diff --git a/frontend/mobile/app/_layout.tsx b/frontend/mobile/app/_layout.tsx
index f038e313..83806b9b 100644
--- a/frontend/mobile/app/_layout.tsx
+++ b/frontend/mobile/app/_layout.tsx
@@ -10,6 +10,7 @@ import { StyleSheet } from 'react-native';
 
 import { fontAssets } from '../theme/typography';
 import { useTheme } from '../hooks/useTheme';
+import { useInactivityLock } from '../hooks/useInactivityLock';
 import { ConnectivityProvider, useConnectivity } from '../lib/connectivity';
 import { hydrateNetwork } from '../lib/network';
 import { hydrateLockSettings } from '../lib/appLock';
@@ -54,6 +55,7 @@ export default function RootLayout() {
         <BottomSheetModalProvider>
           <ConnectivityProvider>
             <ConnectivityGate />
+            <InactivityLockGate />
             <Stack
               screenOptions={{
                 headerShown: false,
@@ -77,6 +79,15 @@ const styles = StyleSheet.create({
   root: { flex: 1 },
 });
 
+/**
+ * Arms the inactivity/background auto-lock. Rendered as a sibling of the
+ * navigator, like {@link ConnectivityGate}, so the hook can use the router.
+ */
+function InactivityLockGate() {
+  useInactivityLock();
+  return null;
+}
+
 /**
  * Pushes the offline screen when connectivity drops and pops it again when it
  * returns, so the route the user was on is preserved underneath. Rendered as a
diff --git a/frontend/mobile/app/lock.tsx b/frontend/mobile/app/lock.tsx
index 7644f15a..04dab353 100644
--- a/frontend/mobile/app/lock.tsx
+++ b/frontend/mobile/app/lock.tsx
@@ -1,52 +1,148 @@
-import { ScreenScaffold, ComingSoonBadge, colors } from '@/components/ScreenScaffold';
-import { View, Text, StyleSheet } from 'react-native';
+import { useCallback, useEffect, useMemo, useState } from 'react';
+import { ActivityIndicator, Pressable, StyleSheet, Text, View } from 'react-native';
+import * as LocalAuthentication from 'expo-local-authentication';
+import { useRouter } from 'expo-router';
+
+import { useTheme } from '../hooks/useTheme';
+import type { ThemeColors } from '../lib/theme';
+
+/**
+ * Lock screen — the native port of the web wallet's `app/lock/page.tsx`.
+ *
+ * The wallet reaches here after an inactivity timeout or on returning from the
+ * background (see `hooks/useInactivityLock.ts`). Unlocking requires a real
+ * device biometric via `expo-local-authentication`
+ * (`authenticateAsync` prompts Face ID / fingerprint, falling back to the device
+ * passcode); on success we return to the dashboard.
+ */
+export default function LockScreen() {
+  const { colors } = useTheme();
+  const styles = useMemo(() => createStyles(colors), [colors]);
+  const router = useRouter();
+
+  const [isUnlocking, setIsUnlocking] = useState(false);
+  const [error, setError] = useState<string | null>(null);
+
+  const handleUnlock = useCallback(async () => {
+    setError(null);
+    setIsUnlocking(true);
+    try {
+      const hasHardware = await LocalAuthentication.hasHardwareAsync();
+      const isEnrolled = await LocalAuthentication.isEnrolledAsync();
+      if (!hasHardware || !isEnrolled) {
+        setError('No biometric or device passcode is set up. Add one in system settings.');
+        return;
+      }
+
+      const result = await LocalAuthentication.authenticateAsync({
+        promptMessage: 'Unlock Veil',
+        cancelLabel: 'Cancel',
+        // Allow the device passcode when biometrics fail, matching OS behaviour.
+        disableDeviceFallback: false,
+      });
+
+      if (result.success) {
+        router.replace('/');
+        return;
+      }
+      setError('Unlock failed. Please try again.');
+    } catch {
+      setError('Unlock failed. Please try again.');
+    } finally {
+      setIsUnlocking(false);
+    }
+  }, [router]);
+
+  // Prompt immediately on arrival so the user isn't stranded on a dead screen.
+  useEffect(() => {
+    void handleUnlock();
+  }, [handleUnlock]);
 
-export default function LockRoute() {
   return (
-    <ScreenScaffold
-      eyebrow="Locked"
-      title="Unlock Veil"
-      description="Authenticate with your device passkey to continue."
