@rhinestone/deposit-modal 0.0.0-dev-20261005152729 → 0.0.0-dev-20261006132523

package/README.md

@@ -326,9 +326,12 @@ frame-src https://widget.swapped.com https://sandbox.swapped.com https://connect
 
 ### Bank transfer accounts (Noah)
 
-> **Preview.** Your proxy must forward `POST /compliance/verification` on the customer
-> bearer; deploy it before shipping a modal that calls it, or first-time
-> verification 404s at the proxy.
+> **Preview.** Your proxy must forward these on the customer bearer before you ship
+> a modal with `bankOnramp`: `GET /compliance/status`, `POST /compliance/verification`,
+> `GET /onramp/options`, `POST`/`GET /onramp/accounts`,
+> `GET /onramp/accounts/:id[/details]` and `GET /onramp/orders[/:id]`. A missing one
+> 404s at the proxy. [`deposit-widget-proxy`](https://github.com/rhinestonewtf/deposit-widget-proxy)
+> forwards all of them.
 >
 > The prop is opt-in and inert unless you pass it. Treat it as unstable until
 > this note is removed.
@@ -337,10 +340,18 @@ Pass `bankOnramp` to use reusable USD/EUR account details when Noah is provision
 for your organization. Integrator KYB happens directly with Noah; Rhinestone
 enables provisioning after Noah confirms it. Card and Apple Pay continue through Swapped. A customer who has
 not been verified is taken through hosted verification first; an existing active
-account is resumed; otherwise the selected currency is configured once.
+account is resumed; otherwise the account is configured once. There is no account
+selection: the customer's one account opens directly.
+
+Rhinestone chooses the currency from the residence the customer declares during
+verification: EUR inside SEPA, USD elsewhere. It is not configurable, and it does
+not follow the customer's location. The options are read again once the customer
+is approved, because only then is the residence known.
 
 The modal checks `GET /onramp/options?provider=noah` before customer verification. A 404
-(provisioning disabled or an older proxy) routes bank transfer through Swapped.
+(provisioning disabled, a declared residence Noah doesn't serve, or an older proxy)
+routes bank transfer through Swapped. When Swapped's regional list has no bank transfer
+either, the customer returns to the Cash methods with a notice and the row hidden.
 A successful response keeps Noah exclusive, even when no currencies are available.
 Authentication and service errors show a retry instead of switching providers.
 
@@ -363,7 +374,6 @@ chain. No on-chain link is shown for a fiat-only or sub-fee transfer.
 ```tsx
 <DepositModal
   bankOnramp={{
-    currency: "USD", // Optional; omit to show every available currency.
     supportUrl: "https://your-app.example/support", // Optional bank-transfer help.
     getSession: (smartAccount) =>
       authenticatedSessionClient.getCustomerSession({ smartAccount }),
@@ -487,8 +497,9 @@ const options = {
   getSession: () => authenticatedSessionClient.getCustomerSession(),
 };
 const onramp = createOnrampService(options);
-const { options: available } = await onramp.getOptions({ currency: 'EUR' });
-const { account } = await onramp.createAccount({ currency: 'EUR' });
+// Exactly one option, by region: EUR inside SEPA, USD elsewhere.
+const { options: available } = await onramp.getOptions();
+const { account } = await onramp.createAccount({ currency: available[0].currency });
 // Setup completes in this call and returns the account it configured.
