@burdenoff/microfe-billing 2026.515.1 → 2026.515.3

package/dist/billing/BillingUserRoutes.js

@@ -341,7 +341,7 @@ function W() {
 			path: "credits/withdraw",
 			element: /* @__PURE__ */ m(H, {
 				title: "Credit withdrawal",
-				featureFlag: "billing.credits.withdrawals",
+				featureFlag: "billing.credits",
 				permission: "canWithdrawCredits",
 				eventName: "billing.credit.viewed",
 				children: /* @__PURE__ */ m(a, {

package/dist/billing/BillingUserRoutes.js.map

@@ -1 +1 @@
-{"version":3,"file":"BillingUserRoutes.js","names":[],"sources":["../../src/billing/BillingUserRoutes.tsx"],"sourcesContent":["import { lazy, Suspense, useEffect, type ReactNode } from 'react';\nimport { Navigate, Route, Routes, useLocation, useNavigate } from 'react-router-dom';\nimport { FeatureGate } from '@burdenoff/fe-libs/shared/feature-flags';\nimport { AccessDenied } from './shared/components';\nimport { useBillingEventEmitter, type BillingDomainEvent } from './hooks/useBillingEventEmitter';\nimport { useBillingPermissions } from './hooks/useBillingPermissions';\nimport { useBilling } from './providers/BillingProvider';\n\n// Eager load - main entry point\nimport { OverviewPage } from './modules/dashboard';\n\n// Lazy loaded pages - Subscriptions\nconst SubscriptionsListPage = lazy(() =>\n  import('./modules/subscriptions').then((m) => ({ default: m.SubscriptionsListPage }))\n);\nconst SubscriptionDetailPage = lazy(() =>\n  import('./modules/subscriptions').then((m) => ({ default: m.SubscriptionDetailPage }))\n);\nconst UpgradeSubscriptionPage = lazy(() =>\n  import('./modules/subscriptions').then((m) => ({ default: m.UpgradeSubscriptionPage }))\n);\n\n// Lazy loaded pages - Plans (user browse pages, no create/edit/toggle)\nconst PlansBrowsePage = lazy(() =>\n  import('./modules/plans').then((m) => ({ default: m.PlansBrowsePage }))\n);\nconst PlanBrowseDetailPage = lazy(() =>\n  import('./modules/plans').then((m) => ({ default: m.PlanBrowseDetailPage }))\n);\n\n// Lazy loaded pages - Addons (user browse pages, no create/edit/toggle)\nconst AddonsBrowsePage = lazy(() =>\n  import('./modules/addons').then((m) => ({ default: m.AddonsBrowsePage }))\n);\nconst AddonBrowseDetailPage = lazy(() =>\n  import('./modules/addons').then((m) => ({ default: m.AddonBrowseDetailPage }))\n);\n\n// Lazy loaded pages - Billing (Invoices, Transactions, Payments, Refunds)\nconst InvoicesListPage = lazy(() =>\n  import('./modules/billing').then((m) => ({ default: m.InvoicesListPage }))\n);\nconst InvoiceDetailPage = lazy(() =>\n  import('./modules/billing').then((m) => ({ default: m.InvoiceDetailPage }))\n);\nconst TransactionsPage = lazy(() =>\n  import('./modules/billing').then((m) => ({ default: m.TransactionsPage }))\n);\nconst PaymentMethodsPage = lazy(() =>\n  import('./modules/billing').then((m) => ({ default: m.PaymentMethodsPage }))\n);\n\n// Lazy loaded pages - Credits\nconst CreditsPage = lazy(() =>\n  import('./modules/credits').then((m) => ({ default: m.CreditsPage }))\n);\nconst CreditTransactionsPage = lazy(() =>\n  import('./modules/credits').then((m) => ({ default: m.CreditTransactionsPage }))\n);\nconst CreditWithdrawalPage = lazy(() =>\n  import('./modules/credits').then((m) => ({ default: m.CreditWithdrawalPage }))\n);\n\n// Lazy loaded pages - Quota (consumer view only)\nconst QuotaPage = lazy(() => import('./modules/quota').then((m) => ({ default: m.QuotaPage })));\n\n// Lazy loaded pages - Usage\nconst UsagePage = lazy(() => import('./modules/usage').then((m) => ({ default: m.UsagePage })));\n\n// Lazy loaded pages - Checkout\nconst CheckoutPage = lazy(() =>\n  import('./modules/checkout').then((m) => ({ default: m.CheckoutPage }))\n);\n\n// Lazy loaded pages - Store\nconst StoreCheckoutPage = lazy(() =>\n  import('./modules/store').then((m) => ({ default: m.StoreCheckoutPage }))\n);\n\n// Lazy loaded pages - Settings\nconst SettingsPage = lazy(() =>\n  import('./modules/settings').then((m) => ({ default: m.SettingsPage }))\n);\nconst TeamPermissionsPage = lazy(() =>\n  import('./modules/settings').then((m) => ({ default: m.TeamPermissionsPage }))\n);\nconst AffiliateDashboardPage = lazy(() =>\n  import('./modules/affiliate').then((m) => ({ default: m.AffiliateDashboardPage }))\n);\nconst EarningsPage = lazy(() =>\n  import('./modules/earnings').then((m) => ({ default: m.EarningsPage }))\n);\nconst PayoutsPage = lazy(() =>\n  import('./modules/earnings').then((m) => ({ default: m.PayoutsPage }))\n);\n\nfunction PageLoader() {\n  return (\n    <div className=\"flex min-h-[400px] items-center justify-center\">\n      <div className=\"h-8 w-8 animate-spin rounded-full border-4 border-primary border-t-transparent\" />\n    </div>\n  );\n}\n\nfunction DefaultRedirect() {\n  const { basePath } = useBilling();\n  const { search } = useLocation();\n  const routerNavigate = useNavigate();\n  const base = basePath && basePath !== '/' ? basePath.replace(/\\/$/, '') : '';\n  useEffect(() => {\n    routerNavigate(`${base}/overview${search}`, { replace: true });\n  }, [base, routerNavigate, search]);\n  return null;\n}\n\ntype BillingPermissions = ReturnType<typeof useBillingPermissions>;\ntype BillingPermissionKey = Exclude<\n  {\n    [K in keyof BillingPermissions]: BillingPermissions[K] extends boolean ? K : never;\n  }[keyof BillingPermissions],\n  'isLoading'\n>;\n\ninterface BillingRouteGateProps {\n  title: string;\n  featureFlag: string;\n  permission: BillingPermissionKey;\n  eventName: BillingDomainEvent;\n  children: ReactNode;\n}\n\nfunction FeatureDisabled({ title, featureFlag }: { title: string; featureFlag: string }) {\n  return (\n    <div className=\"flex min-h-[400px] items-center justify-center p-6\">\n      <div className=\"max-w-md rounded-lg border border-border bg-card p-6 text-center shadow-sm\">\n        <h2 className=\"text-lg font-semibold text-foreground\">{title} is not enabled</h2>\n        <p className=\"mt-2 text-sm text-muted-foreground\">\n          Ask an administrator to enable the <span className=\"font-mono\">{featureFlag}</span>{' '}\n          feature flag for this organization.\n        </p>\n      </div>\n    </div>\n  );\n}\n\nfunction BillingRouteGate({\n  title,\n  featureFlag,\n  permission,\n  eventName,\n  children,\n}: BillingRouteGateProps) {\n  const permissions = useBillingPermissions();\n  const { emit } = useBillingEventEmitter();\n  const hasPermission = Boolean(permissions[permission]);\n\n  useEffect(() => {\n    if (hasPermission) {\n      emit(eventName, { source: 'BillingUserRoutes' });\n    }\n  }, [emit, eventName, hasPermission]);\n\n  if (permissions.isLoading) {\n    return <PageLoader />;\n  }\n\n  return (\n    <FeatureGate\n      flag={featureFlag}\n      defaultValue\n      fallback={<FeatureDisabled title={title} featureFlag={featureFlag} />}\n    >\n      {hasPermission ? (\n        children\n      ) : (\n        <AccessDenied message={`You don't have permission to access ${title}.`} />\n      )}\n    </FeatureGate>\n  );\n}\n\nfunction guardedPage(props: BillingRouteGateProps): ReactNode {\n  return <BillingRouteGate {...props} />;\n}\n\n/**\n * User-facing billing routes.\n * Includes overview, subscriptions, plan/addon browsing (read-only),\n * invoices, payments, credits, quota usage, checkout, and settings.\n */\nexport function BillingUserRoutes() {\n  return (\n    <Routes>\n      <Route index element={<Navigate to=\"overview\" replace />} />\n\n      {/* Dashboard */}\n      <Route\n        path=\"overview\"\n        element={guardedPage({\n          title: 'Billing overview',\n          featureFlag: 'billing.overview',\n          permission: 'canViewBillingAccount',\n          eventName: 'billing.billing_account.viewed',\n          children: <OverviewPage />,\n        })}\n      />\n\n      {/* Subscriptions */}\n      <Route\n        path=\"subscriptions\"\n        element={\n          <BillingRouteGate\n            title=\"Subscriptions\"\n            featureFlag=\"billing.subscriptions\"\n            permission=\"canViewSubscriptions\"\n            eventName=\"billing.subscription.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <SubscriptionsListPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"subscriptions/:subscriptionId\"\n        element={\n          <BillingRouteGate\n            title=\"Subscription details\"\n            featureFlag=\"billing.subscriptions\"\n            permission=\"canViewSubscriptions\"\n            eventName=\"billing.subscription.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <SubscriptionDetailPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"subscriptions/:subscriptionId/upgrade\"\n        element={\n          <BillingRouteGate\n            title=\"Subscription upgrade\"\n            featureFlag=\"billing.subscriptions.upgrade\"\n            permission=\"canCreateSubscription\"\n            eventName=\"billing.subscription.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <UpgradeSubscriptionPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Plans - user browse pages */}\n      <Route\n        path=\"plans\"\n        element={\n          <BillingRouteGate\n            title=\"Plans\"\n            featureFlag=\"billing.plans\"\n            permission=\"canViewPlans\"\n            eventName=\"billing.plan.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <PlansBrowsePage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"plans/:planId\"\n        element={\n          <BillingRouteGate\n            title=\"Plan details\"\n            featureFlag=\"billing.plans\"\n            permission=\"canViewPlans\"\n            eventName=\"billing.plan.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <PlanBrowseDetailPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Addons - user browse pages */}\n      <Route\n        path=\"addons\"\n        element={\n          <BillingRouteGate\n            title=\"Addons\"\n            featureFlag=\"billing.addons\"\n            permission=\"canViewAddons\"\n            eventName=\"billing.addon.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <AddonsBrowsePage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"addons/:addonId\"\n        element={\n          <BillingRouteGate\n            title=\"Addon details\"\n            featureFlag=\"billing.addons\"\n            permission=\"canViewAddons\"\n            eventName=\"billing.addon.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <AddonBrowseDetailPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Checkout */}\n      <Route\n        path=\"checkout\"\n        element={\n          <BillingRouteGate\n            title=\"Checkout\"\n            featureFlag=\"billing.checkout\"\n            permission=\"canProcessPayment\"\n            eventName=\"billing.checkout.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CheckoutPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"checkout/:planId\"\n        element={\n          <BillingRouteGate\n            title=\"Plan checkout\"\n            featureFlag=\"billing.checkout\"\n            permission=\"canProcessPayment\"\n            eventName=\"billing.checkout.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CheckoutPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"checkout/credits\"\n        element={\n          <BillingRouteGate\n            title=\"Credits checkout\"\n            featureFlag=\"billing.checkout.credits\"\n            permission=\"canProcessPayment\"\n            eventName=\"billing.checkout.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CheckoutPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"checkout/addon/:addonId\"\n        element={\n          <BillingRouteGate\n            title=\"Addon checkout\"\n            featureFlag=\"billing.checkout.addons\"\n            permission=\"canProcessPayment\"\n            eventName=\"billing.checkout.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CheckoutPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"checkout/addons\"\n        element={\n          <BillingRouteGate\n            title=\"Addons checkout\"\n            featureFlag=\"billing.checkout.addons\"\n            permission=\"canProcessPayment\"\n            eventName=\"billing.checkout.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CheckoutPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"checkout/store/:storeOrderId\"\n        element={\n          <BillingRouteGate\n            title=\"Store order checkout\"\n            featureFlag=\"billing.checkout.store\"\n            permission=\"canProcessPayment\"\n            eventName=\"billing.checkout.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CheckoutPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Store Checkout - Legacy */}\n      <Route\n        path=\"store/:orderId\"\n        element={\n          <BillingRouteGate\n            title=\"Store checkout\"\n            featureFlag=\"billing.checkout.store\"\n            permission=\"canProcessPayment\"\n            eventName=\"billing.checkout.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <StoreCheckoutPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Invoices */}\n      <Route\n        path=\"invoices\"\n        element={\n          <BillingRouteGate\n            title=\"Invoices\"\n            featureFlag=\"billing.invoices\"\n            permission=\"canViewInvoices\"\n            eventName=\"billing.invoice.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <InvoicesListPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"invoices/:invoiceId\"\n        element={\n          <BillingRouteGate\n            title=\"Invoice details\"\n            featureFlag=\"billing.invoices\"\n            permission=\"canViewInvoices\"\n            eventName=\"billing.invoice.