InfiniteScroll from "@/components/InfiniteScroll.vue";
 import TopMessage from "@/components/TopMessage.vue";
 import { NotificationIface } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
+import { accountsDB, db, retrieveSettingsForActiveAccount } from "@/db/index";
 import { Contact } from "@/db/tables/contacts";
-import { BoundingBox, MASTER_SETTINGS_KEY } from "@/db/tables/settings";
+import { BoundingBox } from "@/db/tables/settings";
 import {
   capitalizeAndInsertSpacesBeforeCaps,
   didInfoForContact,
@@ -290,10 +290,9 @@ export default class DIDView extends Vue {
   displayAmount = displayAmount;
 
   async mounted() {
-    await db.open();
-    const settings = await db.settings.get(MASTER_SETTINGS_KEY);
-    this.activeDid = (settings?.activeDid as string) || "";
-    this.apiServer = (settings?.apiServer as string) || "";
+    const settings = await retrieveSettingsForActiveAccount();
+    this.activeDid = settings.activeDid || "";
+    this.apiServer = settings.apiServer || "";
 
     const pathParam = window.location.pathname.substring("/did/".length);
     let theContact: Contact | undefined;
diff --git a/src/views/DiscoverView.vue b/src/views/DiscoverView.vue
index 6268018c4..fd62d2869 100644
--- a/src/views/DiscoverView.vue
+++ b/src/views/DiscoverView.vue
@@ -146,9 +146,9 @@ import InfiniteScroll from "@/components/InfiniteScroll.vue";
 import ProjectIcon from "@/components/ProjectIcon.vue";
 import TopMessage from "@/components/TopMessage.vue";
 import { NotificationIface } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
+import { accountsDB, db, retrieveSettingsForActiveAccount } from "@/db/index";
 import { Contact } from "@/db/tables/contacts";
-import { BoundingBox, MASTER_SETTINGS_KEY } from "@/db/tables/settings";
+import { BoundingBox } from "@/db/tables/settings";
 import { didInfo, getHeaders, PlanData } from "@/libs/endorserServer";
 
 @Component({
@@ -179,11 +179,10 @@ export default class DiscoverView extends Vue {
   didInfo = didInfo;
 
   async mounted() {
-    await db.open();
-    const settings = await db.settings.get(MASTER_SETTINGS_KEY);
-    this.activeDid = (settings?.activeDid as string) || "";
-    this.apiServer = (settings?.apiServer as string) || "";
-    this.searchBox = settings?.searchBoxes?.[0] || null;
+    const settings = await retrieveSettingsForActiveAccount();
+    this.activeDid = (settings.activeDid as string) || "";
+    this.apiServer = (settings.apiServer as string) || "";
+    this.searchBox = settings.searchBoxes?.[0] || null;
 
     this.allContacts = await db.contacts.toArray();
 
diff --git a/src/views/GiftedDetailsView.vue b/src/views/GiftedDetailsView.vue
index 76b50cf89..231cd3d86 100644
--- a/src/views/GiftedDetailsView.vue
+++ b/src/views/GiftedDetailsView.vue
@@ -181,8 +181,7 @@ import ImageMethodDialog from "@/components/ImageMethodDialog.vue";
 import QuickNav from "@/components/QuickNav.vue";
 import TopMessage from "@/components/TopMessage.vue";
 import { DEFAULT_IMAGE_API_SERVER, NotificationIface } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
+import { accountsDB, db, retrieveSettingsForActiveAccount } from "@/db/index";
 import {
   createAndSubmitGive,
   didInfo,
@@ -319,10 +318,9 @@ export default class GiftedDetails extends Vue {
     }
 
     try {
-      await db.open();
-      const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-      this.apiServer = settings?.apiServer || "";
-      this.activeDid = settings?.activeDid || "";
+      const settings = await retrieveSettingsForActiveAccount();
+      this.apiServer = settings.apiServer || "";
+      this.activeDid = settings.activeDid || "";
 
       let allContacts: Contact[] = [];
       let allMyDids: string[] = [];
diff --git a/src/views/HomeView.vue b/src/views/HomeView.vue
index 431a4feff..67bdc0a55 100644
--- a/src/views/HomeView.vue
+++ b/src/views/HomeView.vue
@@ -84,11 +84,11 @@
             id="noticeSomeoneMustRegisterYou"
             class="bg-amber-200 rounded-md overflow-hidden text-center px-4 py-3 mb-4"
           >
-            <!-- activeDid && !isRegistered -->
+            <!-- !isCreatingIdentifier && !isRegistered -->
             To share, someone must register you.
             <div class="block text-center">
               <button
-                @click="showNameDialog()"
+                @click="showNameThenIdDialog()"
                 class="text-md font-bold bg-gradient-to-b from-blue-400 to-blue-700 shadow-[inset_0_-1px_0_0_rgba(0,0,0,0.5)] text-white mt-2 px-2 py-3 rounded-md"
               >
                 Show them {{ PASSKEYS_ENABLED ? "default" : "your" }} identifier
@@ -107,7 +107,7 @@
           </div>
 
