diff --git a/tests/e2e/send-flow.spec.ts b/tests/e2e/send-flow.spec.ts
new file mode 100644
index 0000000..4b3b46d
--- /dev/null
+++ b/tests/e2e/send-flow.spec.ts
@@ -0,0 +1,294 @@
+import { test, expect } from '@playwright/test';
+
+/**
+ * Send Money Wizard End-to-End Tests
+ * 
+ * Tests verify the complete three-step Send flow:
+ * - Step 1: Recipient address with checksum validation gating
+ * - Step 2: Amount and currency selection
+ * - Step 3: Review and confirmation
+ * - Final: Transaction success receipt
+ * 
+ * Key assertions:
+ * - Continue button disabled until valid Stellar address
+ * - Progress indicator updates (1 → 2 → 3)
+ * - Receipt renders with correct amount/currency after confirm
+ */
+
+// Known valid Stellar public key (passes checksum validation)
+const VALID_STELLAR_ADDRESS = 'GAFAMILYXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX';
+const INVALID_ADDRESS_SHORT = 'GABC123';
+const INVALID_ADDRESS_WRONG_PREFIX = 'MAFAMILYXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX';
+const TEST_AMOUNT = '100';
+const TEST_CURRENCY = 'USDC';
+
+test.describe('Send Money Wizard Flow', () => {
+  test.beforeEach(async ({ page }) => {
+    await page.goto('/send');
+    await page.waitForLoadState('networkidle');
+  });
+
+  test('Step 1 - Continue button disabled until valid address', async ({ page }) => {
+    // Locate the recipient address input
+    const addressInput = page.getByLabel(/recipient address/i);
+    const continueButton = page.getByRole('button', { name: /continue to amount/i });
+
+    // Initially, continue button should be disabled
+    await expect(continueButton).toBeDisabled();
+
+    // Enter invalid address (too short)
+    await addressInput.fill(INVALID_ADDRESS_SHORT);
+    await expect(continueButton).toBeDisabled();
+
+    // Enter invalid address (wrong prefix)
+    await addressInput.fill(INVALID_ADDRESS_WRONG_PREFIX);
+    await expect(continueButton).toBeDisabled();
+
+    // Enter valid Stellar address
+    await addressInput.fill(VALID_STELLAR_ADDRESS);
+    
+    // Wait for validation to complete
+    await page.waitForTimeout(100);
+    
+    // Continue button should now be enabled
+    await expect(continueButton).toBeEnabled();
+  });
+
+  test('Step 1 - Address validation shows correct feedback', async ({ page }) => {
+    const addressInput = page.getByLabel(/recipient address/i);
+    
+    // Enter invalid address
+    await addressInput.fill(INVALID_ADDRESS_SHORT);
+    
+    // Check for error message
+    const errorMessage = page.getByText(/must be 56 characters/i);
+    await expect(errorMessage).toBeVisible();
+
+    // Enter valid address
+    await addressInput.fill(VALID_STELLAR_ADDRESS);
+    await page.waitForTimeout(100);
+
+    // Check for success message
+    const successMessage = page.getByText(/checksum verified/i);
+    await expect(successMessage).toBeVisible();
+  });
+
+  test('Step 1 - Recent recipients populates address', async ({ page }) => {
+    const continueButton = page.getByRole('button', { name: /continue to amount/i });
+    
+    // Click on a recent recipient
+    await page.getByRole('button', { name: 'Family' }).click();
+    
+    // Continue button should be enabled
+    await expect(continueButton).toBeEnabled();
+    
+    // Address should be populated
+    const addressInput = page.getByLabel(/recipient address/i);
+    await expect(addressInput).toHaveValue(VALID_STELLAR_ADDRESS);
+  });
+
+  test('Complete wizard flow - recipient to receipt', async ({ page }) => {
+    // Step 1: Recipient Address
+    const addressInput = page.getByLabel(/recipient address/i);
+    await addressInput.fill(VALID_STELLAR_ADDRESS);
+    await page.waitForTimeout(100);
+
+    // Verify step 1 progress indicator is active
+    const step1Indicator = page.getByText('Recipient').locator('..').locator('div').first();
+    await expect(step1Indicator).toHaveClass(/bg-red-600/);
+
+    // Click Continue to Amount