 // Show the customer their bank details through a separate, repeatable call:
 const { bankDetails } = await onramp.getAccountDetails(account.id);

package/dist/{BankOnrampStep-5JZU2VV7.cjs → BankOnrampStep-BJVXBEV5.cjs}

@@ -8,15 +8,15 @@
 var _chunkG264OM23cjs = require('./chunk-G264OM23.cjs');
 
 
-var _chunk6OFZPWBLcjs = require('./chunk-6OFZPWBL.cjs');
+var _chunkAXCGY2TGcjs = require('./chunk-AXCGY2TG.cjs');
 
 
 
-var _chunk4Y7VO7E6cjs = require('./chunk-4Y7VO7E6.cjs');
+var _chunkBAVRVXLVcjs = require('./chunk-BAVRVXLV.cjs');
 
 
-var _chunkCCDDZTYWcjs = require('./chunk-CCDDZTYW.cjs');
-require('./chunk-ZO745YKG.cjs');
+var _chunkDSM4IHTMcjs = require('./chunk-DSM4IHTM.cjs');
+require('./chunk-5ACTCWIE.cjs');
 
 // src/components/steps/BankOnrampStep.tsx
 var _react = require('react');
@@ -128,25 +128,9 @@ var OPTIONS_ERROR = "Bank transfer options are unavailable. Try again.";
 var VERIFICATION_POLL_MS = 5e3;
 var MAX_TIMEOUT_MS = 2147483647;
 function BankOnrampStep({
-  unavailableFallback,
-  ...props
-}) {
-  const [unavailable, setUnavailable] = _react.useState.call(void 0, false);
-  const handleUnavailable = _react.useCallback.call(void 0, () => setUnavailable(true), []);
-  if (unavailable) return /* @__PURE__ */ _jsxruntime.jsx.call(void 0, _jsxruntime.Fragment, { children: unavailableFallback });
-  return /* @__PURE__ */ _jsxruntime.jsx.call(void 0, 
-    NoahOnrampStep,
-    {
-      ...props,
-      onUnavailable: unavailableFallback ? handleUnavailable : void 0
-    }
-  );
-}
-function NoahOnrampStep({
   backendUrl,
   smartAccount,
   bankOnramp,
-  onInternalBack,
   onError,
   openExternally,
   onUnavailable,
@@ -161,7 +145,7 @@ function NoahOnrampStep({
     [backendUrl, getSessionRef, smartAccount]
   );
   const service = _react.useMemo.call(void 0, 
-    () => _chunk6OFZPWBLcjs.createOnrampService.call(void 0, sessionOptions),
+    () => _chunkAXCGY2TGcjs.createOnrampService.call(void 0, sessionOptions),
     [sessionOptions]
   );
   const [availableForHistory, setAvailableForHistory] = _react.useState.call(void 0, false);
@@ -169,12 +153,15 @@ function NoahOnrampStep({
     if (availableForHistory) _optionalChain([onHistorySource, 'optionalCall', _ => _(service)]);
     return () => _optionalChain([onHistorySource, 'optionalCall', _2 => _2(null)]);
   }, [service, onHistorySource, availableForHistory]);
-  const [options, setOptions] = _react.useState.call(void 0, []);
-  const [accounts, setAccounts] = _react.useState.call(void 0, []);
+  const [noOptions, setNoOptions] = _react.useState.call(void 0, false);
   const [loading, setLoading] = _react.useState.call(void 0, true);
-  const [selectedAccount, setSelectedAccount] = _react.useState.call(void 0, null);
+  const [selectedAccount, setSelectedAccount] = _react.useState.call(void 0, 
+    null
+  );
   const [hostedUrl, setHostedUrl] = _react.useState.call(void 0, null);
-  const [bankDetails, setBankDetails] = _react.useState.call(void 0, null);
+  const [bankDetails, setBankDetails] = _react.useState.call(void 0, 
+    null
+  );
   const [verificationExpired, setVerificationExpired] = _react.useState.call(void 0, false);
   const [verificationExpiresAt, setVerificationExpiresAt] = _react.useState.call(void 0, null);
   const [iframeLoaded, setIframeLoaded] = _react.useState.call(void 0, false);
@@ -182,19 +169,13 @@ function NoahOnrampStep({
   const [error, setError] = _react.useState.call(void 0, null);
   const [verifying, setVerifying] = _react.useState.call(void 0, null);
   const requestGenerationRef = _react.useRef.call(void 0, 0);
+  const verificationResumedRef = _react.useRef.call(void 0, false);
   const isCurrentRequest = _react.useCallback.call(void 0, 
     (generation) => requestGenerationRef.current === generation,
     []
   );
-  const ensureVerified = _react.useCallback.call(void 0, async () => {
-    const current = await _chunk4Y7VO7E6cjs.getComplianceStatus.call(void 0, sessionOptions);
-    if (current.status === "approved") return "approved";
-    if (current.status === "declined") return "declined";
-    const session = await _chunk4Y7VO7E6cjs.startComplianceVerification.call(void 0, sessionOptions, {
-      // Verification is per fiat currency. Without an explicit choice the US
-      // dollar journey is the one every configured country can complete.