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <InvoiceDetailPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Payment Methods */}\n      <Route\n        path=\"payment-methods\"\n        element={\n          <BillingRouteGate\n            title=\"Payment methods\"\n            featureFlag=\"billing.payment_methods\"\n            permission=\"canViewPaymentMethods\"\n            eventName=\"billing.payment_method.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <PaymentMethodsPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"payment-methods/add\"\n        element={\n          <BillingRouteGate\n            title=\"Add payment method\"\n            featureFlag=\"billing.payment_methods\"\n            permission=\"canManagePaymentMethods\"\n            eventName=\"billing.payment_method.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <PaymentMethodsPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Credits */}\n      <Route\n        path=\"credits\"\n        element={\n          <BillingRouteGate\n            title=\"Credits\"\n            featureFlag=\"billing.credits\"\n            permission=\"canViewCredits\"\n            eventName=\"billing.credit.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CreditsPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"credits/withdraw\"\n        element={\n          <BillingRouteGate\n            title=\"Credit withdrawal\"\n            featureFlag=\"billing.credits.withdrawals\"\n            permission=\"canWithdrawCredits\"\n            eventName=\"billing.credit.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CreditWithdrawalPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"creditTransactions/:billingAccountId\"\n        element={\n          <BillingRouteGate\n            title=\"Credit transactions\"\n            featureFlag=\"billing.credits\"\n            permission=\"canViewCredits\"\n            eventName=\"billing.credit.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CreditTransactionsPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Quota Usage (consumer view) */}\n      <Route\n        path=\"quota\"\n        element={\n          <BillingRouteGate\n            title=\"Quota\"\n            featureFlag=\"billing.quota\"\n            permission=\"canViewQuotas\"\n            eventName=\"billing.quota.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <QuotaPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Usage */}\n      <Route\n        path=\"usage\"\n        element={\n          <BillingRouteGate\n            title=\"Usage\"\n            featureFlag=\"billing.usage\"\n            permission=\"canViewUsage\"\n            eventName=\"billing.usage.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <UsagePage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      <Route\n        path=\"affiliate\"\n        element={\n          <BillingRouteGate\n            title=\"Affiliate dashboard\"\n            featureFlag=\"billing.affiliate\"\n            permission=\"canManagePaymentMethods\"\n            eventName=\"billing.affiliate.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <AffiliateDashboardPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      <Route\n        path=\"earnings\"\n        element={\n          <BillingRouteGate\n            title=\"Earnings\"\n            featureFlag=\"billing.earnings\"\n            permission=\"canViewBillingAccount\"\n            eventName=\"billing.earning.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <EarningsPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      <Route\n        path=\"payouts\"\n        element={\n          <BillingRouteGate\n            title=\"Payouts\"\n            featureFlag=\"billing.payouts\"\n            permission=\"canViewBillingAccount\"\n            eventName=\"billing.payout.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <PayoutsPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Transaction History */}\n      <Route\n        path=\"transactions/:billingAccountId\"\n        element={\n          <BillingRouteGate\n            title=\"Transactions\"\n            featureFlag=\"billing.transactions\"\n            permission=\"canViewPayments\"\n            eventName=\"billing.transaction.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <TransactionsPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Settings */}\n      <Route\n        path=\"settings\"\n        element={\n          <BillingRouteGate\n            title=\"Billing settings\"\n            featureFlag=\"billing.settings\"\n            permission=\"canManageBillingAccount\"\n            eventName=\"billing.billing_account.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <SettingsPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Team & Permissions — billing-scope role assignments.\n       * Gated on `isBillingAdmin` (billing:manage), not the broader\n       * `canManageBillingAccount` (billing:update), because role\n       * assignment is a privilege-escalation surface and the server-side\n       * RBAC contract reserves it for Billing Admins only. */}\n      <Route\n        path=\"team-permissions\"\n        element={\n          <BillingRouteGate\n            title=\"Team & Permissions\"\n            featureFlag=\"billing.team_permissions\"\n            permission=\"isBillingAdmin\"\n            eventName=\"billing.billing_account.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <TeamPermissionsPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Catch-all */}\n      <Route path=\"*\" element={<DefaultRedirect />} />\n    </Routes>\n  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+{"version":3,"file":"BillingUserRoutes.js","names":[],"sources":["../../src/billing/BillingUserRoutes.tsx"],"sourcesContent":["import { lazy, Suspense, useEffect, type ReactNode } from 'react';\nimport { Navigate, Route, Routes, useLocation, useNavigate } from 'react-router-dom';\nimport { FeatureGate } from '@burdenoff/fe-libs/shared/feature-flags';\nimport { AccessDenied } from './shared/components';\nimport { useBillingEventEmitter, type BillingDomainEvent } from './hooks/useBillingEventEmitter';\nimport { useBillingPermissions } from './hooks/useBillingPermissions';\nimport { useBilling } from './providers/BillingProvider';\n\n// Eager load - main entry point\nimport { OverviewPage } from './modules/dashboard';\n\n// Lazy loaded pages - Subscriptions\nconst SubscriptionsListPage = lazy(() =>\n  import('./modules/subscriptions').then((m) => ({ default: m.SubscriptionsListPage }))\n);\nconst SubscriptionDetailPage = lazy(() =>\n  import('./modules/subscriptions').then((m) => ({ default: m.SubscriptionDetailPage }))\n);\nconst UpgradeSubscriptionPage = lazy(() =>\n  import('./modules/subscriptions').then((m) => ({ default: m.UpgradeSubscriptionPage }))\n);\n\n// Lazy loaded pages - Plans (user browse pages, no create/edit/toggle)\nconst PlansBrowsePage = lazy(() =>\n  import('./modules/plans').then((m) => ({ default: m.PlansBrowsePage }))\n);\nconst PlanBrowseDetailPage = lazy(() =>\n  import('./modules/plans').then((m) => ({ default: m.PlanBrowseDetailPage }))\n);\n\n// Lazy loaded pages - Addons (user browse pages, no create/edit/toggle)\nconst AddonsBrowsePage = lazy(() =>\n  import('./modules/addons').then((m) => ({ default: m.AddonsBrowsePage }))\n);\nconst AddonBrowseDetailPage = lazy(() =>\n  import('./modules/addons').then((m) => ({ default: m.AddonBrowseDetailPage }))\n);\n\n// Lazy loaded pages - Billing (Invoices, Transactions, Payments, Refunds)\nconst InvoicesListPage = lazy(() =>\n  import('./modules/billing').then((m) => ({ default: m.InvoicesListPage }))\n);\nconst InvoiceDetailPage = lazy(() =>\n  import('./modules/billing').then((m) => ({ default: m.InvoiceDetailPage }))\n);\nconst TransactionsPage = lazy(() =>\n  import('./modules/billing').then((m) => ({ default: m.TransactionsPage }))\n);\nconst PaymentMethodsPage = lazy(() =>\n  import('./modules/billing').then((m) => ({ default: m.PaymentMethodsPage }))\n);\n\n// Lazy loaded pages - Credits\nconst CreditsPage = lazy(() =>\n  import('./modules/credits').then((m) => ({ default: m.CreditsPage }))\n);\nconst CreditTransactionsPage = lazy(() =>\n  import('./modules/credits').then((m) => ({ default: m.CreditTransactionsPage }))\n);\nconst CreditWithdrawalPage = lazy(() =>\n  import('./modules/credits').then((m) => ({ default: m.CreditWithdrawalPage }))\n);\n\n// Lazy loaded pages - Quota (consumer view only)\nconst QuotaPage = lazy(() => import('./modules/quota').then((m) => ({ default: m.QuotaPage })));\n\n// Lazy loaded pages - Usage\nconst UsagePage = lazy(() => import('./modules/usage').then((m) => ({ default: m.UsagePage })));\n\n// Lazy loaded pages - Checkout\nconst CheckoutPage = lazy(() =>\n  import('./modules/checkout').then((m) => ({ default: m.CheckoutPage }))\n);\n\n// Lazy loaded pages - Store\nconst StoreCheckoutPage = lazy(() =>\n  import('./modules/store').then((m) => ({ default: m.StoreCheckoutPage }))\n);\n\n// Lazy loaded pages - Settings\nconst SettingsPage = lazy(() =>\n  import('./modules/settings').then((m) => ({ default: m.SettingsPage }))\n);\nconst TeamPermissionsPage = lazy(() =>\n  import('./modules/settings').then((m) => ({ default: m.TeamPermissionsPage }))\n);\nconst AffiliateDashboardPage = lazy(() =>\n  import('./modules/affiliate').then((m) => ({ default: m.AffiliateDashboardPage }))\n);\nconst EarningsPage = lazy(() =>\n  import('./modules/earnings').then((m) => ({ default: m.EarningsPage }))\n);\nconst PayoutsPage = lazy(() =>\n  import('./modules/earnings').then((m) => ({ default: m.PayoutsPage }))\n);\n\nfunction PageLoader() {\n  return (\n    <div className=\"flex min-h-[400px] items-center justify-center\">\n      <div className=\"h-8 w-8 animate-spin rounded-full border-4 border-primary border-t-transparent\" />\n    </div>\n  );\n}\n\nfunction DefaultRedirect() {\n  const { basePath } = useBilling();\n  const { search } = useLocation();\n  const routerNavigate = useNavigate();\n  const base = basePath && basePath !== '/' ? basePath.replace(/\\/$/, '') : '';\n  useEffect(() => {\n    routerNavigate(`${base}/overview${search}`, { replace: true });\n  }, [base, routerNavigate, search]);\n  return null;\n}\n\ntype BillingPermissions = ReturnType<typeof useBillingPermissions>;\ntype BillingPermissionKey = Exclude<\n  {\n    [K in keyof BillingPermissions]: BillingPermissions[K] extends boolean ? K : never;\n  }[keyof BillingPermissions],\n  'isLoading'\n>;\n\ninterface BillingRouteGateProps {\n  title: string;\n  featureFlag: string;\n  permission: BillingPermissionKey;\n  eventName: BillingDomainEvent;\n  children: ReactNode;\n}\n\nfunction FeatureDisabled({ title, featureFlag }: { title: string; featureFlag: string }) {\n  return (\n    <div className=\"flex min-h-[400px] items-center justify-center p-6\">\n      <div className=\"max-w-md rounded-lg border border-border bg-card p-6 text-center shadow-sm\">\n        <h2 className=\"text-lg font-semibold text-foreground\">{title} is not enabled</h2>\n        <p className=\"mt-2 text-sm text-muted-foreground\">\n          Ask an administrator to enable the <span className=\"font-mono\">{featureFlag}</span>{' '}\n          feature flag for this organization.\n        </p>\n      </div>\n    </div>\n  );\n}\n\nfunction BillingRouteGate({\n  title,\n  featureFlag,\n  permission,\n  eventName,\n  children,\n}: BillingRouteGateProps) {\n  const permissions = useBillingPermissions();\n  const { emit } = useBillingEventEmitter();\n  const hasPermission = Boolean(permissions[permission]);\n\n  useEffect(() => {\n    if (hasPermission) {\n      emit(eventName, { source: 'BillingUserRoutes' });\n    }\n  }, [emit, eventName, hasPermission]);\n\n  if (permissions.isLoading) {\n    return <PageLoader />;\n  }\n\n  return (\n    <FeatureGate\n      flag={featureFlag}\n      defaultValue\n      fallback={<FeatureDisabled title={title} featureFlag={featureFlag} />}\n    >\n      {hasPermission ? (\n        children\n      ) : (\n        <AccessDenied message={`You don't have permission to access ${title}.`} />\n      )}\n    </FeatureGate>\n  );\n}\n\nfunction guardedPage(props: BillingRouteGateProps): ReactNode {\n  return <BillingRouteGate {...props} />;\n}\n\n/**\n * User-facing billing routes.\n * Includes overview, subscriptions, plan/addon browsing (read-only),\n * invoices, payments, credits, quota usage, checkout, and settings.\n */\nexport function BillingUserRoutes() {\n  return (\n    <Routes>\n      <Route index element={<Navigate to=\"overview\" replace />} />\n\n      {/* Dashboard */}\n      <Route\n        path=\"overview\"\n        element={guardedPage({\n          title: 'Billing overview',\n          featureFlag: 'billing.overview',\n          permission: 'canViewBillingAccount',\n          eventName: 'billing.billing_account.viewed',\n          children: <OverviewPage />,\n        })}\n      />\n\n      {/* Subscriptions */}\n      <Route\n        path=\"subscriptions\"\n        element={\n          <BillingRouteGate\n            title=\"Subscriptions\"\n            featureFlag=\"billing.subscriptions\"\n            permission=\"canViewSubscriptions\"\n            eventName=\"billing.subscription.