@capxul/mcp 4.20.0-beta.31 → 4.20.0-beta.33

package/dist/{organizations-5k-F_fa-.mjs → organizations-CO1ss3tQ.mjs}

@@ -357,6 +357,9 @@ function decodeUrlComponent(text) {
 		return text;
 	}
 }
+function isCoinbaseRpcPath(hostname, segments) {
+	return hostname === "api.developer.coinbase.com" && decodeUrlComponent(segments[1] ?? "") === "rpc" && decodeUrlComponent(segments[2] ?? "") === "v1";
+}
 /** Preserve URL diagnostics while removing credentials from their declared components. */
 function redactUrlSecrets(value, source) {
 	try {
@@ -374,9 +377,10 @@ function redactUrlSecrets(value, source) {
 		const provider = source === "alchemy" || source === "infura" || /(?:^|\.)(?:alchemy\.com|alchemyapi\.io|infura\.io)$/iu.test(url.hostname);
 		const rawPath = absolute || protocolRelative ? url.pathname : value.split(/[?#]/u)[0] ?? "";
 		const segments = rawPath.split("/");
+		const coinbaseRpc = isCoinbaseRpcPath(url.hostname, segments);
 		let path = segments.map((segment, index) => {
 			const decoded = decodeUrlComponent(segment);
-			const masked = provider && /^v[23]$/u.test(decodeUrlComponent(segments[index - 1] ?? "")) && decoded.length > 0 ? "[REDACTED]" : maskText(decoded);
+			const masked = (provider && /^v[23]$/u.test(decodeUrlComponent(segments[index - 1] ?? "")) || coinbaseRpc && index === 4) && decoded.length > 0 ? "[REDACTED]" : maskText(decoded);
 			changed ||= masked !== decoded;
 			return masked === decoded ? segment : encodeURIComponent(masked);
 		}).join("/");
@@ -2953,6 +2957,8 @@ function isEvmAddress(raw) {
 const ASSET_ID_RE$1 = /^eip155:([1-9][0-9]*)\/erc20:(0x[0-9a-f]{40})$/;
 const CURRENCY_SYMBOLS = {
 	USD: "$",
+	EUR: "€",
+	GBP: "£",
 	NGN: "NGN",
 	GHS: "GHS",
 	KES: "KSh",
@@ -2964,6 +2970,16 @@ const CURRENCY_SYMBOLS = {
 		symbol: CURRENCY_SYMBOLS.USD,
 		name: "US Dollar"
 	},
+	{
+		code: "EUR",
+		symbol: CURRENCY_SYMBOLS.EUR,
+		name: "Euro"
+	},
+	{
+		code: "GBP",
+		symbol: CURRENCY_SYMBOLS.GBP,
+		name: "British Pound"
+	},
 	{
 		code: "NGN",
 		symbol: CURRENCY_SYMBOLS.NGN,
@@ -3057,6 +3073,13 @@ const AssetAmountSchema = Schema.Struct({
 	currency: Schema.optional(Schema.Never),
 	decimals: Schema.optional(Schema.Never)
 });
+/** Fiat value. Currency never selects or aliases an asset. */
+const MoneySchema = Schema.Struct({
+	currency: CurrencyCodeSchema$1,
+	value: DecimalStringSchema,
+	decimals: Schema.Finite.check(Schema.makeFilter((value) => Number.isSafeInteger(value) && value >= 0 && value <= 255, { message: "must be an integer between 0 and 255" })),
+	asset: Schema.optional(Schema.Never)
+});
 //#endregion
 //#region ../../packages/protocol/src/primitives/brand-schema.ts
 const lowercasedString = Schema.String.pipe(Schema.decodeTo(Schema.String, {
@@ -3133,6 +3156,46 @@ function decodedBase64Size(value) {
 }
 const CanonicalBase64Schema = Schema.String.check(Schema.makeFilter((value) => value.length > 0 && CANONICAL_BASE64_RE.test(value) && decodedBase64Size(value) <= 131072, { message: "must be canonical padded RFC 4648 base64 of at most 128 KiB" }));
 //#endregion
+//#region ../../packages/protocol/src/documents/money-invoice-schema.ts
+const SIGNATURE_RE$1 = /^0x[0-9a-f]{130}$/;
+const FiatAmountV3Schema = Schema.Struct({
+	denomination: Schema.Literal(0),
+	currency: CurrencyCodeSchema$1,
+	asset: Schema.Literal(""),
+	minorUnits: Uint256StringSchema$1,
+	decimals: Uint8V3Schema
+});
+const MoneyInvoiceEnvelopeV5Schema = Schema.Struct({
+	protocol: Schema.Literal("capxul.payment-document"),
+	version: Schema.Literal(5),
+	domain: Schema.Struct({
+		name: Schema.Literal("CapxulFinancialDocument"),
+		version: Schema.Literal("5"),
+		chainId: ChainIdSchema$1,
+		salt: Schema.Literal("0x7b0fd8a8c3880e03dc03661ad8d3bad2f865203f70562ac8cc01527168b464a3")
+	}),
+	primaryType: Schema.Literal("Invoice"),
+	message: Schema.Struct({
+		kind: Schema.Literal(1),
+		originId: CanonicalBytes32V3Schema,
+		issuedAt: Uint64V3Schema,
+		invoiceNumber: ReferenceV3Schema,
+		payerRef: AssertionV3Schema,
+		payeeRef: AssertionV3Schema,
+		amount: FiatAmountV3Schema,
+		receivingAccountId: ReferenceV3Schema,
+		target: CanonicalAddressV3Schema,
+		dueAt: Uint64V3Schema,
+		lineItemsHash: CanonicalBytes32V3Schema,
+		note: NoteV3Schema,
+		discountMinor: Uint256StringSchema$1
+	}),
+	signature: Schema.optional(Schema.Struct({
+		signer: CanonicalAddressV3Schema,
+		value: Schema.String.pipe(Schema.refine((value) => SIGNATURE_RE$1.test(value)))
+	}))
+});
+//#endregion
 //#region ../../packages/protocol/src/documents/schema.ts
 const SIGNATURE_RE = /^0x[0-9a-f]{130}$/;
 const PaymentDocumentDomainV3Schema = Schema.Struct({
@@ -3146,13 +3209,7 @@ const ExactAssetV3Schema = Schema.Struct({
 	minorUnits: Uint256StringSchema$1,
 	decimals: Uint8V3Schema
 });
-const ReceiptAmountV3Schema = Schema.Union([Schema.Struct({
-	denomination: Schema.Literal(0),
-	currency: CurrencyCodeSchema$1,
-	asset: Schema.Literal(""),
-	minorUnits: Uint256StringSchema$1,
-	decimals: Uint8V3Schema
-}), Schema.Struct({
+const ReceiptAmountV3Schema = Schema.Union([FiatAmountV3Schema, Schema.Struct({
 	denomination: Schema.Literal(1),
 	currency: Schema.Literal(""),
 	asset: AssetIdSchema,
@@ -3270,7 +3327,11 @@ const InvoiceEnvelopeV4Schema = Schema.Struct({
 	}),
 	signature: Schema.optional(SignatureV3Schema)
 });
-const SupportedPaymentDocumentEnvelopeSchema = Schema.Union([PaymentDocumentEnvelopeV3Schema, InvoiceEnvelopeV4Schema]);
+const SupportedPaymentDocumentEnvelopeSchema = Schema.Union([
+	PaymentDocumentEnvelopeV3Schema,
+	InvoiceEnvelopeV4Schema,
+	MoneyInvoiceEnvelopeV5Schema
+]);
 //#endregion
 //#region ../../packages/protocol/src/documents/read-schema.ts
 const DocumentRefV3Schema = Schema.Struct({
@@ -3285,6 +3346,7 @@ const DocumentRefV3Schema = Schema.Struct({
 	format: Schema.Literals([
 		"envelope-v3",
 		"envelope-v4",
+		"envelope-v5",
 		"artifact"
 	]),
 	role: Schema.Literals([
@@ -3294,6 +3356,13 @@ const DocumentRefV3Schema = Schema.Struct({
 	]),
 	issuedAt: Schema.NullOr(Uint64V3Schema)
 });
+function paymentDocumentEnvelopeFormat(envelope) {
+	switch (envelope.version) {
+		case 3: return "envelope-v3";
+		case 4: return "envelope-v4";
+		case 5: return "envelope-v5";
+	}
+}
 const PaymentDocumentReadRefSchema = Schema.Struct({
 	documentHash: CanonicalBytes32V3Schema,
 	contentHash: CanonicalBytes32V3Schema
@@ -3399,22 +3468,32 @@ const OrganizationActorRefSchema = Schema.Struct({
 	orgId: nonEmpty("orgId")
 });
 const ActorRefSchema = Schema.Union([AccountActorRefSchema, OrganizationActorRefSchema]);
+const PartyAccountRefSchema$1 = Schema.Struct({
+	kind: Schema.Literal("party_account"),
+	partyAccountId: nonEmpty("partyAccountId")
+});
 const hasActorBoundPermission = (actor, orgId, permissionId) => actor.kind === "organization" ? orgId === actor.orgId && permissionId !== void 0 : orgId === void 0 && permissionId === void 0;
-const ActorOrDestinationRefSchema = Schema.Union([ActorRefSchema, Schema.Struct({
-	kind: Schema.Literal("destination"),
-	destinationId: nonEmpty("destinationId")
-})]);
+const ActorOrDestinationRefSchema = Schema.Union([
+	ActorRefSchema,
+	Schema.Struct({
+		kind: Schema.Literal("destination"),
+		destinationId: nonEmpty("destinationId")
+	}),
+	PartyAccountRefSchema$1
+]);
 const RecipientObservationSchema = Schema.Struct({
 	recipient_locator_kind: Schema.Literals([
 		"handle",
 		"email",
 		"party",
-		"address"
+		"address",
+		"party_account"
 	]),
 	recipient_resolution_status: Schema.Literals([
 		"known_party",
 		"new_email",
-		"external_address"
+		"external_address",
+		"bank_account"
 	]),
 	recipient_is_capxul_account: Schema.Boolean,
 	recipient_party_id: Schema.optional(Schema.String),
@@ -3425,6 +3504,7 @@ const RecipientObservationSchema = Schema.Struct({
 	])),
 	recipient_handle: Schema.optional(Schema.String),
 	recipient_address: AddressSchema$1,
+	party_account_id: Schema.optional(Schema.String),
 	external_address_acknowledged: Schema.Boolean
 });
 //#endregion
@@ -3600,7 +3680,7 @@ const PartySchema = Schema.Struct({
 	status: Schema.Literals(["provisional", "claimed"]),
 	displayName: Schema.NullOr(Schema.String),
 	handle: Schema.NullOr(Schema.String),
-	safeAddress: Schema.String
+	safeAddress: Schema.optionalKey(Schema.String)
 });
 //#endregion
 //#region ../../packages/protocol/src/time/schema.ts
@@ -3618,6 +3698,7 @@ const DurationMsSchema$1 = Schema.Finite.pipe(Schema.refine((n) => Number.isSafe
 const PAYMENT_STATUSES = [
 	"pending",
 	"settling",
+	"in_transit",
 	"unresolved",
 	"scheduled",
 	"streaming",
@@ -3686,14 +3767,22 @@ const PAYMENT_TYPE_FOR_DOCUMENT_KIND = {
 function paymentTypeForDocumentKind(kind) {
 	return PAYMENT_TYPE_FOR_DOCUMENT_KIND[kind];
 }
-const PaymentRecipient = Schema.Union([Schema.Struct({
-	kind: Schema.Literal("party"),
-	partyId: PartyIdSchema,
-	label: Schema.String
-}), Schema.Struct({
-	kind: Schema.Literal("external_address"),
-	label: Schema.String
-})]);
+const PaymentRecipient = Schema.Union([
+	Schema.Struct({
+		kind: Schema.Literal("party"),
+		partyId: PartyIdSchema,
+		label: Schema.String
+	}),
+	Schema.Struct({
+		kind: Schema.Literal("external_address"),
+		label: Schema.String
+	}),
+	Schema.Struct({
+		kind: Schema.Literal("party_account"),
+		partyAccountId: Schema.String,
+		label: Schema.String
+	})
+]);
 /** When a Payment's money is released: now, at one time, or streamed over a window. */
 const PaymentTiming = Schema.Union([
 	Schema.Struct({ kind: Schema.Literal("instant") }),
@@ -3725,7 +3814,8 @@ const PaymentRef = Schema.Union([
 	Schema.Struct({
 		kind: Schema.Literal("party"),
 		partyId: PartyIdSchema
-	})
+	}),
+	PartyAccountRefSchema$1
 ]);
 /** One Payment as a participant reads it. */
 const Payment = Schema.Struct({
@@ -3754,9 +3844,27 @@ const Payment = Schema.Struct({
 		retryRequired: Schema.Boolean,
 		notSent: Schema.optionalKey(Schema.Literal(true))
 	})),
+	requestedOutput: Schema.optionalKey(MoneySchema),
+	outputExact: Schema.optionalKey(Schema.Boolean),
+	recipientOnCapxul: Schema.optionalKey(Schema.Boolean),
+	recipientWarning: Schema.optionalKey(Schema.Boolean),
+	legs: Schema.optionalKey(Schema.Array(Schema.Struct({
+		kind: Schema.Literals(["funding", "delivery"]),
+		state: Schema.Literals([
+			"pending",
+			"done",
+			"failed",
+			"refunded"
+		])
+	}))),
+	links: Schema.optionalKey(Schema.Struct({
+		quoteId: Schema.String,
+		railOperationId: Schema.String,
+		refundMovementId: Schema.optionalKey(Schema.String)
+	})),
 	createdAt: EpochMsSchema$1,
 	updatedAt: EpochMsSchema$1
-}).pipe(Schema.check(Schema.makeFilter((payment) => payment.documents.every((document) => document.role !== "instruction" || document.kind === "memo" || paymentTypeForDocumentKind(document.kind) === payment.paymentType), { message: "document kind must map to paymentType" })));
+}).pipe(Schema.check(Schema.makeFilter((payment) => payment.documents.every((document) => document.role !== "instruction" || document.kind === "memo" || paymentTypeForDocumentKind(document.kind) === payment.paymentType), { message: "document kind must map to paymentType" }), Schema.makeFilter((payment) => payment.recipient.kind === "party_account" ? payment.requestedOutput !== void 0 && payment.outputExact !== void 0 && payment.recipientOnCapxul !== void 0 && payment.recipientWarning !== void 0 && payment.links !== void 0 && payment.legs?.length === 2 && payment.legs[0]?.kind === "funding" && payment.legs[1]?.kind === "delivery" : payment.requestedOutput === void 0 && payment.outputExact === void 0 && payment.recipientOnCapxul === void 0 && payment.recipientWarning === void 0 && payment.links === void 0 && payment.legs === void 0, { message: "Bank payout Payments require their quote, output and two rail legs" })));
 //#endregion
 //#region ../../packages/protocol/src/payments/model.ts
 function toPaymentId(raw) {
@@ -3837,7 +3945,11 @@ const ActivityItemSchema = Schema.Union([Schema.Struct({
 }), Schema.Struct({
 	kind: Schema.Literal("movement"),
 	id: Schema.String,
-	classification: Schema.Literals(["deposit", "movement_only_outflow"]),
+	classification: Schema.Literals([
+		"deposit",
+		"refund",
+		"movement_only_outflow"
+	]),
 	amount: Amount,
 	direction: Direction,
 	counterpartyLabel: Schema.String,
@@ -3997,7 +4109,7 @@ const ActivityOverlaySchema = Schema.Struct({
 * cursor, limit or window, a scope the caller does not take part in, or a
 * signed-in user whose Account is not ready.