           <div v-else id="sectionRecordSomethingGiven">
-            <!-- activeDid && isRegistered -->
+            <!-- !isCreatingIdentifier && isRegistered -->
 
             <!-- show the actions for recognizing a give -->
             <div class="flex justify-between">
@@ -325,13 +325,17 @@ import {
   NotificationIface,
   PASSKEYS_ENABLED,
 } from "@/constants/app";
-import { db, accountsDB } from "@/db/index";
+import {
+  db,
+  accountsDB,
+  updateAccountSettings,
+  retrieveSettingsForActiveAccount,
+} from "@/db/index";
 import { Contact } from "@/db/tables/contacts";
 import {
   BoundingBox,
   isAnyFeedFilterOn,
   MASTER_SETTINGS_KEY,
-  Settings,
 } from "@/db/tables/settings";
 import {
   contactForDid,
@@ -420,18 +424,17 @@ export default class HomeView extends Vue {
         this.allMyDids = [newDid];
       }
 
-      await db.open();
-      const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-      this.apiServer = settings?.apiServer || "";
-      this.activeDid = settings?.activeDid || "";
+      const settings = await retrieveSettingsForActiveAccount();
+      this.apiServer = settings.apiServer || "";
+      this.activeDid = settings.activeDid || "";
       this.allContacts = await db.contacts.toArray();
-      this.feedLastViewedClaimId = settings?.lastViewedClaimId;
-      this.givenName = settings?.firstName || "";
-      this.isFeedFilteredByVisible = !!settings?.filterFeedByVisible;
-      this.isFeedFilteredByNearby = !!settings?.filterFeedByNearby;
-      this.isRegistered = !!settings?.isRegistered;
-      this.searchBoxes = settings?.searchBoxes || [];
-      this.showShortcutBvc = !!settings?.showShortcutBvc;
+      this.feedLastViewedClaimId = settings.lastViewedClaimId;
+      this.givenName = settings.firstName || "";
+      this.isFeedFilteredByVisible = !!settings.filterFeedByVisible;
+      this.isFeedFilteredByNearby = !!settings.filterFeedByNearby;
+      this.isRegistered = !!settings.isRegistered;
+      this.searchBoxes = settings.searchBoxes || [];
+      this.showShortcutBvc = !!settings.showShortcutBvc;
 
       this.isAnyFeedFilterOn = isAnyFeedFilterOn(settings);
 
@@ -444,9 +447,7 @@ export default class HomeView extends Vue {
             this.activeDid,
           );
           if (resp.status === 200) {
-            // we just needed to know that they're registered
-            await db.open();
-            await db.settings.update(MASTER_SETTINGS_KEY, {
+            await updateAccountSettings(this.activeDid, {
               isRegistered: true,
             });
             this.isRegistered = true;
@@ -495,10 +496,9 @@ export default class HomeView extends Vue {
 
   // only called when a setting was changed
   async reloadFeedOnChange() {
-    await db.open();
-    const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-    this.isFeedFilteredByVisible = !!settings?.filterFeedByVisible;
-    this.isFeedFilteredByNearby = !!settings?.filterFeedByNearby;
+    const settings = await retrieveSettingsForActiveAccount();
+    this.isFeedFilteredByVisible = !!settings.filterFeedByVisible;
+    this.isFeedFilteredByNearby = !!settings.filterFeedByNearby;
     this.isAnyFeedFilterOn = isAnyFeedFilterOn(settings);
 
     this.feedData = [];
@@ -555,7 +555,7 @@ export default class HomeView extends Vue {
             // This has indeed proven problematic. See loadMoreGives
             // We should display it immediately and then get the plan later.
             const plan = await getPlanFromCache(
-              record.fulfillsPlanHandleId,
+              record.fulfillsPlanHandleId || "",
               this.axios,
               this.apiServer,
               this.activeDid,
@@ -782,7 +782,7 @@ export default class HomeView extends Vue {
     return known ? "text-slate-500" : "text-slate-100";
   }
 