+    const continueButton = page.getByRole('button', { name: /continue to amount/i });
+    await continueButton.click();
+
+    // Step 2: Amount and Currency
+    // Verify step 2 progress indicator is now active
+    const step2Indicator = page.getByText('Amount').locator('..').locator('div').first();
+    await expect(step2Indicator).toHaveClass(/bg-red-600/);
+
+    // Enter amount
+    const amountInput = page.getByLabel(/amount \(usd\)/i);
+    await amountInput.fill(TEST_AMOUNT);
+
+    // Verify currency dropdown exists and select USDC
+    const currencySelect = page.getByRole('combobox');
+    await expect(currencySelect).toBeVisible();
+    await currencySelect.selectOption(TEST_CURRENCY);
+
+    // Click Review Transaction
+    const reviewButton = page.getByRole('button', { name: /review transaction/i });
+    await reviewButton.click();
+
+    // Step 3: Review
+    // Verify step 3 progress indicator is now active
+    const step3Indicator = page.getByText('Review').locator('..').locator('div').first();
+    await expect(step3Indicator).toHaveClass(/bg-red-600/);
+
+    // Verify review step shows correct recipient and amount
+    await expect(page.getByText(VALID_STELLAR_ADDRESS)).toBeVisible();
+    await expect(page.getByText(TEST_AMOUNT)).toBeVisible();
+    await expect(page.getByText(TEST_CURRENCY)).toBeVisible();
+
+    // Click Confirm & Send
+    const confirmButton = page.getByRole('button', { name: /confirm & send remittance/i });
+    await confirmButton.click();
+
+    // Verify Transaction Success Receipt appears
+    await expect(page.getByText(/transaction successful/i)).toBeVisible();
+    await expect(page.getByText(TEST_AMOUNT)).toBeVisible();
+    await expect(page.getByText(TEST_CURRENCY)).toBeVisible();
+  });
+
+  test('Back navigation - Amount to Recipient', async ({ page }) => {
+    // Complete step 1
+    const addressInput = page.getByLabel(/recipient address/i);
+    await addressInput.fill(VALID_STELLAR_ADDRESS);
+    await page.waitForTimeout(100);
+
+    const continueButton = page.getByRole('button', { name: /continue to amount/i });
+    await continueButton.click();
+
+    // Verify we're on amount step
+    await expect(page.getByLabel(/amount \(usd\)/i)).toBeVisible();
+
+    // Click Back to Recipient
+    const backButton = page.getByRole('button', { name: /back to recipient/i });
+    await backButton.click();
+
+    // Verify we're back on recipient step
+    await expect(addressInput).toBeVisible();
+    await expect(addressInput).toHaveValue(VALID_STELLAR_ADDRESS);
+  });
+
+  test('Back navigation - Review to Amount', async ({ page }) => {
+    // Complete steps 1 and 2
+    const addressInput = page.getByLabel(/recipient address/i);
+    await addressInput.fill(VALID_STELLAR_ADDRESS);
+    await page.waitForTimeout(100);
+
+    await page.getByRole('button', { name: /continue to amount/i }).click();
+
+    const amountInput = page.getByLabel(/amount \(usd\)/i);
+    await amountInput.fill(TEST_AMOUNT);
+
+    await page.getByRole('button', { name: /review transaction/i }).click();
+
+    // Verify we're on review step
+    await expect(page.getByRole('button', { name: /confirm & send remittance/i })).toBeVisible();
+
+    // Click Back to Amount
+    const backButton = page.getByRole('button', { name: /back to amount/i });
+    await backButton.click();
+
+    // Verify we're back on amount step
+    await expect(amountInput).toBeVisible();
+    await expect(amountInput).toHaveValue(TEST_AMOUNT);
+  });
+
+  test('Amount validation - minimum and maximum limits', async ({ page }) => {
+    // Complete step 1
+    const addressInput = page.getByLabel(/recipient address/i);
+    await addressInput.fill(VALID_STELLAR_ADDRESS);
+    await page.waitForTimeout(100);
+
+    await page.getByRole('button', { name: /continue to amount/i }).click();
+
+    const amountInput = page.getByLabel(/amount \(usd\)/i);
+    const reviewButton = page.getByRole('button', { name: /review transaction/i });
+
+    // Test minimum amount