 */
-const READ = [
+const READ$1 = [
 	"NOT_AUTHENTICATED",
 	"INVALID_INPUT",
 	...DEFECTS
@@ -4014,7 +4126,7 @@ const items = {
 			filter: Schema.optionalKey(ActivityFilterSchema)
 		}),
 		output: ActivityPageSchema,
-		errors: READ
+		errors: READ$1
 	}),
 	/** Per-asset totals and the row count over one window of the actor's activity. */
 	summary: Operation.query("activity.items.summary", {
@@ -4023,7 +4135,7 @@ const items = {
 			window: Schema.optionalKey(ActivityRangeSchema)
 		}),
 		output: ActivitySummarySchema,
-		errors: READ
+		errors: READ$1
 	}),
 	/** One row's exact detail and the reader's annotation; null when the caller cannot read it. */
 	get: Operation.query("activity.items.get", {
@@ -4032,7 +4144,7 @@ const items = {
 			actor: Schema.optionalKey(ActivityGetActorSchema)
 		}),
 		output: Schema.NullOr(ActivityDetailSchema),
-		errors: READ
+		errors: READ$1
 	})
 };
 const annotations = { 
@@ -4051,7 +4163,7 @@ save: Operation.mutation("activity.annotations.save", {
 	output: ActivityAnnotationSchema,
 	/** An Organization's annotation also needs the caller's exact Account, Safe and command authority. */
 	errors: [
-		...READ,
+		...READ$1,
 		"ROLE_PERMISSION_DENIED",
 		"ACCOUNT_NOT_FOUND",
 		"SMART_ACCOUNT_MISSING"
@@ -4066,7 +4178,7 @@ get: Operation.query("activity.overlays.get", {
 		settlementIds: Schema.optionalKey(Schema.Array(Schema.String))
 	}),
 	output: ActivityOverlaySchema,
-	errors: READ
+	errors: READ$1
 }) };
 /** A document read: no session, or a pair the caller may not read or that fails its integrity. */
 const DOCUMENT = [
@@ -4095,6 +4207,272 @@ const documents = {
 	})
 };
 //#endregion
+//#region ../../packages/protocol/src/parties/verification-schema.ts
+const VERIFICATION_DOCUMENT_FIELDS = [
+	"id_front",
+	"id_back",
+	"proof_of_address",
+	"business_formation",
+	"ownership_information",
+	"proof_of_nature_of_business",
+	"evidence_of_good_standing",
+	"flow_of_funds",
+	"proof_of_signatory_authority"
+];
+const VerificationStateSchema = Schema.Literals([
+	"not_started",
+	"in_progress",
+	"submitted",
+	"needs_more",
+	"liveness_needed",
+	"under_review",
+	"approved",
+	"rejected",
+	"restricted"
+]);
+const VerificationQuestionSchema = Schema.Struct({
+	id: Schema.String,
+	label: Schema.String,
+	type: Schema.Literals([
+		"text",
+		"date",
+		"choice",
+		"boolean",
+		"file"
+	]),
+	secret: Schema.Boolean,
+	multiple: Schema.optionalKey(Schema.Boolean),
+	when: Schema.optionalKey(Schema.Struct({
+		field: Schema.String,
+		equals: Schema.Union([Schema.String, Schema.Boolean])
+	})),
+	choices: Schema.optionalKey(Schema.Array(Schema.Struct({
+		value: Schema.String,
+		label: Schema.String
+	}))),
+	help: Schema.optionalKey(Schema.String)
+});
+const VerificationCurrencySchema = Schema.Struct({
+	currency: Schema.Literals([
+		"usd",
+		"eur",
+		"gbp"
+	]),
+	status: Schema.Literals([
+		"pending",
+		"approved",
+		"needs_more",
+		"rejected",
+		"restricted"
+	])
+});
+const Common = {
+	invitationId: Schema.optionalKey(Schema.String),
+	businessStatus: Schema.optionalKey(Schema.Literals([
+		"waiting_people",
+		"in_review",
+		"approved",
+		"rejected",
+		"restricted"
+	])),
+	subjectKind: Schema.optionalKey(Schema.Literals([
+		"person",
+		"business",
+		"business_person"
+	])),
+	organization: Schema.optionalKey(Schema.Struct({
+		id: Schema.String,
+		name: Schema.String
+	})),
+	journeyId: Schema.String,
+	currencies: Schema.Array(VerificationCurrencySchema),
+	next: Schema.Struct({ argv: Schema.Array(Schema.String) })
+};
+const VerificationStatusSchema = Schema.Union([
+	Schema.Struct({
+		status: Schema.Literal("not_started"),
+		...Common
+	}),
+	Schema.Struct({
+		status: Schema.Literal("waiting_people"),
+		missingRoles: Schema.Array(Schema.Literals(["control", "signer"])),
+		people: Schema.Array(Schema.Struct({
+			invitationId: Schema.String,
+			name: Schema.String,
+			email: Schema.String,
+			self: Schema.Boolean,
+			status: Schema.Literals([
+				"invited",
+				"submitted",
+				"needs_more"
+			]),
+			delivery: Schema.Literals([
+				"pending",
+				"sent",
+				"failed"
+			])
+		})),
+		...Common
+	}),
+	Schema.Struct({
+		status: Schema.Literal("needs_person"),
+		action: Schema.Literals(["accept_terms", "liveness_check"]),
+		url: Schema.String,
+		...Common
+	}),
+	Schema.Struct({
+		status: Schema.Literal("needs_answers"),
+		questions: Schema.Array(VerificationQuestionSchema),
+		completed: Schema.Array(Schema.Literals([
+			"personal_details",
+			"address",
+			"id"
+		])),
+		issues: Schema.Array(Schema.Struct({
+			fieldId: Schema.String,
+			message: Schema.String
+		})),
+		alternative: Schema.optionalKey(Schema.Struct({
+			action: Schema.Literal("liveness_check"),
+			url: Schema.String
+		})),
+		...Common
+	}),
+	Schema.Struct({
+		status: Schema.Literals([
+			"in_review",
+			"approved",
+			"rejected",
+			"restricted"
+		]),
+		...Common
+	})
+]);
+//#endregion
+//#region ../../packages/protocol/src/banking/schema.ts
+const BankCurrencySchema = Schema.Literals([
+	"usd",
+	"eur",
+	"gbp"
+]);
+const SettlementTokenSchema = Schema.Literals(["usdc", "eurc"]);
+const BankDetailsStateSchema = Schema.Literals([
+	"requested",
+	"active",
+	"deactivated",
+	"closed",
+	"failed"
+]);
+const optionalText$1 = Schema.optionalKey(Schema.String);
+/** List values are masked. Only an explicit single-currency read reveals these fields. */
+const BankDetailsFieldsSchema = Schema.Struct({
+	routingNumber: optionalText$1,
+	accountNumber: optionalText$1,
+	iban: optionalText$1,
+	bic: optionalText$1,
+	sortCode: optionalText$1
+});
+const BankDetailsSchema = Schema.Struct({
+	receivingAccountId: Schema.String,
+	currency: BankCurrencySchema,
+	state: BankDetailsStateSchema,
+	visibility: Schema.Literals(["masked", "full"]),
+	bankName: optionalText$1,
+	accountHolder: optionalText$1,
+	bankAddress: optionalText$1,
+	paymentRails: Schema.Array(Schema.String),
+	fields: BankDetailsFieldsSchema,
+	destination: Schema.Struct({
+		chainId: Schema.Finite,
+		token: SettlementTokenSchema,
+		address: Schema.String
+	}),
+	developerFeePercent: optionalText$1,
+	minimumDeposit: optionalText$1,
+	notice: optionalText$1
+});
+const BankDetailsOverviewSchema = Schema.Struct({
+	accounts: Schema.Array(BankDetailsSchema),
+	verification: Schema.Array(VerificationCurrencySchema)
+});
+/** Gross bank money and the net token credit are separate amounts. */
+const BankDepositSchema = Schema.Struct({
+	bankDepositId: Schema.String,
+	receivingAccountId: Schema.String,
+	currency: BankCurrencySchema,
+	amount: Schema.String,
+	receivedAt: EpochMsSchema$1,
+	sender: optionalText$1,
+	reference: optionalText$1,
+	status: Schema.Literals([
+		"processing",
+		"arriving",
+		"credited",
+		"returned",
+		"below_minimum"
+	]),
+	refundState: Schema.optionalKey(Schema.Literals([
+		"in_flight",
+		"done",
+		"failed"
+	])),
+	credit: Schema.optionalKey(Schema.Struct({
+		amount: AssetAmountSchema,
+		symbol: Schema.Literals(["USDC", "EURC"]),
+		chainId: Schema.Finite,
+		transactionHash: Schema.String,
+		movementId: Schema.String
+	})),
+	match: Schema.optionalKey(Schema.Union([Schema.Struct({
+		kind: Schema.Literal("request"),
+		requestId: Schema.String,
+		reference: Schema.String,
+		how: Schema.Literals(["reference", "manual"])
+	}), Schema.Struct({ kind: Schema.Literal("not_request") })]))
+});
+const BankDepositsPageSchema = pageOf(BankDepositSchema);
+const BankDepositCandidatesPageSchema = pageOf(Schema.Struct({
+	requestId: Schema.String,
+	reference: Schema.String,
+	amount: Schema.Union([AssetAmountSchema, MoneySchema]),
+	dueAt: EpochMsSchema$1,
+	payerPartyId: optionalText$1,
+	payerLabel: optionalText$1
+}));
+//#endregion
+//#region ../../packages/protocol/src/payments/payout-schema.ts
+const PartyAccountRefSchema = Schema.Struct({
+	kind: Schema.Literal("party_account"),
+	partyAccountId: nonEmpty("partyAccountId")
+});
+const PaymentQuoteInputSchema = Schema.Struct({
+	actor: Schema.optionalKey(ActorScopeSchema),
+	to: PartyAccountRefSchema,
+	amount: Schema.Union([MoneySchema, AssetAmountSchema]),
+	asset: Schema.optionalKey(AssetIdSchema),
+	requestKey: nonEmpty("requestKey")
+});
+const PaymentQuoteSchema = Schema.Struct({
+	quoteId: nonEmpty("quoteId"),
+	partyAccountId: nonEmpty("partyAccountId"),
+	requestedOutput: MoneySchema,
+	outputExact: Schema.Boolean,
+	funding: AssetAmountSchema,
+	expiresAt: Schema.Finite,
+	recipient: Schema.Struct({
+		label: Schema.String,
+		bankName: Schema.optionalKey(Schema.String),
+		last4: Schema.String,
+		currency: BankCurrencySchema,
+		onCapxul: Schema.Boolean
+	}),
+	rate: Schema.optionalKey(DecimalStringSchema),
+	warnings: Schema.Array(Schema.Struct({
+		code: Schema.Literal("RECIPIENT_ON_CAPXUL"),
+		message: Schema.String
+	}))
+});
+//#endregion
 //#region ../../packages/protocol/src/permissions/value-schema.ts
 const PermissionIdSchema = nonEmpty("permissionId").pipe(Schema.refine((value) => value.length > 0));
 const PermissionAssignmentIdSchema = nonEmpty("permissionAssignmentId").pipe(Schema.refine((value) => value.length > 0));
@@ -4136,6 +4514,7 @@ const MovementSchema = Schema.Struct({
 const MovementClassificationSchema = Schema.Literals([
 	"protocol_settlement",
 	"deposit",
+	"refund",
 	"movement_only_outflow"
 ]);
 const MovementAttributionSchema = Schema.Struct({
@@ -4805,7 +5184,7 @@ function parseAbiParameters(params) {
 	return abiParameters;
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/formatAbiItem.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/formatAbiItem.js
 function formatAbiItem(abiItem, { includeName = false } = {}) {
 	if (abiItem.type !== "function" && abiItem.type !== "event" && abiItem.type !== "error") throw new InvalidDefinitionTypeError(abiItem.type);
 	return `${abiItem.name}(${formatAbiParams(abiItem.inputs, { includeName })})`;
@@ -4819,14 +5198,14 @@ function formatAbiParam(param, { includeName }) {
 	return param.type + (includeName && param.name ? ` ${param.name}` : "");
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/data/isHex.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/data/isHex.js
 function isHex$1(value, { strict = true } = {}) {
 	if (!value) return false;
 	if (typeof value !== "string") return false;
 	return strict ? /^0x[0-9a-fA-F]*$/.test(value) : value.startsWith("0x");
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/data/size.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/data/size.js
 /**
 * @description Retrieves the size of the value (in bytes).
 *
@@ -4838,10 +5217,10 @@ function size(value) {
 	return value.length;
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/version.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/version.js
 const version$2 = "2.55.18";
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/base.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/base.js
 let errorConfig = {
 	getDocsUrl: ({ docsBaseUrl, docsPath = "", docsSlug }) => docsPath ? `${docsBaseUrl ?? "https://viem.sh"}${docsPath}${docsSlug ? `#${docsSlug}` : ""}` : void 0,
 	version: `viem@${version$2}`
@@ -4923,7 +5302,7 @@ function walk(err, fn) {
 	return fn ? null : err;
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/abi.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/abi.js
 var AbiDecodingDataSizeTooSmallError = class extends BaseError {
 	constructor({ data, params, size }) {
 		super([`Data size of ${size} bytes is too small for given parameters.`].join("\n"), {
@@ -5055,7 +5434,7 @@ var UnsupportedPackedAbiType = class extends BaseError {
 	}
 };
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/data.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/data.js
 var SliceOffsetOutOfBoundsError = class extends BaseError {
 	constructor({ offset, position, size }) {
 		super(`Slice ${position === "start" ? "starting" : "ending"} at offset "${offset}" is out-of-bounds (size: ${size}).`, { name: "SliceOffsetOutOfBoundsError" });
@@ -5067,7 +5446,7 @@ var SizeExceedsPaddingSizeError = class extends BaseError {
 	}
 };
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/data/pad.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/data/pad.js
 function pad(hexOrBytes, { dir, size = 32 } = {}) {
 	if (typeof hexOrBytes === "string") return padHex(hexOrBytes, {
 		dir,
@@ -5103,7 +5482,7 @@ function padBytes(bytes, { dir, size = 32 } = {}) {
 	return paddedBytes;
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/encoding.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/encoding.js
 var IntegerOutOfRangeError = class extends BaseError {
 	constructor({ max, min, signed, size, value }) {
 		super(`Number "${value}" is not in safe ${size ? `${size * 8}-bit ${signed ? "signed" : "unsigned"} ` : ""}integer range ${max ? `(${min} to ${max})` : `(above ${min})`}`, { name: "IntegerOutOfRangeError" });
@@ -5120,7 +5499,7 @@ var SizeOverflowError = class extends BaseError {
 	}
 };
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/data/trim.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/data/trim.js
 function trim(hexOrBytes, { dir = "left" } = {}) {
 	let data = typeof hexOrBytes === "string" ? hexOrBytes.replace("0x", "") : hexOrBytes;
 	let sliceLength = 0;
@@ -5134,7 +5513,7 @@ function trim(hexOrBytes, { dir = "left" } = {}) {
 	return data;
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/encoding/fromHex.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/encoding/fromHex.js
 function assertSize(hexOrBytes, { size: size$1 }) {
 	if (size(hexOrBytes) > size$1) throw new SizeOverflowError({
 		givenSize: size(hexOrBytes),
@@ -5201,7 +5580,7 @@ function hexToNumber(hex, opts = {}) {
 	return number;
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/encoding/toHex.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/encoding/toHex.js
 const hexes = /*#__PURE__*/ Array.from({ length: 256 }, (_v, i) => i.toString(16).padStart(2, "0"));
 /**
 * Encodes a string, number, bigint, or ByteArray into a hex string
@@ -5364,7 +5743,7 @@ function stringToHex(value_, opts = {}) {
 	return bytesToHex(encoder$2.encode(value_), opts);
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/encoding/toBytes.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/encoding/toBytes.js
 const encoder$1 = /*#__PURE__*/ new TextEncoder();
 /**
 * Encodes a UTF-8 string, hex value, bigint, number or boolean to a byte array.
@@ -5746,7 +6125,7 @@ const gen$1 = (suffix, blockLen, outputLen) => createHasher(() => new Keccak$1(b
 /** keccak-256 hash function. Different from SHA3-256. */
 const keccak_256$1 = /* @__PURE__ */ (() => gen$1(1, 136, 32))();
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/hash/keccak256.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/hash/keccak256.js
 function keccak256$1(value, to_) {
 	const to = to_ || "hex";
 	const bytes = keccak_256$1(isHex$1(value, { strict: false }) ? toBytes$1(value) : value);
@@ -5754,13 +6133,13 @@ function keccak256$1(value, to_) {
 	return toHex(bytes);
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/hash/hashSignature.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/hash/hashSignature.js
 const hash = (value) => keccak256$1(toBytes$1(value));
 function hashSignature(sig) {
 	return hash(sig);
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/hash/normalizeSignature.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/hash/normalizeSignature.js
 function normalizeSignature(signature) {
 	let active = true;
 	let current = "";
@@ -5806,7 +6185,7 @@ function normalizeSignature(signature) {
 	return result;
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/hash/toSignature.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/hash/toSignature.js
 /**
 * Returns the signature for a given function or event definition.
 *
@@ -5831,7 +6210,7 @@ const toSignature = (def) => {
 	})());
 };
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/hash/toSignatureHash.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/hash/toSignatureHash.js
 /**
 * Returns the hash (of the function/event signature) for a given event or function definition.
 */
@@ -5839,7 +6218,7 @@ function toSignatureHash(fn) {
 	return hashSignature(toSignature(fn));
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/hash/toEventSelector.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/hash/toEventSelector.js
 /**
 * Returns the event selector for a given event definition.
 *
@@ -5849,7 +6228,7 @@ function toSignatureHash(fn) {
 */
 const toEventSelector = toSignatureHash;
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/address.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/address.js
 var InvalidAddressError = class extends BaseError {
 	constructor({ address }) {
 		super(`Address "${address}" is invalid.`, {
@@ -5859,7 +6238,7 @@ var InvalidAddressError = class extends BaseError {
 	}
 };
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/lru.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/lru.js
 /**
 * Map with a LRU (Least recently used) policy.
 *
@@ -5895,7 +6274,7 @@ var LruMap = class extends Map {
 	}
 };
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/address/getAddress.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/address/getAddress.js
 const checksumAddressCache = /*#__PURE__*/ new LruMap(8192);
 function checksumAddress(address_, chainId) {
 	if (checksumAddressCache.has(`${address_}.${chainId}`)) return checksumAddressCache.get(`${address_}.${chainId}`);
@@ -5915,7 +6294,7 @@ function getAddress$1(address, chainId) {
 	return checksumAddress(address, chainId);
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/address/isAddress.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/address/isAddress.js
 const addressRegex = /^0x[a-fA-F0-9]{40}$/;
 /** @internal */
 const isAddressCache = /*#__PURE__*/ new LruMap(8192);
@@ -5933,7 +6312,7 @@ function isAddress$1(address, options) {
 	return result;
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/data/concat.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/data/concat.js
 function concat$1(values) {
 	if (typeof values[0] === "string") return concatHex(values);
 	return concatBytes(values);
@@ -5953,7 +6332,7 @@ function concatHex(values) {
 	return `0x${values.reduce((acc, x) => acc + x.replace("0x", ""), "")}`;
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/data/slice.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/data/slice.js
 /**
 * @description Returns a section of the hex or byte array given a start/end bytes offset.
 *
@@ -6006,12 +6385,12 @@ function sliceHex(value_, start, end, { strict } = {}) {
 	return value;
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/regex.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/regex.js
 const arrayRegex = /^(.*)\[([0-9]*)\]$/;
 const bytesRegex = /^bytes([1-9]|1[0-9]|2[0-9]|3[0-2])?$/;
 const integerRegex = /^(u?int)(8|16|24|32|40|48|56|64|72|80|88|96|104|112|120|128|136|144|152|160|168|176|184|192|200|208|216|224|232|240|248|256)?$/;
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/encodeAbiParameters.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/encodeAbiParameters.js
 /**
 * @description Encodes a list of primitive values into an ABI-encoded hex value.
 *
@@ -6248,7 +6627,7 @@ function isDynamicType(param) {
 	return false;
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/hash/toFunctionSelector.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/hash/toFunctionSelector.js
 /**
 * Returns the function selector for a given function definition.
 *
@@ -6258,7 +6637,7 @@ function isDynamicType(param) {
 */
 const toFunctionSelector = (fn) => slice(toSignatureHash(fn), 0, 4);
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/getAbiItem.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/getAbiItem.js
 function getAbiItem(parameters) {
 	const { abi, args = [], name } = parameters;
 	const isSelector = isHex$1(name, { strict: false });
@@ -6341,7 +6720,7 @@ function getAmbiguousTypes(sourceParameters, targetParameters, args) {
 	}
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/prepareEncodeFunctionData.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/prepareEncodeFunctionData.js
 const docsPath = "/docs/contract/encodeFunctionData";
 function prepareEncodeFunctionData(parameters) {
 	const { abi, args, functionName } = parameters;
@@ -6362,7 +6741,7 @@ function prepareEncodeFunctionData(parameters) {
 	};
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/encodeFunctionData.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/encodeFunctionData.js
 function encodeFunctionData(parameters) {
 	const { args } = parameters;
 	const { abi, functionName } = (() => {
@@ -6373,7 +6752,7 @@ function encodeFunctionData(parameters) {
 	return concatHex([functionName, ("inputs" in abiItem && abiItem.inputs ? encodeAbiParameters$1(abiItem.inputs, args ?? []) : void 0) ?? "0x"]);
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/cursor.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/cursor.js
 var NegativeOffsetError = class extends BaseError {
 	constructor({ offset }) {
 		super(`Offset \`${offset}\` cannot be negative.`, { name: "NegativeOffsetError" });
@@ -6390,7 +6769,7 @@ var RecursiveReadLimitExceededError = class extends BaseError {
 	}
 };
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/cursor.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/cursor.js
 const staticCursor = {
 	bytes: /* @__PURE__ */ new Uint8Array(),
 	dataView: /* @__PURE__ */ new DataView(/* @__PURE__ */ new ArrayBuffer(0)),
@@ -6553,7 +6932,7 @@ function createCursor(bytes, { recursiveReadLimit = 8192 } = {}) {
 	return cursor;
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/encoding/fromBytes.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/encoding/fromBytes.js
 /**
 * Decodes a byte array into a bigint.
 *
@@ -6636,7 +7015,7 @@ function bytesToString(bytes_, opts = {}) {
 	return new TextDecoder().decode(bytes);
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/decodeAbiParameters.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/decodeAbiParameters.js
 function decodeAbiParameters(params, data) {
 	const bytes = typeof data === "string" ? hexToBytes(data) : data;
 	const cursor = createCursor(bytes);
@@ -6803,13 +7182,13 @@ function hasDynamicChild(param) {
 	return false;
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/stringify.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/stringify.js
 const stringify$1 = (value, replacer, space) => JSON.stringify(value, (key, value_) => {
 	const value = typeof value_ === "bigint" ? value_.toString() : value_;
 	return typeof replacer === "function" ? replacer(key, value) : value;
 }, space);
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/unit/Value.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/unit/Value.js
 /** @see https://ethereum.github.io/yellowpaper/paper.pdf */
 const exponents = {
 	wei: 0,
@@ -6884,7 +7263,7 @@ var InvalidDecimalsError = class extends Error {
 	}
 };
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/accounts/utils/publicKeyToAddress.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/accounts/utils/publicKeyToAddress.js
 /**
 * @description Converts an ECDSA public key to an address.
 *
@@ -6896,7 +7275,7 @@ function publicKeyToAddress(publicKey) {
 	return checksumAddress(`0x${keccak256$1(`0x${publicKey.substring(4)}`).substring(26)}`);
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/signature/recoverPublicKey.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/signature/recoverPublicKey.js
 async function recoverPublicKey({ hash, signature }) {
 	const hashHex = isHex$1(hash) ? hash : toHex(hash);
 	const { secp256k1 } = await import("./secp256k1-BSimfttS.mjs");
@@ -6919,7 +7298,7 @@ function toRecoveryBit(yParityOrV) {
 	throw new Error("Invalid yParityOrV value");
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/signature/recoverAddress.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/signature/recoverAddress.js
 async function recoverAddress({ hash, signature }) {
 	return publicKeyToAddress(await recoverPublicKey({
 		hash,
@@ -6927,7 +7306,7 @@ async function recoverAddress({ hash, signature }) {
 	}));
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/encoding/toRlp.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/encoding/toRlp.js
 function toRlp(bytes, to = "hex") {
 	const encodable = getEncodable(bytes);
 	const cursor = createCursor(new Uint8Array(encodable.length));
@@ -6993,7 +7372,7 @@ function getSizeOfLength(length) {
 	throw new BaseError("Length is too large.");
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/decodeFunctionData.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/decodeFunctionData.js
 function decodeFunctionData(parameters) {
 	const { abi, data } = parameters;
 	const signature = slice(data, 0, 4);
@@ -7005,7 +7384,7 @@ function decodeFunctionData(parameters) {
 	};
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/encodePacked.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/abi/encodePacked.js
 function encodePacked(types, values) {
 	if (types.length !== values.length) throw new AbiEncodingLengthMismatchError({
 		expectedLength: types.length,
@@ -7060,7 +7439,7 @@ function encode(type, value, isArray = false) {
 	throw new UnsupportedPackedAbiType(type);
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/data/isBytes.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/data/isBytes.js
 function isBytes(value) {
 	if (!value) return false;
 	if (typeof value !== "object") return false;
@@ -7068,7 +7447,7 @@ function isBytes(value) {
 	return value.BYTES_PER_ELEMENT === 1 && value.constructor.name === "Uint8Array";
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/address/getContractAddress.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/address/getContractAddress.js
 function getContractAddress(opts) {
 	if (opts.opcode === "CREATE2") return getCreate2Address(opts);
 	return getCreateAddress$1(opts);
@@ -7097,7 +7476,7 @@ function getCreate2Address(opts) {
 	])), 12));
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/typedData.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/errors/typedData.js
 var InvalidDomainError = class extends BaseError {
 	constructor({ domain }) {
 		super(`Invalid domain "${stringify$1(domain)}".`, { metaMessages: ["Must be a valid EIP-712 domain."] });
@@ -7129,7 +7508,7 @@ var InvalidTypedDataTypeError = class extends BaseError {
 	}
 };
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/typedData.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/typedData.js
 function validateTypedData(parameters) {
 	const { domain, message, primaryType, types } = parameters;
 	const validateData = (struct, data) => {
@@ -7203,7 +7582,7 @@ function validateReference(type) {
 	if (type === "address" || type === "bool" || type === "string" || type.startsWith("bytes") || type.startsWith("uint") || type.startsWith("int")) throw new InvalidStructTypeError({ type });
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/signature/hashTypedData.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/signature/hashTypedData.js
 function hashTypedData(parameters) {
 	const { domain = {}, message, primaryType } = parameters;
 	const types = {
@@ -7308,7 +7687,7 @@ function encodeField({ types, name, type, value }) {
 	return [{ type }, value];
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/signature/recoverTypedDataAddress.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/signature/recoverTypedDataAddress.js
 async function recoverTypedDataAddress(parameters) {
 	const { domain, message, primaryType, signature, types } = parameters;
 	return recoverAddress({
@@ -7322,7 +7701,7 @@ async function recoverTypedDataAddress(parameters) {
 	});
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/unit/formatUnits.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/utils/unit/formatUnits.js
 /**
 *  Divides a number by a given exponent of base 10 (10exponent), and formats it into a string representation of the number..