-  showNameDialog() {
+  showNameThenIdDialog() {
     if (!this.givenName) {
       (this.$refs.userNameDialog as UserNameDialog).open(() => {
         this.promptForShareMethod();
diff --git a/src/views/IdentitySwitcherView.vue b/src/views/IdentitySwitcherView.vue
index 3182a9a23..69668fbac 100644
--- a/src/views/IdentitySwitcherView.vue
+++ b/src/views/IdentitySwitcherView.vue
@@ -102,8 +102,8 @@ import { Component, Vue } from "vue-facing-decorator";
 import { Router } from "vue-router";
 
 import { NotificationIface } from "@/constants/app";
-import { db, accountsDB } from "@/db/index";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
+import { db, accountsDB, retrieveSettingsForActiveAccount } from "@/db/index";
+import { MASTER_SETTINGS_KEY } from "@/db/tables/settings";
 import QuickNav from "@/components/QuickNav.vue";
 
 @Component({ components: { QuickNav } })
@@ -118,11 +118,10 @@ export default class IdentitySwitcherView extends Vue {
 
   async created() {
     try {
-      await db.open();
-      const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-      this.activeDid = settings?.activeDid || "";
-      this.apiServer = settings?.apiServer || "";
-      this.apiServerInput = settings?.apiServer || "";
+      const settings = await retrieveSettingsForActiveAccount();
+      this.activeDid = settings.activeDid || "";
+      this.apiServer = settings.apiServer || "";
+      this.apiServerInput = settings.apiServer || "";
 
       await accountsDB.open();
       const accounts = await accountsDB.accounts.toArray();
diff --git a/src/views/NewEditAccountView.vue b/src/views/NewEditAccountView.vue
index 681ae06b8..7038242ac 100644
--- a/src/views/NewEditAccountView.vue
+++ b/src/views/NewEditAccountView.vue
@@ -47,8 +47,8 @@
 import { Component, Vue } from "vue-facing-decorator";
 import { Router } from "vue-router";
 
-import { db } from "@/db/index";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
+import { db, retrieveSettingsForActiveAccount } from "@/db/index";
+import { MASTER_SETTINGS_KEY } from "@/db/tables/settings";
 
 @Component({
   components: {},
@@ -58,11 +58,10 @@ export default class NewEditAccountView extends Vue {
 
   // 'created' hook runs when the Vue instance is first created
   async created() {
-    await db.open();
-    const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
+    const settings = await retrieveSettingsForActiveAccount();
     this.givenName =
-      (settings?.firstName || "") +
-      (settings?.lastName ? ` ${settings.lastName}` : ""); // deprecated, pre v 0.1.3
+      (settings.firstName || "") +
+      (settings.lastName ? ` ${settings.lastName}` : ""); // deprecated, pre v 0.1.3
   }
 
   async onClickSaveChanges() {
diff --git a/src/views/NewEditProjectView.vue b/src/views/NewEditProjectView.vue
index a6579dda5..c9f199d64 100644
--- a/src/views/NewEditProjectView.vue
+++ b/src/views/NewEditProjectView.vue
@@ -185,8 +185,7 @@ import { Router } from "vue-router";
 import ImageMethodDialog from "@/components/ImageMethodDialog.vue";
 import QuickNav from "@/components/QuickNav.vue";
 import { DEFAULT_IMAGE_API_SERVER, NotificationIface } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
-import { MASTER_SETTINGS_KEY } from "@/db/tables/settings";
+import { accountsDB, retrieveSettingsForActiveAccount } from "@/db/index";
 import {
   createEndorserJwtVcFromClaim,
   getHeaders,
@@ -234,10 +233,9 @@ export default class NewEditProjectView extends Vue {
     await accountsDB.open();
     this.numAccounts = await accountsDB.accounts.count();
 
-    await db.open();
-    const settings = await db.settings.get(MASTER_SETTINGS_KEY);
-    this.activeDid = (settings?.activeDid as string) || "";
-    this.apiServer = (settings?.apiServer as string) || "";
+    const settings = await retrieveSettingsForActiveAccount();
+    this.activeDid = settings.activeDid || "";
+    this.apiServer = settings.apiServer || "";
 
     this.projectId = (this.$route as Router).query["projectId"] || "";
 
diff --git a/src/views/OfferDetailsView.vue b/src/views/OfferDetailsView.vue
index d50f92860..a5651db58 100644
--- a/src/views/OfferDetailsView.vue
+++ b/src/views/OfferDetailsView.vue
@@ -181,8 +181,7 @@ import { Router } from "vue-router";
 import QuickNav from "@/components/QuickNav.vue";
 import TopMessage from "@/components/TopMessage.vue";
 import { NotificationIface } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
+import { accountsDB, db, retrieveSettingsForActiveAccount } from "@/db/index";
 import {
   createAndSubmitOffer,
   didInfo,
@@ -296,10 +295,9 @@ export default class OfferDetailsView extends Vue {
       this.prevCredToEdit?.claim?.validThrough || this.validThroughDateInput;
 