-      currency: _nullishCoalesce(bankOnramp.currency, () => ( "USD"))
-    });
+  const startVerification = _react.useCallback.call(void 0, async () => {
+    const session = await _chunkBAVRVXLVcjs.startComplianceVerification.call(void 0, sessionOptions);
     if (session.status === "failed") return "declined";
     if (!session.nextAction) return "reviewing";
     if (!isTrustedNoahHostedUrl(session.nextAction.url)) return "reviewing";
@@ -208,21 +189,27 @@ function NoahOnrampStep({
     setVerificationExpired(false);
     setIframeLoaded(false);
     return "action_required";
-  }, [bankOnramp.currency, openExternally, sessionOptions]);
+  }, [openExternally, sessionOptions]);
+  const ensureVerified = _react.useCallback.call(void 0, async () => {
+    const current = await _chunkBAVRVXLVcjs.getComplianceStatus.call(void 0, sessionOptions);
+    if (current.status === "approved") return "approved";
+    if (current.status === "declined") return "declined";
+    return startVerification();
+  }, [sessionOptions, startVerification]);
   const loadAccounts = _react.useCallback.call(void 0, async () => {
     const generation = ++requestGenerationRef.current;
     setLoading(true);
     setError(null);
+    setNoOptions(false);
     try {
-      const available = await service.getOptions({
-        ...bankOnramp.currency ? { currency: bankOnramp.currency } : {}
-      }).catch((error2) => {
-        if (error2 instanceof _chunkCCDDZTYWcjs.ScopedRequestError && error2.status === 404 && onUnavailable) {
+      const discover = () => service.getOptions().catch((error2) => {
+        if (error2 instanceof _chunkDSM4IHTMcjs.ScopedRequestError && error2.status === 404 && onUnavailable) {
           if (isCurrentRequest(generation)) onUnavailable();
           return null;
         }
         throw error2;
       });
+      const available = await discover();
       if (!available || !isCurrentRequest(generation)) return;
       setAvailableForHistory(true);
       const verification = await ensureVerified();
@@ -233,10 +220,22 @@ function NoahOnrampStep({
       }
       setVerifying(null);
       setExternalOpened(false);
-      const existing = await service.listAccounts();
-      if (!isCurrentRequest(generation)) return;
-      setOptions(available.options);
-      setAccounts(existing.items);
+      const [current, existing] = await Promise.all([
+        discover(),
+        service.listAccounts()
+      ]);
+      if (!current || !isCurrentRequest(generation)) return;
+      const [option] = current.options;
+      if (!option) {
+        setNoOptions(true);
+        return;
+      }
+      void selectOptionRef.current(
+        option,
+        existing.items.find(
+          (account) => account.status === "active" && account.currency === option.currency
+        )
+      );
     } catch (e3) {
       if (!isCurrentRequest(generation)) return;
       setError(OPTIONS_ERROR);
@@ -244,14 +243,7 @@ function NoahOnrampStep({
     } finally {
       if (isCurrentRequest(generation)) setLoading(false);
     }
-  }, [
-    bankOnramp.currency,
-    ensureVerified,
-    isCurrentRequest,
-    onError,
-    onUnavailable,
-    service
-  ]);
+  }, [ensureVerified, isCurrentRequest, onError, onUnavailable, service]);
   _react.useEffect.call(void 0, () => {
     setSelectedAccount(null);
     setBankDetails(null);
@@ -269,16 +261,22 @@ function NoahOnrampStep({
       setError(null);
       setBankDetails(null);
       try {
-        const { bankDetails: details } = await service.getAccountDetails(account.id);