 *
@@ -7715,7 +8094,16 @@ const PaymentLedgerRecordSchema = Schema.Union([Schema.Struct({
 	settlementLogIndex: Schema.optional(LogIndexSchema),
 	settledBlockNumber: Schema.optional(BlockNumberSchema$1),
 	settledBlockHash: Schema.optional(Bytes32Schema),
-	settledEventLogIndex: Schema.optional(LogIndexSchema)
+	settledEventLogIndex: Schema.optional(LogIndexSchema),
+	quoteId: Schema.optional(nonEmpty("quoteId")),
+	railOperationId: Schema.optional(nonEmpty("railOperationId")),
+	payoutRecipientLabel: Schema.optional(Schema.String),
+	payoutRecipientOnCapxul: Schema.optional(Schema.Boolean),
+	payoutWarnRecipientOnCapxul: Schema.optional(Schema.Boolean),
+	payoutOwnerPartyId: Schema.optional(Schema.String),
+	requestedOutput: Schema.optional(MoneySchema),
+	payoutOutputExact: Schema.optional(Schema.Boolean),
+	refundMovementId: Schema.optional(MovementIdSchema)
 }), Schema.Struct({
 	...PaymentLedgerBaseSchema.fields,
 	ledgerKind: Schema.Literal("Deposit"),
@@ -7724,7 +8112,7 @@ const PaymentLedgerRecordSchema = Schema.Union([Schema.Struct({
 	documentHash: Schema.optional(Schema.Never),
 	permissionId: Schema.optional(Schema.Never),
 	purposeKind: Schema.optional(Schema.Never)
-})]).pipe(Schema.refine((record) => record.ledgerKind === "Deposit" || hasActorBoundPermission(record.actor, record.actor.kind === "organization" ? record.actor.orgId : void 0, record.permissionId), { message: "Organization Payment and Payout records require permissionId; personal records forbid it" }));
+})]).pipe(Schema.refine((record) => record.ledgerKind === "Deposit" || hasActorBoundPermission(record.actor, record.actor.kind === "organization" ? record.actor.orgId : void 0, record.permissionId) && (record.recipient.kind === "party_account" ? record.ledgerKind === "Payout" && record.quoteId !== void 0 && record.railOperationId !== void 0 && record.payoutRecipientLabel !== void 0 && record.payoutRecipientOnCapxul !== void 0 && record.payoutWarnRecipientOnCapxul !== void 0 && record.payoutOwnerPartyId !== void 0 && record.requestedOutput !== void 0 && record.payoutOutputExact !== void 0 : record.quoteId === void 0 && record.railOperationId === void 0), { message: "Organization Payment and Payout records require permissionId; personal records forbid it" }));
 const PaymentCoreErrorSchema = Schema.Union([
 	Schema.Struct({
 		code: Schema.Literal("INVALID_TRANSITION"),
@@ -7775,8 +8163,16 @@ const ProtocolBirthInputSchema = Schema.Struct({
 	documentHash: NonzeroDocumentHashSchema,
 	documentContentHash: NonzeroDocumentHashSchema,
 	release: ReleaseTermsSchema,
+	quoteId: Schema.optional(nonEmpty("quoteId")),
+	railOperationId: Schema.optional(nonEmpty("railOperationId")),
+	payoutRecipientLabel: Schema.optional(Schema.String),
+	payoutRecipientOnCapxul: Schema.optional(Schema.Boolean),
+	payoutWarnRecipientOnCapxul: Schema.optional(Schema.Boolean),
+	payoutOwnerPartyId: Schema.optional(Schema.String),
+	requestedOutput: Schema.optional(MoneySchema),
+	payoutOutputExact: Schema.optional(Schema.Boolean),
 	lineage: Schema.optional(PaymentCommandLineageSchema)
-}).pipe(Schema.refine((birth) => hasActorBoundPermission(birth.actor, birth.actor.kind === "organization" ? birth.actor.orgId : void 0, birth.permissionId), { message: "Organization Payment and Payout births require permissionId; personal births forbid it" }));
+}).pipe(Schema.refine((birth) => hasActorBoundPermission(birth.actor, birth.actor.kind === "organization" ? birth.actor.orgId : void 0, birth.permissionId) && (birth.recipient.kind === "party_account" ? birth.ledgerKind === "Payout" && birth.release.kind === "instant" && birth.quoteId !== void 0 && birth.railOperationId !== void 0 && birth.payoutRecipientLabel !== void 0 && birth.payoutRecipientOnCapxul !== void 0 && birth.payoutWarnRecipientOnCapxul !== void 0 && birth.payoutOwnerPartyId !== void 0 && birth.requestedOutput !== void 0 && birth.payoutOutputExact !== void 0 : birth.quoteId === void 0 && birth.railOperationId === void 0), { message: "Organization Payment and Payout births require permissionId; personal births forbid it" }));
 const ApplyVerifiedEvidenceCommandSchema = Schema.Struct({
 	kind: Schema.Literal("apply_verified_evidence"),
 	paymentId: PaymentIdSchema,
@@ -7801,7 +8197,11 @@ Schema.Union([
 		paymentIds: Schema.Array(PaymentIdSchema),
 		userOpHash: Bytes32Schema
 	}),
-	ApplyVerifiedEvidenceCommandSchema
+	ApplyVerifiedEvidenceCommandSchema,
+	Schema.Struct({
+		kind: Schema.Literal("apply_rail_delivery"),
+		paymentId: PaymentIdSchema
+	})
 ]);
 Schema.Union([
 	Schema.Struct({
@@ -7877,12 +8277,11 @@ function paymentDocumentOptionsPayloadSize(options) {
 }
 const PaymentDocumentOptionsSchema = PaymentDocumentOptionsFieldsSchema.check(Schema.makeFilter((options) => paymentDocumentOptionsPayloadSize(options) <= 524288));
 const PaymentDocumentOptionsBatchSchema = Schema.Array(PaymentDocumentOptionsSchema).check(Schema.makeFilter((options) => options.length <= 100 && options.reduce((total, itemOptions) => total + paymentDocumentOptionsPayloadSize(itemOptions), 0) <= 524288));
-//#endregion
-//#region ../../packages/protocol/src/payments/schema/commands.ts
 const PaymentBirthItemSchema = Schema.Union([Schema.Struct({
 	operation: Schema.Literal("send"),
 	recipient: ActorOrDestinationRefSchema,
 	amount: AssetAmountSchema,
+	quoteId: Schema.optional(nonEmpty("quoteId")),
 	purposeKind: PaymentPurposeKindSchema,
 	document: Schema.optional(PaymentInstructionInputSchema),
 	supportingReceipts: Schema.optional(Schema.Array(SupportingReceiptInputSchema)),
@@ -7902,12 +8301,13 @@ const PaymentBirthItemSchema = Schema.Union([Schema.Struct({
 	operation: Schema.Literal("create_commitment"),
 	recipient: ActorOrDestinationRefSchema,
 	amount: AssetAmountSchema,
+	quoteId: Schema.optional(nonEmpty("quoteId")),
 	release: ReleaseTermsSchema.pipe(Schema.refine((release) => release.kind === "scheduled" || release.kind === "stream", { message: "Commitment release must be scheduled or stream" })),
 	purposeKind: PaymentPurposeKindSchema,
 	document: Schema.optional(PaymentInstructionInputSchema),
 	supportingReceipts: Schema.optional(Schema.Array(SupportingReceiptInputSchema)),
 	payroll: Schema.optional(Schema.Never)
-})]);
+})]).pipe(Schema.refine((item) => item.recipient.kind === "party_account" ? item.operation === "send" && item.quoteId !== void 0 : item.quoteId === void 0, { message: "Bank payouts require an instant send with its accepted quote" }));
 const PaymentBirthCommandSchema = Schema.Struct({
 	kind: Schema.Literal("birth"),
 	requestKey: nonEmpty("requestKey"),
@@ -8024,6 +8424,7 @@ const PaymentExecutionIntentSchema = Schema.Struct({
 	to: PaymentRef,
 	externalAddressAcknowledged: Schema.optional(Schema.Literal(true)),
 	amount: AssetAmountSchema,
+	quoteId: Schema.optional(nonEmpty("quoteId")),
 	paymentType: Schema.optional(Schema.Literals([
 		"unspecified",
 		"invoice",
@@ -8031,7 +8432,7 @@ const PaymentExecutionIntentSchema = Schema.Struct({
 		"reimbursement"
 	])),
 	timing: Schema.optional(PaymentTiming)
-}).check(Schema.makeFilter((value) => Schema.is(PaymentDocumentOptionsSchema)(value)));
+}).check(Schema.makeFilter((value) => Schema.is(PaymentDocumentOptionsSchema)(value) && (value.to.kind === "party_account" ? value.quoteId !== void 0 && (value.timing === void 0 || value.timing.kind === "instant") : value.quoteId === void 0)));
 const PreparePaymentExecutionInputSchema = Schema.Struct({
 	requestKey: nonEmpty("requestKey"),
 	signerAddress: AddressSchema$1,
@@ -8100,6 +8501,7 @@ const SubmittedPaymentCommandExecutionSchema = Schema.Struct({
 	userOpHash: Bytes32Schema,
 	payments: Schema.Array(Payment)
 });
+const RedirectPaymentRef = PaymentRef.pipe(Schema.refine((recipient) => recipient.kind !== "party_account", { message: "Bank payout recipients cannot receive commitment redirects" }));
 const PaymentLifecycleExecutionIntentSchema = Schema.Union([
 	Schema.Struct({
 		kind: Schema.Literal("retry"),
@@ -8116,7 +8518,7 @@ const PaymentLifecycleExecutionIntentSchema = Schema.Union([
 	Schema.Struct({
 		kind: Schema.Literal("redirect"),
 		paymentId: PaymentIdSchema,
-		recipient: PaymentRef
+		recipient: RedirectPaymentRef
 	})
 ]);
 const PreparePaymentLifecycleExecutionInputSchema = Schema.Struct({
@@ -8143,6 +8545,7 @@ const OrganizationPaymentExecutionItemSchema = Schema.Struct({
 	to: PaymentRef,
 	externalAddressAcknowledged: Schema.optional(Schema.Literal(true)),
 	amount: AssetAmountSchema,
+	quoteId: Schema.optional(nonEmpty("quoteId")),
 	paymentType: Schema.optional(Schema.Literals([
 		"unspecified",
 		"invoice",
@@ -8151,7 +8554,7 @@ const OrganizationPaymentExecutionItemSchema = Schema.Struct({
 	])),
 	/** When the recipient gets it: instant (the default), or held until a date or over a period. */
 	timing: Schema.optional(PaymentTiming)
-}).check(Schema.makeFilter((value) => Schema.is(PaymentDocumentOptionsSchema)(value)));
+}).check(Schema.makeFilter((value) => Schema.is(PaymentDocumentOptionsSchema)(value) && (value.to.kind === "party_account" ? value.quoteId !== void 0 && (value.timing === void 0 || value.timing.kind === "instant") : value.quoteId === void 0)));
 const PrepareOrganizationPaymentExecutionInputSchema = Schema.Struct({
 	orgId: nonEmpty("orgId"),
 	permissionId: PermissionIdSchema,
@@ -8313,7 +8716,11 @@ const ApprovalSummarySchema = Schema.Struct({
 	to: Schema.Struct({ label: Schema.String }),
 	/** The total, when every item moves one asset; null when nothing moves (a Permission change). */
 	amount: Schema.NullOr(AssetAmountSchema),
-	network: ApprovalNetworkSchema
+	network: ApprovalNetworkSchema,
+	warnings: Schema.optional(Schema.Array(Schema.Struct({
+		code: Schema.Literal("RECIPIENT_ON_CAPXUL"),
+		message: Schema.String
+	})))
 });
 /** The exact operation the signature covers: the digest is the one thing the key signs. */
 const ApprovalOperationSchema = Schema.Struct({
@@ -8700,6 +9107,95 @@ const keys = {
 	})
 };
 //#endregion
+//#region ../../packages/protocol/src/banking/operations.ts
+const actor$3 = Schema.optionalKey(ActorScopeSchema);
+const target = {
+	actor: actor$3,
+	currency: BankCurrencySchema
+};
+const errors = [
+	"NOT_AUTHENTICATED",
+	"INVALID_INPUT",
+	"ROLE_PERMISSION_DENIED",
+	"ACCOUNT_NOT_FOUND",
+	"SMART_ACCOUNT_MISSING",
+	"PROVIDER_ERROR",
+	...DEFECTS
+];
+const writeErrors = [...errors, "WRONG_STATE"];
+const bankDetails = {
+	list: Operation.query("banking.bankDetails.list", {
+		input: Schema.Struct({ actor: actor$3 }),
+		output: BankDetailsOverviewSchema,
+		errors
+	}),
+	get: Operation.query("banking.bankDetails.get", {
+		input: Schema.Struct(target),
+		output: Schema.NullOr(BankDetailsSchema),
+		errors
+	}),
+	open: Operation.action("banking.bankDetails.open", {
+		input: Schema.Struct(target),
+		output: BankDetailsSchema,
+		errors: writeErrors
+	}),
+	settle: Operation.action("banking.bankDetails.settle", {
+		input: Schema.Struct({
+			...target,
+			token: SettlementTokenSchema
+		}),
+		output: BankDetailsSchema,
+		errors: writeErrors
+	}),
+	deactivate: Operation.action("banking.bankDetails.deactivate", {
+		input: Schema.Struct(target),
+		output: BankDetailsSchema,
+		errors: writeErrors
+	}),
+	reactivate: Operation.action("banking.bankDetails.reactivate", {
+		input: Schema.Struct(target),
+		output: BankDetailsSchema,
+		errors: writeErrors
+	})
+};
+const deposits = {
+	list: Operation.query("banking.deposits.list", {
+		input: Schema.Struct({
+			actor: actor$3,
+			cursor: Schema.optionalKey(Schema.String),
+			unmatched: Schema.optionalKey(Schema.Boolean)
+		}),
+		output: BankDepositsPageSchema,
+		errors
+	}),
+	get: Operation.query("banking.deposits.get", {
+		input: Schema.Struct({
+			actor: actor$3,
+			bankDepositId: Schema.String
+		}),
+		output: Schema.NullOr(BankDepositSchema),
+		errors
+	}),
+	candidates: Operation.query("banking.deposits.candidates", {
+		input: Schema.Struct({
+			actor: actor$3,
+			bankDepositId: Schema.String,
+			cursor: Schema.optionalKey(Schema.String)
+		}),
+		output: BankDepositCandidatesPageSchema,
+		errors
+	}),
+	match: Operation.mutation("banking.deposits.match", {
+		input: Schema.Struct({
+			actor: actor$3,
+			bankDepositId: Schema.String,
+			requestId: Schema.NullOr(Schema.String)
+		}),
+		output: BankDepositSchema,
+		errors: writeErrors
+	})
+};
+//#endregion
 //#region ../../packages/protocol/src/documents/operations.ts
 /** Every call: no session, or input that does not decode. */
 const CALL$8 = ["NOT_AUTHENTICATED", "INVALID_INPUT"];
@@ -10119,6 +10615,159 @@ const setups = {
 	})
 };
 //#endregion
+//#region ../../packages/protocol/src/parties/accounts-schema.ts
+const BankAccountOwnerTypeSchema = Schema.Literals(["individual", "business"]);
+const text$1 = Schema.String;
+const optionalText = Schema.optionalKey(text$1);
+const holder = {
+	holderName: text$1,
+	bankName: optionalText
+};
+const owner = {
+	ownerType: Schema.optionalKey(BankAccountOwnerTypeSchema),
+	firstName: optionalText,
+	lastName: optionalText,
+	businessName: optionalText
+};
+const BankBeneficiaryAddressSchema = Schema.Struct({
+	streetLine1: text$1,
+	streetLine2: optionalText,
+	city: text$1,
+	state: optionalText,
+	postalCode: optionalText,
+	country: text$1
+});
+const iban = {
+	...holder,
+	currency: Schema.Literal("eur"),
+	iban: text$1,
+	bic: optionalText
+};
+Schema.Union([
+	Schema.Struct({
+		...holder,
+		currency: Schema.Literal("usd"),
+		accountNumber: text$1,
+		routingNumber: text$1,
+		accountType: Schema.Literals(["checking", "savings"]),
+		address: BankBeneficiaryAddressSchema
+	}),
+	Schema.Struct({
+		...holder,
+		...owner,
+		currency: Schema.Literal("gbp"),
+		sortCode: text$1,
+		accountNumber: text$1
+	}),
+	Schema.Struct({
+		...iban,
+		ownerType: Schema.Literal("individual"),
+		firstName: text$1,
+		lastName: text$1
+	}),
+	Schema.Struct({
+		...iban,
+		ownerType: Schema.Literal("business"),
+		businessName: text$1
+	})
+]);
+const BankAccountFilterSchema = Schema.Union([Schema.Struct({ kind: Schema.Literal("self") }), Schema.Struct({
+	kind: Schema.Literal("contact"),
+	ref: RecipientLocatorSchema
+})]);
+const BankAccountTargetSchema = Schema.Union([BankAccountFilterSchema, Schema.Struct({
+	kind: Schema.Literal("new"),
+	name: text$1,
+	email: optionalText
+})]);
+const BankAccountSchema = Schema.Struct({
+	partyAccountId: text$1,
+	ownerPartyId: text$1,
+	ownerScope: Schema.Literals(["self", "contact"]),
+	currency: BankCurrencySchema,
+	holderName: text$1,
+	bankName: optionalText,
+	last4: text$1,
+	state: Schema.Literals([
+		"saved",
+		"active",
+		"inactive"
+	]),
+	recipient: Schema.Struct({
+		ref: RecipientLocatorSchema,
+		label: text$1,
+		onCapxul: Schema.Boolean
+	})
+});
+const BankAccountFieldSchema = Schema.Struct({
+	id: text$1,
+	label: text$1,
+	required: Schema.Boolean,
+	choices: Schema.optionalKey(Schema.Array(Schema.Struct({
+		value: text$1,
+		label: text$1
+	}))),
+	minLength: Schema.optionalKey(nonNegativeInteger("minLength")),
+	maxLength: Schema.optionalKey(nonNegativeInteger("maxLength")),
+	pattern: optionalText
+});
+const BankAccountRequirementsSchema = Schema.Struct({
+	currency: BankCurrencySchema,
+	fields: Schema.Array(BankAccountFieldSchema)
+});
+//#endregion
+//#region ../../packages/protocol/src/parties/accounts-operations.ts
+const actor$2 = Schema.optionalKey(ActorScopeSchema);
+const READ = [
+	"NOT_AUTHENTICATED",
+	"INVALID_INPUT",
+	"ROLE_PERMISSION_DENIED",
+	...DEFECTS
+];
+const WRITE = [
+	...READ,
+	"SMART_ACCOUNT_MISSING",
+	"ACCOUNT_NOT_FOUND"
+];
+const accounts = {
+	requirements: Operation.query("parties.accounts.requirements", {
+		input: Schema.Struct({
+			actor: actor$2,
+			currency: BankCurrencySchema,
+			ownerType: Schema.optionalKey(BankAccountOwnerTypeSchema),
+			country: Schema.optionalKey(Schema.String)
+		}),
+		output: BankAccountRequirementsSchema,
+		errors: READ
+	}),
+	add: Operation.mutation("parties.accounts.add", {
+		input: Schema.Struct({
+			actor: actor$2,
+			target: BankAccountTargetSchema,
+			details: Schema.Unknown,
+			requestKey: Schema.String
+		}),
+		output: BankAccountSchema,
