A near-field wireless device , comprising: a stack of layers distributed along a first axis; a first near-field antenna having a conductive surface and embedded in a first layer within the stack of layers; wherein the conductive surface is configured to carry non-propagating quasi-static near-field electric-induction signals for on-body near-field communications; a second near-field antenna having an inductive loop and embedded in a second layer within the stack of layers; wherein the inductive loop is configured to carry non-propagating quasi-static near-field magnetic-induction signals for off-body near-field communications; wherein the first and second layers are different layers; and wherein the first and second near-field antennas are not in galvanic contact; a substrate embedded in a third layer within the stack of layers; wherein the conductive surface of the first near-field antenna is on one side of the substrate; and wherein the inductive loop of the second near-field antenna is on a side opposite to the one side of the substrate; wherein the substrate has a permeability larger than ambient air ; and the first near-field antenna further includes an inductive loop configured to carry non-propagating quasi-static near-field magnetic-induction signals for on-body near-field communications; and wherein the substrate is configured to attenuate the near-field magnetic-induction signals generated by the second near-field antenna during off-body communications from interfering with near-field magnetic-induction signals received by the first near-field antenna during on-body communications. a stack of layers distributed along a first axis; a first near-field antenna having a conductive surface and embedded in a first layer within the stack of layers; wherein the conductive surface is configured to carry non-propagating quasi-static near-field electric-induction signals for on-body near-field communications; a second near-field antenna having an inductive loop and embedded in a second layer within the stack of layers; wherein the inductive loop is configured to carry non-propagating quasi-static near-field magnetic-induction signals for off-body near-field communications; wherein the first and second layers are different layers; and wherein the first and second near-field antennas are not in galvanic contact; a substrate embedded in a third layer within the stack of layers; wherein the conductive surface of the first near-field antenna is on one side of the substrate; and wherein the inductive loop of the second near-field antenna is on a side opposite to the one side of the substrate; wherein the substrate has a permeability larger than ambient air ; and the first near-field antenna further includes an inductive loop configured to carry non-propagating quasi-static near-field magnetic-induction signals for on-body near-field communications; and wherein the substrate is configured to attenuate the near-field magnetic-induction signals generated by the second near-field antenna during off-body communications from interfering with near-field magnetic-induction signals received by the first near-field antenna during on-body communications. <EOS>