+        const { bankDetails: details } = await service.getAccountDetails(
+          account.id
+        );
         if (!isCurrentRequest(generation)) return;
-        if (details.currency !== account.currency) throw new Error("Bank currency mismatch");
+        if (details.currency !== account.currency)
+          throw new Error("Bank currency mismatch");
         setBankDetails(details);
       } catch (error2) {
         if (!isCurrentRequest(generation)) return;
-        const pending = error2 instanceof _chunkCCDDZTYWcjs.ScopedRequestError && error2.status === 409;
+        const pending = error2 instanceof _chunkDSM4IHTMcjs.ScopedRequestError && error2.status === 409;
         const message = pending ? PENDING_ERROR : SAFE_ERROR;
         setError(message);
-        _optionalChain([onError, 'optionalCall', _4 => _4(message, pending ? "BANK_ONRAMP_DETAILS_PENDING" : "BANK_ONRAMP_DETAILS_FAILED")]);
+        _optionalChain([onError, 'optionalCall', _4 => _4(
+          message,
+          pending ? "BANK_ONRAMP_DETAILS_PENDING" : "BANK_ONRAMP_DETAILS_FAILED"
+        )]);
       } finally {
         if (isCurrentRequest(generation)) setLoading(false);
       }
@@ -304,27 +302,28 @@ function NoahOnrampStep({
         if (!isCurrentRequest(generation)) return;
         setSelectedAccount(nextAccount);
         await openDetails(nextAccount);
-      } catch (e4) {
+      } catch (error2) {
         if (!isCurrentRequest(generation)) return;
+        if (error2 instanceof _chunkDSM4IHTMcjs.ScopedRequestError && error2.status === 409 && error2.code === "VERIFICATION_REQUIRED" && !verificationResumedRef.current) {
+          verificationResumedRef.current = true;
+          try {
+            const verification = await startVerification();
+            if (!isCurrentRequest(generation)) return;
+            setVerifying(verification);
+            setLoading(false);
+            return;
+          } catch (e4) {
+            if (!isCurrentRequest(generation)) return;
+          }
+        }
         setError(SAFE_ERROR);
         _optionalChain([onError, 'optionalCall', _5 => _5(SAFE_ERROR, "BANK_ONRAMP_SETUP_FAILED")]);
         setLoading(false);
       }
     },
-    [isCurrentRequest, onError, openDetails, service]
+    [isCurrentRequest, onError, openDetails, service, startVerification]
   );
-  const backToCurrencies = _react.useCallback.call(void 0, () => {
-    requestGenerationRef.current += 1;
-    setSelectedAccount(null);
-    setBankDetails(null);
-    setError(null);
-    setLoading(false);
-  }, []);
-  _react.useEffect.call(void 0, () => {
-    if (!onInternalBack) return;
-    onInternalBack(selectedAccount ? backToCurrencies : null);
-    return () => onInternalBack(null);
-  }, [backToCurrencies, onInternalBack, selectedAccount]);
+  const selectOptionRef = _chunkG264OM23cjs.useLatestRef.call(void 0, selectOption);
   _react.useEffect.call(void 0, () => {
     if (verifying !== "action_required" || !hostedUrl) return;
     const remaining = hostedSessionRemainingMs(
@@ -341,7 +340,7 @@ function NoahOnrampStep({
     const timer = setInterval(() => {
       void (async () => {
         try {
-          const status = await _chunk4Y7VO7E6cjs.getComplianceStatus.call(void 0, sessionOptions);
+          const status = await _chunkBAVRVXLVcjs.getComplianceStatus.call(void 0, sessionOptions);
           if (!active) return;
           if (status.status === "approved") {
             setHostedUrl(null);