+		errors: [...WRITE, "PROVIDER_ERROR"]
+	}),
+	list: Operation.query("parties.accounts.list", {
+		input: Schema.Struct({
+			actor: actor$2,
+			target: Schema.optionalKey(BankAccountFilterSchema)
+		}),
+		output: pageOf(BankAccountSchema),
+		errors: READ
+	}),
+	remove: Operation.mutation("parties.accounts.remove", {
+		input: Schema.Struct({
+			actor: actor$2,
+			partyAccountId: Schema.String
+		}),
+		output: Schema.Struct({ partyAccountId: Schema.String }),
+		errors: WRITE
+	})
+};
+//#endregion
 //#region ../../packages/protocol/src/parties/operations.ts
 /** Every call: no session, or input that does not decode or validate. */
 const CALL$5 = ["NOT_AUTHENTICATED", "INVALID_INPUT"];
@@ -10131,6 +10780,62 @@ const ADMIN$2 = [
 	"ACCOUNT_NOT_FOUND"
 ];
 const actor$1 = Schema.optionalKey(ActorScopeSchema);
+const VERIFICATION_ERRORS = [
+	...CALL$5,
+	...DEFECTS,
+	...MEMBER$1,
+	"WRONG_STATE",
+	"PROVIDER_ERROR"
+];
+const verificationTarget = {
+	orgId: Schema.optionalKey(Schema.String),
+	invitationId: Schema.optionalKey(Schema.String)
+};
+/** Person and business verification. Bridge owns the requirements and the decision. */
+const verifications$1 = {
+	invite: Operation.action("parties.verifications.invite", {
+		input: Schema.Struct({
+			orgId: Schema.String,
+			people: Schema.Unknown
+		}),
+		output: VerificationStatusSchema,
+		errors: VERIFICATION_ERRORS
+	}),
+	start: Operation.action("parties.verifications.start", {
+		input: Schema.Struct({
+			...verificationTarget,
+			surface: Schema.optionalKey(Schema.Literals([
+				"web",
+				"cli",
+				"agent",
+				"sdk",
+				"unspecified"
+			]))
+		}),
+		output: VerificationStatusSchema,
+		errors: VERIFICATION_ERRORS
+	}),
+	status: Operation.action("parties.verifications.status", {
+		input: Schema.Struct(verificationTarget),
+		output: VerificationStatusSchema,
+		errors: VERIFICATION_ERRORS
+	}),
+	answer: Operation.action("parties.verifications.answer", {
+		input: Schema.Struct({
+			...verificationTarget,
+			answers: Schema.Unknown,
+			surface: Schema.optionalKey(Schema.Literals([
+				"web",
+				"cli",
+				"agent",
+				"sdk",
+				"unspecified"
+			]))
+		}),
+		output: VerificationStatusSchema,
+		errors: VERIFICATION_ERRORS
+	})
+};
 const OneContact = Schema.Struct({
 	actor: actor$1,
 	partyId: Schema.String
@@ -10396,38 +11101,52 @@ const PreparedOfferCheckoutExecutionSchema = Schema.Struct({
 //#endregion
 //#region ../../packages/protocol/src/requests/checkout-schema.ts
 /** Link holders receive payment terms, not the private Invoice document. */
-const InvoiceCheckoutSummarySchema = Schema.Struct({
+const InvoiceCheckoutStatusSchema = Schema.Literals([
+	"sent",
+	"pending_settlement",
+	"paid",
+	"cancelled",
+	"declined",
+	"expired",
+	"unavailable"
+]);
+const InvoiceCheckoutCommonSchema = Schema.Struct({
 	documentKind: Schema.optional(Schema.Literals(["memo", "invoice"])),
 	linkToken: boundedText(128),
 	issuerLabel: boundedText(256),
 	dueAt: InvoiceDraftSchema.fields.dueAt,
+	documentHash: Bytes32Schema,
+	status: InvoiceCheckoutStatusSchema
+});
+const AssetInvoiceCheckoutSummarySchema = Schema.Struct({
+	...InvoiceCheckoutCommonSchema.fields,
 	amount: AssetAmountSchema,
 	chainId: ChainIdSchema$1,
 	tokenAddress: AddressSchema$1,
 	rawAmount: Schema.String,
 	recipientSafe: SafeAddressSchema,
 	contractAddress: AddressSchema$1,
-	settlementId: Bytes32Schema,
-	documentHash: Bytes32Schema,
-	status: Schema.Literals([
-		"sent",
-		"pending_settlement",
-		"paid",
-		"cancelled",
-		"declined",
-		"expired",
-		"unavailable"
-	])
+	settlementId: Bytes32Schema
+});
+const MoneyInvoiceCheckoutSummarySchema = Schema.Struct({
+	...InvoiceCheckoutCommonSchema.fields,
+	documentKind: Schema.Literal("invoice"),
+	amount: MoneySchema,
+	bankPayment: Schema.Struct({
+		receivingAccountId: Schema.String,
+		currency: MoneySchema.fields.currency
+	})
 });
+const InvoiceCheckoutSummarySchema = Schema.Union([AssetInvoiceCheckoutSummarySchema, MoneyInvoiceCheckoutSummarySchema]);
 const InvoiceCheckoutPreparationSchema = Schema.Struct({
-	invoice: InvoiceCheckoutSummarySchema,
+	invoice: AssetInvoiceCheckoutSummarySchema,
 	sourceWallet: AddressSchema$1,
 	allowance: OfferCheckoutPreparationSchema.fields.allowance,
 	approval: CheckoutTransactionSchema,
 	payment: CheckoutTransactionSchema
 });
 const InvoiceCheckoutStateSchema = Schema.Struct({
-	invoice: InvoiceCheckoutSummarySchema,
+	invoice: AssetInvoiceCheckoutSummarySchema,
 	verification: CheckoutStateSchema.fields.verification,
 	receipt: Schema.NullOr(CheckoutReceiptSchema),
 	latePayment: Schema.Boolean
@@ -10457,22 +11176,27 @@ const PrepareInvoiceCheckoutExecutionInputSchema = Schema.Struct({
 const { checkout: _offerSnapshotField, ...registeredCheckoutExecutionFields } = PreparedOfferCheckoutExecutionSchema.fields;
 const PreparedInvoiceCheckoutExecutionSchema = Schema.Struct({
 	...registeredCheckoutExecutionFields,
-	invoice: InvoiceCheckoutSummarySchema
+	invoice: AssetInvoiceCheckoutSummarySchema
 });
 /** Generic request checkout uses the same fixed obligation and receipt contract. */
-const RequestCheckoutSummarySchema = Schema.Struct({
-	...InvoiceCheckoutSummarySchema.fields,
+const AssetRequestCheckoutSummarySchema = Schema.Struct({
+	...AssetInvoiceCheckoutSummarySchema.fields,
 	documentKind: Schema.Literals(["memo", "invoice"])
 });
+const MoneyRequestCheckoutSummarySchema = Schema.Struct({
+	...MoneyInvoiceCheckoutSummarySchema.fields,
+	documentKind: Schema.Literal("invoice")
+});
+const RequestCheckoutSummarySchema = Schema.Union([AssetRequestCheckoutSummarySchema, MoneyRequestCheckoutSummarySchema]);
 const RequestCheckoutPreparationSchema = Schema.Struct({
-	request: RequestCheckoutSummarySchema,
+	request: AssetRequestCheckoutSummarySchema,
 	sourceWallet: InvoiceCheckoutPreparationSchema.fields.sourceWallet,
 	allowance: InvoiceCheckoutPreparationSchema.fields.allowance,
 	approval: InvoiceCheckoutPreparationSchema.fields.approval,
 	payment: InvoiceCheckoutPreparationSchema.fields.payment
 });
 const RequestCheckoutStateSchema = Schema.Struct({
-	request: RequestCheckoutSummarySchema,
+	request: AssetRequestCheckoutSummarySchema,
 	verification: InvoiceCheckoutStateSchema.fields.verification,
 	receipt: InvoiceCheckoutStateSchema.fields.receipt,
 	latePayment: InvoiceCheckoutStateSchema.fields.latePayment
@@ -10495,7 +11219,7 @@ const RequestCheckoutReconciliationSchema = Schema.Union([
 ]);
 const PreparedRequestCheckoutExecutionSchema = Schema.Struct({
 	...registeredCheckoutExecutionFields,
-	request: RequestCheckoutSummarySchema
+	request: AssetRequestCheckoutSummarySchema
 });
 //#endregion
 //#region ../../packages/protocol/src/payments/witness-schema.ts
@@ -10527,6 +11251,24 @@ const SendWitnessSchema = Schema.Struct({
 	attempts: Schema.Array(SendAttemptSchema)
 });
 //#endregion
+//#region ../../packages/protocol/src/payments/payout-operations.ts
+const quotes = { quote: Operation.action("payments.quotes.quote", {
+	input: PaymentQuoteInputSchema,
+	output: PaymentQuoteSchema,
+	errors: [
+		"NOT_AUTHENTICATED",
+		"INVALID_INPUT",
+		"ROLE_PERMISSION_DENIED",
+		"ACCOUNT_NOT_FOUND",
+		"SMART_ACCOUNT_MISSING",
+		"VERIFICATION_REQUIRED",
+		"INSUFFICIENT_BALANCE",
+		"WRONG_STATE",
+		"PROVIDER_ERROR",
+		...DEFECTS
+	]
+}) };
+//#endregion
 //#region ../../packages/protocol/src/payments/operations.ts
 const OrgId$2 = Schema.NonEmptyString;
 /** Every call: no session, or input that does not decode or validate. */
@@ -11704,7 +12446,8 @@ const RequestPartySchema = Schema.Struct({
 const RequestViewSchema = Schema.Struct({
 	id: Schema.String,
 	status: Schema.Literals(REQUEST_STATUSES),
-	amount: AssetAmountSchema,
+	amount: Schema.Union([AssetAmountSchema, MoneySchema]),
+	receivingAccountId: Schema.optionalKey(Schema.String),
 	reference: Schema.String,
 	memo: Schema.NullOr(Schema.String),
 	/** The bearer link a payer follows to the checkout. */
@@ -11713,6 +12456,7 @@ const RequestViewSchema = Schema.Struct({
 	entitlementGranted: Schema.Boolean,
 	/** The Payment an approval prepared for this request. */
 	settledPaymentId: Schema.NullOr(Schema.String),
+	settledDepositRef: Schema.optionalKey(Schema.String),
 	documents: Schema.Array(DocumentRefV3Schema),
 	expiresAt: Schema.NullOr(EpochMsSchema$1),
 	createdAt: EpochMsSchema$1,
@@ -11727,16 +12471,25 @@ const RequestViewSchema = Schema.Struct({
 	addressedToViewer: Schema.optionalKey(Schema.Boolean)
 });
 /** Ask a payer for money: a basic request, or one carrying an Invoice. */
-const IssueRequestInputSchema = Schema.Struct({
+const IssueRequestCommonSchema = Schema.Struct({
 	actor: RequestActorSchema,
-	amount: AssetAmountSchema,
 	reference: Schema.String,
 	/** Absent for a link anyone holding it may pay. */
 	payer: Schema.optionalKey(RecipientLocatorSchema),
 	memo: Schema.optionalKey(Schema.String),
-	invoice: Schema.optionalKey(InvoiceDraftSchema),
 	expiresAt: Schema.optionalKey(Schema.Finite)
 });
+const IssueRequestInputSchema = Schema.Union([Schema.Struct({
+	...IssueRequestCommonSchema.fields,
+	amount: AssetAmountSchema,
+	invoice: Schema.optionalKey(InvoiceDraftSchema),
+	receivingAccountId: Schema.optional(Schema.Never)
+}), Schema.Struct({
+	...IssueRequestCommonSchema.fields,
+	amount: MoneySchema,
+	invoice: InvoiceDraftSchema,
+	receivingAccountId: Schema.String
+})]);
 //#endregion
 //#region ../../packages/protocol/src/requests/operations.ts
 const actor = RequestActorSchema;
@@ -12170,6 +12923,10 @@ const checkouts = {
 //#endregion
 //#region ../../packages/protocol/src/operations.ts
 const OPERATIONS = [
+	...Object.values(accounts),
+	...Object.values(quotes),
+	...Object.values(bankDetails),
+	...Object.values(deposits),
 	...Object.values(sessions),
 	...Object.values(items),
 	...Object.values(annotations),
@@ -12196,6 +12953,7 @@ const OPERATIONS = [
 	...Object.values(treasuries),
 	...Object.values(setups),
 	...Object.values(contacts),
+	...Object.values(verifications$1),
 	...Object.values(destinations),
 	...Object.values(recipients),
 	...Object.values(records),
@@ -12277,9 +13035,11 @@ const PEOPLE_OPERATIONS = {
 		read: "accounts.read",
 		/** The writes an approval's actions run: the recorded signature, and the scheduled lapse. */
 		approvals: {
+			consumeApproved: "accounts.approvals.consumeApproved",
 			expire: "accounts.approvals.expire",
 			recordApproval: "accounts.approvals.recordApproval",
-			recordExpiry: "accounts.approvals.recordExpiry"
+			recordExpiry: "accounts.approvals.recordExpiry",
+			sendApproved: "accounts.approvals.sendApproved"
 		},
 		balances: { readBinding: "accounts.balances.readBinding" },
 		claims: {
@@ -12532,9 +13292,38 @@ const ORGANIZATION_OPERATIONS = {
 load: "organizations.treasuries.load" }
 	},
 	/** Parties' internal functions; its public rows join from `OPERATIONS`. */
-	parties: { contacts: { 
-	/** Posts `contact_relationship_changed` after a contact write commits. */
-emitRelationshipChanged: "parties.contacts.emitRelationshipChanged" } }
+	parties: {
+		accounts: {
+			register: "parties.accounts.register",
+			prepare: "parties.accounts.prepare",
+			finalize: "parties.accounts.finalize"
+		},
+		verificationSubmit: {
+			send: "parties.verificationSubmit.send",
+			person: "parties.verificationSubmit.person"
+		},
+		verifications: {
+			begin: "parties.verifications.begin",
+			invitePeople: "parties.verifications.invitePeople",
+			loadPeople: "parties.verifications.loadPeople",
+			loadPerson: "parties.verifications.loadPerson",
+			recordPerson: "parties.verifications.recordPerson",
+			recordOwnershipAttestation: "parties.verifications.recordOwnershipAttestation",
+			recordBusinessContact: "parties.verifications.recordBusinessContact",
+			recordBusinessContactRejected: "parties.verifications.recordBusinessContactRejected",
+			deliverPersonInvite: "parties.verifications.deliverPersonInvite",
+			load: "parties.verifications.load",
+			recordSnapshot: "parties.verifications.recordSnapshot",
+			recordPrefill: "parties.verifications.recordPrefill",
+			upload: "parties.verifications.upload",
+			recordDocument: "parties.verifications.recordDocument",
+			loadDocument: "parties.verifications.loadDocument",
+			deleteDocument: "parties.verifications.deleteDocument"
+		},
+		contacts: { 
+		/** Posts `contact_relationship_changed` after a contact write commits. */
+emitRelationshipChanged: "parties.contacts.emitRelationshipChanged" }
+	}
 };
 //#endregion
 //#region ../../packages/observability/src/operations/money.ts
@@ -12557,10 +13346,6 @@ emitSaved: "activity.annotations.emitSaved" },
 	faucetSafe: { deploy: "FaucetSafe.deploy" },
 	financialOps: { createPayee: "financialOps.createPayee" },
 	holdings: { current: "holdings.current" },
-	offramp: {
-		quote: "offramp.quote",
-		status: "offramp.status"
-	},
 	organizationPayments: {
 		pay: "organizationPayments.pay",
 		payBatch: "organizationPayments.payBatch",
@@ -12743,6 +13528,12 @@ loadBudgetLeft: "permissions.authorities.loadBudgetLeft" },
 //#endregion
 //#region ../../packages/observability/src/operations/platform.ts
 const PLATFORM_OPERATIONS = {
+	/** Native Convex deployment requests, before application telemetry can run. */
+	deployments: { convex: {
+		evaluatePush: "deployments.convex.evaluatePush",
+		startPush: "deployments.convex.startPush",
+		finishPush: "deployments.convex.finishPush"
+	} },
 	/** Applications' internal functions and HTTP endpoints; its public rows join from `OPERATIONS`. */
 	applications: {
 		bootstraps: {
@@ -12777,11 +13568,7 @@ const PLATFORM_OPERATIONS = {
 			/** The scan's read of its saved checkpoint. */
 			loadCheckpoint: "indexing.movements.loadCheckpoint",
 			/** The scan's transaction: one window's Movements and its checkpoint. */
-			applyWindow: "indexing.movements.applyWindow",
-			/** Whether a queued `deposit_settled` still describes an included Movement. */
-			isDepositTelemetryCurrent: "indexing.movements.isDepositTelemetryCurrent",
-			/** Posts `deposit_settled` after a Deposit materializes. */
-			emitDepositSettled: "indexing.movements.emitDepositSettled"
+			applyWindow: "indexing.movements.applyWindow"
 		},
 		drifts: {
 			/** The minute cron: compare Convex outcomes to Ponder facts and correct drift. */
@@ -12859,12 +13646,54 @@ const PLATFORM_OPERATIONS = {
 	}
 };
 //#endregion
+//#region ../../packages/observability/src/operations/banking.ts
+const BANKING_OPERATIONS = { banking: {
+	payouts: {
+		funding: "banking.payouts.funding",
+		prepare: "banking.payouts.prepare",
+		finalize: "banking.payouts.finalize",
+		load: "banking.payouts.load",
+		record: "banking.payouts.record",
+		reconcile: "banking.payouts.reconcile"
+	},
+	deposits: {
+		record: "banking.deposits.record",
+		load: "banking.deposits.load",
+		claimMint: "banking.deposits.claimMint",
+		recordMint: "banking.deposits.recordMint",
+		credit: "banking.deposits.credit",
+		confirm: "banking.deposits.confirm",
+		reconcile: "banking.deposits.reconcile",
+		autoMatch: "banking.deposits.autoMatch"
+	},
+	bankDetails: {
+		prepare: "banking.bankDetails.prepare",
+		finalize: "banking.bankDetails.finalize",
+		load: "banking.bankDetails.load",
+		applyLifecycle: "banking.bankDetails.applyLifecycle"
+	},
+	webhooks: {
+		receive: "banking.webhooks.receive",
+		insert: "banking.webhooks.insert",
+		process: "banking.webhooks.process",
+		load: "banking.webhooks.load",
+		record: "banking.webhooks.record"
+	},
+	reconcile: {
+		catchUp: "banking.reconcile.catchUp",
+		cursor: "banking.reconcile.cursor",
+		advance: "banking.reconcile.advance",
+		recover: "banking.reconcile.recover"
+	}
+} };
+//#endregion
 //#region ../../packages/observability/src/operations.ts
 const CAPXUL_OPERATIONS = withRows({
 	...PEOPLE_OPERATIONS,
 	...ORGANIZATION_OPERATIONS,
 	...MONEY_OPERATIONS,
-	...PLATFORM_OPERATIONS
+	...PLATFORM_OPERATIONS,
+	...BANKING_OPERATIONS
 });
 /** The named tree, with every operation row added under its own name. */
 function withRows(named) {
@@ -13044,6 +13873,8 @@ const UiStepProps = {
 * `invoice_issued` carries `issuer_scope_kind`; neither is repeated here.