     try {
-      await db.open();
-      const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-      this.apiServer = settings?.apiServer || "";
-      this.activeDid = settings?.activeDid || "";
+      const settings = await retrieveSettingsForActiveAccount();
+      this.apiServer = settings.apiServer || "";
+      this.activeDid = settings.activeDid || "";
 
       let allContacts: Contact[] = [];
       let allMyDids: string[] = [];
diff --git a/src/views/ProjectViewView.vue b/src/views/ProjectViewView.vue
index d6ff3da2d..c11a73fa0 100644
--- a/src/views/ProjectViewView.vue
+++ b/src/views/ProjectViewView.vue
@@ -431,10 +431,9 @@ import QuickNav from "@/components/QuickNav.vue";
 import EntityIcon from "@/components/EntityIcon.vue";
 import ProjectIcon from "@/components/ProjectIcon.vue";
 import { NotificationIface } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
+import { accountsDB, db, retrieveSettingsForActiveAccount } from "@/db/index";
 import { Account } from "@/db/tables/accounts";
 import { Contact } from "@/db/tables/contacts";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
 import * as libsUtil from "@/libs/util";
 import {
   BLANK_GENERIC_SERVER_RECORD,
@@ -494,12 +493,11 @@ export default class ProjectViewView extends Vue {
   serverUtil = serverUtil;
 
   async created() {
-    await db.open();
-    const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-    this.activeDid = settings?.activeDid || "";
-    this.apiServer = settings?.apiServer || "";
+    const settings = await retrieveSettingsForActiveAccount();
+    this.activeDid = settings.activeDid || "";
+    this.apiServer = settings.apiServer || "";
     this.allContacts = await db.contacts.toArray();
-    this.isRegistered = !!settings?.isRegistered;
+    this.isRegistered = !!settings.isRegistered;
 
     await accountsDB.open();
     const accounts = accountsDB.accounts;
diff --git a/src/views/ProjectsView.vue b/src/views/ProjectsView.vue
index d1083a796..0142cb8c6 100644
--- a/src/views/ProjectsView.vue
+++ b/src/views/ProjectsView.vue
@@ -208,6 +208,15 @@
           />
           button. You'll never know until you try.
         </div>
+        <div v-else>
+          <button
+            @click="showNameThenIdDialog()"
+            class="text-md font-bold bg-gradient-to-b from-blue-400 to-blue-700 shadow-[inset_0_-1px_0_0_rgba(0,0,0,0.5)] text-white mt-2 px-2 py-3 rounded-md"
+          >
+            Get someone to onboard you.
+          </button>
+          <UserNameDialog ref="userNameDialog" />
+        </div>
       </div>
       <ul id="listProjects" class="border-t border-slate-300">
         <li
@@ -247,8 +256,7 @@ import { Component, Vue } from "vue-facing-decorator";
 import { Router } from "vue-router";
 
 import { NotificationIface } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
-import { MASTER_SETTINGS_KEY } from "@/db/tables/settings";
+import { accountsDB, db, retrieveSettingsForActiveAccount } from "@/db/index";
 import * as libsUtil from "@/libs/util";
 import InfiniteScroll from "@/components/InfiniteScroll.vue";
 import QuickNav from "@/components/QuickNav.vue";
@@ -263,9 +271,17 @@ import {
 } from "@/libs/endorserServer";
 import EntityIcon from "@/components/EntityIcon.vue";
 import { Contact } from "@/db/tables/contacts";
+import UserNameDialog from "@/components/UserNameDialog.vue";
 
 @Component({
-  components: { EntityIcon, InfiniteScroll, QuickNav, ProjectIcon, TopMessage },
+  components: {
+    EntityIcon,
+    InfiniteScroll,
+    QuickNav,
+    ProjectIcon,
+    TopMessage,
+    UserNameDialog,
+  },
 })
 export default class ProjectsView extends Vue {
   $notify!: (notification: NotificationIface, timeout?: number) => void;
@@ -280,11 +296,12 @@ export default class ProjectsView extends Vue {
   allContacts: Array<Contact> = [];
   allMyDids: Array<string> = [];
   apiServer = "";
-  projects: PlanData[] = [];
+  givenName = "";
   isLoading = false;
   isRegistered = false;
   offers: OfferSummaryRecord[] = [];
   projectNameFromHandleId: Record<string, string> = {}; // mapping from handleId to description
+  projects: PlanData[] = [];
   showOffers = true;
   showProjects = false;
 