@@ -371,7 +370,7 @@ function NoahOnrampStep({
       {
         icon: /* @__PURE__ */ _jsxruntime.jsx.call(void 0, _chunkG264OM23cjs.BankIcon, {}),
         title: "Bank transfer",
-        subtitle: bankDetails ? "Your bank transfer details" : "Choose an account to view transfer details"
+        subtitle: "Your bank transfer details"
       }
     ),
     loading && /* @__PURE__ */ _jsxruntime.jsxs.call(void 0, "div", { className: "rs-loading-state", "aria-live": "polite", children: [
@@ -406,7 +405,14 @@ function NoahOnrampStep({
       ) })
     ] }),
     !loading && !error && verifying === "action_required" && !verificationExpired && hostedUrl && /* @__PURE__ */ _jsxruntime.jsxs.call(void 0, "div", { className: "rs-bank-onramp-hosted", children: [
-      !iframeLoaded && /* @__PURE__ */ _jsxruntime.jsx.call(void 0, "div", { className: "rs-bank-onramp-frame-loading", "aria-live": "polite", children: /* @__PURE__ */ _jsxruntime.jsx.call(void 0, _chunkG264OM23cjs.Spinner, {}) }),
+      !iframeLoaded && /* @__PURE__ */ _jsxruntime.jsx.call(void 0, 
+        "div",
+        {
+          className: "rs-bank-onramp-frame-loading",
+          "aria-live": "polite",
+          children: /* @__PURE__ */ _jsxruntime.jsx.call(void 0, _chunkG264OM23cjs.Spinner, {})
+        }
+      ),
       /* @__PURE__ */ _jsxruntime.jsx.call(void 0, 
         "iframe",
         {
@@ -419,34 +425,7 @@ function NoahOnrampStep({
         }
       )
     ] }),
-    !loading && !error && !verifying && !selectedAccount && /* @__PURE__ */ _jsxruntime.jsxs.call(void 0, "div", { className: "rs-list", children: [
-      options.map((option) => {
-        const account = accounts.find(
-          (candidate) => candidate.status === "active" && candidate.currency === option.currency
-        );
-        return /* @__PURE__ */ _jsxruntime.jsxs.call(void 0, 
-          "button",
-          {
-            type: "button",
-            className: "rs-list-row",
-            onClick: () => void selectOption(option, account),
-            "aria-label": `${account ? "View" : "Set up"} ${option.currency} bank account`,
-            children: [
-              /* @__PURE__ */ _jsxruntime.jsx.call(void 0, "span", { className: "rs-list-row-leading", children: /* @__PURE__ */ _jsxruntime.jsx.call(void 0, _chunkG264OM23cjs.BankIcon, {}) }),
-              /* @__PURE__ */ _jsxruntime.jsx.call(void 0, "span", { className: "rs-list-row-body", children: /* @__PURE__ */ _jsxruntime.jsxs.call(void 0, "span", { className: "rs-list-row-text", children: [
-                /* @__PURE__ */ _jsxruntime.jsxs.call(void 0, "span", { className: "rs-list-row-title", children: [
-                  option.currency,
-                  " account"
-                ] }),
-                /* @__PURE__ */ _jsxruntime.jsx.call(void 0, "span", { className: "rs-list-row-subtitle", children: account ? "View bank details" : "Set up bank details" })
-              ] }) })
-            ]
-          },
-          option.currency
-        );
-      }),
-      options.length === 0 && /* @__PURE__ */ _jsxruntime.jsx.call(void 0, "div", { className: "rs-loading-state", children: /* @__PURE__ */ _jsxruntime.jsx.call(void 0, "div", { className: "rs-loading-title", children: "No bank transfer options are available." }) })
-    ] }),
+    !loading && !error && !verifying && noOptions && /* @__PURE__ */ _jsxruntime.jsx.call(void 0, "div", { className: "rs-loading-state", children: /* @__PURE__ */ _jsxruntime.jsx.call(void 0, "div", { className: "rs-loading-title", children: "No bank transfer options are available." }) }),
