diff --git a/package.json b/package.json
index 69816f2..d5b7f70 100644
--- a/package.json
+++ b/package.json
@@ -1,7 +1,7 @@
 {
   "name": "skate-spots",
   "private": true,
-  "version": "1.3.6",
+  "version": "1.3.7",
   "type": "module",
   "homepage": "https://skate-spots.com",
   "scripts": {
diff --git a/src/pages/OnboardingPage.tsx b/src/pages/OnboardingPage.tsx
index 8e87ae0..d9ba0d1 100644
--- a/src/pages/OnboardingPage.tsx
+++ b/src/pages/OnboardingPage.tsx
@@ -35,6 +35,7 @@ import {
   MessageCircle,
   Lock,
   Users,
+  Download,
 } from 'lucide-react';
 import { FounderFollow } from '@/components/FounderFollow';
 
@@ -69,6 +70,47 @@ function FAQ({ q, a }: { q: string; a: React.ReactNode }) {
   );
 }
 
+// ─── Collapsible section ──────────────────────────────────────────────────────
+// Keeps heavier, optional content (Nostr explainer, FAQ) tucked away by default
+// so the page feels light on arrival — tap to expand. Reduces first-glance
+// cognitive load without removing anything.
+function CollapsibleSection({
+  title,
+  icon,
+  defaultOpen = false,
+  children,
+}: {
+  title: string;
+  icon?: React.ReactNode;
+  defaultOpen?: boolean;
+  children: React.ReactNode;
+}) {
+  const [open, setOpen] = useState(defaultOpen);
+  return (
+    <div>
+      <button
+        onClick={() => setOpen(o => !o)}
+        aria-expanded={open}
+        className="w-full flex items-center gap-2 mb-3 group"
+      >
+        {icon}
+        <h2 className="text-xs font-black uppercase tracking-widest text-gray-500 group-hover:text-gray-300 transition-colors">
+          {title}
+        </h2>
+        <ChevronDown className={cn(
+          'h-3.5 w-3.5 text-gray-600 ml-auto transition-transform duration-200',
+          open && 'rotate-180 text-[#ff0040]'
+        )} />
+      </button>
+      {open && (
+        <div className="animate-in fade-in slide-in-from-top-1 duration-200 motion-reduce:animate-none">
+          {children}
+        </div>
+      )}
+    </div>
+  );
+}
+
 // ─── Feature pill ─────────────────────────────────────────────────────────────
 function FeaturePill({ emoji, label }: { emoji: string; label: string }) {
   return (
@@ -90,6 +132,10 @@ export default function OnboardingPage() {
   const { toast } = useToast();
   const [showRelayEducation, setShowRelayEducation] = useState(false);
   const [, setHasSeenRelayEducation] = useLocalStorage('seen-relay-education', false);
+  // Shared with BackupReminder — the single source of truth for "has the user
+  // saved their login/key?". The banner below stays until this is true, so
+  // "remind me later" can never silently become "never" for this critical step.
+  const [backupConfirmed] = useLocalStorage('backup-confirmed', false);
 
   const handleRelayEducationComplete = () => {
     setShowRelayEducation(false);
@@ -169,7 +215,7 @@ export default function OnboardingPage() {
 
         {/* ── Logged in: step 1 complete ── */}
         {user && (
-          <div className="flex items-center gap-4 p-4 rounded-2xl bg-green-500/8 border border-green-500/25 mb-8">
+          <div className="flex items-center gap-4 p-4 rounded-2xl bg-green-500/8 border border-green-500/25 mb-4">
             <div className="w-9 h-9 rounded-full bg-green-500 flex items-center justify-center flex-shrink-0">
               <CheckCircle2 className="h-5 w-5 text-white" />
             </div>
@@ -183,6 +229,38 @@ export default function OnboardingPage() {
           </div>
         )}
 
+        {/* ── Save your login (critical) — stays until actually backed up ── */}
+        {user && !backupConfirmed && (
+          <Link to="/settings?section=security" className="block mb-8 group">
+            <div className="flex items-center gap-4 p-4 rounded-2xl bg-amber-500/10 border border-amber-500/30 hover:bg-amber-500/15 hover:border-amber-500/45 transition-all">
+              <div className="relative flex-shrink-0">
+                <div className="w-9 h-9 rounded-full bg-amber-500/20 flex items-center justify-center">
+                  <Key className="h-4 w-4 text-amber-400" />
+                </div>
+                <span className="absolute -top-0.5 -right-0.5 w-3 h-3 rounded-full bg-amber-500 border-2 border-black animate-pulse motion-reduce:animate-none" />
+              </div>
+              <div className="flex-1 min-w-0">
+                <p className="font-bold text-amber-300 text-sm">Save your login — do this now</p>
+                <p className="text-xs text-amber-100/70 leading-snug mt-0.5">
+                  It's the only way back into your account. Lose it and there's no reset — no email, no password recovery.
+                </p>
+              </div>
+              <div className="flex-shrink-0 flex items-center gap-1.5 rounded-full bg-amber-500 px-3 py-1.5 text-[11px] font-black uppercase tracking-wide text-black group-hover:bg-amber-400 transition-colors">
+                <Download className="h-3.5 w-3.5" />
+                Save
+              </div>
+            </div>
+          </Link>
+        )}
+
+        {/* ── Login saved confirmation ── */}
+        {user && backupConfirmed && (
+          <div className="flex items-center gap-3 p-3 rounded-2xl bg-green-500/6 border border-green-500/20 mb-8">
+            <CheckCircle2 className="h-4 w-4 text-green-400 flex-shrink-0" />
+            <p className="text-xs text-green-400/90 font-medium">Login saved — your account is safe to recover.</p>
+          </div>
+        )}
+
         <div className="space-y-6">
 
           {/* ── Why skaters care ── */}
@@ -347,9 +425,9 @@ export default function OnboardingPage() {
             <p className="text-[11px] text-gray-600 text-center mt-3">💡 $5 of Bitcoin = hundreds of zaps to spread across the community</p>
           </section>
 
-          {/* ── FAQ ── */}
+          {/* ── FAQ (collapsed by default to keep the page light) ── */}
           <section>
-            <h2 className="text-xs font-black uppercase tracking-widest text-gray-600 mb-4">Common questions</h2>
+            <CollapsibleSection title="Common questions">
             <div className="space-y-2">
               <FAQ
                 q="Is SkateSpots free?"
@@ -408,6 +486,7 @@ export default function OnboardingPage() {
                 }
               />
             </div>
+            </CollapsibleSection>
           </section>
 
           {/* ── Final CTA ── */}