@@ -293,11 +310,11 @@ export default class ProjectsView extends Vue {
 
   async mounted() {
     try {
-      await db.open();
-      const settings = await db.settings.get(MASTER_SETTINGS_KEY);
-      this.activeDid = (settings?.activeDid as string) || "";
-      this.apiServer = (settings?.apiServer as string) || "";
-      this.isRegistered = !!settings?.isRegistered;
+      const settings = await retrieveSettingsForActiveAccount();
+      this.activeDid = settings.activeDid || "";
+      this.apiServer = settings.apiServer || "";
+      this.isRegistered = !!settings.isRegistered;
+      this.givenName = settings.firstName || "";
 
       this.allContacts = await db.contacts.toArray();
 
@@ -497,6 +514,37 @@ export default class ProjectsView extends Vue {
     await this.offerDataLoader(url);
   }
 
+  showNameThenIdDialog() {
+    if (!this.givenName) {
+      (this.$refs.userNameDialog as UserNameDialog).open(() => {
+        this.promptForShareMethod();
+      });
+    } else {
+      this.promptForShareMethod();
+    }
+  }
+
+  promptForShareMethod() {
+    this.$notify(
+      {
+        group: "modal",
+        type: "confirm",
+        title: "Are you nearby with cameras?",
+        text: "If so, we'll use those with QR codes to share.",
+        onCancel: async () => {},
+        onNo: async () => {
+          (this.$router as Router).push({ name: "share-my-contact-info" });
+        },
+        onYes: async () => {
+          (this.$router as Router).push({ name: "contact-qr" });
+        },
+        noText: "we will share another way",
+        yesText: "we are nearby with cameras",
+      },
+      -1,
+    );
+  }
+
   public computedOfferTabClassNames() {
     return {
       "inline-block": true,
diff --git a/src/views/QuickActionBvcBeginView.vue b/src/views/QuickActionBvcBeginView.vue
index b5618d2cf..5b0655adb 100644
--- a/src/views/QuickActionBvcBeginView.vue
+++ b/src/views/QuickActionBvcBeginView.vue
@@ -72,7 +72,7 @@ import { Component, Vue } from "vue-facing-decorator";
 import QuickNav from "@/components/QuickNav.vue";
 import TopMessage from "@/components/TopMessage.vue";
 import { NotificationIface } from "@/constants/app";
-import { db } from "@/db/index";
+import { retrieveSettingsForActiveAccount } from "@/db/index";
 import {
   BVC_MEETUPS_PROJECT_CLAIM_ID,
   bvcMeetingJoinClaim,
@@ -80,7 +80,6 @@ import {
   createAndSubmitGive,
 } from "@/libs/endorserServer";
 import * as libsUtil from "@/libs/util";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
 
 @Component({
   components: {
@@ -117,10 +116,9 @@ export default class QuickActionBvcBeginView extends Vue {
   }
 
   async record() {
-    await db.open();
-    const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-    const activeDid = settings?.activeDid || "";
-    const apiServer = settings?.apiServer || "";
+    const settings = await retrieveSettingsForActiveAccount();
+    const activeDid = settings.activeDid || "";
+    const apiServer = settings.apiServer || "";
 
     try {
       const hoursNum = libsUtil.numberOrZero(this.hoursStr);
diff --git a/src/views/QuickActionBvcEndView.vue b/src/views/QuickActionBvcEndView.vue
index 0fb89fe07..bac10f067 100644
--- a/src/views/QuickActionBvcEndView.vue
+++ b/src/views/QuickActionBvcEndView.vue
@@ -144,9 +144,8 @@ import { Router } from "vue-router";
 import QuickNav from "@/components/QuickNav.vue";
 import TopMessage from "@/components/TopMessage.vue";
 import { NotificationIface } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
+import { accountsDB, db, retrieveSettingsForActiveAccount } from "@/db/index";
 import { Contact } from "@/db/tables/contacts";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
 import {
   BVC_MEETUPS_PROJECT_CLAIM_ID,
   claimSpecialDescription,
@@ -182,10 +181,9 @@ export default class QuickActionBvcBeginView extends Vue {
   someoneGave = false;
 
   async created() {
-    await db.open();
-    const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-    this.apiServer = settings?.apiServer || "";
-    this.activeDid = settings?.activeDid || "";
+    const settings = await retrieveSettingsForActiveAccount();
+    this.apiServer = settings.apiServer || "";
+    this.activeDid = settings.activeDid || "";
     this.allContacts = await db.contacts.toArray();
   }
 
diff --git a/src/views/SearchAreaView.vue b/src/views/SearchAreaView.vue
index 5a280da7a..b8d8cb598 100644
--- a/src/views/SearchAreaView.vue
+++ b/src/views/SearchAreaView.vue
@@ -109,7 +109,7 @@ import { Router } from "vue-router";
 
