@kasufinance/kasu-sdk 2.6.0 → 2.7.0

package/src/flows/deposit-flow.ts

@@ -0,0 +1,775 @@
+import { BigNumber } from 'ethers';
+
+import {
+    asContractType,
+    buildLegacyContractRequestMessage,
+    buildLoanAgreementSignMessage,
+    encodeDepositData,
+    GenerateContractResponse,
+} from '../domain/loan-contract';
+import {
+    classifyWalletFailure,
+    isUnpredictableGas,
+} from '../domain/wallet-errors';
+import { DepositParams, KycParams } from '../facade/types';
+
+import { Flow } from './flow';
+import { WaitableTransaction } from './observable';
+
+/**
+ * The KYC-gated deposit pipeline, headless.
+ *
+ * This is the state machine kasu-ui and kasu-mobile each hand-wrote and then
+ * had to keep in step by hand: sign an auth message, generate the loan
+ * agreement, park while the lender reads it, sign it, approve the EXACT amount,
+ * fetch the KYC signature, submit, wait. Two implementations of one money path
+ * is one too many, so it lives here once and each application drives it from
+ * its own UI.
+ *
+ * **No React, no copy, no I/O of its own.** Every side effect is an injected
+ * port and every observable state is a code — `{ step: 'approve', reason:
+ * 'cancelled' }`, never "USDC approval was cancelled in your wallet". The
+ * applications keep their own `DEPOSIT_STEP_ERRORS` tables and map the codes to
+ * their words, in their design system and their language. Nothing in this file
+ * may be shown to a lender.
+ *
+ * ## Order, and why each step is where it is
+ *
+ * 1. **Allowance pre-check** — before anything is signed, because it decides
+ *    `approvalRequired`, which decides `stepTotal`. A badge that said "3 of 4"
+ *    and then silently became "3 of 3" would be describing a pipeline the
+ *    lender is not in. A failed read assumes an approve IS needed: the safe
+ *    default is a redundant approval, never a reverted deposit.
+ * 2. **`generating-sign`** — the lender signs the auth message
+ *    (`buildLoanAgreementSignMessage`, or the legacy builder). kasu-backend
+ *    reconstructs that string byte-for-byte to verify the signature.
+ * 3. **`generating-fetch`** — the agreements service returns the contract.
+ * 4. **`awaiting-accept`** — the run PARKS on a promise the consumer settles
+ *    with `acceptContract()` or `declineContract()`. This is the only point at
+ *    which a lender is committing to anything.
+ * 5. **`accepting-sign`** — the acceptance signature, which becomes the
+ *    on-chain `depositData` via `encodeDepositData`.
+ * 6. **The 5-minute TTL guard** — checked AFTER the accept, because that is
+ *    where the idling happens. An expired agreement is refused here rather than
+ *    broadcast as a transaction that cannot succeed.
+ * 7. **`approve`** — the EXACT amount, never `MaxUint256`. House rule, and it
+ *    is why the allowance drops to zero after every deposit and why step 1
+ *    reads it fresh rather than trusting a cache.
+ * 8. **`request-sign` / `request-confirm`** — KYC signature, then the deposit,
+ *    then the receipt.
+ *
+ * ## Failure codes
+ *
+ * A wallet rejection (`isUserRejected`) is `'cancelled'` — the lender changed
+ * their mind, and telling them something broke would be a lie. Only a WALLET
+ * call is ever classified that way: the HTTP ports are always `'failed'`,
+ * because a backend that words a refusal "declined" did not involve the
+ * lender's wallet. A reverted gas estimate on the request step
+ * (`isUnpredictableGas`) is `'insufficient-balance'` — nothing was refused, the
+ * transaction simply cannot succeed as composed. Everything else is `'failed'`
+ * and carries the original error for the consumer's crash reporter.