 */
 const JourneyVariantProps = {
+	/** Whose bank verification Bridge decides. */
+	subject_kind: Schema.Literals(["person", "business"]),
 	/** How a person came to Get started: by themselves, an invite, money that waited, or an invoice. */
 	entry_path: Schema.optional(Schema.Literals([
 		"signup",
@@ -13051,11 +13882,13 @@ const JourneyVariantProps = {
 		"claim",
 		"invoice"
 	])),
-	/** Where the person acted. `agent` is an AI agent driving the CLI. */
+	/** Caller surface. An undeclared historical caller remains `unspecified`. */
 	surface: Schema.optional(Schema.Literals([
 		"web",
 		"cli",
-		"agent"
+		"agent",
+		"sdk",
+		"unspecified"
 	])),
 	/** Who pays: a person from their own account, or an Organization from a Budget. */
 	payer_kind: Schema.optional(Schema.Literals(["person", "organization"])),
@@ -13070,6 +13903,116 @@ const JourneyVariantProps = {
 	]))
 };
 //#endregion
+//#region ../../packages/observability/src/events/banking.ts
+const PayoutTelemetryProps = {
+	recipient_kind: Schema.optional(Schema.Literals([
+		"capxul",
+		"wallet",
+		"bank"
+	])),
+	rail: Schema.optional(Schema.Literals(["direct", "bridge"])),
+	recipient_on_capxul: Schema.optional(Schema.Boolean),
+	party_account_id: OptionalString,
+	quote_id: OptionalString,
+	rail_operation_id: OptionalString
+};
+Schema.Struct({
+	name: Schema.Literal("bank_details_issued"),
+	props: Schema.Struct({
+		...TelemetryEnvelopeProps,
+		receiving_account_id: Schema.String.check(Schema.isPattern(/^[A-Za-z0-9][A-Za-z0-9_.:-]*$/u)),
+		currency: Schema.Literals([
+			"usd",
+			"eur",
+			"gbp"
+		]),
+		bank_rail: Schema.Literals([
+			"ach",
+			"wire",
+			"sepa",
+			"faster_payments"
+		]),
+		funding_source: Schema.Literal("bank"),
+		rail: Schema.Literal("bridge"),
+		release: Schema.optional(Schema.String.check(Schema.isPattern(/^[0-9a-f]{40}$/u)))
+	})
+});
+const DepositProps = {
+	...TelemetryEnvelopeProps,
+	bank_deposit_id: Schema.String,
+	receiving_account_id: Schema.String,
+	currency: Schema.Literals([
+		"usd",
+		"eur",
+		"gbp"
+	]),
+	bank_rail: Schema.Literals([
+		"ach",
+		"wire",
+		"sepa",
+		"faster_payments"
+	]),
+	rail: Schema.Literal("bridge"),
+	release: Schema.optional(Schema.String.check(Schema.isPattern(/^[0-9a-f]{40}$/u)))
+};
+Schema.Struct({
+	name: Schema.Literal("bank_deposit_credited"),
+	props: Schema.Struct({
+		...DepositProps,
+		funding_source: Schema.Literal("bank"),
+		chain_movement_id: Schema.String
+	})
+});
+Schema.Struct({
+	name: Schema.Literal("bank_deposit_returned"),
+	props: Schema.Struct({
+		...DepositProps,
+		funding_source: Schema.Literal("bank")
+	})
+});
+Schema.Struct({
+	name: Schema.Literal("bank_deposit_matched"),
+	props: Schema.Struct({
+		...DepositProps,
+		request_id: Schema.String,
+		pay_path: Schema.Literal("bank"),
+		issuer_scope_kind: Schema.Literals(["account", "organization"]),
+		match_kind: Schema.Literals(["reference", "manual"])
+	})
+});
+Schema.Struct({
+	name: Schema.Literal("banking_webhook_received"),
+	props: Schema.Struct({
+		...TelemetryEnvelopeProps,
+		release: Schema.optional(Schema.String),
+		signature_result: Schema.Literals([
+			"valid",
+			"missing",
+			"malformed",
+			"stale",
+			"invalid"
+		]),
+		outcome: Schema.Literals([
+			"inserted",
+			"duplicate",
+			"rejected",
+			"failed"
+		]),
+		bridge_event_id: Schema.optional(Schema.String),
+		bridge_event_type: Schema.optional(Schema.String),
+		duration_ms: Schema.Finite
+	})
+});
+Schema.Struct({
+	name: Schema.Literal("banking_reconcile_completed"),
+	props: Schema.Struct({
+		...TelemetryEnvelopeProps,
+		release: Schema.optional(Schema.String),
+		recovered: Schema.Finite,
+		has_more: Schema.Boolean
+	})
+});
+//#endregion
 //#region ../../packages/observability/src/events/money.ts
 /**
 * R08 (#1966): which Safe was read, on which chain, of which token. `currency`
@@ -13131,12 +14074,14 @@ const RecipientLocatorKindSchema = Schema.Literals([
 	"handle",
 	"email",
 	"address",
-	"party"
+	"party",
+	"party_account"
 ]);
 const RecipientResolutionStatusSchema = Schema.Literals([
 	"known_party",
 	"new_email",
-	"external_address"
+	"external_address",
+	"bank_account"
 ]);
 const RecipientPartyKindSchema = Schema.Literals([
 	"person",
@@ -13144,6 +14089,7 @@ const RecipientPartyKindSchema = Schema.Literals([
 	"unresolved"
 ]);
 const RecipientTelemetryProps = {
+	...PayoutTelemetryProps,
 	recipient_locator_kind: Schema.optional(RecipientLocatorKindSchema),
 	recipient_resolution_status: Schema.optional(RecipientResolutionStatusSchema),
 	recipient_party_id: OptionalString,
@@ -13685,6 +14631,7 @@ const ActivityFilterProps = {
 	filter_status: Schema.optional(Schema.Array(Schema.Literals([
 		"pending",
 		"settling",
+		"in_transit",
 		"unresolved",
 		"pending_claim",
 		"scheduled",
@@ -14095,6 +15042,18 @@ const CLI_COMMAND_NAMES = [
 	"account.retry",
 	"balance",
 	"address",
+	"verify",
+	"verify.start",
+	"verify.status",
+	"bank",
+	"bank.details",
+	"bank.accounts",
+	"bank.accounts.add",
+	"bank.accounts.remove",
+	"bank.pay",
+	"bank.deposits",
+	"bank.match",
+	"bank.settle",
 	"payment",
 	"payment.send",
 	"payment.list",
@@ -14121,6 +15080,8 @@ const CLI_COMMAND_NAMES = [
 	"offer.deactivate",
 	"contact",
 	"contact.add",
+	"contact.bank",
+	"contact.bank.add",
 	"contact.list",
 	"contact.get",
 	"contact.label",
@@ -14199,6 +15160,8 @@ const CLI_CAPABILITIES = [
 	"diagnostics",
 	"collection",
 	"authentication",
+	"verification",
+	"banking",
 	"account",
 	"organization",
 	"contacts",
@@ -14422,6 +15385,52 @@ Schema.Struct({
 	props: MemberActivationFailedProps
 });
 //#endregion
+//#region ../../packages/observability/src/events/verification.ts
+const Identifier = Schema.String.check(Schema.isPattern(/^[A-Za-z0-9][A-Za-z0-9_.:-]*$/u));
+const FieldId = Schema.String.check(Schema.isPattern(/^[a-z][a-z0-9_]*(?:\.[a-z][a-z0-9_]*)*$/u));
+/** Journey: get_verified. Private answers and provider URLs are never properties. */
+const VerificationProps = Schema.Struct({
+	...TelemetryEnvelopeProps,
+	verification_id: Identifier,
+	invitation_id: Schema.optional(Identifier),
+	party_id: Identifier,
+	subject_kind: JourneyVariantProps.subject_kind,
+	surface: JourneyVariantProps.surface,
+	rail: Schema.Literal("bridge"),
+	verification_state: VerificationStateSchema,
+	missing_field_ids: Schema.optional(Schema.Array(FieldId)),
+	release: Schema.optional(Schema.String.check(Schema.isPattern(/^[0-9a-f]{40}$/u)))
+});
+Schema.Struct({
+	name: Schema.Literal("verification_started"),
+	props: VerificationProps
+}), Schema.Struct({
+	name: Schema.Literal("verification_terms_accepted"),
+	props: VerificationProps
+}), Schema.Struct({
+	name: Schema.Literal("verification_submitted"),
+	props: VerificationProps
+}), Schema.Struct({
+	name: Schema.Literal("verification_person_invited"),
+	props: Schema.Struct({
+		...VerificationProps.fields,
+		subject_kind: Schema.Literal("business"),
+		invitation_id: Identifier
+	})
+}), Schema.Struct({
+	name: Schema.Literal("verification_liveness_requested"),
+	props: VerificationProps
+}), Schema.Struct({
+	name: Schema.Literal("verification_information_requested"),
+	props: VerificationProps
+}), Schema.Struct({
+	name: Schema.Literal("verification_approved"),
+	props: VerificationProps
+}), Schema.Struct({
+	name: Schema.Literal("verification_rejected"),
+	props: VerificationProps
+});
+//#endregion
 //#region ../../packages/observability/src/telemetry/redaction.ts
 function redactTelemetryProps(name, props, options = {}) {
 	if (props === void 0) return void 0;
@@ -15822,7 +16831,7 @@ function mapAccountLifecycle(input) {
 }
 //#endregion
 //#region ../../packages/sdk/package.json
-var version$1 = "4.20.0-beta.31";
+var version$1 = "4.20.0-beta.33";
 //#endregion
 //#region ../../packages/sdk/src/observability/telemetry/exception-projection.ts
 /** Fixed fallback for failures that have no safe message. */
@@ -16430,7 +17439,20 @@ function admitted(row, error) {
 	});
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/account-abstraction/utils/userOperation/getInitCode.js
+//#region ../../packages/sdk/src/payments/bank-evidence.ts
+/** Bank recipients keep their chosen account identity beside the exact funding address. */
+function bankTargetsMatch(evidence) {
+	const request = evidence.request;
+	if (!("items" in request)) return true;
+	return request.items.every((source, index) => {
+		if (!("to" in source) || source.to.kind !== "party_account") return true;
+		const observation = evidence.recipientObservations[index];
+		const item = evidence.preparedCommand?.items[index];
+		return source.quoteId !== void 0 && item?.operation === "send" && observation?.recipient_locator_kind === "party_account" && observation.recipient_resolution_status === "bank_account" && observation.party_account_id === source.to.partyAccountId && observation.recipient_address.toLowerCase() === item.recipientSafe.toLowerCase();
+	});
+}
+//#endregion
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/account-abstraction/utils/userOperation/getInitCode.js
 function getInitCode(userOperation, options = {}) {
 	const { forHash } = options;
 	const { authorization, factory, factoryData } = userOperation;
@@ -16442,7 +17464,7 @@ function getInitCode(userOperation, options = {}) {
 	return concat$1([factory, factoryData ?? "0x"]);
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/account-abstraction/utils/userOperation/toPackedUserOperation.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/account-abstraction/utils/userOperation/toPackedUserOperation.js
 /** Magic suffix for paymaster signature encoding (keccak256("PaymasterSignature")[:8]) */
 const paymasterSignatureMagic = "0x22e325a297439656";
 function toPackedUserOperation(userOperation, options = {}) {
@@ -16470,7 +17492,7 @@ function toPackedUserOperation(userOperation, options = {}) {
 	};
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/account-abstraction/utils/userOperation/getUserOperationTypedData.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/account-abstraction/utils/userOperation/getUserOperationTypedData.js
 const types = { PackedUserOperation: [
 	{
 		type: "address",
@@ -16521,7 +17543,7 @@ function getUserOperationTypedData(parameters) {
 	};
 }
 //#endregion
-//#region ../../node_modules/.pnpm/viem@2.55.18_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/account-abstraction/utils/userOperation/getUserOperationHash.js
+//#region ../../node_modules/.pnpm/viem@2.55.18_patch_hash=6dka2762lzcggf7at6h6xt4khq_@typescript+typescript6@6.0.2_zod@4.6.5/node_modules/viem/_esm/account-abstraction/utils/userOperation/getUserOperationHash.js
 function getUserOperationHash(parameters) {
 	const { chainId, entryPointAddress, entryPointVersion } = parameters;
 	const userOperation = parameters.userOperation;
@@ -17224,6 +18246,144 @@ function supportedEnvelopeOf(input) {
 function envelopeV3Of(input) {
 	return SchemaParser.decodeUnknownSync(PaymentDocumentEnvelopeV3Schema, { onExcessProperty: "error" })(input);
 }
+//#endregion
+//#region ../../packages/protocol/src/documents/money-invoice-hash.ts
+const MONEY_INVOICE_V5_EIP712_TYPES = {
+	EIP712Domain: [
+		{
+			name: "name",
+			type: "string"
+		},
+		{
+			name: "version",
+			type: "string"
+		},
+		{
+			name: "chainId",
+			type: "uint256"
+		},
+		{
+			name: "salt",
+			type: "bytes32"
+		}
+	],
+	ReceiptAmountV3: [
+		{
+			name: "denomination",
+			type: "uint8"
+		},
+		{
+			name: "currency",
+			type: "string"
+		},
+		{
+			name: "asset",
+			type: "string"
+		},
+		{
+			name: "minorUnits",
+			type: "uint256"
+		},
+		{
+			name: "decimals",
+			type: "uint8"
+		}
+	],
+	Invoice: [
+		{
+			name: "kind",
+			type: "uint8"
+		},
+		{
+			name: "originId",
+			type: "bytes32"
+		},
+		{
+			name: "issuedAt",
+			type: "uint64"
+		},
+		{
+			name: "invoiceNumber",
+			type: "string"
+		},
+		{
+			name: "payerRef",
+			type: "string"
+		},
+		{
+			name: "payeeRef",
+			type: "string"
+		},
+		{
+			name: "amount",
+			type: "ReceiptAmountV3"
+		},
+		{
+			name: "receivingAccountId",
+			type: "string"
+		},
+		{
+			name: "target",
+			type: "address"
+		},
+		{
+			name: "dueAt",
+			type: "uint64"
+		},
+		{
+			name: "lineItemsHash",
+			type: "bytes32"
+		},
+		{
+			name: "note",
+			type: "string"
+		},
+		{
+			name: "discountMinor",
+			type: "uint256"
+		}
+	]
+};
+function message(envelope) {
+	return {
+		...envelope.message,
+		originId: toLowerBytes32(envelope.message.originId, "originId"),
+		issuedAt: BigInt(envelope.message.issuedAt),
+		amount: {
+			...envelope.message.amount,
+			minorUnits: BigInt(envelope.message.amount.minorUnits)
+		},
+		target: toLowerAddress(envelope.message.target, "target"),
+		dueAt: BigInt(envelope.message.dueAt),
+		lineItemsHash: toLowerBytes32(envelope.message.lineItemsHash, "lineItemsHash"),
+		discountMinor: BigInt(envelope.message.discountMinor)
+	};
+}
+function domain(envelope) {
+	return {
+		...envelope.domain,
+		chainId: BigInt(envelope.domain.chainId),
+		salt: toLowerBytes32(envelope.domain.salt, "domain.salt")
+	};
+}
+function hashMoneyInvoiceV5(envelope) {
+	return hashTypedData({
+		domain: domain(envelope),
+		primaryType: envelope.primaryType,
+		types: MONEY_INVOICE_V5_EIP712_TYPES,
+		message: message(envelope)
+	});
+}
+async function verifyMoneyInvoiceV5Signature(envelope) {
+	if (envelope.signature === void 0) return false;
+	return (await recoverTypedDataAddress({
+		domain: domain(envelope),
+		primaryType: envelope.primaryType,
+		types: MONEY_INVOICE_V5_EIP712_TYPES,
+		message: message(envelope),
+		signature: envelope.signature.value
+	})).toLowerCase() === envelope.signature.signer;
+}
 /** Version 3 field order is fixed by the accepted Documents contract. */
 const PAYMENT_DOCUMENT_V3_EIP712_TYPES = {
 	EIP712Domain: [
@@ -17481,30 +18641,45 @@ const INVOICE_V4_EIP712_TYPES = {
 function invoiceV4Message(envelope) {
 	return {
 		...envelope.message,
+		originId: toLowerBytes32(envelope.message.originId, "originId"),
+		issuedAt: BigInt(envelope.message.issuedAt),
 		amount: exactAssetV3Message(envelope.message.amount),
+		target: toLowerAddress(envelope.message.target, "target"),
+		dueAt: BigInt(envelope.message.dueAt),
+		lineItemsHash: toLowerBytes32(envelope.message.lineItemsHash, "lineItemsHash"),
 		discountMinor: BigInt(envelope.message.discountMinor)
 	};
 }
+function invoiceV4Domain(envelope) {
+	return {
+		...envelope.domain,
+		chainId: BigInt(envelope.domain.chainId),
+		salt: toLowerBytes32(envelope.domain.salt, "domain.salt")
+	};
+}
 function hashSupportedPaymentDocument(input) {
 	const envelope = supportedEnvelopeOf(input);
-	if (envelope.version === 3) return hashPaymentDocumentV3(envelope);
-	const types = INVOICE_V4_EIP712_TYPES;
-	return hashTypedData({
-		domain: envelope.domain,
-		primaryType: envelope.primaryType,
-		types,
-		message: invoiceV4Message(envelope)
-	});
+	switch (envelope.version) {
+		case 3: return hashPaymentDocumentV3(envelope);
+		case 4: return hashTypedData({
+			domain: invoiceV4Domain(envelope),
+			primaryType: envelope.primaryType,
+			types: INVOICE_V4_EIP712_TYPES,
+			message: invoiceV4Message(envelope)
+		});
+		case 5: return hashMoneyInvoiceV5(envelope);
+		default: return absurd(envelope);
+	}
 }
 async function verifySupportedPaymentDocumentSignature(input) {
 	const envelope = supportedEnvelopeOf(input);
-	if (envelope.version === 3) return verifyPaymentDocumentSignatureV3(envelope);
 	if (envelope.signature === void 0) return false;
-	const types = INVOICE_V4_EIP712_TYPES;
+	if (envelope.version === 3) return verifyPaymentDocumentSignatureV3(envelope);
+	if (envelope.version === 5) return verifyMoneyInvoiceV5Signature(envelope);
 	return (await recoverTypedDataAddress({
-		domain: envelope.domain,
+		domain: invoiceV4Domain(envelope),
 		primaryType: envelope.primaryType,
-		types,
+		types: INVOICE_V4_EIP712_TYPES,
 		message: invoiceV4Message(envelope),
 		signature: envelope.signature.value
 	})).toLowerCase() === envelope.signature.signer;
@@ -17580,12 +18755,13 @@ function requestRetryInstruction(input) {
 	const bytes = decodeCanonicalBase64V3(document.bytesBase64);
 	const envelope = decodeSupportedPaymentDocumentEnvelope(bytes);
 	if (envelope.primaryType !== "Memo" && envelope.primaryType !== "Invoice") return void 0;
+	if (envelope.version === 5) return void 0;
 	return {
 		documentHash: hashSupportedPaymentDocument(envelope),
 		contentHash: hashPaymentDocumentContentV3(bytes),
 		role: "instruction",
 		kind: envelope.primaryType === "Memo" ? "memo" : "invoice",
-		format: envelope.version === 4 ? "envelope-v4" : "envelope-v3",
+		format: paymentDocumentEnvelopeFormat(envelope),
 		issuedAt: envelope.message.issuedAt
 	};
 }
@@ -17638,14 +18814,12 @@ function retryBirthContext(evidence) {
 	};
 }
 //#endregion
-//#region ../../packages/protocol/src/evm/assets.ts
+//#region ../../packages/protocol/src/evm/test-assets.ts
 const SYNTHETIC_TEST_ASSET_SOURCE = "synthetic-test-liquidity";
 /**
-* The candidate tier: five owned test assets, every field read back from Base
-* Sepolia after the deployment that created it (chain 84532, block
-* 46,690,061). Real contracts, authored liquidity, no settlement
-* admission — so rollback is removing consumers, never relabelling a
-* deployed address or deleting its history.
+* Owned test assets, with metadata read from each creation receipt and contract.
+* Settlement admission lives in assets.ts. The fixed test exchange uses the
+* original five assets; bank EURC has its own deployment.
 *
 * `symbol` is the display string the owned contract returns. A
 * provider-supported USDC would be a different contract at a different
@@ -17707,31 +18881,45 @@ const SYNTHETIC_TEST_ASSET_FIXTURES = {
 		deploymentStartBlock: 46690061,
 		deploymentTransaction: "0x6f6b0302448c7cd7db5c118a8250e548c6e72821df373e5a27550e5cdfa635a1",
 		source: SYNTHETIC_TEST_ASSET_SOURCE
+	},
+	eurc: {
+		assetId: assetIdFor(84532, "0x15055b4ed1d248c169b92705757cd9c3d985ad5f"),
+		chainId: toChainId(84532),
+		tokenAddress: "0x15055b4ed1d248c169b92705757cd9c3d985ad5f",
+		symbol: "EURC",
+		decimals: 6,
+		peg: toCurrencyCode("EUR"),
+		deploymentStartBlock: 47893251,
+		deploymentTransaction: "0x4e0ab412d980a672336487afd10da007d51f34f17876b19b13732c8125be90ca",
+		source: SYNTHETIC_TEST_ASSET_SOURCE
 	}
 };
-const SYNTHETIC_TEST_ASSETS = [
+/** EURC is minted for bank deposits and has no admission to the fixed test exchange. */
+const SYNTHETIC_TEST_ASSETS = [...[
 	SYNTHETIC_TEST_ASSET_FIXTURES.usdc,
 	SYNTHETIC_TEST_ASSET_FIXTURES.usdt,
 	SYNTHETIC_TEST_ASSET_FIXTURES.weth,
 	SYNTHETIC_TEST_ASSET_FIXTURES.wbtc,
 	SYNTHETIC_TEST_ASSET_FIXTURES.cngn
-];
+], SYNTHETIC_TEST_ASSET_FIXTURES.eurc];
 toChainId(84532);
 /**
 * The settlement tier: the owned test assets admitted to the exact-transfer
-* path and to the treasury reads. USDC, USDT and WETH are equal assets.
+* path and to the treasury reads. USDC, USDT, WETH and EURC are admitted assets.
 * There is no default token.