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <SubscriptionsListPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"subscriptions/:subscriptionId\"\n        element={\n          <BillingRouteGate\n            title=\"Subscription details\"\n            featureFlag=\"billing.subscriptions\"\n            permission=\"canViewSubscriptions\"\n            eventName=\"billing.subscription.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <SubscriptionDetailPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"subscriptions/:subscriptionId/upgrade\"\n        element={\n          <BillingRouteGate\n            title=\"Subscription upgrade\"\n            featureFlag=\"billing.subscriptions.upgrade\"\n            permission=\"canCreateSubscription\"\n            eventName=\"billing.subscription.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <UpgradeSubscriptionPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Plans - user browse pages */}\n      <Route\n        path=\"plans\"\n        element={\n          <BillingRouteGate\n            title=\"Plans\"\n            featureFlag=\"billing.plans\"\n            permission=\"canViewPlans\"\n            eventName=\"billing.plan.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <PlansBrowsePage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"plans/:planId\"\n        element={\n          <BillingRouteGate\n            title=\"Plan details\"\n            featureFlag=\"billing.plans\"\n            permission=\"canViewPlans\"\n            eventName=\"billing.plan.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <PlanBrowseDetailPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Addons - user browse pages */}\n      <Route\n        path=\"addons\"\n        element={\n          <BillingRouteGate\n            title=\"Addons\"\n            featureFlag=\"billing.addons\"\n            permission=\"canViewAddons\"\n            eventName=\"billing.addon.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <AddonsBrowsePage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"addons/:addonId\"\n        element={\n          <BillingRouteGate\n            title=\"Addon details\"\n            featureFlag=\"billing.addons\"\n            permission=\"canViewAddons\"\n            eventName=\"billing.addon.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <AddonBrowseDetailPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Checkout */}\n      <Route\n        path=\"checkout\"\n        element={\n          <BillingRouteGate\n            title=\"Checkout\"\n            featureFlag=\"billing.checkout\"\n            permission=\"canProcessPayment\"\n            eventName=\"billing.checkout.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CheckoutPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"checkout/:planId\"\n        element={\n          <BillingRouteGate\n            title=\"Plan checkout\"\n            featureFlag=\"billing.checkout\"\n            permission=\"canProcessPayment\"\n            eventName=\"billing.checkout.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CheckoutPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"checkout/credits\"\n        element={\n          <BillingRouteGate\n            title=\"Credits checkout\"\n            featureFlag=\"billing.checkout.credits\"\n            permission=\"canProcessPayment\"\n            eventName=\"billing.checkout.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CheckoutPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"checkout/addon/:addonId\"\n        element={\n          <BillingRouteGate\n            title=\"Addon checkout\"\n            featureFlag=\"billing.checkout.addons\"\n            permission=\"canProcessPayment\"\n            eventName=\"billing.checkout.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CheckoutPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"checkout/addons\"\n        element={\n          <BillingRouteGate\n            title=\"Addons checkout\"\n            featureFlag=\"billing.checkout.addons\"\n            permission=\"canProcessPayment\"\n            eventName=\"billing.checkout.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CheckoutPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"checkout/store/:storeOrderId\"\n        element={\n          <BillingRouteGate\n            title=\"Store order checkout\"\n            featureFlag=\"billing.checkout.store\"\n            permission=\"canProcessPayment\"\n            eventName=\"billing.checkout.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CheckoutPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Store Checkout - Legacy */}\n      <Route\n        path=\"store/:orderId\"\n        element={\n          <BillingRouteGate\n            title=\"Store checkout\"\n            featureFlag=\"billing.checkout.store\"\n            permission=\"canProcessPayment\"\n            eventName=\"billing.checkout.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <StoreCheckoutPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Invoices */}\n      <Route\n        path=\"invoices\"\n        element={\n          <BillingRouteGate\n            title=\"Invoices\"\n            featureFlag=\"billing.invoices\"\n            permission=\"canViewInvoices\"\n            eventName=\"billing.invoice.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <InvoicesListPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"invoices/:invoiceId\"\n        element={\n          <BillingRouteGate\n            title=\"Invoice details\"\n            featureFlag=\"billing.invoices\"\n            permission=\"canViewInvoices\"\n            eventName=\"billing.invoice.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <InvoiceDetailPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Payment Methods */}\n      <Route\n        path=\"payment-methods\"\n        element={\n          <BillingRouteGate\n            title=\"Payment methods\"\n            featureFlag=\"billing.payment_methods\"\n            permission=\"canViewPaymentMethods\"\n            eventName=\"billing.payment_method.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <PaymentMethodsPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"payment-methods/add\"\n        element={\n          <BillingRouteGate\n            title=\"Add payment method\"\n            featureFlag=\"billing.payment_methods\"\n            permission=\"canManagePaymentMethods\"\n            eventName=\"billing.payment_method.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <PaymentMethodsPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Credits */}\n      <Route\n        path=\"credits\"\n        element={\n          <BillingRouteGate\n            title=\"Credits\"\n            featureFlag=\"billing.credits\"\n            permission=\"canViewCredits\"\n            eventName=\"billing.credit.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CreditsPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"credits/withdraw\"\n        element={\n          <BillingRouteGate\n            title=\"Credit withdrawal\"\n            featureFlag=\"billing.credits\"\n            permission=\"canWithdrawCredits\"\n            eventName=\"billing.credit.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CreditWithdrawalPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n      <Route\n        path=\"creditTransactions/:billingAccountId\"\n        element={\n          <BillingRouteGate\n            title=\"Credit transactions\"\n            featureFlag=\"billing.credits\"\n            permission=\"canViewCredits\"\n            eventName=\"billing.credit.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <CreditTransactionsPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Quota Usage (consumer view) */}\n      <Route\n        path=\"quota\"\n        element={\n          <BillingRouteGate\n            title=\"Quota\"\n            featureFlag=\"billing.quota\"\n            permission=\"canViewQuotas\"\n            eventName=\"billing.quota.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <QuotaPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      {/* Usage */}\n      <Route\n        path=\"usage\"\n        element={\n          <BillingRouteGate\n            title=\"Usage\"\n            featureFlag=\"billing.usage\"\n            permission=\"canViewUsage\"\n            eventName=\"billing.usage.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <UsagePage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      <Route\n        path=\"affiliate\"\n        element={\n          <BillingRouteGate\n            title=\"Affiliate dashboard\"\n            featureFlag=\"billing.affiliate\"\n            permission=\"canManagePaymentMethods\"\n            eventName=\"billing.affiliate.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <AffiliateDashboardPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      <Route\n        path=\"earnings\"\n        element={\n          <BillingRouteGate\n            title=\"Earnings\"\n            featureFlag=\"billing.earnings\"\n            permission=\"canViewBillingAccount\"\n            eventName=\"billing.earning.viewed\"\n          >\n            <Suspense fallback={<PageLoader />}>\n              <EarningsPage />\n            </Suspense>\n          </BillingRouteGate>\n        }\n      />\n\n      <Route\n        path=\"payouts\"\n        element={\n          <BillingRouteGate\n            title=\"Payouts\"\n            featureFlag=\"billing.payouts\"\n            permission=\"canViewBillingAccount\"\n            eventName=\"billing.payout.viewed\"\n          >\n        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package/dist/billing/modules/credits/pages/CreditWithdrawalPage.d.ts.map

@@ -1 +1 @@
-{"version":3,"file":"CreditWithdrawalPage.d.ts","sourceRoot":"","sources":["../../../../../src/billing/modules/credits/pages/CreditWithdrawalPage.tsx"],"names":[],"mappings":"AAAA;;;GAGG;AAEH,OAAO,EAAuB,KAAK,EAAE,EAAE,MAAM,OAAO,CAAC;AA0JrD,eAAO,MAAM,oBAAoB,EAAE,EAouBlC,CAAC"}
+{"version":3,"file":"CreditWithdrawalPage.d.ts","sourceRoot":"","sources":["../../../../../src/billing/modules/credits/pages/CreditWithdrawalPage.tsx"],"names":[],"mappings":"AAAA;;;GAGG;AAEH,OAAO,EAAuB,KAAK,EAAE,EAAE,MAAM,OAAO,CAAC;AA0JrD,eAAO,MAAM,oBAAoB,EAAE,EAiuBlC,CAAC"}

package/dist/billing/modules/credits/pages/CreditWithdrawalPage.js

@@ -89,7 +89,7 @@ var h = () => {
 		ifscCode: "",
 		routingNumber: "",
 		upiId: "",
-		country: "IN",
+		country: "",
 		currency: "USD"
 	}), [H, U] = u(!1), [W, G] = u(null), K = o?.id, q = () => ({
 		apiGatewayUrl: c,
@@ -135,8 +135,8 @@ var h = () => {
 		if (K) {
 			G(null), U(!0);
 			try {
-				let e = {};
-				B.type === "BANK_ACCOUNT" ? B.country === "IN" ? (e.accountNumber = B.accountNumber, e.ifscCode = B.ifscCode) : (e.accountNumber = B.accountNumber, e.routingNumber = B.routingNumber) : B.type === "UPI" && (e.upiId = B.upiId), await l({
+				let e = {}, t = B.country.trim().toUpperCase() === "IN" || B.country.trim().toLowerCase() === "india";
+				B.type === "BANK_ACCOUNT" ? t ? (e.accountNumber = B.accountNumber, e.ifscCode = B.ifscCode) : (e.accountNumber = B.accountNumber, e.routingNumber = B.routingNumber) : B.type === "UPI" && (e.upiId = B.upiId), await l({
 					billingAccountId: K,
 					label: B.label,
 					type: B.type,
@@ -154,7 +154,7 @@ var h = () => {
 					ifscCode: "",
 					routingNumber: "",
 					upiId: "",
-					country: "IN",
+					country: "",
 					currency: "USD"
 				});
 			} catch (e) {
@@ -369,60 +369,25 @@ var h = () => {
 											type: e.target.value
 										})),
 										className: "w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30",
-										children: [
-											/* @__PURE__ */ f("option", {
-												value: "BANK_ACCOUNT",
-												children: "Bank Account"
-											}),
-											/* @__PURE__ */ f("option", {
-												value: "UPI",
-												children: "UPI"
-											}),
-											/* @__PURE__ */ f("option", {
-												value: "WALLET",
-												children: "Wallet"
-											})
-										]
+										children: [/* @__PURE__ */ f("option", {
+											value: "BANK_ACCOUNT",
+											children: "Bank Account"
+										}), /* @__PURE__ */ f("option", {
+											value: "UPI",
+											children: "UPI"
+										})]
 									})] }), /* @__PURE__ */ p("div", { children: [/* @__PURE__ */ f("label", {
 										className: "block text-xs text-muted-foreground mb-1",
 										children: "Country"
-									}), /* @__PURE__ */ p("select", {
+									}), /* @__PURE__ */ f("input", {
+										type: "text",
 										value: B.country,
 										onChange: (e) => V((t) => ({
 											...t,
 											country: e.target.value
 										})),
-										className: "w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30",
-										children: [
-											/* @__PURE__ */ f("option", {
-												value: "IN",
-												children: "India"
-											}),
-											/* @__PURE__ */ f("option", {
-												value: "US",
-												children: "United States"
-											}),
-											/* @__PURE__ */ f("option", {
-												value: "GB",
-												children: "United Kingdom"
-											}),
-											/* @__PURE__ */ f("option", {
-												value: "SG",
-												children: "Singapore"
-											}),
-											/* @__PURE__ */ f("option", {
-												value: "AU",
-												children: "Australia"
-											}),
-											/* @__PURE__ */ f("option", {
-												value: "CA",
-												children: "Canada"
-											}),
-											/* @__PURE__ */ f("option", {
-												value: "DE",
-												children: "Germany"
-											})
-										]
+										placeholder: "e.g. India, US, UK",