+ *
+ * ```ts
+ * const flow = new DepositFlow(ports);
+ * const stop = flow.subscribe((s) => render(s));
+ * await flow.start({ poolId, trancheId, amount, userAddress, ... });
+ * // …the consumer shows `flow.state.contract` and calls:
+ * await flow.acceptContract();
+ * ```
+ */
+
+// ---------------------------------------------------------------------------
+// Codes
+// ---------------------------------------------------------------------------
+
+/**
+ * Where the run is. `success`, `declined` and `error` are terminal; everything
+ * else is in flight.
+ */
+export type DepositPhase =
+    | 'idle'
+    | 'generating-sign'
+    | 'generating-fetch'
+    | 'awaiting-accept'
+    | 'accepting-sign'
+    | 'approve'
+    | 'request-sign'
+    | 'request-confirm'
+    | 'success'
+    | 'declined'
+    | 'error';
+
+/**
+ * The four steps a lender sees as a badge. `approve` drops out of the sequence
+ * when the allowance already covers the deposit, which is why `stepIndex` and
+ * `stepTotal` are published rather than derived by each consumer.
+ */
+export type DepositStep = 'generate' | 'confirm' | 'approve' | 'request';
+
+/**
+ * Why a run did not reach `success`, as a code plus the step it happened on.
+ *
+ * The consumer maps this to its own words. `error` carries the underlying
+ * throw for a crash reporter — a `cancelled` and a `contract-expired` do not,
+ * because neither is a fault worth reporting.
+ */
+export type DepositFailure =
+    | { step: DepositStep; reason: 'cancelled' }
+    | { step: DepositStep; reason: 'failed'; error: unknown }
+    | { step: 'request'; reason: 'insufficient-balance'; error: unknown }
+    | { step: 'request'; reason: 'contract-expired' };
+
+// ---------------------------------------------------------------------------
+// Ports
+// ---------------------------------------------------------------------------
+
+export type { WaitableTransaction };
+
+/** What the KYC signing service hands back. */
+export interface KycSignature {
+    signature: string;
+    blockExpiration: number | string;
+}
+
+/**
+ * The `/contract/generate` body, assembled by the flow and posted by the
+ * consumer's own port — through its server-side proxy (kasu-ui) or straight to
+ * the agreements service (kasu-mobile). The SDK never makes the call itself and
+ * never learns the URL or the key.
+ */
+export interface GenerateContractRequest {
+    /**
+     * The lender's address, LOWERCASED. The legacy message embeds this casing
+     * and kasu-backend rebuilds the string from the body, so the two must
+     * agree.
+     */
+    address: string;
+    /** Signature over `signedMessage`. */
+    signature: string;
+    /** ms-epoch. The same value `signedMessage` states — do not re-clock it. */
+    timestamp: number;
+    /**
+     * The exact text that was signed. Sent so a consumer can log or assert on
+     * it; the backend rebuilds it from the other fields rather than trusting
+     * this one.
+     */
+    signedMessage: string;
+    poolId: string;
+    trancheId: string;
+    /** `'0'` for a variable-rate deposit. */
+    fixedTermConfigId: string;
+    /**
+     * The deposit in DISPLAY units, forwarded verbatim from
+     * `DepositFlowInput.depositAmount`. kasu-backend cross-checks it against
+     * the leading number of `amountLabel`.
+     */
+    depositAmount?: number;
+    /** The four human-readable fields, present only on the new format. */
+    strategyName?: string;
+    region?: string;
+    optionName?: string;
+    amountLabel?: string;
+}
+
+/**
+ * The human-readable `/contract/generate` format (BD deck slide 19): the lender
+ * signs a statement naming the strategy, region, option and amount.
+ *
+ * `amountLabel` must be derived from the same value as `depositAmount` — the
+ * backend refuses a message that states an amount other than the one being
+ * executed. The SDK does not format it, because formatting is the
+ * application's (and its locale's) business.
+ */
+export interface LoanAgreementRequest {
+    format: 'loan-agreement';
+    strategyName: string;
+    region: string;
+    optionName: string;
+    amountLabel: string;
+}
+
+/**
+ * The legacy `I request contract content for {address} at {timestamp}.`
+ * format, which kasu-backend still accepts and `/contract/resolve` has no
+ * alternative to.
