If you only want to carry one thing this is IT!  The downtown wallet lets you leave the purse at home!  The removable wrist strap makes carrying easier when you need it and clips off when you don’t.  
Store cash and cards in the folding snapped compartment.   Stash your phone, change, tickets and more in the zippered compartment.   For even more utility, clip your keys to the wrist strap clip!