 */
 const SETTLEMENT_ASSETS_BASE_SEPOLIA = Object.freeze({
 	CAPXUL_TEST_USDC: SYNTHETIC_TEST_ASSET_FIXTURES.usdc,
 	CAPXUL_TEST_USDT: SYNTHETIC_TEST_ASSET_FIXTURES.usdt,
-	CAPXUL_TEST_WETH: SYNTHETIC_TEST_ASSET_FIXTURES.weth
+	CAPXUL_TEST_WETH: SYNTHETIC_TEST_ASSET_FIXTURES.weth,
+	CAPXUL_TEST_EURC: SYNTHETIC_TEST_ASSET_FIXTURES.eurc
 });
 const CONFIGURED_MONEY_ASSETS = Object.freeze(Object.values(SETTLEMENT_ASSETS_BASE_SEPOLIA));
 Object.freeze({ BASE_SEPOLIA: Object.freeze({
 	CAPXUL_TEST_USDC: SETTLEMENT_ASSETS_BASE_SEPOLIA.CAPXUL_TEST_USDC.assetId,
 	CAPXUL_TEST_USDT: SETTLEMENT_ASSETS_BASE_SEPOLIA.CAPXUL_TEST_USDT.assetId,
-	CAPXUL_TEST_WETH: SETTLEMENT_ASSETS_BASE_SEPOLIA.CAPXUL_TEST_WETH.assetId
+	CAPXUL_TEST_WETH: SETTLEMENT_ASSETS_BASE_SEPOLIA.CAPXUL_TEST_WETH.assetId,
+	CAPXUL_TEST_EURC: SETTLEMENT_ASSETS_BASE_SEPOLIA.CAPXUL_TEST_EURC.assetId
 }) });
 /**
 * Every known asset in ONE identity space. The tiers above declare admission;
@@ -17799,8 +18987,12 @@ function sameAmount(left, right) {
 }
 function verifySupportedPaymentDocumentContext(input, context) {
 	const envelope = supportedEnvelopeOf(input);
-	if (envelope.version === 3) return verifyPaymentDocumentContextV3(envelope, context);
-	return envelope.domain.chainId === context.chainId && envelope.message.originId === context.originId && envelope.message.target === context.target && sameAmount(envelope.message.amount, context.amount);
+	switch (envelope.version) {
+		case 3: return verifyPaymentDocumentContextV3(envelope, context);
+		case 4: return envelope.domain.chainId === context.chainId && envelope.message.originId === context.originId && envelope.message.target === context.target && sameAmount(envelope.message.amount, context.amount);
+		case 5: return false;
+		default: return absurd(envelope);
+	}
 }
 function verifyPaymentDocumentContextV3(envelopeInput, context) {
 	const envelope = envelopeV3Of(envelopeInput);
@@ -17839,7 +19031,7 @@ function validateInvoiceLineItems(input) {
 	const derivedHash = hashLineItemsV3(items);
 	const totalMinor = lineItemsTotalMinorV3(items);
 	const hashMatches = derivedHash === envelope.message.lineItemsHash;
-	const discountMinor = envelope.version === 4 ? BigInt(envelope.message.discountMinor) : 0n;
+	const discountMinor = envelope.version === 3 ? 0n : BigInt(envelope.message.discountMinor);
 	const totalMatches = items.length === 0 ? discountMinor === 0n : discountMinor <= totalMinor && totalMinor - discountMinor === BigInt(envelope.message.amount.minorUnits);
 	return {
 		ok: hashMatches && totalMatches,
@@ -17849,8 +19041,8 @@ function validateInvoiceLineItems(input) {
 }
 /** Compare generated Invoice content with the confirmed draft before signing. */
 function invoiceDraftMatchesEnvelope(envelope, draft) {
-	if (envelope.primaryType !== "Invoice" || envelope.version !== invoiceDraftVersion(draft)) return false;
-	return envelope.message.invoiceNumber === draft.invoiceNumber && envelope.message.payerRef === draft.payerRef && envelope.message.payeeRef === draft.payeeRef && envelope.message.dueAt === draft.dueAt && envelope.message.lineItemsHash === hashLineItemsV3(draft.lineItems) && (envelope.version !== 4 || envelope.message.note === (draft.note ?? "") && envelope.message.discountMinor === (draft.discountMinor ?? "0"));
+	if (envelope.primaryType !== "Invoice" || envelope.version !== 5 && envelope.version !== invoiceDraftVersion(draft)) return false;
+	return envelope.message.invoiceNumber === draft.invoiceNumber && envelope.message.payerRef === draft.payerRef && envelope.message.payeeRef === draft.payeeRef && envelope.message.dueAt === draft.dueAt && envelope.message.lineItemsHash === hashLineItemsV3(draft.lineItems) && (envelope.version === 3 || envelope.message.note === (draft.note ?? "") && envelope.message.discountMinor === (draft.discountMinor ?? "0"));
 }
 function hashAdjustmentsV3(input) {
 	const adjustments = SchemaParser.decodeUnknownSync(adjustmentsV3Schema, { onExcessProperty: "error" })(input);
@@ -17886,6 +19078,7 @@ async function receiptLinksMatch(source, links) {
 }
 async function documentContextMatches(input, command, item, bundle, ref, exact) {
 	const envelope = bundle.envelope;
+	if (envelope.version === 5) return false;
 	const request = input.evidence.request;
 	const confirmedInstruction = "kind" in request && request.kind === "payment_request" ? request.confirmation.instruction : requestRetryInstruction(input);
 	const originId = confirmedInstruction === void 0 ? hashDocumentOriginIdV3({
@@ -17906,7 +19099,7 @@ async function documentContextMatches(input, command, item, bundle, ref, exact)
 			minorUnits: exact.minorUnits,
 			decimals: exact.decimals
 		}
-	}) && hashSupportedPaymentDocument(envelope) === item.documentHash && ref.documentHash === item.documentHash && ref.role === "instruction" && ref.format === (envelope.version === 4 ? "envelope-v4" : "envelope-v3") && ref.issuedAt === envelope.message.issuedAt && (envelope.signature === void 0 || await verifySupportedPaymentDocumentSignature(envelope));
+	}) && hashSupportedPaymentDocument(envelope) === item.documentHash && ref.documentHash === item.documentHash && ref.role === "instruction" && ref.format === paymentDocumentEnvelopeFormat(envelope) && ref.issuedAt === envelope.message.issuedAt && (envelope.signature === void 0 || await verifySupportedPaymentDocumentSignature(envelope));
 }
 function payslipContentMatches(source, bundle, ref) {
 	const envelope = bundle.envelope;
@@ -19252,7 +20445,7 @@ async function verifiedPreparedCommand(evidence, sessionEmail, signerAddress, ch
 	const permissionId = "kind" in evidence.request && evidence.request.kind === "payment_request" ? evidence.request.confirmation.permissionId : "items" in evidence.request ? evidence.request.permissionId : evidence.request.kind === "retry" && evidence.sourceCommand?.kind === "birth" ? evidence.sourceCommand.permissionId : void 0;
 	if ("kind" in evidence.request && evidence.request.kind === "offer_checkout") return checkout !== void 0 && "checkoutId" in checkout && verifiesOfferCheckoutBirthEvidence(evidence, checkout, chainId) && verifiesMoneyOperation(evidence, expectedSafe, chainId, evidence.request.permissionId);
 	if ("kind" in evidence.request && evidence.request.kind === "invoice_checkout") return checkout !== void 0 && "linkToken" in checkout && sourceWallet !== void 0 && verifiesInvoiceCheckoutBirthEvidence(evidence, checkout, chainId, sourceWallet) && verifiesMoneyOperation(evidence, expectedSafe, chainId, evidence.request.permissionId);
-	return verifiesMoneyOperation(evidence, expectedSafe, chainId, permissionId) && await verifiesMoneyBirthEvidence(evidence);
+	return bankTargetsMatch(evidence) && verifiesMoneyOperation(evidence, expectedSafe, chainId, permissionId) && await verifiesMoneyBirthEvidence(evidence);
 }
 //#endregion
 //#region ../../packages/sdk/src/money/asset-amount.ts
@@ -19329,7 +20522,11 @@ function emitPaymentInitiated(telemetry, input, runPromise) {
 			payment_lifecycle_id: `payment_lifecycle_${input.paymentId}`,
 			...input.commandId === void 0 ? {} : { command_id: input.commandId },
 			...input.executionId === void 0 ? {} : { execution_id: input.executionId },
-			...input.recipient
+			...input.recipient,
+			...input.recipient.recipient_locator_kind === "party_account" ? {
+				recipient_kind: "bank",
+				rail: "bridge"
+			} : {}
 		}
 	}, runPromise);
 }
@@ -19519,7 +20716,7 @@ function plannedCommitmentMatches(prepared) {
 function recipientMatches(prepared, target) {
 	const { to, externalAddressAcknowledged } = prepared.payment;
 	const observation = prepared.recipientObservation;
-	return observation.recipient_locator_kind === to.kind && observation.recipient_address.toLowerCase() === target && observation.external_address_acknowledged === (externalAddressAcknowledged === true) && (to.kind !== "address" || to.address.toLowerCase() === target) && (to.kind !== "party" || observation.recipient_party_id === to.partyId) && (to.kind !== "handle" || observation.recipient_handle?.toLowerCase() === to.handle.toLowerCase());
+	return observation.recipient_locator_kind === to.kind && observation.recipient_address.toLowerCase() === target && observation.external_address_acknowledged === (externalAddressAcknowledged === true) && (to.kind !== "party_account" || observation.recipient_resolution_status === "bank_account" && observation.party_account_id === to.partyAccountId && prepared.payment.quoteId !== void 0) && (to.kind !== "address" || to.address.toLowerCase() === target) && (to.kind !== "party" || observation.recipient_party_id === to.partyId) && (to.kind !== "handle" || observation.recipient_handle?.toLowerCase() === to.handle.toLowerCase());
 }
 function itemMatches(prepared, amount) {
 	const { item, payment } = prepared;
@@ -19584,6 +20781,7 @@ function verifiesPersonalOperation(prepared, expectedSafe, chainId) {
 async function documentReferenceMatches(prepared, amount) {
 	const { item, documentBundle: bundle, instructionDocument: ref } = prepared;
 	const envelope = bundle.envelope;
+	if (envelope.version === 5) return false;
 	if (item.operation !== "send" && item.operation !== "create_commitment") return false;
 	return bundle.originId === hashDocumentOriginIdV3({
 		chainId: prepared.chainId,
@@ -19597,7 +20795,7 @@ async function documentReferenceMatches(prepared, amount) {
 		source: prepared.userOpSenderSafe.toLowerCase(),
 		target: item.recipientSafe.toLowerCase(),
 		amount
-	}) && hashSupportedPaymentDocument(envelope) === item.documentHash && ref.documentHash === item.documentHash && ref.role === "instruction" && ref.format === (envelope.version === 4 ? "envelope-v4" : "envelope-v3") && ref.issuedAt === envelope.message.issuedAt && bundle.adjustments === void 0 && (envelope.signature === void 0 || await verifySupportedPaymentDocumentSignature(envelope));
+	}) && hashSupportedPaymentDocument(envelope) === item.documentHash && ref.documentHash === item.documentHash && ref.role === "instruction" && ref.format === paymentDocumentEnvelopeFormat(envelope) && ref.issuedAt === envelope.message.issuedAt && bundle.adjustments === void 0 && (envelope.signature === void 0 || await verifySupportedPaymentDocumentSignature(envelope));
 }
 function generatedDraftMatches(prepared) {
 	const { envelope, lineItems } = prepared.documentBundle;
@@ -19955,6 +21153,21 @@ function executeOrganizationPayment(deps, input, signal, onPreparedClosed, contr
 	})).pipe(Effect.mapError((publicError) => ({ publicError })))), controls), deps.runPromise), matchesIntent(input), true, onPreparedClosed, signal, controls, onPrepared);
 }
 //#endregion
+//#region ../../packages/sdk/src/payments/quotes.ts
+/** The immutable method scope owns the payer. The backend returns exact funding instructions. */
+function makePaymentQuote(deps, actor = { kind: "account" }) {
+	return (input, options) => {
+		const controls = deps.invocationControls?.(options) ?? options;
+		return runCapxulEffect(callOperation(deps.convexCall, quotes.quote, copyInvocationObservation(controls, {
+			...input,
+			actor
+		})).pipe(Effect.tap(() => Effect.annotateCurrentSpan({
+			party_account_id: input.to.partyAccountId,
+			...actor.kind === "org" ? { verified_organization_id: actor.orgId } : {}
+		}))), controls, quotes.quote.name, deps.runPromise);
+	};
+}
+//#endregion
 //#region ../../packages/sdk/src/parties/backend-refs.ts
 function nonEmptyRefValue(value, field) {
 	const trimmed = value.trim();
@@ -20015,6 +21228,176 @@ function backendRef(locator) {
 	}
 }
 //#endregion
+//#region ../../packages/sdk/src/parties/verification-target.ts
+const verificationTargetInput = (target) => target.kind === "organization" ? { orgId: target.orgId } : target.kind === "invitation" ? { invitationId: target.invitationId } : {};
+/** Refuse a decoded response that identifies a different immutable scope. */
+const validateVerificationTarget = (target, status) => {
+	return (target.kind === "personal" ? status.invitationId === void 0 && status.organization === void 0 && status.subjectKind !== "business" && status.subjectKind !== "business_person" : target.kind === "organization" ? status.invitationId === void 0 && status.subjectKind !== "person" && status.subjectKind !== "business_person" && (status.organization?.id === target.orgId || status.status === "not_started" && status.organization === void 0) : status.invitationId === target.invitationId && status.subjectKind !== "business") ? Effect.succeed(status) : Effect.fail(Errors.providerError("verification", "validateResponseScope", "Verification response scope does not match."));
+};
+//#endregion
+//#region ../../packages/sdk/src/parties/verifications.ts
+const documentReply = Schema.Struct({ documentId: Schema.NonEmptyString });
+const documentFields = new Set(VERIFICATION_DOCUMENT_FIELDS);
+const uploadFailure = () => Errors.providerError("verification", "uploadDocument", "The verification document could not be uploaded.");
+function makeVerificationMethods(deps, selectedTarget) {
+	const target = selectedTarget ?? { kind: "personal" };
+	let journeyId;
+	let actorId;
+	const context = (options) => {
+		const resolved = deps.invocationControls?.(options) ?? options;
+		const snapshot = readInvocationObservation(resolved) ?? { active: true };
+		if (actorId !== snapshot.actorId) journeyId = void 0;
+		actorId = snapshot.actorId;
+		journeyId = options?.journey_id ?? journeyId ?? snapshot.context?.journeyId ?? `verification_${crypto.randomUUID()}`;
+		const controls = {
+			...resolved,
+			journey_id: journeyId,
+			correlation_id: resolved?.correlation_id ?? snapshot.context?.correlationId ?? crypto.randomUUID()
+		};
+		const captured = snapshot.active ? withCapturedAttemptContext(snapshot.context, controls) : void 0;
+		return attachInvocationObservation(controls, {
+			...snapshot,
+			...captured === void 0 ? {} : { context: captured }
+		});
+	};
+	const remember = (status) => {
+		if (status.journeyId !== "") journeyId = status.journeyId;
+		return status;
+	};
+	const upload = (field, blob, options) => Effect.gen(function* () {
+		if (!documentFields.has(field) || !(blob instanceof Blob) || blob.size === 0) return yield* Effect.fail(Errors.invalidInput("files", "Provide a supported verification document."));
+		const jwt = yield* deps.authClient.getConvexJwt(options).pipe(Effect.mapError(toPublicError$1));
+		return yield* Effect.tryPromise({
+			try: async (signal) => {
+				const response = await (deps.fetch ?? globalThis.fetch)(new URL("/parties/verifications/documents", deps.siteBaseUrl), {
+					method: "POST",
+					headers: {
+						Authorization: `Bearer ${jwt.token}`,
+						"Content-Type": blob.type || "application/octet-stream",
+						"X-Capxul-Document-Field": field
+					},
+					body: blob,
+					signal,
+					redirect: "error"
+				});
+				if (!response.ok) throw uploadFailure();
+				return await response.json();
+			},
+			catch: uploadFailure
+		}).pipe(Effect.flatMap(Schema.decodeUnknownEffect(documentReply)), Effect.mapError(uploadFailure), Effect.map((reply) => reply.documentId));
+	});
+	const submit = (input, options) => {
+		const controls = context(options);
+		const hasAnswers = input?.answers !== void 0 || input?.files !== void 0;
+		const people = input?.people;
+		const row = people !== void 0 ? verifications$1.invite : hasAnswers ? verifications$1.answer : verifications$1.start;
+		return runCapxulEffect(Effect.gen(function* () {
+			if (people !== void 0 && target.kind !== "organization") return yield* Effect.fail(Errors.invalidInput("people", "People require an Organization verification scope."));
+			let status;
+			if (!hasAnswers) status = yield* callOperation(deps.convexCall, verifications$1.start, copyInvocationObservation(controls, {
+				...verificationTargetInput(target),
+				surface: input?.surface ?? "sdk"
+			}));
+			else {
+				const answers = { ...input?.answers };
+				for (const [field, blob] of Object.entries(input?.files ?? {})) answers[field] = yield* upload(field, blob, controls);
+				status = yield* callOperation(deps.convexCall, verifications$1.answer, copyInvocationObservation(controls, {
+					...verificationTargetInput(target),
+					answers,
+					surface: input?.surface ?? "sdk"
+				}));
+			}
+			if (people !== void 0 && target.kind === "organization") status = yield* callOperation(deps.convexCall, verifications$1.invite, copyInvocationObservation(controls, {
+				orgId: target.orgId,
+				people
+			}));
+			return yield* validateVerificationTarget(target, status);
+		}).pipe(Effect.map(remember)), controls, row.name, deps.runPromise);
+	};
+	const scoped = {
+		start: submit,
+		status: (options) => {
+			const controls = context(options);
+			return runCapxulEffect(callOperation(deps.convexCall, verifications$1.status, copyInvocationObservation(controls, verificationTargetInput(target))).pipe(Effect.flatMap((status) => validateVerificationTarget(target, status)), Effect.map(remember)), controls, verifications$1.status.name, deps.runPromise);
+		}
+	};
+	return selectedTarget === void 0 ? {
+		...scoped,
+		forInvitation: (invitationId) => makeVerificationMethods(deps, {
+			kind: "invitation",
+			invitationId
+		})
+	} : scoped;
+}
+//#endregion
+//#region ../../packages/sdk/src/parties/relationship-calls.ts
+function relationshipCalls(deps, convexCall) {
+	const actor = deps.actor.kind === "account" ? { kind: "account" } : {
+		kind: "org",
+		orgId: deps.actor.orgId
+	};
+	const observeContactScope = Effect.annotateCurrentSpan({
+		scope_kind: actor.kind === "org" ? "organization" : "account",
+		...actor.kind === "org" ? { verified_organization_id: actor.orgId } : {}
+	});
+	/** One observed call of one contacts row, its reply projected inside the call, under the row's name. */
+	const book = (row, args, options, project) => {
+		const controls = deps.invocationControls?.(options) ?? options;
+		return runPortEffect(projectReply(callOperation(convexCall, row, copyInvocationObservation(controls, args)).pipe(Effect.mapError((publicError) => ({ publicError }))), project).pipe(Effect.tap(() => observeContactScope)), controls, row.name, deps.runPromise);
+	};
+	/** As `book`, for a projection that refuses the reply as a value. */
+	const bookChecked = (row, args, options, check) => {
+		const controls = deps.invocationControls?.(options) ?? options;
+		return runPortEffect(callOperation(convexCall, row, copyInvocationObservation(controls, args)).pipe(Effect.mapError((publicError) => ({ publicError })), Effect.flatMap((output) => {
+			const checked = check(output);
+			return checked.ok ? Effect.succeed(checked.value) : Effect.fail({ publicError: checked.error });
+		}), Effect.tap(() => observeContactScope)), controls, row.name, deps.runPromise);
+	};
+	return {
+		deps,
+		actor,
+		convexCall,
+		observeContactScope,
+		book,
+		bookChecked
+	};
+}
+function missingConvexCall(operation) {
+	return Promise.resolve({
+		ok: false,
+		error: Errors.providerError("convex", operation, "ConvexCallPort is required")
+	});
+}
+//#endregion
+//#region ../../packages/sdk/src/parties/accounts.ts
+/** The actor is captured once. Private input is admitted by the backend's field rules. */
+function makeBankAccountMethods({ actor, book }) {
+	return {
+		requirements: (input, options) => book(accounts.requirements, {
+			...input,
+			actor
+		}, options, (value) => value),
+		add: (input, options) => book(accounts.add, {
+			...input,
+			actor
+		}, options, (value) => value),
+		list: (input, options) => book(accounts.list, {
+			...input,
+			actor
+		}, options, (value) => value),
+		remove: (input, options) => book(accounts.remove, {
+			...input,
+			actor
+		}, options, (value) => value)
+	};
+}
+const unavailableBankAccountMethods = () => ({
+	requirements: () => missingConvexCall(accounts.requirements.name),
+	add: () => missingConvexCall(accounts.add.name),
+	list: () => missingConvexCall(accounts.list.name),
+	remove: () => missingConvexCall(accounts.remove.name)
+});
+//#endregion
 //#region ../../packages/sdk/src/parties/recipients.ts
 function makeTargetsMethods(deps) {
 	return { resolve: (reference, options) => {
@@ -20112,6 +21495,10 @@ async function payObligationRegistered(deps, input, options, generic) {
 		error: Errors.invalidInput(generic ? "request" : "invoice", generic ? "Request is unavailable" : "Invoice is unavailable")
 	};
 	const snapshot = frozen.value;
+	if ("bankPayment" in snapshot) return {
+		ok: false,
+		error: Errors.invalidInput("invoice", "Pay this Invoice by bank transfer.")