     !loading && !error && !verifying && selectedAccount && bankDetails && /* @__PURE__ */ _jsxruntime.jsx.call(void 0, _jsxruntime.Fragment, { children: /* @__PURE__ */ _jsxruntime.jsx.call(void 0, BankDetailsView, { details: bankDetails }, selectedAccount.id) })
   ] }) });
 }

package/dist/{BankOnrampStep-2MGAO3L2.mjs → BankOnrampStep-TOE3JOPY.mjs}

@@ -8,15 +8,15 @@ import {
 } from "./chunk-YY4ZOAH5.mjs";
 import {
   createOnrampService
-} from "./chunk-6KNIVGZM.mjs";
+} from "./chunk-T255BMBC.mjs";
 import {
   getComplianceStatus,
   startComplianceVerification
-} from "./chunk-UQ6JWKI6.mjs";
+} from "./chunk-GR23TV4U.mjs";
 import {
   ScopedRequestError
-} from "./chunk-ERIMNOQF.mjs";
-import "./chunk-STHQNQSI.mjs";
+} from "./chunk-3R3A7OYL.mjs";
+import "./chunk-HQDTWHSI.mjs";
 
 // src/components/steps/BankOnrampStep.tsx
 import { useCallback, useEffect, useMemo, useRef, useState as useState2 } from "react";
@@ -128,25 +128,9 @@ var OPTIONS_ERROR = "Bank transfer options are unavailable. Try again.";
 var VERIFICATION_POLL_MS = 5e3;
 var MAX_TIMEOUT_MS = 2147483647;
 function BankOnrampStep({
-  unavailableFallback,
-  ...props
-}) {
-  const [unavailable, setUnavailable] = useState2(false);
-  const handleUnavailable = useCallback(() => setUnavailable(true), []);
-  if (unavailable) return /* @__PURE__ */ jsx2(Fragment, { children: unavailableFallback });
-  return /* @__PURE__ */ jsx2(
-    NoahOnrampStep,
-    {
-      ...props,
-      onUnavailable: unavailableFallback ? handleUnavailable : void 0
-    }
-  );
-}
-function NoahOnrampStep({
   backendUrl,
   smartAccount,
   bankOnramp,
-  onInternalBack,
   onError,
   openExternally,
   onUnavailable,
@@ -169,12 +153,15 @@ function NoahOnrampStep({
     if (availableForHistory) onHistorySource?.(service);
     return () => onHistorySource?.(null);
   }, [service, onHistorySource, availableForHistory]);
-  const [options, setOptions] = useState2([]);
-  const [accounts, setAccounts] = useState2([]);
+  const [noOptions, setNoOptions] = useState2(false);
   const [loading, setLoading] = useState2(true);
-  const [selectedAccount, setSelectedAccount] = useState2(null);
+  const [selectedAccount, setSelectedAccount] = useState2(
+    null
+  );
   const [hostedUrl, setHostedUrl] = useState2(null);
-  const [bankDetails, setBankDetails] = useState2(null);
+  const [bankDetails, setBankDetails] = useState2(
+    null
+  );
   const [verificationExpired, setVerificationExpired] = useState2(false);
   const [verificationExpiresAt, setVerificationExpiresAt] = useState2(null);
   const [iframeLoaded, setIframeLoaded] = useState2(false);
@@ -182,19 +169,13 @@ function NoahOnrampStep({
   const [error, setError] = useState2(null);
   const [verifying, setVerifying] = useState2(null);
   const requestGenerationRef = useRef(0);
+  const verificationResumedRef = useRef(false);
   const isCurrentRequest = useCallback(
     (generation) => requestGenerationRef.current === generation,
     []
   );
-  const ensureVerified = useCallback(async () => {
-    const current = await getComplianceStatus(sessionOptions);
-    if (current.status === "approved") return "approved";
-    if (current.status === "declined") return "declined";
-    const session = await startComplianceVerification(sessionOptions, {
-      // Verification is per fiat currency. Without an explicit choice the US
-      // dollar journey is the one every configured country can complete.