-      backHref="/"
-      backLabel="Home"
-    >
-      <View style={styles.lockCircle}>
-        <Text style={styles.lockGlyph}>◉</Text>
+    <View style={styles.container}>
+      <View style={styles.iconCircle}>
+        <Text style={styles.iconGlyph}>🔒</Text>
       </View>
-      <View style={styles.card}>
-        <Text style={styles.cardTitle}>Why we lock</Text>
-        <Text style={styles.cardText}>
-          Wallet signs automatically lock when the app is backgrounded or after extended inactivity.
-          Approve the passkey prompt to resume your session.
-        </Text>
+
+      <View style={styles.copy}>
+        <Text style={styles.title}>Wallet locked</Text>
+        <Text style={styles.subtitle}>Unlock with your biometric to continue.</Text>
       </View>
-      <ComingSoonBadge note="Passkey prompt wiring lands in the lock-screen issue" />
-    </ScreenScaffold>
+
+      {error && <Text style={styles.error}>{error}</Text>}
+
+      <Pressable
+        accessibilityRole="button"
+        onPress={handleUnlock}
+        disabled={isUnlocking}
+        style={({ pressed }) => [styles.button, (pressed || isUnlocking) && styles.buttonPressed]}
+      >
+        {isUnlocking ? (
+          <ActivityIndicator color={colors.onAccent} />
+        ) : (
+          <Text style={styles.buttonLabel}>Unlock</Text>
+        )}
+      </Pressable>
+    </View>
   );
 }
 
-const styles = StyleSheet.create({
-  lockCircle: {
-    alignSelf: 'center',
-    width: 96,
-    height: 96,
-    borderRadius: 48,
-    backgroundColor: colors.surface,
-    borderColor: colors.gold,
-    borderWidth: 2,
-    alignItems: 'center',
-    justifyContent: 'center',
-    marginTop: 4,
-  },
-  lockGlyph: { color: colors.gold, fontSize: 38, lineHeight: 40 },
-  card: {
-    padding: 18,
-    backgroundColor: colors.surface,
-    borderRadius: 14,
-    borderWidth: StyleSheet.hairlineWidth,
-    borderColor: colors.border,
-    gap: 8,
-  },
-  cardTitle: { color: colors.gold, fontSize: 12, fontWeight: '700', letterSpacing: 1.4, textTransform: 'uppercase' },
-  cardText: { color: colors.offWhite, fontSize: 14, lineHeight: 20 },
-});
+const createStyles = (colors: ThemeColors) =>
+  StyleSheet.create({
+    container: {
+      flex: 1,
+      alignItems: 'center',
+      justifyContent: 'center',
+      backgroundColor: colors.background,
+      padding: 32,
+      gap: 28,
+    },
+    iconCircle: {
+      width: 72,
+      height: 72,
+      borderRadius: 36,
+      backgroundColor: colors.surface,
+      borderWidth: 1,
+      borderColor: colors.border,
+      alignItems: 'center',
+      justifyContent: 'center',
+    },
+    iconGlyph: {
+      fontSize: 30,
+    },
+    copy: {
+      alignItems: 'center',
+      gap: 6,
+    },
+    title: {
+      color: colors.textStrong,
+      fontSize: 22,
+      fontWeight: '700',
+    },
+    subtitle: {
+      color: colors.textSecondary,
+      fontSize: 15,
+      textAlign: 'center',
+    },
+    error: {
+      color: colors.danger,
+      fontSize: 14,
+      textAlign: 'center',
+    },
+    button: {
+      alignSelf: 'stretch',
+      maxWidth: 320,
+      backgroundColor: colors.accent,
+      borderRadius: 999,
+      paddingVertical: 14,
+      alignItems: 'center',
+    },
+    buttonPressed: {
+      opacity: 0.75,
+    },
+    buttonLabel: {
+      color: colors.onAccent,
+      fontSize: 16,
+      fontWeight: '700',
+    },
+  });
diff --git a/frontend/mobile/hooks/useInactivityLock.ts b/frontend/mobile/hooks/useInactivityLock.ts
new file mode 100644
index 00000000..3a34ed55
--- /dev/null
+++ b/frontend/mobile/hooks/useInactivityLock.ts
@@ -0,0 +1,45 @@
+import { useEffect } from 'react';
+import { AppState } from 'react-native';
+import { useRouter, useSegments } from 'expo-router';
+
+import { createIdleWatcher } from '../lib/appLock';
+
+/**
+ * Locks the wallet after inactivity or when the app is backgrounded, so a lost
+ * or borrowed phone doesn't expose funds.