+	};
 	const { sourceWallet: _sourceWallet, ...wireInput } = input;
 	const request = {
 		kind: "invoice_checkout",
@@ -20384,6 +21771,8 @@ function mapInboxItem(item) {
 		status: mapInboxStatus(item.status),
 		documents: item.documents ?? [],
 		...item.issuerSafe === void 0 ? {} : { issuerSafe: item.issuerSafe },
+		...item.receivingAccountId === void 0 ? {} : { receivingAccountId: item.receivingAccountId },
+		...item.settledDepositRef === void 0 ? {} : { settledDepositRef: item.settledDepositRef },
 		...item.settledPaymentId == null ? {} : { paymentId: toPaymentId(item.settledPaymentId) }
 	};
 }
@@ -20434,6 +21823,7 @@ function makeOfferMethods(deps) {
 }
 //#endregion
 //#region ../../packages/sdk/src/requests/receivables.ts
+const isMoneyRequestIssue = (input) => "currency" in input.amount;
 function makeActorRequestsMethods(calls) {
 	const { actor, deps, book } = calls;
 	return {
@@ -20443,15 +21833,24 @@ function makeActorRequestsMethods(calls) {
 				const controls = deps.invocationControls?.(options) ?? options;
 				return runCapxulEffect(Effect.fail(payer.error), controls, receivables.issue.name, deps.runPromise);
 			}
-			return book(receivables.issue, {
+			const common = {
 				actor,
 				payer: payer.value,
-				amount: input.amount,
 				reference: input.reference,
 				...input.memo === void 0 ? {} : { memo: input.memo },
-				...input.invoice === void 0 ? {} : { invoice: input.invoice },
 				...input.expiresAt === void 0 ? {} : { expiresAt: input.expiresAt }
-			}, options, (request) => mapActorRequest(request, input.payer));
+			};
+			const issueArgs = isMoneyRequestIssue(input) ? {
+				...common,
+				amount: input.amount,
+				invoice: input.invoice,
+				receivingAccountId: input.receivingAccountId
+			} : {
+				...common,
+				amount: input.amount,
+				...input.invoice === void 0 ? {} : { invoice: input.invoice }
+			};
+			return book(receivables.issue, issueArgs, options, (request) => mapActorRequest(request, input.payer));
 		},
 		list: (options) => book(receivables.listCurrent, { actor }, options, (requests) => mapPage(requests, (request) => mapActorRequest(request))),
 		get: (requestId, options) => book(receivables.getCurrent, {
@@ -20490,49 +21889,12 @@ function mapActorRequest(request, payer) {
 		...request.settledPaymentId == null ? {} : { paymentId: toPaymentId(request.settledPaymentId) },
 		...typeof request.addressedToViewer === "boolean" ? { addressedToViewer: request.addressedToViewer } : {},
 		...request.issuerSafe === void 0 ? {} : { issuerSafe: request.issuerSafe },
+		...request.receivingAccountId === void 0 ? {} : { receivingAccountId: request.receivingAccountId },
+		...request.settledDepositRef === void 0 ? {} : { settledDepositRef: request.settledDepositRef },
 		linkToken: request.linkToken
 	};
 }
 //#endregion
-//#region ../../packages/sdk/src/parties/relationship-calls.ts
-function relationshipCalls(deps, convexCall) {
-	const actor = deps.actor.kind === "account" ? { kind: "account" } : {
-		kind: "org",
-		orgId: deps.actor.orgId
-	};
-	const observeContactScope = Effect.annotateCurrentSpan({
-		scope_kind: actor.kind === "org" ? "organization" : "account",
-		...actor.kind === "org" ? { verified_organization_id: actor.orgId } : {}
-	});
-	/** One observed call of one contacts row, its reply projected inside the call, under the row's name. */
-	const book = (row, args, options, project) => {
-		const controls = deps.invocationControls?.(options) ?? options;
-		return runPortEffect(projectReply(callOperation(convexCall, row, copyInvocationObservation(controls, args)).pipe(Effect.mapError((publicError) => ({ publicError }))), project).pipe(Effect.tap(() => observeContactScope)), controls, row.name, deps.runPromise);
-	};
-	/** As `book`, for a projection that refuses the reply as a value. */
-	const bookChecked = (row, args, options, check) => {
-		const controls = deps.invocationControls?.(options) ?? options;
-		return runPortEffect(callOperation(convexCall, row, copyInvocationObservation(controls, args)).pipe(Effect.mapError((publicError) => ({ publicError })), Effect.flatMap((output) => {
-			const checked = check(output);
-			return checked.ok ? Effect.succeed(checked.value) : Effect.fail({ publicError: checked.error });
-		}), Effect.tap(() => observeContactScope)), controls, row.name, deps.runPromise);
-	};
-	return {
-		deps,
-		actor,
-		convexCall,
-		observeContactScope,
-		book,
-		bookChecked
-	};
-}
-function missingConvexCall(operation) {
-	return Promise.resolve({
-		ok: false,
-		error: Errors.providerError("convex", operation, "ConvexCallPort is required")
-	});
-}
-//#endregion
 //#region ../../packages/sdk/src/parties/contacts.ts
 function makeAddressBookMethods(calls) {
 	const { actor, deps, book } = calls;
@@ -20604,6 +21966,7 @@ function makeActorRelationshipMethods(deps) {
 	if (convexCall === void 0) return {
 		offers,
 		addressBook: unavailableAddressBookMethods(),
+		bankAccounts: unavailableBankAccountMethods(),
 		requests: unavailableActorRequestsMethods(),
 		inbox: unavailableInboxMethods(),
 		profile
@@ -20612,6 +21975,7 @@ function makeActorRelationshipMethods(deps) {
 	return {
 		offers,
 		addressBook: makeAddressBookMethods(calls),
+		bankAccounts: makeBankAccountMethods(calls),
 		requests: makeActorRequestsMethods(calls),
 		inbox: makeInboxMethods(calls),
 		profile
@@ -20816,12 +22180,16 @@ function paymentExecutionIntent(input) {
 		ok: false,
 		error: Errors.notImplemented("payments", "pay.organizationActor")
 	};
-	const to = normalizeTargetForBackend(input.to, "to");
-	if (!to.ok) return to;
 	try {
+		const to = input.to?.kind === "party_account" ? {
+			ok: true,
+			value: input.to
+		} : normalizeTargetForBackend(input.to, "to");
+		if (!to.ok) return to;
 		const decoded = Schema.decodeResult(PaymentExecutionIntentSchema, { onExcessProperty: "error" })({
 			to: to.value,
 			amount: input.amount,
+			...input.quoteId === void 0 ? {} : { quoteId: input.quoteId },
 			...input.externalAddressAcknowledged === void 0 ? {} : { externalAddressAcknowledged: input.externalAddressAcknowledged },
 			...input.paymentType === void 0 ? {} : { paymentType: input.paymentType },
 			...input.document === void 0 ? {} : { document: input.document },
@@ -20835,10 +22203,10 @@ function paymentExecutionIntent(input) {
 			ok: false,
 			error: invalidPaymentField(decoded.failure.issue, "invalid personal payment input")
 		};
-	} catch {
+	} catch (cause) {
 		return {
 			ok: false,
-			error: Errors.invalidInput("payment", "invalid personal payment input")
+			error: cause instanceof CapxulError ? cause : Errors.invalidInput("payment", "invalid personal payment input")
 		};
 	}
 }
@@ -21362,6 +22730,7 @@ function makePaymentsMethods(deps) {
 	const pay = makePersonalPay(deps);
 	const { runLifecycle, retryPayment } = makeLifecycleRunners(deps);
 	return {
+		quote: makePaymentQuote(deps),
 		subscribe: (paymentId, listener, options) => subscribePersonalPayment({
 			actor: deps.actor,
 			convexCall: deps.convexCall,
@@ -21401,32 +22770,6 @@ function makePaymentsMethods(deps) {
 	};
 }
 //#endregion
-//#region ../../packages/sdk/src/payments/offramp.ts
-function makeOfframpMethods() {
-	return {
-		quote: (input, options) => {
-			if (options?.signal?.aborted) return Promise.resolve({
-				ok: false,
-				error: Errors.cancelled({ operation: CAPXUL_OPERATIONS.offramp.quote })
-			});
-			return Promise.resolve({
-				ok: false,
-				error: Errors.notImplemented("offramp", "quote")
-			});
-		},
-		status: (offrampId, options) => {
-			if (options?.signal?.aborted) return Promise.resolve({
-				ok: false,
-				error: Errors.cancelled({ operation: CAPXUL_OPERATIONS.offramp.status })
-			});
-			return Promise.resolve({
-				ok: false,
-				error: Errors.notImplemented("offramp", "status")
-			});
-		}
-	};
-}
-//#endregion
 //#region ../../packages/sdk/src/payments/organization-payment-requests.ts
 const organizationPaymentIntentSchema = Schema.Struct({
 	orgId: PrepareOrganizationPaymentExecutionInputSchema.fields.orgId,
@@ -21712,6 +23055,10 @@ function makeOrganizationPaymentsMethods(deps, orgId) {
 	}), observationOnlyControls(controls), operation, deps.runPromise);
 	return {
 		...makeOrganizationPaymentReadMethods(deps, orgId),
+		quote: makePaymentQuote(deps, {
+			kind: "org",
+			orgId
+		}),
 		retry: (paymentId, options) => {
 			const controls = deps.invocationControls?.(options) ?? options;
 			return runCapxulEffect(Effect.gen(function* () {
@@ -21791,21 +23138,6 @@ function makeOrganizationPaymentsMethods(deps, orgId) {
 	};
 }
 //#endregion
-//#region ../../packages/sdk/src/observability/telemetry/emit-once.ts
-/**
-* A product event that could not be built or emitted never reaches the caller
-* as a failure, and is never lost silently: the drop is logged by event name.
-*/
-function logDroppedEvent(eventName) {
-	return (effect) => effect.pipe(Effect.catchCause((cause) => {
-		const reason = Cause.squash(cause);
-		return Effect.logWarning("product.telemetry.emit.dropped").pipe(Effect.annotateLogs({
-			product_event: eventName,
-			reason: reason instanceof Error ? reason.message : String(reason)
-		}), Effect.ignoreCause);
-	}));
-}
-//#endregion
 //#region ../../packages/sdk/src/accounts/events.ts
 async function emitProvisioningTelemetry(telemetry, smartAccount, runPromise) {
 	if (telemetry === void 0) return;
@@ -21855,50 +23187,16 @@ function emitAccountBalanceFailed(telemetry, error, runPromise) {
 		}
 	}, runPromise);
 }
-/** A successful authorized instruction read, not an incoming transfer. */
-function emitDepositInitiated(telemetry, instructions, source, verifiedOrganizationId) {
-	return Effect.gen(function* () {
-		const organizationId = safeEngineeringIdentifier(verifiedOrganizationId);
-		const fields = {
-			scope_kind: organizationId === void 0 ? "account" : "organization",
-			account_kind: organizationId === void 0 ? "personalSafe" : "orgTreasury",
-			...Number.isSafeInteger(instructions.chainId) && instructions.chainId > 0 ? { chain_id: instructions.chainId } : {},
-			...instructions.network === "base-sepolia" ? { network: instructions.network } : {},
-			...organizationId === void 0 ? {} : { verified_organization_id: organizationId }
-		};
-		yield* Effect.annotateCurrentSpan(fields);
-		if (telemetry === void 0) return;
-		const span = yield* Effect.currentSpan;
-		const snapshot = readInvocationObservation(source);
-		const { organizationId: _hint, ...context } = snapshot?.context ?? {};
-		const event = {
-			name: "deposit_initiated",
-			props: {
-				scope_kind: fields.scope_kind,
-				account_kind: fields.account_kind,
-				...fields.chain_id === void 0 ? {} : { chain_id: fields.chain_id },
-				...fields.network === void 0 ? {} : { network: fields.network },
-				$groups: organizationId === void 0 ? {} : { organization: organizationId },
-				...safeEngineeringIdentifier(snapshot?.actorId) === void 0 ? {} : {
-					actor_id: snapshot.actorId,
-					actor_kind: "authenticated",
-					distinct_id: snapshot.actorId
-				},
-				trace_id: span.traceId,
-				span_id: span.spanId,
-				...organizationId === void 0 ? {} : { organization_id: organizationId }
-			}
-		};
-		yield* telemetry.emit(snapshot === void 0 ? event : attachInvocationObservation(event, {
-			active: snapshot.active,
-			...snapshot?.actorId === void 0 ? {} : { actorId: snapshot.actorId },
-			context: {
-				...context,
-				...organizationId === void 0 ? {} : { organizationId },
-				traceparent: `00-${span.traceId}-${span.spanId}-01`
-			}
-		}));
-	}).pipe(logDroppedEvent("deposit_initiated"));
+/** Keep instruction-read facts on the operation span without a product event. */
+function annotateDepositInstructions(instructions, verifiedOrganizationId) {
+	const organizationId = safeEngineeringIdentifier(verifiedOrganizationId);
+	return Effect.annotateCurrentSpan({
+		scope_kind: organizationId === void 0 ? "account" : "organization",
+		account_kind: organizationId === void 0 ? "personalSafe" : "orgTreasury",
+		...Number.isSafeInteger(instructions.chainId) && instructions.chainId > 0 ? { chain_id: instructions.chainId } : {},
+		...instructions.network === "base-sepolia" ? { network: instructions.network } : {},
+		...organizationId === void 0 ? {} : { verified_organization_id: organizationId }
+	});
 }
 //#endregion
 //#region ../../packages/sdk/src/accounts/account-phases.ts
@@ -22447,8 +23745,104 @@ function makeAccountMethods(deps) {
 	};
 }
 //#endregion
+//#region ../../packages/sdk/src/accounts/organization-approvals.ts
+/** The Organization Payment prepared for `signerAddress` and checked, before any approval. */
+async function prepareVerifiedOrganizationPayment(deps, input, signerAddress, signal) {
+	const { organizationId, permissionId, requestKey, lineage, ...item } = input;
+	const intent = organizationPaymentIntent(organizationId, {
+		permissionId,
+		items: [item],
+		...lineage === void 0 ? {} : { lineage },
+		...requestKey === void 0 ? {} : { requestKey }
+	}, true);
+	if (!intent.ok) return intent;
+	const session = deps.actor?.authSession() ?? null;
+	if (session === null || deps.chainId === void 0) return {
+		ok: false,
+		error: Errors.notAuthenticated()
+	};
+	const expected = {
+		...intent.value,
+		requestKey: requestKey ?? `pay_${crypto.randomUUID()}`
+	};
+	const prepared = await runIfActive(signal, CAPXUL_OPERATIONS.organizationPayments.prepareExecution, () => callOperation(deps.convexCall, commands$1.prepareOrganization, {
+		...expected,
+		signerAddress
+	}).pipe(Effect.mapError((publicError) => ({ publicError }))), deps.runPromise);
+	if (!prepared.ok) return prepared;
+	const evidence = prepared.value;
+	if (!(await matchesIntent(expected)(evidence.request, evidence) && await verifiedPreparedCommand(evidence, session.email, signerAddress, deps.chainId))) return abandonPrepared(deps, evidence.executionId, "prepared_mismatch", {
+		ok: false,
+		error: Errors.invalidInput("execution", "prepared Organization Payment mismatch")
+	});
+	await emitPreparedInitiation(deps, evidence);
+	return {
+		ok: true,
+		value: evidence
+	};
+}
+/** One fresh Payment read: the caller's own, or one in the Organization's scope. */
+const readPayment = (deps, paymentId, organizationId, signal) => organizationId === void 0 ? runIfActive(signal, records.get.name, () => callOperation(deps.convexCall, records.get, { paymentId }, { fresh: true }).pipe(Effect.map((payment) => ({ payment })), Effect.mapError((publicError) => ({ publicError }))), deps.runPromise) : runIfActive(signal, records.getForOrganization.name, () => callOperation(deps.convexCall, records.getForOrganization, {
+	orgId: organizationId,
+	paymentId
+}, { fresh: true }).pipe(Effect.mapError((publicError) => ({ publicError }))), deps.runPromise);
+/**
+* The Payments an approval carries, as they stand. A personal read names only
+* the caller's own Account's Payments, so an Organization's is read with its
+* `organizationId`; one that cannot be read is refused, never taken as ended.
+*/
+async function readApprovalPayments(deps, paymentIds, organizationId, signal) {
+	const reads = await Promise.all(paymentIds.map((paymentId) => readPayment(deps, paymentId, organizationId, signal)));
+	const payments = [];
+	for (const [index, read] of reads.entries()) {
+		if (!read.ok) return read;
+		const { orgId, payment } = read.value;
+		if (payment === null && organizationId === void 0) return {
+			ok: false,
+			error: Errors.invalidInput("organizationId", "this approval pays from an Organization: wait with its organizationId")
+		};
+		if (payment === null || payment.id !== paymentIds[index] || orgId !== organizationId) return {
+			ok: false,
+			error: Errors.invalidInput("paymentId", "the approval's Payments are not this scope's")
+		};
+		payments.push(normalizePaymentTiming(payment));
+	}
+	return {
+		ok: true,
+		value: payments
+	};
+}
+//#endregion
+//#region ../../packages/sdk/src/accounts/bank-approvals.ts
+/** Read the immutable Payment behind a bank approval before handing it to the person. */
+async function checkedBankApproval(deps, input, opened) {
+	if (!opened.ok || input.to.kind !== "party_account") return opened;
+	const approval = opened.value;
+	const read = await readApprovalPayments(deps, approval.operation.paymentIds, "organizationId" in input ? input.organizationId : void 0, void 0);
+	if (!read.ok) return read;
+	const [payment] = read.value;
+	let amountMatches = false;
+	try {
+		const funding = toExactAssetAmount(input.amount, CONFIGURED_MONEY_ASSETS);
+		const described = approval.summary.amount === null ? null : toExactAssetAmount(approval.summary.amount, CONFIGURED_MONEY_ASSETS);
+		const stored = payment === void 0 ? null : toExactAssetAmount(payment.amount, CONFIGURED_MONEY_ASSETS);
+		amountMatches = described?.asset === funding.asset && described.minorUnits === funding.minorUnits && stored?.asset === funding.asset && stored.minorUnits === funding.minorUnits;
+	} catch {
+		amountMatches = false;
+	}
+	if (approval.kind === "bank_payout" && read.value.length === 1 && payment?.recipient.kind === "party_account" && payment.recipient.partyAccountId === input.to.partyAccountId && payment.links?.quoteId === input.quoteId && input.quoteId !== void 0 && amountMatches && (payment.recipientWarning !== true || approval.summary.warnings?.some(({ code }) => code === "RECIPIENT_ON_CAPXUL"))) return opened;
+	return abandonPrepared(deps, approval.operation.executionId, "prepared_mismatch", {
+		ok: false,
+		error: Errors.invalidInput("approval", "The bank approval does not match its quoted Payment.")
+	});
+}
+//#endregion
 //#region ../../packages/sdk/src/accounts/approval-rules.ts
-const IN_FLIGHT = /* @__PURE__ */ new Set(["pending", "settling"]);
+const IN_FLIGHT = /* @__PURE__ */ new Set([
+	"pending",
+	"settling",
+	"in_transit"
+]);
 /** A Payment the chain has not decided yet. */
 function inFlight(payment) {
 	return IN_FLIGHT.has(payment.status);
@@ -22615,9 +24009,10 @@ function toPayrollGroup(wire) {
 		}))
 	};
 }
+const PayrollWalletItemSchema = PayrollRunItemInputSchema.pipe(Schema.refine((item) => item.to.kind !== "party_account", { message: "Payroll cannot target saved bank accounts" }));
 function validateRunItems(input) {
 	for (const [index, item] of input.items.entries()) {
-		if (Schema.decodeResult(PayrollRunItemInputSchema, { onExcessProperty: "error" })(item)._tag === "Failure") return Errors.invalidInput(`items.${index}`, "invalid Payroll item");
+		if (Schema.decodeResult(PayrollWalletItemSchema, { onExcessProperty: "error" })(item)._tag === "Failure") return Errors.invalidInput(`items.${index}`, "invalid Payroll item");
 		try {
 			const exact = toExactAssetAmount(item.amount, CONFIGURED_MONEY_ASSETS);
 			const net = BigInt(item.net);
@@ -22634,7 +24029,7 @@ const RunInputSchema = Schema.Struct({
 	permissionId: AuthorizePayrollRunExecutionInputSchema.fields.permissionId,
 	asset: AuthorizePayrollRunExecutionInputSchema.fields.asset,
 	period: AuthorizePayrollRunExecutionInputSchema.fields.period,
-	items: AuthorizePayrollRunExecutionInputSchema.fields.items,
+	items: Schema.Array(PayrollWalletItemSchema),
 	requestKey: Schema.optional(AuthorizePayrollRunExecutionInputSchema.fields.requestKey)
 });
 /** Decode caller input before session or signer work. Keep routing outside the input. */
@@ -23038,72 +24433,6 @@ async function prepareVerifiedPayrollRun(deps, input, signerAddress, signal) {
 	}, authorized.value.run), authorized.value.replay.kind !== "accepted");
 }
 //#endregion
-//#region ../../packages/sdk/src/accounts/organization-approvals.ts
-/** The Organization Payment prepared for `signerAddress` and checked, before any approval. */
-async function prepareVerifiedOrganizationPayment(deps, input, signerAddress, signal) {
-	const { organizationId, permissionId, requestKey, lineage, ...item } = input;
-	const intent = organizationPaymentIntent(organizationId, {
-		permissionId,
-		items: [item],
-		...lineage === void 0 ? {} : { lineage },
-		...requestKey === void 0 ? {} : { requestKey }
-	}, true);
-	if (!intent.ok) return intent;
-	const session = deps.actor?.authSession() ?? null;
-	if (session === null || deps.chainId === void 0) return {
-		ok: false,
-		error: Errors.notAuthenticated()
-	};
-	const expected = {
-		...intent.value,
-		requestKey: requestKey ?? `pay_${crypto.randomUUID()}`
-	};
-	const prepared = await runIfActive(signal, CAPXUL_OPERATIONS.organizationPayments.prepareExecution, () => callOperation(deps.convexCall, commands$1.prepareOrganization, {
-		...expected,
-		signerAddress
-	}).pipe(Effect.mapError((publicError) => ({ publicError }))), deps.runPromise);
-	if (!prepared.ok) return prepared;
-	const evidence = prepared.value;
-	return await matchesIntent(expected)(evidence.request, evidence) && await verifiedPreparedCommand(evidence, session.email, signerAddress, deps.chainId) ? {
-		ok: true,
-		value: evidence
-	} : abandonPrepared(deps, evidence.executionId, "prepared_mismatch", {
-		ok: false,
-		error: Errors.invalidInput("execution", "prepared Organization Payment mismatch")
-	});
-}
-/** One fresh Payment read: the caller's own, or one in the Organization's scope. */
-const readPayment = (deps, paymentId, organizationId, signal) => organizationId === void 0 ? runIfActive(signal, records.get.name, () => callOperation(deps.convexCall, records.get, { paymentId }, { fresh: true }).pipe(Effect.map((payment) => ({ payment })), Effect.mapError((publicError) => ({ publicError }))), deps.runPromise) : runIfActive(signal, records.getForOrganization.name, () => callOperation(deps.convexCall, records.getForOrganization, {
-	orgId: organizationId,
-	paymentId
-}, { fresh: true }).pipe(Effect.mapError((publicError) => ({ publicError }))), deps.runPromise);
-/**
-* The Payments an approval carries, as they stand. A personal read names only
-* the caller's own Account's Payments, so an Organization's is read with its
-* `organizationId`; one that cannot be read is refused, never taken as ended.
-*/
-async function readApprovalPayments(deps, paymentIds, organizationId, signal) {
-	const reads = await Promise.all(paymentIds.map((paymentId) => readPayment(deps, paymentId, organizationId, signal)));
-	const payments = [];
-	for (const [index, read] of reads.entries()) {
-		if (!read.ok) return read;
-		const { orgId, payment } = read.value;
-		if (payment === null && organizationId === void 0) return {
-			ok: false,
-			error: Errors.invalidInput("organizationId", "this approval pays from an Organization: wait with its organizationId")
-		};
-		if (payment === null || payment.id !== paymentIds[index] || orgId !== organizationId) return {
-			ok: false,
-			error: Errors.invalidInput("paymentId", "the approval's Payments are not this scope's")
-		};
-		payments.push(normalizePaymentTiming(payment));
-	}
-	return {
-		ok: true,
-		value: payments
-	};
-}
-//#endregion
 //#region ../../packages/sdk/src/accounts/approvals.ts
 /** A Permission write or an invitation, rather than a Payment. */
 const isPermissionChange = (input) => "permission" in input || "invite" in input;
@@ -23150,20 +24479,24 @@ function makeApprovalsMethods(deps) {
 		if (!prepared.ok) return prepared;
 		const { executionId } = prepared.value;
 		const opened = await call(approvals.request.name, approvals.request, { executionId });
+		if (opened.ok && opened.value.operation.executionId !== executionId) return abandonPrepared(deps, executionId, "prepared_mismatch", {
+			ok: false,
+			error: Errors.invalidInput("approval", "The approval names another prepared execution.")