+ */
+export interface LegacyContractRequest {
+    format: 'legacy';
+}
+
+export type ContractMessageRequest =
+    | LoanAgreementRequest
+    | LegacyContractRequest;
+
+/**
+ * Every side effect the pipeline needs, injected.
+ *
+ * `kasu.flows.deposit()` fills `readAllowance`, `approve`, `deposit` and
+ * `buildKycParams` from the SDK's own signer-bound implementations; the three
+ * that reach the consumer's own backend or wallet have no sensible default and
+ * are always supplied by the application.
+ */
+export interface DepositPorts {
+    /** EIP-191 personal sign. Rejects when the lender refuses. */
+    signMessage(message: string): Promise<string>;
+    /** POST the generate request; resolve with the agreements service's reply. */
+    generateContract(
+        req: GenerateContractRequest,
+    ): Promise<GenerateContractResponse>;
+    /** Build the Nexera KYC params. Defaults to `kasu.deposits.buildKycParams`. */
+    buildKycParams(
+        userAddress: `0x${string}`,
+    ): KycParams | Promise<KycParams>;
+    /** Exchange those params for a signature at the consumer's own backend. */
+    getKycSignature(params: KycParams): Promise<KycSignature>;
+    /** ERC-20 `allowance(owner, spender)`, in base units. */
+    readAllowance(owner: string, spender: string): Promise<BigNumber>;
+    /** ERC-20 `approve(spender, amount)`. The flow only ever passes the EXACT amount. */
+    approve(spender: string, amount: BigNumber): Promise<WaitableTransaction>;
+    /** `requestDepositWithKyc`. Defaults to `kasu.deposits.deposit`. */
+    deposit(params: DepositParams): Promise<WaitableTransaction>;
+    /** ms-epoch clock. Defaults to `Date.now`; injected so the TTL is testable. */
+    now?(): number;
+}
+
+/** Construction options. `kasu.flows.deposit()` fills `spender` in. */
+export interface DepositFlowOptions {
+    /** Agreement validity window; defaults to `CONTRACT_TTL_MS`. */
+    contractTtlMs?: number;
+    /**
+     * The ERC-20 spender every run approves and deposits through, when the
+     * input does not name one. `kasu.flows.deposit()` passes this chain's
+     * `contracts.LendingPoolManager`, which is the only contract the default
+     * deposit port calls.
+     */
+    spender?: string;
+}
+
+// ---------------------------------------------------------------------------
+// Input and state
+// ---------------------------------------------------------------------------
+
+export interface DepositFlowInput {
+    poolId: string;
+    trancheId: string;
+    /** The deposit in BASE units (6dp for USDC and AUDD). */
+    amount: BigNumber;
+    /** `'0'` for a variable-rate deposit. */
+    fixedTermConfigId: string;
+    userAddress: `0x${string}`;
+    /**
+     * The ERC-20 spender, when it is NOT this chain's `LendingPoolManager`.
+     *
+     * Leave it out: `kasu.flows.deposit()` defaults it from the chain config,
+     * and the default deposit port calls no other contract. It exists for a
+     * consumer that replaced the `deposit` port with one that spends
+     * somewhere else — a wrong spender is an approval granted to the wrong
+     * contract and then a revert diagnosed as `insufficient-balance`.
+     */
+    spender?: string;
+    /** Which signed-message format to use, and its fields. */
+    contractMessage: ContractMessageRequest;
+    /**
+     * The deposit in DISPLAY units, for the generate request only.
+     *
+     * NOT derived from `amount`: turning base units back into a display number
+     * is formatting, and formatting is the application's job — it is also the
+     * application that produced `amountLabel`, and kasu-backend refuses the two
+     * if they disagree. Pass the same value both were built from.