+										className: "w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30"
 									})] })]
 								}),
 								B.type === "BANK_ACCOUNT" && /* @__PURE__ */ p(d, { children: [/* @__PURE__ */ p("div", { children: [/* @__PURE__ */ f("label", {
@@ -437,7 +402,7 @@ var h = () => {
 									})),
 									placeholder: "Account number",
 									className: "w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30"
-								})] }), B.country === "IN" ? /* @__PURE__ */ p("div", { children: [/* @__PURE__ */ f("label", {
+								})] }), B.country.trim().toUpperCase() === "IN" || B.country.trim().toLowerCase() === "india" ? /* @__PURE__ */ p("div", { children: [/* @__PURE__ */ f("label", {
 									className: "block text-xs text-muted-foreground mb-1",
 									children: "IFSC Code"
 								}), /* @__PURE__ */ f("input", {

package/dist/billing/modules/credits/pages/CreditWithdrawalPage.js.map

@@ -1 +1 @@
-{"version":3,"file":"CreditWithdrawalPage.js","names":[],"sources":["../../../../../src/billing/modules/credits/pages/CreditWithdrawalPage.tsx"],"sourcesContent":["/**\n * Credits Module - Credit Withdrawal Page\n * Allows users to withdraw withdrawable credits (purchased + earned) to a payout account.\n */\n\nimport { useState, useEffect, type FC } from 'react';\nimport {\n  CreditWithdrawalHistoryDocument,\n  GetCreditBalanceByTypeDocument,\n  RequestCreditWithdrawalDocument,\n} from '../../../../generated/global-operations';\nimport { useBillingPermissions } from '../../../hooks/useBillingPermissions';\nimport { useBillingEventEmitter } from '../../../hooks/useBillingEventEmitter';\nimport { useBilling } from '../../../providers/BillingProvider';\nimport { useDefaultBillingAccount } from '../../subscriptions/hooks';\nimport { directBillingGraphqlRequest } from '../../../shared/utils';\nimport {\n  fetchPayoutAccounts,\n  addPayoutAccount,\n  type PayoutAccount,\n  type PayoutRequest,\n} from '../../earnings/api';\nimport { formatDate, formatRelativeTime } from '../../../shared/utils/format';\nimport { statusTokens } from '../../../shared/utils/tokens';\nimport type { CreditBalanceByType } from '../../../shared/types';\n\n// ============================================================================\n// API helpers (credit-specific)\n// ============================================================================\n\ninterface GatewayContext {\n  apiGatewayUrl?: string;\n  authToken?: string;\n  orgId?: string;\n}\n\nasync function fetchCreditBalanceByType(\n  billingAccountId: string,\n  ctx: GatewayContext\n): Promise<CreditBalanceByType> {\n  const data = await directBillingGraphqlRequest<\n    { getCreditBalanceByType: CreditBalanceByType },\n    { billingAccountId: string }\n  >({\n    ...ctx,\n    query: GetCreditBalanceByTypeDocument,\n    variables: { billingAccountId },\n  });\n  return data.getCreditBalanceByType;\n}\n\nasync function requestCreditWithdrawal(\n  input: {\n    billingAccountId: string;\n    creditAmount: number;\n    payoutAccountId: string;\n    currency?: string;\n    notes?: string;\n  },\n  ctx: GatewayContext\n): Promise<{ id: string; status: string; requestedAmount: number; currency: string }> {\n  const data = await directBillingGraphqlRequest<\n    {\n      requestCreditWithdrawal: {\n        id: string;\n        status: string;\n        requestedAmount: number;\n        currency: string;\n      };\n    },\n    { input: typeof input }\n  >({\n    ...ctx,\n    query: RequestCreditWithdrawalDocument,\n    variables: { input },\n  });\n  return data.requestCreditWithdrawal;\n}\n\nasync function fetchCreditWithdrawalHistory(\n  billingAccountId: string,\n  ctx: GatewayContext\n): Promise<PayoutRequest[]> {\n  const data = await directBillingGraphqlRequest<\n    { myPayoutRequests: { items: PayoutRequest[] } },\n    { billingAccountId: string }\n  >({\n    ...ctx,\n    query: CreditWithdrawalHistoryDocument,\n    variables: { billingAccountId },\n  });\n  return data.myPayoutRequests.items;\n}\n\n// ============================================================================\n// Sub-components\n// ============================================================================\n\ninterface BalanceCardProps {\n  label: string;\n  value: number;\n  description?: string;\n  highlight?: boolean;\n}\n\nconst BalanceCard: FC<BalanceCardProps> = ({ label, value, description, highlight }) => (\n  <div\n    className={`border border-border rounded-lg p-5 ${\n      highlight ? 'bg-gradient-to-br from-primary/5 to-primary/10' : 'bg-card'\n    }`}\n  >\n    <p className=\"text-sm text-muted-foreground\">{label}</p>\n    <p className={`text-2xl font-bold mt-1 ${highlight ? 'text-primary' : 'text-foreground'}`}>\n      {value.toLocaleString()} <span className=\"text-base font-normal\">credits</span>\n    </p>\n    {description && <p className=\"text-xs text-muted-foreground mt-1\">{description}</p>}\n  </div>\n);\n\nfunction getWithdrawalStatusColor(status: string): string {\n  switch (status.toUpperCase()) {\n    case 'PAID':\n      return statusTokens.success.text;\n    case 'APPROVED':\n    case 'PROCESSING':\n      return statusTokens.info.text;\n    case 'REQUESTED':\n      return statusTokens.warning.text;\n    case 'REJECTED':\n    case 'FAILED':\n    case 'CANCELED':\n      return statusTokens.error.text;\n    default:\n      return 'text-muted-foreground';\n  }\n}\n\nfunction getWithdrawalStatusBg(status: string): string {\n  switch (status.toUpperCase()) {\n    case 'PAID':\n      return `${statusTokens.success.bg} ${statusTokens.success.text}`;\n    case 'APPROVED':\n    case 'PROCESSING':\n      return `${statusTokens.info.bg} ${statusTokens.info.text}`;\n    case 'REQUESTED':\n      return `${statusTokens.warning.bg} ${statusTokens.warning.text}`;\n    case 'REJECTED':\n    case 'FAILED':\n    case 'CANCELED':\n      return `${statusTokens.error.bg} ${statusTokens.error.text}`;\n    default:\n      return 'bg-muted text-muted-foreground';\n  }\n}\n\n// ============================================================================\n// Main Page\n// ============================================================================\n\nexport const CreditWithdrawalPage: FC = () => {\n  const permissions = useBillingPermissions();\n  const { billingAccount, isLoading: isLoadingAccount } = useDefaultBillingAccount();\n  const { apiGatewayUrl, authToken, orgId } = useBilling();\n  const { emit } = useBillingEventEmitter();\n\n  // Balance state\n  const [balance, setBalance] = useState<CreditBalanceByType | null>(null);\n  const [isLoadingBalance, setIsLoadingBalance] = useState(false);\n  const [balanceError, setBalanceError] = useState<string | null>(null);\n\n  // Payout accounts state\n  const [payoutAccounts, setPayoutAccounts] = useState<PayoutAccount[]>([]);\n  const [isLoadingAccounts, setIsLoadingAccounts] = useState(false);\n\n  // Withdrawal history state\n  const [history, setHistory] = useState<PayoutRequest[]>([]);\n  const [isLoadingHistory, setIsLoadingHistory] = useState(false);\n\n  // Withdrawal form state\n  const [selectedAccountId, setSelectedAccountId] = useState<string>('');\n  const [creditAmount, setCreditAmount] = useState<string>('');\n  const [notes, setNotes] = useState<string>('');\n  const [isSubmitting, setIsSubmitting] = useState(false);\n  const [submitError, setSubmitError] = useState<string | null>(null);\n  const [submitSuccess, setSubmitSuccess] = useState(false);\n\n  // New payout account form state\n  const [showAddAccount, setShowAddAccount] = useState(false);\n  const [accountForm, setAccountForm] = useState({\n    label: '',\n    type: 'BANK_ACCOUNT' as 'BANK_ACCOUNT' | 'UPI' | 'WALLET',\n    accountNumber: '',\n    ifscCode: '',\n    routingNumber: '',\n    upiId: '',\n    country: 'IN',\n    currency: 'USD',\n  });\n  const [isAddingAccount, setIsAddingAccount] = useState(false);\n  const [addAccountError, setAddAccountError] = useState<string | null>(null);\n\n  const billingAccountId = billingAccount?.id;\n\n  const getCtx = (): GatewayContext => ({\n    apiGatewayUrl,\n    authToken,\n    orgId,\n  });\n\n  const loadBalance = async () => {\n    if (!billingAccountId) return;\n    setIsLoadingBalance(true);\n    setBalanceError(null);\n    try {\n      const b = await fetchCreditBalanceByType(billingAccountId, getCtx());\n      setBalance(b);\n    } catch (e) {\n      setBalanceError(e instanceof Error ? e.message : 'Failed to load balance');\n    } finally {\n      setIsLoadingBalance(false);\n    }\n  };\n\n  const loadAccounts = async () => {\n    if (!billingAccountId) return;\n    setIsLoadingAccounts(true);\n    try {\n      const accounts = await fetchPayoutAccounts(billingAccountId, getCtx());\n      setPayoutAccounts(accounts);\n      const defaultAcc = accounts.find((a) => a.isDefault) ?? accounts[0];\n      if (defaultAcc) setSelectedAccountId(defaultAcc.id);\n    } catch {\n      // silently fail - user will see empty state\n    } finally {\n      setIsLoadingAccounts(false);\n    }\n  };\n\n  const loadHistory = async () => {\n    if (!billingAccountId) return;\n    setIsLoadingHistory(true);\n    try {\n      const items = await fetchCreditWithdrawalHistory(billingAccountId, getCtx());\n      setHistory(items);\n    } catch {\n      // silently fail\n    } finally {\n      setIsLoadingHistory(false);\n    }\n  };\n\n  useEffect(() => {\n    if (billingAccountId) {\n      void loadBalance();\n      void loadAccounts();\n      void loadHistory();\n    }\n    // eslint-disable-next-line react-hooks/exhaustive-deps\n  }, [billingAccountId]);\n\n  const handleAddAccount = async () => {\n    if (!billingAccountId) return;\n    setAddAccountError(null);\n    setIsAddingAccount(true);\n    try {\n      const details: Record<string, string> = {};\n      if (accountForm.type === 'BANK_ACCOUNT') {\n        if (accountForm.country === 'IN') {\n          details.accountNumber = accountForm.accountNumber;\n          details.ifscCode = accountForm.ifscCode;\n        } else {\n          details.accountNumber = accountForm.accountNumber;\n          details.routingNumber = accountForm.routingNumber;\n        }\n      } else if (accountForm.type === 'UPI') {\n        details.upiId = accountForm.upiId;\n      }\n\n      await addPayoutAccount(\n        {\n          billingAccountId,\n          label: accountForm.label,\n          type: accountForm.type,\n          country: accountForm.country,\n          currency: accountForm.currency,\n          accountDetails: details,\n        },\n        getCtx()\n      );\n      emit('billing.payout_account.added', {\n        route: '/billing/credits/withdraw',\n        entityId: billingAccountId,\n        source: 'credit-withdrawal',\n      });\n      await loadAccounts();\n      setShowAddAccount(false);\n      setAccountForm({\n        label: '',\n        type: 'BANK_ACCOUNT',\n        accountNumber: '',\n        ifscCode: '',\n        routingNumber: '',\n        upiId: '',\n        country: 'IN',\n        currency: 'USD',\n      });\n    } catch (e) {\n      setAddAccountError(e instanceof Error ? e.message : 'Failed to add account');\n    } finally {\n      setIsAddingAccount(false);\n    }\n  };\n\n  const handleWithdraw = async () => {\n    if (!billingAccountId || !selectedAccountId) return;\n    const amount = parseFloat(creditAmount);\n    if (!amount || amount <= 0) return;\n\n    setSubmitError(null);\n    setIsSubmitting(true);\n    try {\n      const withdrawal = await requestCreditWithdrawal(\n        {\n          billingAccountId,\n          creditAmount: amount,\n          payoutAccountId: selectedAccountId,\n          notes: notes || undefined,\n        },\n        getCtx()\n      );\n      emit('billing.credits.withdrawal_requested', {\n        route: '/billing/credits/withdraw',\n        entityId: withdrawal.id,\n        source: 'credit-withdrawal',\n        amount,\n      });\n      setSubmitSuccess(true);\n      setCreditAmount('');\n      setNotes('');\n      await loadBalance();\n      await loadHistory();\n    } catch (e) {\n      setSubmitError(e instanceof Error ? e.message : 'Withdrawal request failed');\n    } finally {\n      setIsSubmitting(false);\n    }\n  };\n\n  // Permission check\n  if (!permissions.canWithdrawCredits) {\n    return (\n      <div className=\"flex items-center justify-center h-full min-h-[400px]\">\n        <div className=\"text-center space-y-2\">\n          <div className=\"w-12 h-12 mx-auto rounded-full bg-muted flex items-center justify-center\">\n            <svg\n              className=\"w-6 h-6 text-muted-foreground\"\n              fill=\"none\"\n              viewBox=\"0 0 24 24\"\n              stroke=\"currentColor\"\n            >\n              <path\n                strokeLinecap=\"round\"\n                strokeLinejoin=\"round\"\n                strokeWidth={2}\n                d=\"M12 15v2m-6 4h12a2 2 0 002-2v-6a2 2 0 00-2-2H6a2 2 0 00-2 2v6a2 2 0 002 2zm10-10V7a4 4 0 00-8 0v4h8z\"\n              />\n            </svg>\n          </div>\n          <h2 className=\"text-lg font-semibold text-foreground\">Access Denied</h2>\n          <p className=\"text-sm text-muted-foreground\">\n            You don&apos;t have permission to withdraw credits.\n          </p>\n        </div>\n      </div>\n    );\n  }\n\n  if (isLoadingAccount && !billingAccount) {\n    return (\n      <div className=\"space-y-6 p-6\">\n        <div className=\"h-8 w-64 bg-muted animate-pulse rounded\" />\n        <div className=\"grid grid-cols-2 lg:grid-cols-4 gap-4\">\n          {[1, 2, 3, 4].map((i) => (\n            <div key={i} className=\"border border-border rounded-lg p-5\">\n              <div className=\"h-4 w-24 bg-muted animate-pulse rounded mb-2\" />\n              <div className=\"h-8 w-32 bg-muted animate-pulse rounded\" />\n            </div>\n          ))}\n        </div>\n      </div>\n    );\n  }\n\n  const withdrawable = balance?.withdrawable ?? 