 import QuickNav from "@/components/QuickNav.vue";
 import { NotificationIface } from "@/constants/app";
-import { db } from "@/db/index";
+import { db, retrieveSettingsForActiveAccount } from "@/db/index";
 import { BoundingBox, MASTER_SETTINGS_KEY } from "@/db/tables/settings";
 
 const DEFAULT_LAT_LONG_DIFF = 0.01;
@@ -142,9 +142,8 @@ export default class DiscoverView extends Vue {
   searchBox: { name: string; bbox: BoundingBox } | null = null;
 
   async mounted() {
-    await db.open();
-    const settings = await db.settings.get(MASTER_SETTINGS_KEY);
-    this.searchBox = settings?.searchBoxes?.[0] || null;
+    const settings = await retrieveSettingsForActiveAccount();
+    this.searchBox = settings.searchBoxes?.[0] || null;
     this.resetLatLong();
   }
 
diff --git a/src/views/SeedBackupView.vue b/src/views/SeedBackupView.vue
index a0ce64399..2323fa0a0 100644
--- a/src/views/SeedBackupView.vue
+++ b/src/views/SeedBackupView.vue
@@ -105,9 +105,8 @@ import { useClipboard } from "@vueuse/core";
 
 import QuickNav from "@/components/QuickNav.vue";
 import { NotificationIface } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
+import { accountsDB, retrieveSettingsForActiveAccount } from "@/db/index";
 import { Account } from "@/db/tables/accounts";
-import { MASTER_SETTINGS_KEY } from "@/db/tables/settings";
 
 @Component({ components: { QuickNav } })
 export default class SeedBackupView extends Vue {
@@ -122,9 +121,8 @@ export default class SeedBackupView extends Vue {
   // 'created' hook runs when the Vue instance is first created
   async created() {
     try {
-      await db.open();
-      const settings = await db.settings.get(MASTER_SETTINGS_KEY);
-      const activeDid = settings?.activeDid || "";
+      const settings = await retrieveSettingsForActiveAccount();
+      const activeDid = settings.activeDid || "";
 
       await accountsDB.open();
       const accounts = await accountsDB.accounts.toArray();
diff --git a/src/views/ShareMyContactInfoView.vue b/src/views/ShareMyContactInfoView.vue
index 72b2788c9..e42e2957f 100644
--- a/src/views/ShareMyContactInfoView.vue
+++ b/src/views/ShareMyContactInfoView.vue
@@ -49,8 +49,7 @@ import { useClipboard } from "@vueuse/core";
 import QuickNav from "@/components/QuickNav.vue";
 import TopMessage from "@/components/TopMessage.vue";
 import { NotificationIface } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
+import { accountsDB, db, retrieveSettingsForActiveAccount } from "@/db/index";
 import { generateEndorserJwtForAccount } from "@/libs/endorserServer";
 
 @Component({
@@ -60,12 +59,11 @@ export default class ShareMyContactInfoView extends Vue {
   $notify!: (notification: NotificationIface, timeout?: number) => void;
 
   async onClickShare() {
-    await db.open();
-    const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-    const activeDid = settings?.activeDid || "";
-    const givenName = settings?.firstName || "";
-    const isRegistered = !!settings?.isRegistered;
-    const profileImageUrl = settings?.profileImageUrl || "";
+    const settings = await retrieveSettingsForActiveAccount();
+    const activeDid = settings.activeDid || "";
+    const givenName = settings.firstName || "";
+    const isRegistered = !!settings.isRegistered;
+    const profileImageUrl = settings.profileImageUrl || "";
 
     await accountsDB.open();
     const accounts = await accountsDB.accounts.toArray();
diff --git a/src/views/SharedPhotoView.vue b/src/views/SharedPhotoView.vue
index 1bd583e43..f4370a8b5 100644
--- a/src/views/SharedPhotoView.vue
+++ b/src/views/SharedPhotoView.vue
@@ -75,7 +75,7 @@ import {
   IMAGE_TYPE_PROFILE,
   NotificationIface,
 } from "@/constants/app";
-import { db } from "@/db/index";
+import { db, retrieveSettingsForActiveAccount } from "@/db/index";
 import { MASTER_SETTINGS_KEY } from "@/db/tables/settings";
 import { accessToken } from "@/libs/crypto";
 import { base64ToBlob, SHARED_PHOTO_BASE64_KEY } from "@/libs/util";
@@ -94,9 +94,8 @@ export default class SharedPhotoView extends Vue {
   // 'created' hook runs when the Vue instance is first created
   async mounted() {
     try {
-      await db.open();
-      const settings = await db.settings.get(MASTER_SETTINGS_KEY);
-      this.activeDid = settings?.activeDid as string;
+      const settings = await retrieveSettingsForActiveAccount();
+      this.activeDid = settings.activeDid;
 