+		});
 		return opened.ok ? opened : abandonPrepared(deps, executionId, "cancelled", opened);
 	};
 	const prepare = async (input, options) => {
 		const signal = options?.signal;
 		if (isCommandApproval(input)) return openApproval(signal, (signerAddress) => prepareVerifiedCommand(deps, input, signerAddress, signal));
 		if (isPermissionChange(input)) return openApproval(signal, async (signerAddress) => {
-			const { prepareVerifiedPermissionChange } = await import("./permission-approvals-B2xmvEKE.mjs");
+			const { prepareVerifiedPermissionChange } = await import("./permission-approvals-DMdZgL2O.mjs");
 			return prepareVerifiedPermissionChange(deps, input, signerAddress, signal);
 		});
-		if ("organizationId" in input) return openApproval(signal, (signerAddress) => prepareVerifiedOrganizationPayment(deps, input, signerAddress, signal));
+		if ("organizationId" in input) return checkedBankApproval(deps, input, await openApproval(signal, (signerAddress) => prepareVerifiedOrganizationPayment(deps, input, signerAddress, signal)));
 		const intent = paymentExecutionIntent(input);
 		if (!intent.ok) return intent;
 		const { actor, chainId } = deps;
-		return openApproval(signal, async (signerAddress) => {
+		return checkedBankApproval(deps, input, await openApproval(signal, async (signerAddress) => {
 			if (actor === void 0 || chainId === void 0) return {
 				ok: false,
 				error: Errors.notImplemented("approvals", "prepareComposition")
@@ -23176,7 +24509,7 @@ function makeApprovalsMethods(deps) {
 			}, intent.value, signerAddress, input.requestKey ?? `pay_${crypto.randomUUID()}`, signal);
 			if (prepared.ok) await emitPreparedPaymentInitiated(deps, prepared.value);
 			return prepared;
-		});
+		}));
 	};
 	const approve = async (approvalId) => {
 		const { signer } = deps;
@@ -23589,7 +24922,7 @@ function headlineValuation(balances, displayCurrency, rates = MONEY_READ_RATES)
 		const valuation = valueIn(balances.map((position) => ({
 			asset: position.asset,
 			value: pick(position)
-		})), displayCurrency, rates);
+		})).filter((amount) => toRaw(amount, requireAsset(amount.asset)) !== 0n), displayCurrency, rates);
 		if (valuation.unrated.length > 0) return null;
 		return valuation.total ?? {
 			currency: displayCurrency,
@@ -25209,7 +26542,7 @@ function makeMeMethods(deps) {
 		})), Effect.mapError((publicError) => ({ publicError }))), deps.runPromise),
 		depositInstructions: (options) => {
 			const controls = deps.invocationControls?.(options) ?? options;
-			return runPortEffect(callOperation(deps.convexCall, summaries.depositInstructions, copyInvocationObservation(controls, {})).pipe(Effect.mapError((publicError) => ({ publicError })), Effect.tap((instructions) => emitDepositInitiated(deps.telemetry, instructions, controls))), controls, summaries.depositInstructions.name, deps.runPromise);
+			return runPortEffect(callOperation(deps.convexCall, summaries.depositInstructions, copyInvocationObservation(controls, {})).pipe(Effect.mapError((publicError) => ({ publicError })), Effect.tap(annotateDepositInstructions)), controls, summaries.depositInstructions.name, deps.runPromise);
 		}
 	};
 }
@@ -38077,7 +39410,7 @@ function readOrgDepositInstructionsProgram(orgId) {
 			address: String(org.account.address).toLowerCase(),
 			label: "Capxul org treasury"
 		};
-		yield* emitDepositInitiated(deps.telemetry, instructions, deps.invocationSource, String(org.id));
+		yield* annotateDepositInstructions(instructions, String(org.id));
 		return instructions;
 	});
 }
@@ -38186,6 +39519,141 @@ function makeOrgReadMethods(deps, orgId, shared) {
 	};
 }
 //#endregion
+//#region ../../packages/sdk/src/banking/deposits.ts
+function makeBankDepositMethods(deps, actor) {
+	const controls = (options) => deps.invocationControls?.(options) ?? options;
+	const call = (program, invocation, operation) => runCapxulEffect(program, invocation, operation, deps.runPromise);
+	return {
+		list: (options) => {
+			const invocation = controls(options);
+			return call(callOperation(deps.convexCall, deposits.list, copyInvocationObservation(invocation, {
+				...actor === void 0 ? {} : { actor },
+				...options?.cursor === void 0 ? {} : { cursor: options.cursor },
+				...options?.unmatched === void 0 ? {} : { unmatched: options.unmatched }
+			})), invocation, deposits.list.name);
+		},
+		get: (bankDepositId, options) => {
+			const invocation = controls(options);
+			return call(callOperation(deps.convexCall, deposits.get, copyInvocationObservation(invocation, {
+				...actor === void 0 ? {} : { actor },
+				bankDepositId
+			})), invocation, deposits.get.name);
+		},
+		candidates: (bankDepositId, options) => {
+			const invocation = controls(options);
+			return call(callOperation(deps.convexCall, deposits.candidates, copyInvocationObservation(invocation, {
+				...actor === void 0 ? {} : { actor },
+				bankDepositId,
+				...options?.cursor === void 0 ? {} : { cursor: options.cursor }
+			})), invocation, deposits.candidates.name);
+		},
+		match: (bankDepositId, requestId, options) => {
+			const invocation = controls(options);
+			return call(callOperation(deps.convexCall, deposits.match, copyInvocationObservation(invocation, {
+				...actor === void 0 ? {} : { actor },
+				bankDepositId,
+				requestId
+			})), invocation, deposits.match.name);
+		}
+	};
+}
+const unavailable$1 = () => Promise.resolve({
+	ok: false,
+	error: Errors.notImplemented("banking", "executionComposition")
+});
+const makeUnavailableBankDepositMethods = () => ({
+	list: unavailable$1,
+	get: unavailable$1,
+	candidates: unavailable$1,
+	match: unavailable$1
+});
+//#endregion
+//#region ../../packages/sdk/src/banking/bank-details.ts
+const unavailable = () => Promise.resolve({
+	ok: false,
+	error: Errors.notImplemented("banking", "executionComposition")
+});
+function makeBankingMethods(deps, actor) {
+	let journeyId;
+	let actorId;
+	const controls = (options, journey) => {
+		const resolved = deps.invocationControls?.(options) ?? options;
+		if (!journey) return resolved;
+		const snapshot = readInvocationObservation(resolved) ?? { active: true };
+		if (actorId !== snapshot.actorId) journeyId = void 0;
+		actorId = snapshot.actorId;
+		journeyId = options?.journey_id ?? journeyId ?? snapshot.context?.journeyId ?? `bank_details_${crypto.randomUUID()}`;
+		const next = {
+			...resolved,
+			journey_id: journeyId
+		};
+		const captured = snapshot.active ? withCapturedAttemptContext(snapshot.context, next) : void 0;
+		return attachInvocationObservation(next, {
+			...snapshot,
+			...captured === void 0 ? {} : { context: captured }
+		});
+	};
+	const call = (program, options, operation) => runCapxulEffect(program, options, operation, deps.runPromise);
+	return {
+		deposits: makeBankDepositMethods(deps, actor),
+		details: {
+			list: (options) => {
+				const invocation = controls(options, false);
+				return call(callOperation(deps.convexCall, bankDetails.list, copyInvocationObservation(invocation, actor === void 0 ? {} : { actor })), invocation, bankDetails.list.name);
+			},
+			get: (currency, options) => {
+				const invocation = controls(options, false);
+				return call(callOperation(deps.convexCall, bankDetails.get, copyInvocationObservation(invocation, {
+					...actor === void 0 ? {} : { actor },
+					currency
+				})), invocation, bankDetails.get.name);
+			},
+			open: (currency, options) => {
+				const invocation = controls(options, true);
+				return call(callOperation(deps.convexCall, bankDetails.open, copyInvocationObservation(invocation, {
+					...actor === void 0 ? {} : { actor },
+					currency
+				})), invocation, bankDetails.open.name);
+			},
+			settle: (currency, token, options) => {
+				const invocation = controls(options, false);
+				return call(callOperation(deps.convexCall, bankDetails.settle, copyInvocationObservation(invocation, {
+					...actor === void 0 ? {} : { actor },
+					currency,
+					token
+				})), invocation, bankDetails.settle.name);
+			},
+			deactivate: (currency, options) => {
+				const invocation = controls(options, false);
+				return call(callOperation(deps.convexCall, bankDetails.deactivate, copyInvocationObservation(invocation, {
+					...actor === void 0 ? {} : { actor },
+					currency
+				})), invocation, bankDetails.deactivate.name);
+			},
+			reactivate: (currency, options) => {
+				const invocation = controls(options, false);
+				return call(callOperation(deps.convexCall, bankDetails.reactivate, copyInvocationObservation(invocation, {
+					...actor === void 0 ? {} : { actor },
+					currency
+				})), invocation, bankDetails.reactivate.name);
+			}
+		}
+	};
+}
+function makeUnavailableBankingMethods() {
+	return {
+		deposits: makeUnavailableBankDepositMethods(),
+		details: {
+			list: unavailable,
+			get: unavailable,
+			open: unavailable,
+			settle: unavailable,
+			deactivate: unavailable,
+			reactivate: unavailable
+		}
+	};
+}
+//#endregion
 //#region ../../packages/sdk/src/organizations/unavailable-methods.ts
 function makeNotImplementedPermissionMethods() {
 	return {
@@ -38204,6 +39672,7 @@ function makeNotImplementedPermissionMethods() {
 }
 function makeNotImplementedOrganizationPaymentsMethods() {
 	return {
+		quote: organizationPaymentExecutionUnavailable,
 		previewRetry: organizationPaymentExecutionUnavailable,
 		list: organizationPaymentExecutionUnavailable,
 		get: organizationPaymentExecutionUnavailable,
@@ -38219,6 +39688,12 @@ const orgMeUnavailable = () => Promise.resolve({
 	ok: false,
 	error: Errors.notImplemented("org", "me")
 });
+function makeUnavailableVerificationMethods() {
+	return {
+		start: verificationExecutionUnavailable,
+		status: verificationExecutionUnavailable
+	};
+}
 /**
 * The closed invitation surface for a client with no backend seam. It reports
 * `NOT_IMPLEMENTED` for every method rather than an empty list or a fabricated
@@ -38242,6 +39717,10 @@ const invitationExecutionUnavailable = () => Promise.resolve({
 	ok: false,
 	error: Errors.notImplemented("invitations", "executionComposition")
 });
+const verificationExecutionUnavailable = () => Promise.resolve({
+	ok: false,
+	error: Errors.notImplemented("verification", "executionComposition")
+});
 const permissionExecutionUnavailable = () => Promise.resolve({
 	ok: false,
 	error: Errors.notImplemented("permissions", "executionComposition")
@@ -38342,6 +39821,7 @@ function makeOrgMethods(deps) {
 		error: Errors.notImplemented("invitations", "listOwn")
 	}) : makeOwnInvitationsMethod(invitationMethodsDeps(deps, deps.convexCall)) });
 	const paymentMethods = /* @__PURE__ */ new Map();
+	const scopedMethods = /* @__PURE__ */ new Map();
 	return {
 		orgs,
 		org(orgId) {
@@ -38351,6 +39831,14 @@ function makeOrgMethods(deps) {
 				payments = convexCall === void 0 ? makeNotImplementedOrganizationPaymentsMethods() : makeOrganizationPaymentsMethods(orgMoneyDeps(deps, convexCall), String(orgId));
 				paymentMethods.set(orgId, payments);
 			}
+			let scoped = scopedMethods.get(orgId);
+			if (scoped === void 0) {
+				scoped = {
+					banking: deps.banking === void 0 ? makeUnavailableBankingMethods() : deps.banking(String(orgId)),
+					verification: deps.verification === void 0 ? makeUnavailableVerificationMethods() : deps.verification(String(orgId))
+				};
+				scopedMethods.set(orgId, scoped);
+			}
 			return {
 				...makeActorRelationshipMethods({
 					runPromise: deps.runPromise,
@@ -38366,6 +39854,7 @@ function makeOrgMethods(deps) {
 					convexCall,
 					...observedRunnerDeps(deps)
 				}, String(orgId)),
+				...scoped,
 				setup: {
 					get: (options) => invokeSetup(deps.organizationSetup, "get", () => deps.organizationSetup.get(orgId, options)),
 					subscribe: (listener, options) => invokeSetup(deps.organizationSetup, "subscribe", () => deps.organizationSetup.subscribe(orgId, listener, options)),
@@ -38625,4 +40114,4 @@ var ConvexOrganizationSetupAdapter = class {
 	}
 };
 //#endregion
-export { isSignerNotReadySignal as $, ChainIdSchema$1 as $t, makeApprovalsMethods as A, detectAuthCacheAdapter as An, publicKeyToAddress as At, BASE_SEPOLIA_CHAIN_ID as B, redactUrlSecrets as Bn, toBytes$1 as Bt, makeAccountsMethods as C, copyInvocationObservation as Cn, toOrgId as Ct, ConvexCallPortTag as D, toPublishableKey as Dn, isBytes32 as Dt, TelemetryPortTag as E, toAllowedOrigin as En, images as Et, makeDestinationsMethods as F, AuthCachePortTag as Fn, concatHex as Ft, failureEvidenceProps as G, CapxulError as Gn, hexToBigInt as Gt, asCapxulError as H, isRecord as Hn, numberToHex as Ht, makeCheckoutMethods as I, deserializeCapxulError as In, isAddress$1 as It, withCapturedAttemptContext as J, isFailureMode as Jn, BaseError as Jt, observeFailedResult as K, isCapxulError as Kn, hexToNumber as Kt, makeTargetsMethods as L, serializeCapxulError as Ln, InvalidAddressError as Lt, logDroppedEvent as M, toEpochMs as Mn, createCursor as Mt, makeOfframpMethods as N, toAuthUserId as Nn, slice as Nt, convexCallErrorFromCapxul as O, AuthClientError as On, hashTypedData as Ot, makePaymentsMethods as P, toEmail as Pn, concat$1 as Pt, isEcdsaSignatureHex as Q, EpochMsSchema$1 as Qt, abandonPrepared as R, decodeChainCause as Rn, keccak256$1 as Rt, PonderIndexerAdapter as S, attachInvocationObservation as Sn, ORGANIZATION_SETUP_STATUSES as St, AccountReadPortTag as T, sanitizeObservationContext as Tn, AppIdSchema$1 as Tt, toPublicError$1 as U, readField as Un, stringToHex as Ut, callOperation as V, isCredentialField as Vn, bytesToHex as Vt, failureDetail as W, Errors as Wn, toHex as Wt, UNOBSERVABLE_SIGNER_STATUS as X, isHex$1 as Xt, version$1 as Y, size as Yt, causeChain as Z, DurationMsSchema$1 as Zt, makePaymentDocumentsMethods as _, SystemClockLayer as _n, OPERATIONS as _t, verifiedConfiguration as a, askIdentity as an, toCountryCode as at, SmartAccountPortTag as b, BetterAuthBrowserLayer as bn, setups as bt, preparePermission as c, runPortEffect as cn, toHandle as ct, buildCommand as d, toCapxulResult as dn, CLI_CAPABILITIES as dt, isEvmAddress as en, openfortSignerNotReadyCode as et, validateReplacementInput as f, formatTraceparent as fn, CLI_COMMAND_NAMES as ft, makeActivityMethods as g, oauthBearerAuthClient as gn, normalizeCapxulOperation as gt, makeMeMethods as h, carryInvocationParentSpan as hn, isCapxulOperation as ht, prepareConfiguration as i, makeAuthMethods as in, makeClientRequestMethods as it, makeAccountMethods as j, globalLocalStorage as jn, formatGwei as jt, bindProductTelemetryInvocation as k, AuthClientPortTag as kn, toRlp as kt, preparedIdentity as l, sessionFromActor as ln, validateHandle as lt, bootIdentityFlow as m, ActorFailure as mn, CAPXUL_OPERATIONS as mt, makeOrgMethods as n, absurd as nn, signerFailure as nt, ConvexOrganizationAdapter as o, publicIdentityFailure as on, toKycTier as ot, executeIdentityProductObservation as p, CAPXUL_ERROR_CODES as pn, CLI_INVOCATION_KINDS as pt, observeSdkClient as q, FAILURE_MODES$1 as qn, trim as qt, authorInvitation as r, getFunctionName as rn, makeCurrentUserMethods as rt, OrgPortTag as s, runIdentityFacade as sn, toTesterKind as st, ConvexOrganizationSetupAdapter as t, toAddress as tn, recoverRawDigestSigner as tt, verifiedPreparation as u, runCapxulEffect as un, redactTelemetryProps as ut, makeSmartAccountMethods as v, ClockPortTag as vn, details as vt, ConvexAccountLayer as w, readInvocationObservation as wn, diagnostics as wt, makeHoldingsMethods as x, observationRequestHeaders as xn, ORGANIZATION_SETUP_REASONS as xt, ConvexSmartAccountLayer as y, BetterAuthNodeLayer as yn, onboardings as yt, normalizeSafeSaltEmail as z, redactSecrets as zn, hexToBytes as zt };
+export { isSignerNotReadySignal as $, ChainIdSchema$1 as $t, bindProductTelemetryInvocation as A, detectAuthCacheAdapter as An, publicKeyToAddress as At, BASE_SEPOLIA_CHAIN_ID as B, redactUrlSecrets as Bn, toBytes$1 as Bt, PonderIndexerAdapter as C, copyInvocationObservation as Cn, toOrgId as Ct, TelemetryPortTag as D, toPublishableKey as Dn, isBytes32 as Dt, AccountReadPortTag as E, toAllowedOrigin as En, images as Et, makeCheckoutMethods as F, AuthCachePortTag as Fn, concatHex as Ft, failureEvidenceProps as G, CapxulError as Gn, hexToBigInt as Gt, asCapxulError as H, isRecord as Hn, numberToHex as Ht, makeTargetsMethods as I, deserializeCapxulError as In, isAddress$1 as It, withCapturedAttemptContext as J, isFailureMode as Jn, BaseError as Jt, observeFailedResult as K, isCapxulError as Kn, hexToNumber as Kt, makeVerificationMethods as L, serializeCapxulError as Ln, InvalidAddressError as Lt, makeAccountMethods as M, toEpochMs as Mn, createCursor as Mt, makePaymentsMethods as N, toAuthUserId as Nn, slice as Nt, ConvexCallPortTag as O, AuthClientError as On, hashTypedData as Ot, makeDestinationsMethods as P, toEmail as Pn, concat$1 as Pt, isEcdsaSignatureHex as Q, EpochMsSchema$1 as Qt, abandonPrepared as R, decodeChainCause as Rn, keccak256$1 as Rt, makeHoldingsMethods as S, attachInvocationObservation as Sn, ORGANIZATION_SETUP_STATUSES as St, ConvexAccountLayer as T, sanitizeObservationContext as Tn, AppIdSchema$1 as Tt, toPublicError$1 as U, readField as Un, stringToHex as Ut, callOperation as V, isCredentialField as Vn, bytesToHex as Vt, failureDetail as W, Errors as Wn, toHex as Wt, UNOBSERVABLE_SIGNER_STATUS as X, isHex$1 as Xt, version$1 as Y, size as Yt, causeChain as Z, DurationMsSchema$1 as Zt, makeActivityMethods as _, SystemClockLayer as _n, OPERATIONS as _t, prepareConfiguration as a, askIdentity as an, toCountryCode as at, ConvexSmartAccountLayer as b, BetterAuthBrowserLayer as bn, setups as bt, OrgPortTag as c, runPortEffect as cn, toHandle as ct, verifiedPreparation as d, toCapxulResult as dn, CLI_CAPABILITIES as dt, isEvmAddress as en, openfortSignerNotReadyCode as et, buildCommand as f, formatTraceparent as fn, CLI_COMMAND_NAMES as ft, makeMeMethods as g, oauthBearerAuthClient as gn, normalizeCapxulOperation as gt, bootIdentityFlow as h, carryInvocationParentSpan as hn, isCapxulOperation as ht, authorInvitation as i, makeAuthMethods as in, makeClientRequestMethods as it, makeApprovalsMethods as j, globalLocalStorage as jn, formatGwei as jt, convexCallErrorFromCapxul as k, AuthClientPortTag as kn, toRlp as kt, preparePermission as l, sessionFromActor as ln, validateHandle as lt, executeIdentityProductObservation as m, ActorFailure as mn, CAPXUL_OPERATIONS as mt, makeOrgMethods as n, absurd as nn, signerFailure as nt, verifiedConfiguration as o, publicIdentityFailure as on, toKycTier as ot, validateReplacementInput as p, CAPXUL_ERROR_CODES as pn, CLI_INVOCATION_KINDS as pt, observeSdkClient as q, FAILURE_MODES$1 as qn, trim as qt, makeBankingMethods as r, getFunctionName as rn, makeCurrentUserMethods as rt, ConvexOrganizationAdapter as s, runIdentityFacade as sn, toTesterKind as st, ConvexOrganizationSetupAdapter as t, toAddress as tn, recoverRawDigestSigner as tt, preparedIdentity as u, runCapxulEffect as un, redactTelemetryProps as ut, makePaymentDocumentsMethods as v, ClockPortTag as vn, details as vt, makeAccountsMethods as w, readInvocationObservation as wn, diagnostics as wt, SmartAccountPortTag as x, observationRequestHeaders as xn, ORGANIZATION_SETUP_REASONS as xt, makeSmartAccountMethods as y, BetterAuthNodeLayer as yn, onboardings as yt, normalizeSafeSaltEmail as z, redactSecrets as zn, hexToBytes as zt };