0;\n  const amount = parseFloat(creditAmount) || 0;\n  const amountValid = amount > 0 && amount <= withdrawable;\n  const activeAccounts = payoutAccounts.filter((a) => a.status !== 'ARCHIVED');\n\n  return (\n    <div className=\"space-y-6 p-6\">\n      {/* Header */}\n      <div>\n        <h1 className=\"text-2xl font-bold text-foreground\">Withdraw Credits</h1>\n        <p className=\"text-sm text-muted-foreground mt-1\">\n          Convert your withdrawable credits (purchased &amp; earned) to a payout\n        </p>\n      </div>\n\n      {/* Balance breakdown */}\n      <div className=\"grid grid-cols-2 lg:grid-cols-4 gap-4\">\n        {isLoadingBalance ? (\n          [1, 2, 3, 4].map((i) => (\n            <div key={i} className=\"border border-border rounded-lg p-5\">\n              <div className=\"h-4 w-20 bg-muted animate-pulse rounded mb-2\" />\n              <div className=\"h-8 w-28 bg-muted animate-pulse rounded\" />\n            </div>\n          ))\n        ) : balanceError ? (\n          <div className=\"col-span-4 text-sm text-destructive\">{balanceError}</div>\n        ) : (\n          <>\n            <BalanceCard\n              label=\"Purchased\"\n              value={balance?.purchased ?? 0}\n              description=\"From credit purchases\"\n            />\n            <BalanceCard\n              label=\"Earned\"\n              value={balance?.earned ?? 0}\n              description=\"From sales & referrals\"\n            />\n            <BalanceCard\n              label=\"Granted\"\n              value={balance?.granted ?? 0}\n              description=\"Coupons & admin grants — non-withdrawable\"\n            />\n            <BalanceCard\n              label=\"Withdrawable\"\n              value={withdrawable}\n              description=\"Purchased + earned\"\n              highlight\n            />\n          </>\n        )}\n      </div>\n\n      {/* Success banner */}\n      {submitSuccess && (\n        <div className=\"flex items-center gap-3 p-4 rounded-lg bg-status-success-bg-subtle border border-status-success-border text-status-success-text\">\n          <svg className=\"w-5 h-5 shrink-0\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n            <path strokeLinecap=\"round\" strokeLinejoin=\"round\" strokeWidth={2} d=\"M5 13l4 4L19 7\" />\n          </svg>\n          <div>\n            <p className=\"font-medium\">Withdrawal request submitted</p>\n            <p className=\"text-sm opacity-80\">Our team will review and process your request.</p>\n          </div>\n          <button\n            onClick={() => setSubmitSuccess(false)}\n            className=\"ml-auto text-current opacity-60 hover:opacity-100\"\n          >\n            <svg className=\"w-4 h-4\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n              <path\n                strokeLinecap=\"round\"\n                strokeLinejoin=\"round\"\n                strokeWidth={2}\n                d=\"M6 18L18 6M6 6l12 12\"\n              />\n            </svg>\n          </button>\n        </div>\n      )}\n\n      {/* Main two-column layout */}\n      <div className=\"grid grid-cols-1 lg:grid-cols-2 gap-6\">\n        {/* Left: Payout account management */}\n        <div className=\"space-y-4\">\n          <div className=\"flex items-center justify-between\">\n            <h2 className=\"text-base font-semibold text-foreground\">Payout Account</h2>\n            <button\n              onClick={() => setShowAddAccount((v) => !v)}\n              className=\"text-sm text-primary hover:underline\"\n            >\n              {showAddAccount ? 'Cancel' : '+ Add new'}\n            </button>\n          </div>\n\n          {/* Add account form */}\n          {showAddAccount && (\n            <div className=\"border border-border rounded-lg p-4 space-y-3 bg-muted/30\">\n              <h3 className=\"text-sm font-medium text-foreground\">New Payout Account</h3>\n\n              <div>\n                <label className=\"block text-xs text-muted-foreground mb-1\">Label</label>\n                <input\n                  type=\"text\"\n                  value={accountForm.label}\n                  onChange={(e) => setAccountForm((f) => ({ ...f, label: e.target.value }))}\n                  placeholder=\"e.g. My Bank Account\"\n                  className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n                />\n              </div>\n\n              <div className=\"grid grid-cols-2 gap-3\">\n                <div>\n                  <label className=\"block text-xs text-muted-foreground mb-1\">Type</label>\n                  <select\n                    value={accountForm.type}\n                    onChange={(e) =>\n                      setAccountForm((f) => ({\n                        ...f,\n                        type: e.target.value as typeof accountForm.type,\n                      }))\n                    }\n                    className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n                  >\n                    <option value=\"BANK_ACCOUNT\">Bank Account</option>\n                    <option value=\"UPI\">UPI</option>\n                    <option value=\"WALLET\">Wallet</option>\n                  </select>\n                </div>\n\n                <div>\n                  <label className=\"block text-xs text-muted-foreground mb-1\">Country</label>\n                  <select\n                    value={accountForm.country}\n                    onChange={(e) => setAccountForm((f) => ({ ...f, country: e.target.value }))}\n                    className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n                  >\n                    <option value=\"IN\">India</option>\n                    <option value=\"US\">United States</option>\n                    <option value=\"GB\">United Kingdom</option>\n                    <option value=\"SG\">Singapore</option>\n                    <option value=\"AU\">Australia</option>\n                    <option value=\"CA\">Canada</option>\n                    <option value=\"DE\">Germany</option>\n                  </select>\n                </div>\n              </div>\n\n              {accountForm.type === 'BANK_ACCOUNT' && (\n                <>\n                  <div>\n                    <label className=\"block text-xs text-muted-foreground mb-1\">\n                      Account Number\n                    </label>\n                    <input\n                      type=\"text\"\n                      value={accountForm.accountNumber}\n                      onChange={(e) =>\n                        setAccountForm((f) => ({ ...f, accountNumber: e.target.value }))\n                      }\n                      placeholder=\"Account number\"\n                      className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n                    />\n                  </div>\n                  {accountForm.country === 'IN' ? (\n                    <div>\n                      <label className=\"block text-xs text-muted-foreground mb-1\">IFSC Code</label>\n                      <input\n                        type=\"text\"\n                        value={accountForm.ifscCode}\n                        onChange={(e) =>\n                          setAccountForm((f) => ({ ...f, ifscCode: e.target.value.toUpperCase() }))\n                        }\n                        placeholder=\"e.g. SBIN0001234\"\n                        className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n                      />\n                    </div>\n                  ) : (\n                    <div>\n                      <label className=\"block text-xs text-muted-foreground mb-1\">\n                        Routing Number\n                      </label>\n                      <input\n                        type=\"text\"\n                        value={accountForm.routingNumber}\n                        onChange={(e) =>\n                          setAccountForm((f) => ({ ...f, routingNumber: e.target.value }))\n                        }\n                        placeholder=\"Routing / sort code\"\n                        className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n                      />\n                    </div>\n                  )}\n                </>\n              )}\n\n              {accountForm.type === 'UPI' && (\n                <div>\n                  <label className=\"block text-xs text-muted-foreground mb-1\">UPI ID</label>\n                  <input\n                    type=\"text\"\n                    value={accountForm.upiId}\n                    onChange={(e) => setAccountForm((f) => ({ ...f, upiId: e.target.value }))}\n                    placeholder=\"yourname@upi\"\n                    className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n                  />\n                </div>\n              )}\n\n              {addAccountError && <p className=\"text-xs text-destructive\">{addAccountError}</p>}\n\n              <button\n                onClick={() => void handleAddAccount()}\n                disabled={isAddingAccount || !accountForm.label}\n                className=\"w-full py-2 text-sm font-medium bg-primary text-primary-foreground rounded-md hover:bg-primary/90 transition-colors disabled:opacity-50 disabled:cursor-not-allowed\"\n              >\n                {isAddingAccount ? 'Saving…' : 'Save Account'}\n              </button>\n            </div>\n          )}\n\n          {/* Existing accounts */}\n          {isLoadingAccounts ? (\n            <div className=\"space-y-2\">\n              {[1, 2].map((i) => (\n                <div\n                  key={i}\n                  className=\"h-16 border border-border rounded-lg bg-muted animate-pulse\"\n                />\n              ))}\n            </div>\n          ) : activeAccounts.length === 0 && !showAddAccount ? (\n            <div className=\"flex flex-col items-center justify-center py-8 border border-dashed border-border rounded-lg\">\n              <svg\n                className=\"w-8 h-8 text-muted-foreground mb-2\"\n                fill=\"none\"\n                viewBox=\"0 0 24 24\"\n                stroke=\"currentColor\"\n              >\n                <path\n                  strokeLinecap=\"round\"\n                  strokeLinejoin=\"round\"\n                  strokeWidth={1.5}\n                  d=\"M3 10h18M7 15h1m4 0h1m-7 4h12a3 3 0 003-3V8a3 3 0 00-3-3H6a3 3 0 00-3 3v8a3 3 0 003 3z\"\n                />\n              </svg>\n              <p className=\"text-sm text-muted-foreground\">No payout accounts yet</p>\n              <button\n                onClick={() => setShowAddAccount(true)}\n                className=\"mt-2 text-sm text-primary hover:underline\"\n              >\n                Add a bank account or UPI\n              </button>\n            </div>\n          ) : (\n            <div className=\"space-y-2\">\n              {activeAccounts.map((account) => (\n                <button\n                  key={account.id}\n                  onClick={() => setSelectedAccountId(account.id)}\n                  className={`w-full text-left p-4 border rounded-lg transition-colors ${\n                    selectedAccountId === account.id\n                      ? 