-      currency: bankOnramp.currency ?? "USD"
-    });
+  const startVerification = useCallback(async () => {
+    const session = await startComplianceVerification(sessionOptions);
     if (session.status === "failed") return "declined";
     if (!session.nextAction) return "reviewing";
     if (!isTrustedNoahHostedUrl(session.nextAction.url)) return "reviewing";
@@ -208,21 +189,27 @@ function NoahOnrampStep({
     setVerificationExpired(false);
     setIframeLoaded(false);
     return "action_required";
-  }, [bankOnramp.currency, openExternally, sessionOptions]);
+  }, [openExternally, sessionOptions]);
+  const ensureVerified = useCallback(async () => {
+    const current = await getComplianceStatus(sessionOptions);
+    if (current.status === "approved") return "approved";
+    if (current.status === "declined") return "declined";
+    return startVerification();
+  }, [sessionOptions, startVerification]);
   const loadAccounts = useCallback(async () => {
     const generation = ++requestGenerationRef.current;
     setLoading(true);
     setError(null);
+    setNoOptions(false);
     try {
-      const available = await service.getOptions({
-        ...bankOnramp.currency ? { currency: bankOnramp.currency } : {}
-      }).catch((error2) => {
+      const discover = () => service.getOptions().catch((error2) => {
         if (error2 instanceof ScopedRequestError && error2.status === 404 && onUnavailable) {
           if (isCurrentRequest(generation)) onUnavailable();
           return null;
         }
         throw error2;
       });
+      const available = await discover();
       if (!available || !isCurrentRequest(generation)) return;
       setAvailableForHistory(true);
       const verification = await ensureVerified();
@@ -233,10 +220,22 @@ function NoahOnrampStep({
       }
       setVerifying(null);
       setExternalOpened(false);
-      const existing = await service.listAccounts();
-      if (!isCurrentRequest(generation)) return;
-      setOptions(available.options);
-      setAccounts(existing.items);
+      const [current, existing] = await Promise.all([
+        discover(),
+        service.listAccounts()
+      ]);
+      if (!current || !isCurrentRequest(generation)) return;
+      const [option] = current.options;
+      if (!option) {
+        setNoOptions(true);
+        return;
+      }
+      void selectOptionRef.current(
+        option,
+        existing.items.find(
+          (account) => account.status === "active" && account.currency === option.currency
+        )
+      );
     } catch {
       if (!isCurrentRequest(generation)) return;
       setError(OPTIONS_ERROR);
@@ -244,14 +243,7 @@ function NoahOnrampStep({
     } finally {
       if (isCurrentRequest(generation)) setLoading(false);
     }
-  }, [
-    bankOnramp.currency,
-    ensureVerified,
-    isCurrentRequest,
-    onError,
-    onUnavailable,
-    service
-  ]);
+  }, [ensureVerified, isCurrentRequest, onError, onUnavailable, service]);
   useEffect(() => {
     setSelectedAccount(null);
     setBankDetails(null);
@@ -269,16 +261,22 @@ function NoahOnrampStep({
       setError(null);
       setBankDetails(null);
       try {
-        const { bankDetails: details } = await service.getAccountDetails(account.id);
+        const { bankDetails: details } = await service.getAccountDetails(
+          account.id
+        );
         if (!isCurrentRequest(generation)) return;
-        if (details.currency !== account.currency) throw new Error("Bank currency mismatch");
+        if (details.currency !== account.currency)
+          throw new Error("Bank currency mismatch");
         setBankDetails(details);
       } catch (error2) {
         if (!isCurrentRequest(generation)) return;
         const pending = error2 instanceof ScopedRequestError && error2.status === 409;
         const message = pending ? PENDING_ERROR : SAFE_ERROR;
         setError(message);
-        onError?.(message, pending ? "BANK_ONRAMP_DETAILS_PENDING" : "BANK_ONRAMP_DETAILS_FAILED");
+        onError?.(
+          message,
+          pending ? "BANK_ONRAMP_DETAILS_PENDING" : "BANK_ONRAMP_DETAILS_FAILED"
+        );
       } finally {
         if (isCurrentRequest(generation)) setLoading(false);
       }
@@ -304,27 +302,28 @@ function NoahOnrampStep({
         if (!isCurrentRequest(generation)) return;
         setSelectedAccount(nextAccount);
         await openDetails(nextAccount);
-      } catch {
+      } catch (error2) {
         if (!isCurrentRequest(generation)) return;
+        if (error2 instanceof ScopedRequestError && error2.status === 409 && error2.code === "VERIFICATION_REQUIRED" && !verificationResumedRef.current) {