+     */
+    depositAmount?: number;
+}
+
+export interface DepositState {
+    phase: DepositPhase;
+    /** The step `phase` belongs to; `null` only while idle. */
+    step: DepositStep | null;
+    /** 1-based badge position of `step`; `0` while idle. */
+    stepIndex: number;
+    /** `4`, or `3` when the allowance already covers the deposit. */
+    stepTotal: number;
+    /** Whether the approve step is in scope for this run. */
+    approvalRequired: boolean;
+    /** The generated agreement, from `generating-fetch` onwards. */
+    contract: GenerateContractResponse | null;
+    /** Set with `phase: 'error'`, cleared by `reset()`. */
+    failure: DepositFailure | null;
+}
+
+/** Generated agreements are valid for five minutes upstream. */
+export const CONTRACT_TTL_MS = 5 * 60 * 1000;
+
+/** What a run without a spender, from either source, fails with. */
+export const NO_SPENDER_MESSAGE =
+    'DepositFlow: no ERC-20 spender; build the flow with kasu.flows.deposit() or pass `spender` on the input';
+
+const INITIAL: DepositState = {
+    phase: 'idle',
+    step: null,
+    stepIndex: 0,
+    stepTotal: 4,
+    approvalRequired: true,
+    contract: null,
+    failure: null,
+};
+
+// ---------------------------------------------------------------------------
+// Internals
+// ---------------------------------------------------------------------------
+
+/**
+ * How the park ends, as data.
+ *
+ * It used to be signalled by throwing tagged `Error`s and sniffing them again
+ * on the way out, which meant a port error whose message happened to read
+ * `contract-declined` ENDED THE RUN AS A DECLINE — a lender's deposit
+ * abandoned on a string coincidence. A discriminated result cannot be
+ * counterfeited by an error message: `failed` carries the throw, and only
+ * `declineContract()` can produce `declined`.
+ */
+type AcceptOutcome =
+    | { kind: 'accepted'; signature: string }
+    | { kind: 'declined' }
+    | { kind: 'failed'; error: unknown }
+    /** `reset()` unparked it. The run's token check drops everything after. */
+    | { kind: 'abandoned' };
+
+/** 1-based badge position, with `approve` dropped when it is out of scope. */
+function stepIndexOf(step: DepositStep, approvalRequired: boolean): number {
+    const order: DepositStep[] = approvalRequired
+        ? ['generate', 'confirm', 'approve', 'request']
+        : ['generate', 'confirm', 'request'];
+    return order.indexOf(step) + 1;
+}
+
+function badgeFor(
+    step: DepositStep,
+    approvalRequired: boolean,
+): Pick<DepositState, 'step' | 'stepIndex' | 'stepTotal'> {
+    return {
+        step,
+        stepIndex: stepIndexOf(step, approvalRequired),
+        stepTotal: approvalRequired ? 4 : 3,
+    };
+}
+
+/**
+ * The request step has a third outcome. `UNPREDICTABLE_GAS_LIMIT` here is
+ * almost always `transferFrom` reverting on a balance that cannot cover the
+ * deposit, and it takes precedence: nothing was refused by the lender, so
+ * inviting a retry would just reproduce it.
+ */
+function classifyRequest(err: unknown): DepositFailure {
+    if (isUnpredictableGas(err)) {
+        return { step: 'request', reason: 'insufficient-balance', error: err };
+    }
+    return classifyWalletFailure('request', err);
+}
+
+// ---------------------------------------------------------------------------
+// The flow
+// ---------------------------------------------------------------------------
+
+export class DepositFlow extends Flow<DepositState, DepositFlowInput> {
+    private readonly _ttlMs: number;
+    private readonly _defaultSpender: string | undefined;
+    private readonly _now: () => number;
+
+    /**
+     * The accept handshake. The run parks on this promise; `acceptContract`,
+     * `declineContract` and `reset` each settle it with an `AcceptOutcome`.
+     * Cleared the moment it settles so a stale resolver from an abandoned run
+     * can never leak into the next one.
+     */
+    private _accept: { settle: (outcome: AcceptOutcome) => void } | null = null;
+
+    /**
+     * The run token that is between `acceptContract()` and the wallet
+     * settling, or `null`.
+     *
+     * A token rather than a boolean, because the flag has to belong to the RUN
+     * that set it: after `reset()` out of a wallet prompt that never answers,
+     * the abandoned run's `finally` may not arrive for minutes, and a boolean
+     * left standing refuses both Accept and Decline on every run after it.