'border-primary bg-primary/5'\n                      : 'border-border bg-card hover:border-primary/40'\n                  }`}\n                >\n                  <div className=\"flex items-center justify-between\">\n                    <div>\n                      <p className=\"text-sm font-medium text-foreground\">{account.label}</p>\n                      <p className=\"text-xs text-muted-foreground mt-0.5\">\n                        {account.type.replaceAll('_', ' ')}\n                        {account.displayName ? ` · ${account.displayName}` : ''}\n                        {account.accountLast4 ? ` ···${account.accountLast4}` : ''}\n                        {account.country ? ` · ${account.country}` : ''}\n                      </p>\n                    </div>\n                    <div className=\"flex items-center gap-2\">\n                      {account.isDefault && (\n                        <span className=\"text-xs px-2 py-0.5 rounded bg-primary/10 text-primary font-medium\">\n                          Default\n                        </span>\n                      )}\n                      <span\n                        className={`text-xs px-2 py-0.5 rounded font-medium ${\n                          account.status === 'ACTIVE'\n                            ? `${statusTokens.success.bg} ${statusTokens.success.text}`\n                            : account.status === 'PENDING_VERIFICATION'\n                              ? `${statusTokens.warning.bg} ${statusTokens.warning.text}`\n                              : `${statusTokens.error.bg} ${statusTokens.error.text}`\n                        }`}\n                      >\n                        {account.status.replaceAll('_', ' ').toLowerCase()}\n                      </span>\n                      {selectedAccountId === account.id && (\n                        <svg\n                          className=\"w-4 h-4 text-primary shrink-0\"\n                          fill=\"none\"\n                          viewBox=\"0 0 24 24\"\n                          stroke=\"currentColor\"\n                        >\n                          <path\n                            strokeLinecap=\"round\"\n                            strokeLinejoin=\"round\"\n                            strokeWidth={2}\n                            d=\"M5 13l4 4L19 7\"\n                          />\n                        </svg>\n                      )}\n                    </div>\n                  </div>\n                </button>\n              ))}\n            </div>\n          )}\n        </div>\n\n        {/* Right: Withdrawal request form */}\n        <div className=\"space-y-4\">\n          <h2 className=\"text-base font-semibold text-foreground\">Request Withdrawal</h2>\n\n          <div className=\"border border-border rounded-lg p-5 bg-card space-y-4\">\n            <div>\n              <label className=\"block text-sm font-medium text-foreground mb-1\">\n                Credits to Withdraw\n              </label>\n              <input\n                type=\"number\"\n                min={1}\n                max={withdrawable}\n                step={1}\n                value={creditAmount}\n                onChange={(e) => setCreditAmount(e.target.value)}\n                placeholder=\"Enter credit amount\"\n                className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n              />\n              <p className=\"text-xs text-muted-foreground mt-1\">\n                Max withdrawable:{' '}\n                <span className=\"font-medium\">{withdrawable.toLocaleString()} credits</span>\n              </p>\n              {amount > 0 && amount > withdrawable && (\n                <p className=\"text-xs text-destructive mt-1\">\n                  Amount exceeds your withdrawable balance\n                </p>\n              )}\n            </div>\n\n            <div>\n              <label className=\"block text-sm font-medium text-foreground mb-1\">\n                Notes <span className=\"text-muted-foreground font-normal\">(optional)</span>\n              </label>\n              <textarea\n                value={notes}\n                onChange={(e) => setNotes(e.target.value)}\n                placeholder=\"Any notes for this withdrawal request\"\n                rows={2}\n                className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30 resize-none\"\n              />\n            </div>\n\n            {submitError && (\n              <div className=\"p-3 rounded-md bg-destructive/10 border border-destructive/20\">\n                <p className=\"text-sm text-destructive\">{submitError}</p>\n              </div>\n            )}\n\n            <div className=\"pt-1 border-t border-border\">\n              <p className=\"text-xs text-muted-foreground mb-3\">\n                Credits will be converted to USD at the current credit rate. Withdrawals are\n                reviewed before processing and may take 3–5 business days.\n              </p>\n              <button\n                onClick={() => void handleWithdraw()}\n                disabled={\n                  isSubmitting || !amountValid || !selectedAccountId || activeAccounts.length === 0\n                }\n                className=\"w-full py-2.5 text-sm font-medium bg-primary text-primary-foreground rounded-md hover:bg-primary/90 transition-colors disabled:opacity-50 disabled:cursor-not-allowed\"\n              >\n                {isSubmitting ? 'Submitting…' : 'Request Withdrawal'}\n              </button>\n            </div>\n          </div>\n        </div>\n      </div>\n\n      {/* Withdrawal history */}\n      <div className=\"space-y-3\">\n        <div className=\"flex items-center justify-between\">\n          <h2 className=\"text-base font-semibold text-foreground\">Withdrawal History</h2>\n          <button\n            onClick={() => void loadHistory()}\n            className=\"text-sm text-muted-foreground hover:text-foreground transition-colors\"\n            aria-label=\"Refresh withdrawal history\"\n          >\n            <svg className=\"w-4 h-4\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n              <path\n                strokeLinecap=\"round\"\n                strokeLinejoin=\"round\"\n                strokeWidth={2}\n                d=\"M4 4v5h.582m15.356 2A8.001 8.001 0 004.582 9m0 0H9m11 11v-5h-.581m0 0a8.003 8.003 0 01-15.357-2m15.357 2H15\"\n              />\n            </svg>\n          </button>\n        </div>\n\n        {isLoadingHistory ? (\n          <div className=\"space-y-2\">\n            {[1, 2, 3].map((i) => (\n              <div\n                key={i}\n                className=\"h-16 border border-border rounded-lg bg-muted animate-pulse\"\n              />\n            ))}\n          </div>\n        ) : history.length === 0 ? (\n          <div className=\"flex flex-col items-center justify-center py-10 border border-dashed border-border rounded-lg\">\n            <svg\n              className=\"w-8 h-8 text-muted-foreground mb-2\"\n              fill=\"none\"\n              viewBox=\"0 0 24 24\"\n              stroke=\"currentColor\"\n            >\n              <path\n                strokeLinecap=\"round\"\n                strokeLinejoin=\"round\"\n                strokeWidth={1.5}\n                d=\"M9 5H7a2 2 0 00-2 2v12a2 2 0 002 2h10a2 2 0 002-2V7a2 2 0 00-2-2h-2M9 5a2 2 0 002 2h2a2 2 0 002-2M9 5a2 2 0 012-2h2a2 2 0 012 2\"\n              />\n            </svg>\n            <p className=\"text-sm text-muted-foreground\">No withdrawal requests yet</p>\n          </div>\n        ) : (\n          <div className=\"border border-border rounded-lg overflow-hidden\">\n            <table className=\"w-full text-sm\">\n              <thead className=\"bg-muted/50 border-b border-border\">\n                <tr>\n                  <th className=\"text-left px-4 py-3 text-xs font-medium text-muted-foreground uppercase tracking-wide\">\n                    Amount\n                  </th>\n                  <th className=\"text-left px-4 py-3 text-xs font-medium text-muted-foreground uppercase tracking-wide\">\n                    Status\n                  </th>\n                  <th className=\"text-left px-4 py-3 text-xs font-medium text-muted-foreground uppercase tracking-wide hidden sm:table-cell\">\n                    Payout Account\n                  </th>\n                  <th className=\"text-left px-4 py-3 text-xs font-medium text-muted-foreground uppercase tracking-wide hidden md:table-cell\">\n                    Requested\n                  </th>\n                  <th className=\"text-left px-4 py-3 text-xs font-medium text-muted-foreground uppercase tracking-wide hidden md:table-cell\">\n                    Completed\n                  </th>\n                </tr>\n              </thead>\n              <tbody className=\"divide-y divide-border\">\n                {history.map((req) => (\n                  <tr key={req.id} className=\"hover:bg-muted/30 transition-colors\">\n                    <td className=\"px-4 py-3 font-medium text-foreground\">\n                      {req.requestedAmount.toLocaleString()} {req.currency}\n                    </td>\n                    <td className=\"px-4 py-3\">\n                      <span\n                        className={`inline-flex items-center px-2 py-0.5 rounded text-xs font-medium ${getWithdrawalStatusBg(req.status)}`}\n                      >\n                        {req.status.charAt(0) + req.status.slice(1).toLowerCase()}\n                      </span>\n                      {req.failureReason && (\n                        <p\n                          className=\"text-xs text-destructive mt-0.5 max-w-[180px] truncate\"\n                          title={req.failureReason}\n                        >\n                          {req.failureReason}\n                        </p>\n                      )}\n                    </td>\n                    <td className=\"px-4 py-3 text-muted-foreground hidden sm:table-cell\">\n                      {req.payoutAccount ? (\n                        <span>\n                          {req.payoutAccount.label}\n                          {req.payoutAccount.accountLast4\n                            ? ` ···${req.payoutAccount.accountLast4}`\n                            : ''}\n                        </span>\n                      ) : (\n                        '—'\n                      )}\n                    </td>\n                    <td className=\"px-4 py-3 text-muted-foreground hidden md:table-cell\">\n                      <span title={formatDate(req.createdAt, 'long')}>\n                        {formatRelativeTime(req.createdAt)}\n                      </span>\n                    </td>\n                    <td className=\"px-4 py-3 text-muted-foreground hidden md:table-cell\">\n                      {req.paidAt ? 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'bg-gradient-to-br from-primary/5 to-primary/10' : 'bg-card'\n    }`}\n  >\n    <p className=\"text-sm text-muted-foreground\">{label}</p>\n    <p className={`text-2xl font-bold mt-1 ${highlight ? 'text-primary' : 'text-foreground'}`}>\n      {value.toLocaleString()} <span className=\"text-base font-normal\">credits</span>\n    </p>\n    {description && <p className=\"text-xs text-muted-foreground mt-1\">{description}</p>}\n  </div>\n);\n\nfunction getWithdrawalStatusColor(status: string): string {\n  switch (status.toUpperCase()) {\n    case 'PAID':\n      return statusTokens.success.text;\n    case 'APPROVED':\n    case 'PROCESSING':\n      return statusTokens.info.text;\n    case 'REQUESTED':\n      return statusTokens.warning.text;\n    case 'REJECTED':\n    case 'FAILED':\n    case 'CANCELED':\n      return statusTokens.error.text;\n    default:\n      return 'text-muted-foreground';\n  }\n}\n\nfunction getWithdrawalStatusBg(status: string): string {\n  switch (status.toUpperCase()) {\n    case 'PAID':\n      return `${statusTokens.success.bg} ${statusTokens.success.text}`;\n    case 'APPROVED':\n    case 'PROCESSING':\n      return `${statusTokens.info.bg} ${statusTokens.info.text}`;\n    case 'REQUESTED':\n      return `${statusTokens.warning.bg} ${statusTokens.warning.text}`;\n    case 'REJECTED':\n    case 'FAILED':\n    case 'CANCELED':\n      return `${statusTokens.error.bg} ${statusTokens.error.text}`;\n    default:\n      return 'bg-muted text-muted-foreground';\n  }\n}\n\n// ============================================================================\n// Main Page\n// ============================================================================\n\nexport const CreditWithdrawalPage: FC = () => {\n  const permissions = useBillingPermissions();\n  const { billingAccount, isLoading: isLoadingAccount } = useDefaultBillingAccount();\n  const { apiGatewayUrl, authToken, orgId } = useBilling();\n  const { emit } = useBillingEventEmitter();\n\n  // Balance state\n  const [balance, setBalance] = useState<CreditBalanceByType | null>(null);\n  const [isLoadingBalance, setIsLoadingBalance] = useState(false);\n  const [balanceError, setBalanceError] = useState<string | null>(null);\n\n  // Payout accounts state\n  const [payoutAccounts, setPayoutAccounts] = useState<PayoutAccount[]>([]);\n  const [isLoadingAccounts, setIsLoadingAccounts] = useState(false);\n\n  // Withdrawal history state\n  const [history, setHistory] = useState<PayoutRequest[]>([]);\n  const [isLoadingHistory, setIsLoadingHistory] = useState(false);\n\n  // Withdrawal form state\n  const [selectedAccountId, setSelectedAccountId] = useState<string>('');\n  const [creditAmount, setCreditAmount] = useState<string>('');\n  const [notes, setNotes] = useState<string>('');\n  const [isSubmitting, setIsSubmitting] = useState(false);\n  const [submitError, setSubmitError] = useState<string | null>(null);\n  const [submitSuccess, setSubmitSuccess] = useState(false);\n\n  // New payout account form state\n  const [showAddAccount, setShowAddAccount] = useState(false);\n  const [accountForm, setAccountForm] = useState({\n    label: '',\n    type: 'BANK_ACCOUNT' as 'BANK_ACCOUNT' | 'UPI',\n    accountNumber: '',\n    ifscCode: '',\n    routingNumber: '',\n    upiId: '',\n    country: '',\n    currency: 'USD',\n  });\n  const [isAddingAccount, setIsAddingAccount] = useState(false);\n  const [addAccountError, setAddAccountError] = useState<string | null>(null);\n\n  const billingAccountId = billingAccount?.id;\n\n  const getCtx = (): GatewayContext => ({\n    apiGatewayUrl,\n    authToken,\n    orgId,\n  });\n\n  const loadBalance = async () => {\n    if (!billingAccountId) return;\n    setIsLoadingBalance(true);\n    setBalanceError(null);\n    try {\n      const b = await fetchCreditBalanceByType(billingAccountId, getCtx());\n      setBalance(b);\n    } catch (e) {\n      setBalanceError(e instanceof Error ? e.message : 'Failed to load balance');\n    } finally {\n      setIsLoadingBalance(false);\n    }\n  };\n\n  const loadAccounts = async () => {\n    if (!billingAccountId) return;\n    setIsLoadingAccounts(true);\n    try {\n      const accounts = await fetchPayoutAccounts(billingAccountId, getCtx());\n      setPayoutAccounts(accounts);\n      const defaultAcc = accounts.find((a) => a.isDefault) ?? accounts[0];\n      if (defaultAcc) setSelectedAccountId(defaultAcc.id);\n    } catch {\n      // silently fail - user will see empty state\n    } finally {\n      setIsLoadingAccounts(false);\n    }\n  };\n\n  const loadHistory = async () => {\n    if (!billingAccountId) return;\n    setIsLoadingHistory(true);\n    