+ *
+ * The countdown lives in `lib/appLock.ts`; this hook wires it to React Native's
+ * `AppState` and expo-router. Sending the app to the background locks it
+ * immediately; returning to the foreground restarts the idle countdown. Either
+ * trigger routes to `/lock`, which re-prompts a biometric. It re-arms itself off
+ * the current route so it never fights the lock screen it just pushed.
+ *
+ * Mount once at the app root (alongside the connectivity gate in `_layout.tsx`).
+ */
+export function useInactivityLock(): void {
+  const router = useRouter();
+  const segments = useSegments();
+  const onLockRoute = segments[0] === 'lock';
+
+  useEffect(() => {
+    // Already locked — don't re-arm on top of the lock screen.
+    if (onLockRoute) return;
+
+    const lock = () => router.replace('/lock');
+    const watcher = createIdleWatcher({ onLock: lock });
+    watcher.start();
+
+    const subscription = AppState.addEventListener('change', (state) => {
+      if (state === 'background') {
+        // Backgrounded: lock now so returning requires a biometric.
+        watcher.stop();
+        lock();
+      }
+    });
+
+    return () => {
+      watcher.stop();
+      subscription.remove();
+    };
+  }, [router, onLockRoute]);
+}
diff --git a/frontend/mobile/package-lock.json b/frontend/mobile/package-lock.json
index 0abe92a8..d0d5159d 100644
--- a/frontend/mobile/package-lock.json
+++ b/frontend/mobile/package-lock.json
@@ -35,6 +35,7 @@
         "expo-file-system": "~57.0.1",
         "expo-font": "~57.0.1",
         "expo-linking": "~57.0.4",
+        "expo-local-authentication": "~57.0.2",
         "expo-router": "~57.0.8",
         "expo-secure-store": "~57.0.1",
         "expo-sharing": "~57.0.7",
@@ -1512,35 +1513,38 @@
       }
     },
     "node_modules/@emnapi/core": {
-      "version": "1.10.0",
-      "resolved": "https://registry.npmjs.org/@emnapi/core/-/core-1.10.0.tgz",
-      "integrity": "sha512-yq6OkJ4p82CAfPl0u9mQebQHKPJkY7WrIuk205cTYnYe+k2Z8YBh11FrbRG/H6ihirqcacOgl2BIO8oyMQLeXw==",
+      "version": "1.11.3",
+      "resolved": "https://registry.npmjs.org/@emnapi/core/-/core-1.11.3.tgz",
+      "integrity": "sha512-zLpS5asjEb7lq8jYLq37N6XKaE41DIexlY1rF/z4/tIl3wo13Sqm28fRyfIsKZD+NZ8mM5RoKkpW/rBcuoSZSg==",
       "dev": true,
       "license": "MIT",
       "optional": true,
+      "peer": true,
       "dependencies": {
-        "@emnapi/wasi-threads": "1.2.1",
+        "@emnapi/wasi-threads": "1.2.3",
         "tslib": "^2.4.0"
       }
     },
     "node_modules/@emnapi/runtime": {
-      "version": "1.10.0",
-      "resolved": "https://registry.npmjs.org/@emnapi/runtime/-/runtime-1.10.0.tgz",
-      "integrity": "sha512-ewvYlk86xUoGI0zQRNq/mC+16R1QeDlKQy21Ki3oSYXNgLb45GV1P6A0M+/s6nyCuNDqe5VpaY84BzXGwVbwFA==",
+      "version": "1.11.3",
+      "resolved": "https://registry.npmjs.org/@emnapi/runtime/-/runtime-1.11.3.tgz",
+      "integrity": "sha512-Xz4Tpyki7XyrpbUK1jR1AhdAdaXyhhY4lZ3neLodmhpuWfy2PAQN5B46sAiU4liOXGLkHypn/qU+jvfWSCYYLA==",
       "dev": true,
       "license": "MIT",
       "optional": true,
+      "peer": true,
       "dependencies": {
         "tslib": "^2.4.0"
       }
     },
     "node_modules/@emnapi/wasi-threads": {
-      "version": "1.2.1",
-      "resolved": "https://registry.npmjs.org/@emnapi/wasi-threads/-/wasi-threads-1.2.1.tgz",