+     * A stale token simply is not the current generation.
+     */
+    private _acceptingFor: number | null = null;
+
+    constructor(
+        private readonly _ports: DepositPorts,
+        opts?: DepositFlowOptions,
+    ) {
+        super(INITIAL);
+        this._ttlMs = opts?.contractTtlMs ?? CONTRACT_TTL_MS;
+        this._defaultSpender = opts?.spender;
+        // Called through the ports object, never captured off it: a consumer
+        // whose clock is a method on its own object keeps its `this`.
+        this._now = (): number => _ports.now?.() ?? Date.now();
+    }
+
+    /**
+     * Sign the agreement and resume the parked run. A no-op when nothing is
+     * parked, so a double tap cannot sign twice.
+     */
+    async acceptContract(): Promise<void> {
+        const bridge = this._accept;
+        const contract = this._store.state.contract;
+        if (!bridge || !contract || this._isAccepting()) return;
+        const token = this._store.generation;
+        this._acceptingFor = token;
+        this._store.patch(
+            {
+                phase: 'accepting-sign',
+                ...badgeFor('confirm', this._store.state.approvalRequired),
+            },
+            token,
+        );
+        try {
+            const signature = await this._ports.signMessage(
+                contract.contractMessage,
+            );
+            bridge.settle({ kind: 'accepted', signature });
+        } catch (err) {
+            // A WALLET error, and the only one this flow classifies as a
+            // possible cancellation on the confirm step.
+            bridge.settle({ kind: 'failed', error: err });
+        } finally {
+            // Only if this run still holds it: a `reset()` during the prompt
+            // may have started another one, and that one's flag is its own.
+            if (this._acceptingFor === token) this._acceptingFor = null;
+        }
+    }
+
+    /**
+     * Back out of the agreement. The run ends on `declined` — a legitimate
+     * choice, not a failure, and `state.failure` stays null.
+     *
+     * Ignored once `acceptContract()` has opened the wallet: an agreement in
+     * the middle of being signed cannot also be refused. `reset()` is the way
+     * out of a prompt that never answers.
+     */
+    declineContract(): void {
+        const bridge = this._accept;
+        if (!bridge || this._isAccepting()) return;
+        this._accept = null;
+        bridge.settle({ kind: 'declined' });
+    }
+
+    /** True only while THIS generation is waiting on the acceptance signature. */
+    private _isAccepting(): boolean {
+        return (
+            this._acceptingFor !== null &&
+            this._store.isCurrent(this._acceptingFor)
+        );
+    }
+
+    /** `reset()`: unpark the abandoned run and drop its handshake. */
+    protected override _onAbandon(): void {
+        const bridge = this._accept;
+        this._accept = null;
+        this._acceptingFor = null;
+        bridge?.settle({ kind: 'abandoned' });
+    }
+
+    // -----------------------------------------------------------------------
+
+    protected async _run(
+        input: DepositFlowInput,
+        token: number,
+    ): Promise<void> {
+        this._accept = null;
+        this._acceptingFor = null;
+        const ports = this._ports;
+        const owner = input.userAddress.toLowerCase();
+
+        // 0. The spender, from the input or from the chain config the facade
+        //    built this flow with. Without one there is nothing to read an
+        //    allowance against and nothing to approve — and guessing would
+        //    grant an approval to the wrong contract.
+        const spender = input.spender ?? this._defaultSpender;
+        if (!spender) {
+            this._fail(token, true, {
+                step: 'generate',
+                reason: 'failed',
+                error: new Error(NO_SPENDER_MESSAGE),
+            });
+            return;
+        }
+
+        // 1. Allowance pre-check. Decides `approvalRequired` — and therefore
+        //    the badge total — before the lender is shown a single step. Read
+        //    live, never cached: an exact-amount approval is fully consumed by
+        //    the deposit it paid for, so a stale allowance is exactly the value
+        //    that would wrongly skip the approve and revert the deposit.