try {\n      const items = await fetchCreditWithdrawalHistory(billingAccountId, getCtx());\n      setHistory(items);\n    } catch {\n      // silently fail\n    } finally {\n      setIsLoadingHistory(false);\n    }\n  };\n\n  useEffect(() => {\n    if (billingAccountId) {\n      void loadBalance();\n      void loadAccounts();\n      void loadHistory();\n    }\n    // eslint-disable-next-line react-hooks/exhaustive-deps\n  }, [billingAccountId]);\n\n  const handleAddAccount = async () => {\n    if (!billingAccountId) return;\n    setAddAccountError(null);\n    setIsAddingAccount(true);\n    try {\n      const details: Record<string, string> = {};\n      const isIndia =\n        accountForm.country.trim().toUpperCase() === 'IN' ||\n        accountForm.country.trim().toLowerCase() === 'india';\n      if (accountForm.type === 'BANK_ACCOUNT') {\n        if (isIndia) {\n          details.accountNumber = accountForm.accountNumber;\n          details.ifscCode = accountForm.ifscCode;\n        } else {\n          details.accountNumber = accountForm.accountNumber;\n          details.routingNumber = accountForm.routingNumber;\n        }\n      } else if (accountForm.type === 'UPI') {\n        details.upiId = accountForm.upiId;\n      }\n\n      await addPayoutAccount(\n        {\n          billingAccountId,\n          label: accountForm.label,\n          type: accountForm.type,\n          country: accountForm.country,\n          currency: accountForm.currency,\n          accountDetails: details,\n        },\n        getCtx()\n      );\n      emit('billing.payout_account.added', {\n        route: '/billing/credits/withdraw',\n        entityId: billingAccountId,\n        source: 'credit-withdrawal',\n      });\n      await loadAccounts();\n      setShowAddAccount(false);\n      setAccountForm({\n        label: '',\n        type: 'BANK_ACCOUNT' as 'BANK_ACCOUNT' | 'UPI',\n        accountNumber: '',\n        ifscCode: '',\n        routingNumber: '',\n        upiId: '',\n        country: '',\n        currency: 'USD',\n      });\n    } catch (e) {\n      setAddAccountError(e instanceof Error ? e.message : 'Failed to add account');\n    } finally {\n      setIsAddingAccount(false);\n    }\n  };\n\n  const handleWithdraw = async () => {\n    if (!billingAccountId || !selectedAccountId) return;\n    const amount = parseFloat(creditAmount);\n    if (!amount || amount <= 0) return;\n\n    setSubmitError(null);\n    setIsSubmitting(true);\n    try {\n      const withdrawal = await requestCreditWithdrawal(\n        {\n          billingAccountId,\n          creditAmount: amount,\n          payoutAccountId: selectedAccountId,\n          notes: notes || undefined,\n        },\n        getCtx()\n      );\n      emit('billing.credits.withdrawal_requested', {\n        route: '/billing/credits/withdraw',\n        entityId: withdrawal.id,\n        source: 'credit-withdrawal',\n        amount,\n      });\n      setSubmitSuccess(true);\n      setCreditAmount('');\n      setNotes('');\n      await loadBalance();\n      await loadHistory();\n    } catch (e) {\n      setSubmitError(e instanceof Error ? e.message : 'Withdrawal request failed');\n    } finally {\n      setIsSubmitting(false);\n    }\n  };\n\n  // Permission check\n  if (!permissions.canWithdrawCredits) {\n    return (\n      <div className=\"flex items-center justify-center h-full min-h-[400px]\">\n        <div className=\"text-center space-y-2\">\n          <div className=\"w-12 h-12 mx-auto rounded-full bg-muted flex items-center justify-center\">\n            <svg\n              className=\"w-6 h-6 text-muted-foreground\"\n              fill=\"none\"\n              viewBox=\"0 0 24 24\"\n              stroke=\"currentColor\"\n            >\n              <path\n                strokeLinecap=\"round\"\n                strokeLinejoin=\"round\"\n                strokeWidth={2}\n                d=\"M12 15v2m-6 4h12a2 2 0 002-2v-6a2 2 0 00-2-2H6a2 2 0 00-2 2v6a2 2 0 002 2zm10-10V7a4 4 0 00-8 0v4h8z\"\n              />\n            </svg>\n          </div>\n          <h2 className=\"text-lg font-semibold text-foreground\">Access Denied</h2>\n          <p className=\"text-sm text-muted-foreground\">\n            You don&apos;t have permission to withdraw credits.\n          </p>\n        </div>\n      </div>\n    );\n  }\n\n  if (isLoadingAccount && !billingAccount) {\n    return (\n      <div className=\"space-y-6 p-6\">\n        <div className=\"h-8 w-64 bg-muted animate-pulse rounded\" />\n        <div className=\"grid grid-cols-2 lg:grid-cols-4 gap-4\">\n          {[1, 2, 3, 4].map((i) => (\n            <div key={i} className=\"border border-border rounded-lg p-5\">\n              <div className=\"h-4 w-24 bg-muted animate-pulse rounded mb-2\" />\n              <div className=\"h-8 w-32 bg-muted animate-pulse rounded\" />\n            </div>\n          ))}\n        </div>\n      </div>\n    );\n  }\n\n  const withdrawable = balance?.withdrawable ?? 0;\n  const amount = parseFloat(creditAmount) || 0;\n  const amountValid = amount > 0 && amount <= withdrawable;\n  const activeAccounts = payoutAccounts.filter((a) => a.status !== 'ARCHIVED');\n\n  return (\n    <div className=\"space-y-6 p-6\">\n      {/* Header */}\n      <div>\n        <h1 className=\"text-2xl font-bold text-foreground\">Withdraw Credits</h1>\n        <p className=\"text-sm text-muted-foreground mt-1\">\n          Convert your withdrawable credits (purchased &amp; earned) to a payout\n        </p>\n      </div>\n\n      {/* Balance breakdown */}\n      <div className=\"grid grid-cols-2 lg:grid-cols-4 gap-4\">\n        {isLoadingBalance ? (\n          [1, 2, 3, 4].map((i) => (\n            <div key={i} className=\"border border-border rounded-lg p-5\">\n              <div className=\"h-4 w-20 bg-muted animate-pulse rounded mb-2\" />\n              <div className=\"h-8 w-28 bg-muted animate-pulse rounded\" />\n            </div>\n          ))\n        ) : balanceError ? (\n          <div className=\"col-span-4 text-sm text-destructive\">{balanceError}</div>\n        ) : (\n          <>\n            <BalanceCard\n              label=\"Purchased\"\n              value={balance?.purchased ?? 0}\n              description=\"From credit purchases\"\n            />\n            <BalanceCard\n              label=\"Earned\"\n              value={balance?.earned ?? 0}\n              description=\"From sales & referrals\"\n            />\n            <BalanceCard\n              label=\"Granted\"\n              value={balance?.granted ?? 0}\n              description=\"Coupons & admin grants — non-withdrawable\"\n            />\n            <BalanceCard\n              label=\"Withdrawable\"\n              value={withdrawable}\n              description=\"Purchased + earned\"\n              highlight\n            />\n          </>\n        )}\n      </div>\n\n      {/* Success banner */}\n      {submitSuccess && (\n        <div className=\"flex items-center gap-3 p-4 rounded-lg bg-status-success-bg-subtle border border-status-success-border text-status-success-text\">\n          <svg className=\"w-5 h-5 shrink-0\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n            <path strokeLinecap=\"round\" strokeLinejoin=\"round\" strokeWidth={2} d=\"M5 13l4 4L19 7\" />\n          </svg>\n          <div>\n            <p className=\"font-medium\">Withdrawal request submitted</p>\n            <p className=\"text-sm opacity-80\">Our team will review and process your request.</p>\n          </div>\n          <button\n            onClick={() => setSubmitSuccess(false)}\n            className=\"ml-auto text-current opacity-60 hover:opacity-100\"\n          >\n            <svg className=\"w-4 h-4\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n              <path\n                strokeLinecap=\"round\"\n                strokeLinejoin=\"round\"\n                strokeWidth={2}\n                d=\"M6 18L18 6M6 6l12 12\"\n              />\n            </svg>\n          </button>\n        </div>\n      )}\n\n      {/* Main two-column layout */}\n      <div className=\"grid grid-cols-1 lg:grid-cols-2 gap-6\">\n        {/* Left: Payout account management */}\n        <div className=\"space-y-4\">\n          <div className=\"flex items-center justify-between\">\n            <h2 className=\"text-base font-semibold text-foreground\">Payout Account</h2>\n            <button\n              onClick={() => setShowAddAccount((v) => !v)}\n              className=\"text-sm text-primary hover:underline\"\n            >\n              {showAddAccount ? 'Cancel' : '+ Add new'}\n            </button>\n          </div>\n\n          {/* Add account form */}\n          {showAddAccount && (\n            <div className=\"border border-border rounded-lg p-4 space-y-3 bg-muted/30\">\n              <h3 className=\"text-sm font-medium text-foreground\">New Payout Account</h3>\n\n              <div>\n                <label className=\"block text-xs text-muted-foreground mb-1\">Label</label>\n                <input\n                  type=\"text\"\n                  value={accountForm.label}\n                  onChange={(e) => setAccountForm((f) => ({ ...f, label: e.target.value }))}\n                  placeholder=\"e.g. My Bank Account\"\n                  className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n                />\n              </div>\n\n              <div className=\"grid grid-cols-2 gap-3\">\n                <div>\n                  <label className=\"block text-xs text-muted-foreground mb-1\">Type</label>\n                  <select\n                    value={accountForm.type}\n                    onChange={(e) =>\n                      setAccountForm((f) => ({\n                        ...f,\n                        type: e.target.value as typeof accountForm.type,\n                      }))\n                    }\n                    className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n                  >\n                    <option value=\"BANK_ACCOUNT\">Bank Account</option>\n                    <option value=\"UPI\">UPI</option>\n                  </select>\n                </div>\n\n                <div>\n                  <label className=\"block text-xs text-muted-foreground mb-1\">Country</label>\n                  <input\n                    type=\"text\"\n                    value={accountForm.country}\n                    onChange={(e) => setAccountForm((f) => ({ ...f, country: e.target.value }))}\n                    placeholder=\"e.g. India, US, UK\"\n                    className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n                  />\n                </div>\n              </div>\n\n              {accountForm.type === 'BANK_ACCOUNT' && (\n                <>\n                  <div>\n                    <label className=\"block text-xs text-muted-foreground mb-1\">\n                      Account Number\n                    </label>\n                    <input\n                      type=\"text\"\n                      value={accountForm.accountNumber}\n                      onChange={(e) =>\n                        setAccountForm((f) => ({ ...f, accountNumber: e.target.value }))\n                      }\n                      placeholder=\"Account number\"\n                      className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n                    />\n                  </div>\n                  {accountForm.country.trim().toUpperCase() === 'IN' ||\n                  accountForm.country.trim().toLowerCase() === 'india' ? (\n                    <div>\n                      <label className=\"block text-xs text-muted-foreground mb-1\">IFSC Code</label>\n                      <input\n                        type=\"text\"\n                        value={accountForm.ifscCode}\n                        onChange={(e) =>\n                          setAccountForm((f) => ({ ...f, ifscCode: e.target.value.toUpperCase() }))\n                        }\n                        placeholder=\"e.g. SBIN0001234\"\n                        className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n                      />\n                    </div>\n                  ) : (\n                    <div>\n                      <label className=\"block text-xs text-muted-foreground mb-1\">\n                        Routing Number\n                      </label>\n                      <input\n                        type=\"text\"\n                        value={accountForm.routingNumber}\n                        onChange={(e) =>\n                          setAccountForm((f) => ({ ...f, routingNumber: e.target.value }))\n                        }\n                        placeholder=\"Routing / sort code\"\n                        className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n                      />\n                    </div>\n                  )}\n                </>\n              )}\n\n              {accountForm.type === 'UPI' && (\n                <div>\n                  <label className=\"block text-xs text-muted-foreground mb-1\">UPI ID</label>\n                  <input\n                    type=\"text\"\n                    value={accountForm.upiId}\n                    onChange={(e) => setAccountForm((f) => ({ ...f, upiId: e.target.value }))}\n                    placeholder=\"yourname@upi\"\n                    className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n                  />\n                </div>\n              )}\n\n              {addAccountError && <p className=\"text-xs text-destructive\">{addAccountError}</p>}\n\n              <button\n                onClick={() => void handleAddAccount()}\n                disabled={isAddingAccount || !accountForm.label}\n                className=\"w-full py-2 text-sm font-medium bg-primary text-primary-foreground rounded-md hover:bg-primary/90 transition-colors disabled:opacity-50 disabled:cursor-not-allowed\"\n              >\n                {isAddingAccount ? 