pull down to refresh

I agree that it introduces friction, but in my mind this is the "okay" kind of friction.
The first thing that comes to mind is that I might not know how to find the API details for an exchange I want to use. That little Learn more bit is going to be useful. Especially if it takes me to some docs that show exactly where I can find the API details.
Yep, I'm even thinking of showing a page - before you get to this page - showing and describing how to get your API details, you can dismiss the screen if you know how to get the details or follow the instructions.
I think the friction is OK too but I'm aware that if the user can't get their API details, the app has limited use so I have to nail this.
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