+        let approvalRequired = true;
+        try {
+            const allowance = await ports.readAllowance(owner, spender);
+            approvalRequired = allowance.lt(input.amount);
+        } catch {
+            // A read failure is not a reason to skip an approval. Assume one is
+            // needed: the cost is a redundant approve, the alternative is a
+            // reverted deposit.
+            approvalRequired = true;
+        }
+        if (!this._store.isCurrent(token)) return;
+
+        // 2. Generate — sign the auth message.
+        this._store.patch(
+            {
+                approvalRequired,
+                phase: 'generating-sign',
+                ...badgeFor('generate', approvalRequired),
+            },
+            token,
+        );
+
+        const timestamp = this._now();
+        const signedMessage = buildAuthMessage(input, owner, timestamp);
+        let signature: string;
+        try {
+            signature = await ports.signMessage(signedMessage);
+        } catch (err) {
+            this._fail(
+                token,
+                approvalRequired,
+                classifyWalletFailure('generate', err),
+            );
+            return;
+        }
+        if (!this._store.isCurrent(token)) return;
+
+        // 3. Generate — POST the request.
+        this._store.patch(
+            {
+                phase: 'generating-fetch',
+                ...badgeFor('generate', approvalRequired),
+            },
+            token,
+        );
+        let contract: GenerateContractResponse;
+        try {
+            contract = await ports.generateContract({
+                address: owner,
+                signature,
+                timestamp,
+                signedMessage,
+                poolId: input.poolId,
+                trancheId: input.trancheId,
+                fixedTermConfigId: input.fixedTermConfigId,
+                depositAmount: input.depositAmount,
+                ...displayFieldsOf(input.contractMessage),
+            });
+        } catch (err) {
+            // Never a wallet rejection: this step is an HTTP call, and the
+            // lender's wallet was not involved in it. A backend that happened
+            // to echo the words "user rejected" must not be reported to them as
+            // something they did.
+            this._fail(token, approvalRequired, {
+                step: 'generate',
+                reason: 'failed',
+                error: err,
+            });
+            return;
+        }
+        if (!this._store.isCurrent(token)) return;
+
+        // 4. Park on the agreement until the consumer accepts or declines.
+        const outcome = await new Promise<AcceptOutcome>((resolve) => {
+            this._accept = { settle: resolve };
+            this._store.patch(
+                {
+                    phase: 'awaiting-accept',
+                    contract,
+                    ...badgeFor('confirm', approvalRequired),
+                },
+                token,
+            );
+        });
+        this._accept = null;
+        // An abandoned run lands here too — `reset()` unparks it. The token
+        // check is what tells the two apart.
+        if (!this._store.isCurrent(token)) return;
+        if (outcome.kind === 'declined') {
+            this._store.patch(
+                { phase: 'declined', ...badgeFor('confirm', approvalRequired) },
+                token,
+            );
+            return;
+        }
+        if (outcome.kind !== 'accepted') {
+            if (outcome.kind === 'failed') {
+                this._fail(
+                    token,
+                    approvalRequired,
+                    classifyWalletFailure('confirm', outcome.error),
+                );
+            }
+            return;
+        }
+
+        // 5. TTL guard. Checked here because this is where the idling happens:
+        //    the lender has just spent as long as they wanted reading. An
+        //    expired agreement is refused rather than broadcast — the on-chain
+        //    call would revert, after a wallet prompt and a gas estimate, with
+        //    nothing on screen explaining why.
+        if (this._now() > contract.timestamp + this._ttlMs) {
+            this._fail(token, approvalRequired, {
+                step: 'request',
+                reason: 'contract-expired',
+            });
+            return;
+        }
+
+        const depositData = encodeDepositData({
+            signature: outcome.signature,
+            timestamp: contract.timestamp,
+            contractVersion: contract.contractVersion,
+            contractType: asContractType(contract.contractType),
+        });
+
+        // 6. Approve — the EXACT amount, never `MaxUint256`. House rule: an
+        //    unlimited allowance outlives the deposit it was granted for, and a
+        //    later exploit of the spender would drain a wallet that has long
+        //    since stopped lending.