-      "integrity": "sha512-uTII7OYF+/Mes/MrcIOYp5yOtSMLBWSIoLPpcgwipoiKbli6k322tcoFsxoIIxPDqW01SQGAgko4EzZi2BNv2w==",
+      "version": "1.2.3",
+      "resolved": "https://registry.npmjs.org/@emnapi/wasi-threads/-/wasi-threads-1.2.3.tgz",
+      "integrity": "sha512-ELEBe8PsLvvJ6QMr0zLt8ffvOHW/dc1m3CEzNMg7aJUv3bMaoDtw2TXyDAwkYBuroxxuHEwhRTLJSe5sya547g==",
       "dev": true,
       "license": "MIT",
       "optional": true,
+      "peer": true,
       "dependencies": {
         "tslib": "^2.4.0"
       }
@@ -5188,6 +5192,40 @@
         "node": ">=14.0.0"
       }
     },
+    "node_modules/@unrs/resolver-binding-wasm32-wasi/node_modules/@emnapi/core": {
+      "version": "1.10.0",
+      "resolved": "https://registry.npmjs.org/@emnapi/core/-/core-1.10.0.tgz",
+      "integrity": "sha512-yq6OkJ4p82CAfPl0u9mQebQHKPJkY7WrIuk205cTYnYe+k2Z8YBh11FrbRG/H6ihirqcacOgl2BIO8oyMQLeXw==",
+      "dev": true,
+      "license": "MIT",
+      "optional": true,
+      "dependencies": {
+        "@emnapi/wasi-threads": "1.2.1",
+        "tslib": "^2.4.0"
+      }
+    },
+    "node_modules/@unrs/resolver-binding-wasm32-wasi/node_modules/@emnapi/runtime": {
+      "version": "1.10.0",
+      "resolved": "https://registry.npmjs.org/@emnapi/runtime/-/runtime-1.10.0.tgz",
+      "integrity": "sha512-ewvYlk86xUoGI0zQRNq/mC+16R1QeDlKQy21Ki3oSYXNgLb45GV1P6A0M+/s6nyCuNDqe5VpaY84BzXGwVbwFA==",
+      "dev": true,
+      "license": "MIT",
+      "optional": true,
+      "dependencies": {
+        "tslib": "^2.4.0"
+      }
+    },
+    "node_modules/@unrs/resolver-binding-wasm32-wasi/node_modules/@emnapi/wasi-threads": {
+      "version": "1.2.1",
+      "resolved": "https://registry.npmjs.org/@emnapi/wasi-threads/-/wasi-threads-1.2.1.tgz",
+      "integrity": "sha512-uTII7OYF+/Mes/MrcIOYp5yOtSMLBWSIoLPpcgwipoiKbli6k322tcoFsxoIIxPDqW01SQGAgko4EzZi2BNv2w==",
+      "dev": true,
+      "license": "MIT",
+      "optional": true,
+      "dependencies": {
+        "tslib": "^2.4.0"
+      }
+    },
     "node_modules/@unrs/resolver-binding-win32-arm64-msvc": {
       "version": "1.12.2",
       "resolved": "https://registry.npmjs.org/@unrs/resolver-binding-win32-arm64-msvc/-/resolver-binding-win32-arm64-msvc-1.12.2.tgz",
@@ -9330,6 +9368,18 @@
       "integrity": "sha512-24e6ynE2H+OKt4kqsOvNd8kBpV65zoxbA4BVsEOB3ARVWQki/DHzaUoC5KuON/BiccDaCCTZBuOcfZs70kR8bQ==",
       "license": "MIT"
     },
+    "node_modules/expo-local-authentication": {
+      "version": "57.0.2",
+      "resolved": "https://registry.npmjs.org/expo-local-authentication/-/expo-local-authentication-57.0.2.tgz",
+      "integrity": "sha512-8K4zcrQ5wZkRS1rwEWY8qHbeGVMNh35e9D1VTVKlMHz1O47itW+pW6iBVuqwGFLozN4fRBeEDQH8hu9Gt58YuQ==",
+      "license": "MIT",
+      "dependencies": {
+        "invariant": "^2.2.4"
+      },
+      "peerDependencies": {
+        "expo": "*"
+      }
+    },
     "node_modules/expo-manifests": {
       "version": "57.0.1",
       "resolved": "https://registry.npmjs.org/expo-manifests/-/expo-manifests-57.0.1.tgz",
diff --git a/frontend/mobile/package.json b/frontend/mobile/package.json
index 7016dc66..7f3e9f16 100644
--- a/frontend/mobile/package.json
+++ b/frontend/mobile/package.json
@@ -45,6 +45,7 @@
     "expo-file-system": "~57.0.1",
     "expo-font": "~57.0.1",
     "expo-linking": "~57.0.4",
+    "expo-local-authentication": "~57.0.2",
     "expo-router": "~57.0.8",
     "expo-secure-store": "~57.0.1",
     "expo-sharing": "~57.0.7",