I like it blank personally. I don’t usually include a comment and would have to delete it every time.
I do think there should be something right below or above the amount at the top (the big numbers) that says “Tap to edit”. It isn’t immediately clear that you can edit it.
Agreed. Blank is good (or the option to add one under settings).
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What I figured is that we can persist the written message as specific to the selected amount that was zapped earlier, and display it there. Any amendments would cause to persist that message again for that amount