+        if (approvalRequired) {
+            this._store.patch(
+                { phase: 'approve', ...badgeFor('approve', approvalRequired) },
+                token,
+            );
+            try {
+                const tx = await ports.approve(spender, input.amount);
+                await tx.wait();
+            } catch (err) {
+                this._fail(
+                    token,
+                    approvalRequired,
+                    classifyWalletFailure('approve', err),
+                );
+                return;
+            }
+            if (!this._store.isCurrent(token)) return;
+        }
+
+        // 7. Request — KYC signature, then the deposit and its receipt.
+        this._store.patch(
+            { phase: 'request-sign', ...badgeFor('request', approvalRequired) },
+            token,
+        );
+
+        // The two KYC ports reach the consumer's own backend, so they fail the
+        // way the generate step does: `failed`, with the error kept. Running
+        // them through the rejection classifier would let a backend wording —
+        // "Declined", "request rejected" — end a run as "you cancelled in your
+        // wallet", with the real error discarded and nothing to report.
+        let kyc: KycSignature;
+        try {
+            const kycParams = await ports.buildKycParams(
+                owner as `0x${string}`,
+            );
+            kyc = await ports.getKycSignature(kycParams);
+        } catch (err) {
+            this._fail(token, approvalRequired, {
+                step: 'request',
+                reason: 'failed',
+                error: err,
+            });
+            return;
+        }
+        if (!this._store.isCurrent(token)) return;
+
+        try {
+            const tx = await ports.deposit({
+                poolId: input.poolId,
+                trancheId: input.trancheId,
+                amount: input.amount,
+                kycSignature: {
+                    blockExpiration: kyc.blockExpiration,
+                    signature: kyc.signature,
+                },
+                depositData,
+                fixedTermConfigId: input.fixedTermConfigId,
+            });
+            this._store.patch(
+                {
+                    phase: 'request-confirm',
+                    ...badgeFor('request', approvalRequired),
+                },
+                token,
+            );
+            await tx.wait();
+        } catch (err) {
+            this._fail(token, approvalRequired, classifyRequest(err));
+            return;
+        }
+        if (!this._store.isCurrent(token)) return;
+
+        this._store.patch(
+            { phase: 'success', ...badgeFor('request', approvalRequired) },
+            token,
+        );
+    }
+
+    private _fail(
+        token: number,
+        approvalRequired: boolean,
+        failure: DepositFailure,
+    ): void {
+        this._store.patch(
+            {
+                phase: 'error',
+                failure,
+                ...badgeFor(failure.step, approvalRequired),
+            },
+            token,
+        );
+    }
+}
+
+// ---------------------------------------------------------------------------
+// Message building
+// ---------------------------------------------------------------------------
+
+/**
+ * The auth message, in whichever format the consumer asked for. Both builders
+ * are the byte-exact protocol strings from `domain/loan-contract` — the string
+ * signed here and the body posted from `_run` state the SAME timestamp and the
+ * SAME lowercased address, because kasu-backend rebuilds one from the other.
+ */
+function buildAuthMessage(
+    input: DepositFlowInput,
+    owner: string,
+    timestamp: number,
+): string {
+    if (input.contractMessage.format === 'legacy') {
+        return buildLegacyContractRequestMessage(owner, timestamp);
+    }
+    const { strategyName, region, optionName, amountLabel } =
+        input.contractMessage;
+    return buildLoanAgreementSignMessage({
+        strategyName,
+        region,
+        optionName,
+        amountLabel,
+        timestamp,
+    });
+}
+
+/**
+ * The four display fields, present only on the new format. The backend picks
+ * its verification path on their presence: all four → the human-readable
+ * format, any missing → the legacy string.
+ */
+function displayFieldsOf(
+    message: ContractMessageRequest,
+): Pick<
+    GenerateContractRequest,
+    'strategyName' | 'region' | 'optionName' | 'amountLabel'
+> {
+    if (message.format === 'legacy') return {};
+    return {
+        strategyName: message.strategyName,
+        region: message.region,
+        optionName: message.optionName,
+        amountLabel: message.amountLabel,
+    };
+}