+          verificationResumedRef.current = true;
+          try {
+            const verification = await startVerification();
+            if (!isCurrentRequest(generation)) return;
+            setVerifying(verification);
+            setLoading(false);
+            return;
+          } catch {
+            if (!isCurrentRequest(generation)) return;
+          }
+        }
         setError(SAFE_ERROR);
         onError?.(SAFE_ERROR, "BANK_ONRAMP_SETUP_FAILED");
         setLoading(false);
       }
     },
-    [isCurrentRequest, onError, openDetails, service]
+    [isCurrentRequest, onError, openDetails, service, startVerification]
   );
-  const backToCurrencies = useCallback(() => {
-    requestGenerationRef.current += 1;
-    setSelectedAccount(null);
-    setBankDetails(null);
-    setError(null);
-    setLoading(false);
-  }, []);
-  useEffect(() => {
-    if (!onInternalBack) return;
-    onInternalBack(selectedAccount ? backToCurrencies : null);
-    return () => onInternalBack(null);
-  }, [backToCurrencies, onInternalBack, selectedAccount]);
+  const selectOptionRef = useLatestRef(selectOption);
   useEffect(() => {
     if (verifying !== "action_required" || !hostedUrl) return;
     const remaining = hostedSessionRemainingMs(
@@ -371,7 +370,7 @@ function NoahOnrampStep({
       {
         icon: /* @__PURE__ */ jsx2(BankIcon, {}),
         title: "Bank transfer",
-        subtitle: bankDetails ? "Your bank transfer details" : "Choose an account to view transfer details"
+        subtitle: "Your bank transfer details"
       }
     ),
     loading && /* @__PURE__ */ jsxs2("div", { className: "rs-loading-state", "aria-live": "polite", children: [
@@ -406,7 +405,14 @@ function NoahOnrampStep({
       ) })
     ] }),
     !loading && !error && verifying === "action_required" && !verificationExpired && hostedUrl && /* @__PURE__ */ jsxs2("div", { className: "rs-bank-onramp-hosted", children: [
-      !iframeLoaded && /* @__PURE__ */ jsx2("div", { className: "rs-bank-onramp-frame-loading", "aria-live": "polite", children: /* @__PURE__ */ jsx2(Spinner, {}) }),
+      !iframeLoaded && /* @__PURE__ */ jsx2(
+        "div",
+        {
+          className: "rs-bank-onramp-frame-loading",
+          "aria-live": "polite",
+          children: /* @__PURE__ */ jsx2(Spinner, {})
+        }
+      ),
       /* @__PURE__ */ jsx2(
         "iframe",
         {
@@ -419,34 +425,7 @@ function NoahOnrampStep({
         }
       )
     ] }),
-    !loading && !error && !verifying && !selectedAccount && /* @__PURE__ */ jsxs2("div", { className: "rs-list", children: [
-      options.map((option) => {
-        const account = accounts.find(
-          (candidate) => candidate.status === "active" && candidate.currency === option.currency
-        );
-        return /* @__PURE__ */ jsxs2(
-          "button",
-          {
-            type: "button",
-            className: "rs-list-row",
-            onClick: () => void selectOption(option, account),
-            "aria-label": `${account ? "View" : "Set up"} ${option.currency} bank account`,
-            children: [
-              /* @__PURE__ */ jsx2("span", { className: "rs-list-row-leading", children: /* @__PURE__ */ jsx2(BankIcon, {}) }),
-              /* @__PURE__ */ jsx2("span", { className: "rs-list-row-body", children: /* @__PURE__ */ jsxs2("span", { className: "rs-list-row-text", children: [
-                /* @__PURE__ */ jsxs2("span", { className: "rs-list-row-title", children: [
-                  option.currency,
-                  " account"
-                ] }),
-                /* @__PURE__ */ jsx2("span", { className: "rs-list-row-subtitle", children: account ? "View bank details" : "Set up bank details" })
-              ] }) })
-            ]
-          },
-          option.currency
-        );
-      }),
-      options.length === 0 && /* @__PURE__ */ jsx2("div", { className: "rs-loading-state", children: /* @__PURE__ */ jsx2("div", { className: "rs-loading-title", children: "No bank transfer options are available." }) })
-    ] }),
+    !loading && !error && !verifying && noOptions && /* @__PURE__ */ jsx2("div", { className: "rs-loading-state", children: /* @__PURE__ */ jsx2("div", { className: "rs-loading-title", children: "No bank transfer options are available." }) }),
     !loading && !error && !verifying && selectedAccount && bankDetails && /* @__PURE__ */ jsx2(Fragment, { children: /* @__PURE__ */ jsx2(BankDetailsView, { details: bankDetails }, selectedAccount.id) })
   ] }) });
 }