+    await amountInput.fill('0.50');
+    await expect(page.getByText(/minimum amount is \$1/i)).toBeVisible();
+    await expect(reviewButton).toBeDisabled();
+
+    // Test maximum amount
+    await amountInput.fill('15000');
+    await expect(page.getByText(/maximum amount is \$10,000/i)).toBeVisible();
+    await expect(reviewButton).toBeDisabled();
+
+    // Test valid amount
+    await amountInput.fill(TEST_AMOUNT);
+    await expect(reviewButton).toBeEnabled();
+  });
+
+  test('Progress indicator transitions through all steps', async ({ page }) => {
+    // Step 1: Verify initial state
+    const step1Circle = page.locator('div').filter({ hasText: '1' }).first();
+    const step2Circle = page.locator('div').filter({ hasText: '2' }).first();
+    const step3Circle = page.locator('div').filter({ hasText: '3' }).first();
+
+    // Step 1 active, others inactive
+    await expect(step1Circle).toHaveClass(/bg-red-600/);
+    await expect(step2Circle).not.toHaveClass(/bg-red-600/);
+    await expect(step3Circle).not.toHaveClass(/bg-red-600/);
+
+    // Move to step 2
+    const addressInput = page.getByLabel(/recipient address/i);
+    await addressInput.fill(VALID_STELLAR_ADDRESS);
+    await page.waitForTimeout(100);
+    await page.getByRole('button', { name: /continue to amount/i }).click();
+
+    // Step 2 active, step 1 completed, step 3 inactive
+    await expect(step1Circle).not.toHaveClass(/bg-red-600/);
+    await expect(step2Circle).toHaveClass(/bg-red-600/);
+    await expect(step3Circle).not.toHaveClass(/bg-red-600/);
+
+    // Move to step 3
+    const amountInput = page.getByLabel(/amount \(usd\)/i);
+    await amountInput.fill(TEST_AMOUNT);
+    await page.getByRole('button', { name: /review transaction/i }).click();
+
+    // Step 3 active, steps 1 and 2 completed
+    await expect(step1Circle).not.toHaveClass(/bg-red-600/);
+    await expect(step2Circle).not.toHaveClass(/bg-red-600/);
+    await expect(step3Circle).toHaveClass(/bg-red-600/);
+  });
+
+  test('Receipt displays transaction details after confirmation', async ({ page }) => {
+    // Complete the full flow
+    const addressInput = page.getByLabel(/recipient address/i);
+    await addressInput.fill(VALID_STELLAR_ADDRESS);
+    await page.waitForTimeout(100);
+    await page.getByRole('button', { name: /continue to amount/i }).click();
+
+    const amountInput = page.getByLabel(/amount \(usd\)/i);
+    await amountInput.fill(TEST_AMOUNT);
+    await page.getByRole('button', { name: /review transaction/i }).click();
+
+    await page.getByRole('button', { name: /confirm & send remittance/i }).click();
+
+    // Wait for receipt to appear
+    await page.waitForTimeout(500);
+
+    // Verify receipt contains key information
+    await expect(page.getByText(/transaction successful/i)).toBeVisible();
+    await expect(page.getByText(TEST_AMOUNT)).toBeVisible();
+    await expect(page.getByText(TEST_CURRENCY)).toBeVisible();
+    await expect(page.getByText(VALID_STELLAR_ADDRESS)).toBeVisible();
+  });
+
+  test('Currency selection persists through flow', async ({ page }) => {
+    // Complete step 1
+    const addressInput = page.getByLabel(/recipient address/i);
+    await addressInput.fill(VALID_STELLAR_ADDRESS);
+    await page.waitForTimeout(100);
+    await page.getByRole('button', { name: /continue to amount/i }).click();
+
+    // Select XLM
+    const currencySelect = page.getByRole('combobox');
+    await currencySelect.selectOption('XLM');
+
+    const amountInput = page.getByLabel(/amount \(usd\)/i);
+    await amountInput.fill(TEST_AMOUNT);
+    await page.getByRole('button', { name: /review transaction/i }).click();
+
+    // Verify currency is shown in review
+    await expect(page.getByText('XLM')).toBeVisible();
+
+    // Confirm and check receipt
+    await page.getByRole('button', { name: /confirm & send remittance/i }).click();
+    await page.waitForTimeout(500);
+
+    await expect(page.getByText('XLM')).toBeVisible();
+  });
+});