       const temp = await db.temp.get(SHARED_PHOTO_BASE64_KEY);
       const imageB64 = temp?.blobB64 as string;
diff --git a/src/views/StartView.vue b/src/views/StartView.vue
index 373741a1b..4f56181a2 100644
--- a/src/views/StartView.vue
+++ b/src/views/StartView.vue
@@ -92,8 +92,7 @@ import { Component, Vue } from "vue-facing-decorator";
 import { Router } from "vue-router";
 
 import { AppString, PASSKEYS_ENABLED } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
-import { MASTER_SETTINGS_KEY, Settings } from "@/db/tables/settings";
+import { accountsDB, retrieveSettingsForActiveAccount } from "@/db/index";
 import { registerSaveAndActivatePasskey } from "@/libs/util";
 
 @Component({
@@ -106,9 +105,8 @@ export default class StartView extends Vue {
   numAccounts = 0;
 
   async mounted() {
-    await db.open();
-    const settings = (await db.settings.get(MASTER_SETTINGS_KEY)) as Settings;
-    this.givenName = settings?.firstName || "";
+    const settings = await retrieveSettingsForActiveAccount();
+    this.givenName = settings.firstName || "";
 
     await accountsDB.open();
     this.numAccounts = await accountsDB.accounts.count();
diff --git a/src/views/TestView.vue b/src/views/TestView.vue
index 6461cf940..1ec8a7f90 100644
--- a/src/views/TestView.vue
+++ b/src/views/TestView.vue
@@ -247,8 +247,7 @@ import { Router } from "vue-router";
 
 import QuickNav from "@/components/QuickNav.vue";
 import { AppString, NotificationIface } from "@/constants/app";
-import { accountsDB, db } from "@/db/index";
-import { MASTER_SETTINGS_KEY } from "@/db/tables/settings";
+import { accountsDB, db, retrieveSettingsForActiveAccount } from "@/db/index";
 import * as vcLib from "@/libs/crypto/vc";
 import {
   PeerSetup,
@@ -291,10 +290,9 @@ export default class Help extends Vue {
   userName?: string;
 
   async mounted() {
-    await db.open();
-    const settings = await db.settings.get(MASTER_SETTINGS_KEY);
-    this.activeDid = (settings?.activeDid as string) || "";
-    this.userName = settings?.firstName as string;
+    const settings = await retrieveSettingsForActiveAccount();
+    this.activeDid = settings.activeDid || "";
+    this.userName = settings.firstName;
 
     await accountsDB.open();
     const account: { identity?: string } | undefined = await accountsDB.accounts
diff --git a/test-playwright/00-noid-tests.spec.ts b/test-playwright/00-noid-tests.spec.ts
index 977525e74..4d623dfeb 100644
--- a/test-playwright/00-noid-tests.spec.ts
+++ b/test-playwright/00-noid-tests.spec.ts
@@ -37,6 +37,17 @@ test('Check no-ID messaging in account', async ({ page }) => {
   await expect(page.locator('#sectionIdentityDetails code.truncate')).toBeEmpty();
 });
 
+test('Check ability to share contact', async ({ page }) => {
+  // Load Discover view
+  await page.goto('./discover');
+
+  // Check that initial 10 projects have been loaded
+  await page.locator('ul#listDiscoverResults li.border-b:nth-child(10)');
+
+  // Scroll down a bit to trigger loading additional projects
+  await page.locator('ul#listDiscoverResults li.border-b:nth-child(20)').scrollIntoViewIfNeeded();
+});
+
 test('Check ID generation', async ({ page }) => {
   // Load Account view
   await page.goto('./account');
@@ -83,7 +94,7 @@ test('Check setting name & sharing info', async ({ page }) => {
   await expect(page.getByText('your contacts')).toBeVisible();
 });
 
-test('Confirm usage of test API (may fail if you are running your own Time Safari)', async ({ page }, testInfo) => {
+test('Confirm test API setting (may fail if you are running your own Time Safari)', async ({ page }, testInfo) => {
   // Load account view
   await page.goto('./account');
   await page.getByRole('heading', { name: 'Advanced' }).click();
diff --git a/test-playwright/40-add-contact.spec.ts b/test-playwright/40-add-contact.spec.ts
index 270be342e..ac81b9330 100644
--- a/test-playwright/40-add-contact.spec.ts
+++ b/test-playwright/40-add-contact.spec.ts
@@ -22,7 +22,7 @@ test('Add contact, record gift, confirm gift', async ({ page }) => {
   const finalTitle = standardTitle + finalRandomString;
 