'Saving…' : 'Save Account'}\n              </button>\n            </div>\n          )}\n\n          {/* Existing accounts */}\n          {isLoadingAccounts ? (\n            <div className=\"space-y-2\">\n              {[1, 2].map((i) => (\n                <div\n                  key={i}\n                  className=\"h-16 border border-border rounded-lg bg-muted animate-pulse\"\n                />\n              ))}\n            </div>\n          ) : activeAccounts.length === 0 && !showAddAccount ? (\n            <div className=\"flex flex-col items-center justify-center py-8 border border-dashed border-border rounded-lg\">\n              <svg\n                className=\"w-8 h-8 text-muted-foreground mb-2\"\n                fill=\"none\"\n                viewBox=\"0 0 24 24\"\n                stroke=\"currentColor\"\n              >\n                <path\n                  strokeLinecap=\"round\"\n                  strokeLinejoin=\"round\"\n                  strokeWidth={1.5}\n                  d=\"M3 10h18M7 15h1m4 0h1m-7 4h12a3 3 0 003-3V8a3 3 0 00-3-3H6a3 3 0 00-3 3v8a3 3 0 003 3z\"\n                />\n              </svg>\n              <p className=\"text-sm text-muted-foreground\">No payout accounts yet</p>\n              <button\n                onClick={() => setShowAddAccount(true)}\n                className=\"mt-2 text-sm text-primary hover:underline\"\n              >\n                Add a bank account or UPI\n              </button>\n            </div>\n          ) : (\n            <div className=\"space-y-2\">\n              {activeAccounts.map((account) => (\n                <button\n                  key={account.id}\n                  onClick={() => setSelectedAccountId(account.id)}\n                  className={`w-full text-left p-4 border rounded-lg transition-colors ${\n                    selectedAccountId === account.id\n                      ? 'border-primary bg-primary/5'\n                      : 'border-border bg-card hover:border-primary/40'\n                  }`}\n                >\n                  <div className=\"flex items-center justify-between\">\n                    <div>\n                      <p className=\"text-sm font-medium text-foreground\">{account.label}</p>\n                      <p className=\"text-xs text-muted-foreground mt-0.5\">\n                        {account.type.replaceAll('_', ' ')}\n                        {account.displayName ? ` · ${account.displayName}` : ''}\n                        {account.accountLast4 ? ` ···${account.accountLast4}` : ''}\n                        {account.country ? ` · ${account.country}` : ''}\n                      </p>\n                    </div>\n                    <div className=\"flex items-center gap-2\">\n                      {account.isDefault && (\n                        <span className=\"text-xs px-2 py-0.5 rounded bg-primary/10 text-primary font-medium\">\n                          Default\n                        </span>\n                      )}\n                      <span\n                        className={`text-xs px-2 py-0.5 rounded font-medium ${\n                          account.status === 'ACTIVE'\n                            ? `${statusTokens.success.bg} ${statusTokens.success.text}`\n                            : account.status === 'PENDING_VERIFICATION'\n                              ? `${statusTokens.warning.bg} ${statusTokens.warning.text}`\n                              : `${statusTokens.error.bg} ${statusTokens.error.text}`\n                        }`}\n                      >\n                        {account.status.replaceAll('_', ' ').toLowerCase()}\n                      </span>\n                      {selectedAccountId === account.id && (\n                        <svg\n                          className=\"w-4 h-4 text-primary shrink-0\"\n                          fill=\"none\"\n                          viewBox=\"0 0 24 24\"\n                          stroke=\"currentColor\"\n                        >\n                          <path\n                            strokeLinecap=\"round\"\n                            strokeLinejoin=\"round\"\n                            strokeWidth={2}\n                            d=\"M5 13l4 4L19 7\"\n                          />\n                        </svg>\n                      )}\n                    </div>\n                  </div>\n                </button>\n              ))}\n            </div>\n          )}\n        </div>\n\n        {/* Right: Withdrawal request form */}\n        <div className=\"space-y-4\">\n          <h2 className=\"text-base font-semibold text-foreground\">Request Withdrawal</h2>\n\n          <div className=\"border border-border rounded-lg p-5 bg-card space-y-4\">\n            <div>\n              <label className=\"block text-sm font-medium text-foreground mb-1\">\n                Credits to Withdraw\n              </label>\n              <input\n                type=\"number\"\n                min={1}\n                max={withdrawable}\n                step={1}\n                value={creditAmount}\n                onChange={(e) => setCreditAmount(e.target.value)}\n                placeholder=\"Enter credit amount\"\n                className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30\"\n              />\n              <p className=\"text-xs text-muted-foreground mt-1\">\n                Max withdrawable:{' '}\n                <span className=\"font-medium\">{withdrawable.toLocaleString()} credits</span>\n              </p>\n              {amount > 0 && amount > withdrawable && (\n                <p className=\"text-xs text-destructive mt-1\">\n                  Amount exceeds your withdrawable balance\n                </p>\n              )}\n            </div>\n\n            <div>\n              <label className=\"block text-sm font-medium text-foreground mb-1\">\n                Notes <span className=\"text-muted-foreground font-normal\">(optional)</span>\n              </label>\n              <textarea\n                value={notes}\n                onChange={(e) => setNotes(e.target.value)}\n                placeholder=\"Any notes for this withdrawal request\"\n                rows={2}\n                className=\"w-full px-3 py-2 text-sm border border-border rounded-md bg-background text-foreground focus:outline-none focus:ring-2 focus:ring-primary/30 resize-none\"\n              />\n            </div>\n\n            {submitError && (\n              <div className=\"p-3 rounded-md bg-destructive/10 border border-destructive/20\">\n                <p className=\"text-sm text-destructive\">{submitError}</p>\n              </div>\n            )}\n\n            <div className=\"pt-1 border-t border-border\">\n              <p className=\"text-xs text-muted-foreground mb-3\">\n                Credits will be converted to USD at the current credit rate. Withdrawals are\n                reviewed before processing and may take 3–5 business days.\n              </p>\n              <button\n                onClick={() => void handleWithdraw()}\n                disabled={\n                  isSubmitting || !amountValid || !selectedAccountId || activeAccounts.length === 0\n                }\n                className=\"w-full py-2.5 text-sm font-medium bg-primary text-primary-foreground rounded-md hover:bg-primary/90 transition-colors disabled:opacity-50 disabled:cursor-not-allowed\"\n              >\n                {isSubmitting ? 'Submitting…' : 'Request Withdrawal'}\n              </button>\n            </div>\n          </div>\n        </div>\n      </div>\n\n      {/* Withdrawal history */}\n      <div className=\"space-y-3\">\n        <div className=\"flex items-center justify-between\">\n          <h2 className=\"text-base font-semibold text-foreground\">Withdrawal History</h2>\n          <button\n            onClick={() => void loadHistory()}\n            className=\"text-sm text-muted-foreground hover:text-foreground transition-colors\"\n            aria-label=\"Refresh withdrawal history\"\n          >\n            <svg className=\"w-4 h-4\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n              <path\n                strokeLinecap=\"round\"\n                strokeLinejoin=\"round\"\n                strokeWidth={2}\n                d=\"M4 4v5h.582m15.356 2A8.001 8.001 0 004.582 9m0 0H9m11 11v-5h-.581m0 0a8.003 8.003 0 01-15.357-2m15.357 2H15\"\n              />\n            </svg>\n          </button>\n        </div>\n\n        {isLoadingHistory ? (\n          <div className=\"space-y-2\">\n            {[1, 2, 3].map((i) => (\n              <div\n                key={i}\n                className=\"h-16 border border-border rounded-lg bg-muted animate-pulse\"\n              />\n            ))}\n          </div>\n        ) : history.length === 0 ? (\n          <div className=\"flex flex-col items-center justify-center py-10 border border-dashed border-border rounded-lg\">\n            <svg\n              className=\"w-8 h-8 text-muted-foreground mb-2\"\n              fill=\"none\"\n              viewBox=\"0 0 24 24\"\n              stroke=\"currentColor\"\n            >\n              <path\n                strokeLinecap=\"round\"\n                strokeLinejoin=\"round\"\n                strokeWidth={1.5}\n                d=\"M9 5H7a2 2 0 00-2 2v12a2 2 0 002 2h10a2 2 0 002-2V7a2 2 0 00-2-2h-2M9 5a2 2 0 002 2h2a2 2 0 002-2M9 5a2 2 0 012-2h2a2 2 0 012 2\"\n              />\n            </svg>\n            <p className=\"text-sm text-muted-foreground\">No withdrawal requests yet</p>\n          </div>\n        ) : (\n          <div className=\"border border-border rounded-lg overflow-hidden\">\n            <table className=\"w-full text-sm\">\n              <thead className=\"bg-muted/50 border-b border-border\">\n                <tr>\n                  <th className=\"text-left px-4 py-3 text-xs font-medium text-muted-foreground uppercase tracking-wide\">\n                    Amount\n                  </th>\n                  <th className=\"text-left px-4 py-3 text-xs font-medium text-muted-foreground uppercase tracking-wide\">\n                    Status\n                  </th>\n                  <th className=\"text-left px-4 py-3 text-xs font-medium text-muted-foreground uppercase tracking-wide hidden sm:table-cell\">\n                    Payout Account\n                  </th>\n                  <th className=\"text-left px-4 py-3 text-xs font-medium text-muted-foreground uppercase tracking-wide hidden md:table-cell\">\n                    Requested\n                  </th>\n                  <th className=\"text-left px-4 py-3 text-xs font-medium text-muted-foreground uppercase tracking-wide hidden md:table-cell\">\n                    Completed\n                  </th>\n                </tr>\n              </thead>\n              <tbody className=\"divide-y divide-border\">\n                {history.map((req) => (\n                  <tr key={req.id} className=\"hover:bg-muted/30 transition-colors\">\n                    <td className=\"px-4 py-3 font-medium text-foreground\">\n                      {req.requestedAmount.toLocaleString()} {req.currency}\n                    </td>\n                    <td className=\"px-4 py-3\">\n                      <span\n                        className={`inline-flex items-center px-2 py-0.5 rounded text-xs font-medium ${getWithdrawalStatusBg(req.status)}`}\n                      >\n                        {req.status.charAt(0) + req.status.slice(1).toLowerCase()}\n                      </span>\n                      {req.failureReason && (\n                        <p\n                          className=\"text-xs text-destructive mt-0.5 max-w-[180px] truncate\"\n                          title={req.failureReason}\n                        >\n                          {req.failureReason}\n                        </p>\n                      )}\n                    </td>\n                    <td className=\"px-4 py-3 text-muted-foreground hidden sm:table-cell\">\n                      {req.payoutAccount ? (\n                        <span>\n                          {req.payoutAccount.label}\n                          {req.payoutAccount.accountLast4\n                            ? ` ···${req.payoutAccount.accountLast4}`\n                            : ''}\n                        </span>\n                      ) : (\n                        '—'\n                      )}\n                    </td>\n                    <td className=\"px-4 py-3 text-muted-foreground hidden md:table-cell\">\n                      <span title={formatDate(req.createdAt, 'long')}>\n                        {formatRelativeTime(req.createdAt)}\n                      </span>\n                    </td>\n                    <td className=\"px-4 py-3 text-muted-foreground hidden md:table-cell\">\n                      {req.paidAt ? 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package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@burdenoff/microfe-billing",
-  "version": "2026.515.1",
+  "version": "2026.515.3",
   "description": "Billing microfrontend for Burdenoff products",
   "type": "module",
   "files": [