   // Contact name
-  const contactName = 'Contact #111';
+  const contactName = 'Contact #000 renamed';
 
   // Import user 01
   await importUser(page, '01');
@@ -45,6 +45,7 @@ test('Add contact, record gift, confirm gift', async ({ page }) => {
   await expect(page.locator('div.dialog-overlay > div.dialog').filter({ hasText: 'Edit Name' })).toBeVisible();
   await page.getByPlaceholder('Name', { exact: true }).fill(contactName);
   await page.locator('.dialog > .flex > button').first().click();
+  // await page.locator('.dialog > .flex > button').first().click(); // close alert
 
   // Confirm that home shows contact in "Record Something…"
   await page.goto('./');
@@ -59,6 +60,9 @@ test('Add contact, record gift, confirm gift', async ({ page }) => {
 
   // Refresh home view and check gift
   await page.goto('./');
+
+  // Firefox complains on load the initial feed here when we use the test server.
+  // It may be similar to the CORS problem below.
   await page.locator('li').filter({ hasText: finalTitle }).locator('a').click();
   await expect(page.getByRole('heading', { name: 'Verifiable Claim Details' })).toBeVisible();
   await expect(page.getByText(finalTitle, { exact: true })).toBeVisible();
@@ -88,6 +92,24 @@ test('Add contact, record gift, confirm gift', async ({ page }) => {
   await expect(page.locator('div[role="alert"]')).toBeVisible();
 });
 
+test('Without being registered, add contacts without registration', async ({ page, context }) => {
+  await page.goto('./account');
+  // wait until the DID shows on the page in the 'did' element
+  const didElem = await page.getByTestId('didWrapper').locator('code');
+  const newDid = await didElem.innerText();
+  expect(newDid.trim()).toEqual('');
+
+  // Add new contact without registering
+  await page.goto('./contacts');
+  await page.getByPlaceholder('URL or DID, Name, Public Key').fill('did:ethr:0x111d15564f824D56C7a07b913aA7aDd03382aA39, User #111');
+  await page.locator('button > svg.fa-plus').click();
+  await expect(page.locator('div[role="alert"] span:has-text("Contact Added")')).toBeVisible();
+  await page.locator('div[role="alert"] button > svg.fa-xmark').click(); // dismiss info alert
+  // wait for the alert to disappear, which also ensures that there is no "Register" button waiting
+  await expect(page.locator('div[role="alert"]')).toBeHidden();
+
+});
+
 test('Add contact, copy details, delete, and import various ways', async ({ page, context }) => {
   await importUser(page, '00');
 
@@ -117,6 +139,7 @@ test('Add contact, copy details, delete, and import various ways', async ({ page
   await page.getByTestId('contactCheckAllTop').click();
   await page.getByTestId('copySelectedContactsButtonTop').click();
   await page.locator('div[role="alert"] button > svg.fa-xmark').click(); // dismiss alert
+  await expect(page.locator('div[role="alert"]')).toBeHidden();
   // I would prefer to copy from the clipboard, but the recommended approaches don't work.
   // this seems to fail in non-chromium browsers
   //await context.grantPermissions(['clipboard-read', 'clipboard-write']);
@@ -125,12 +148,19 @@ test('Add contact, copy details, delete, and import various ways', async ({ page
 
   // see contact details on the second contact
   await page.getByTestId('contactListItem').nth(1).locator('a').click();
+  await page.getByRole('heading', { name: 'Identifier Details' }).isVisible();
   // remove contact
   await page.locator('button > svg.fa-trash-can').click();
   await page.locator('div[role="alert"] button:has-text("Yes")').click();
   // for some reason, .isHidden() (without expect) doesn't work
   await expect(page.locator('div[role="alert"] button:has-text("Yes")')).toBeHidden();
+
+  // Firefox has a problem when we run this against the test server. It doesn't load the feed.
+  // It says there's a CORS problem; maybe it's more strict than the other browsers.
+  // It works when we set the config to use a local server.
+  // Seems like we hit a similar problem above.
   await page.locator('div[role="alert"] button > svg.fa-xmark').click(); // dismiss alert
+  await expect(page.locator('div[role="alert"]')).toBeHidden();
 
   // go to the contacts page and paste the copied contact details
   await page.goto('./contacts');
diff --git a/test-playwright/testUtils.ts b/test-playwright/testUtils.ts
index 0d674e9d3..4eef394bd 100644
--- a/test-playwright/testUtils.ts
+++ b/test-playwright/testUtils.ts
@@ -95,4 +95,4 @@ export async function createRandomNumbersArray(count: number): Promise<number[]>
   }
 
   return numbersArray;
-}
\ No newline at end of file
+}