@rozoai/intent-pay 0.1.37 → 0.1.38-beta.1

package/build/src/components/Spinners/TokenLogoSpinner/index.js

@@ -1,12 +1,15 @@
 import { jsx, jsxs } from 'react/jsx-runtime';
 import { AnimatePresence } from 'framer-motion';
 import { chainToLogo } from '../../../assets/chains.js';
+import { isNativeToken } from '@rozoai/intent-common';
 import CircleSpinner from '../CircleSpinner/index.js';
 import { LoadingContainer, AnimationContainer } from '../styles.js';
 import { ChainLogoContainer } from './styles.js';
 
-const TokenLogoSpinner = ({ token, loading = false }) => {
-    return (jsx(LoadingContainer, { children: jsx(AnimationContainer, { "$circle": true, children: jsxs(AnimatePresence, { children: [chainToLogo[token.chainId] && (jsx(ChainLogoContainer, { children: chainToLogo[token.chainId] }, "ChainLogoContainer")), jsx(CircleSpinner, { logo: jsx("img", { src: token.logoURI, alt: token.symbol }), loading: loading, unavailable: false }, "CircleSpinner")] }) }) }));
+const TokenLogoSpinner = ({ token, loading = false, nativeAsChainIcon = false, }) => {
+    const chainLogo = chainToLogo[token.chainId];
+    const showChainAsMain = nativeAsChainIcon && isNativeToken(token.token) && chainLogo != null;
+    return (jsx(LoadingContainer, { children: jsx(AnimationContainer, { "$circle": true, children: jsxs(AnimatePresence, { children: [chainLogo && !showChainAsMain && (jsx(ChainLogoContainer, { children: chainLogo }, "ChainLogoContainer")), jsx(CircleSpinner, { logo: showChainAsMain ? (chainLogo) : (jsx("img", { src: token.logoURI, alt: token.symbol })), loading: loading, unavailable: false }, "CircleSpinner")] }) }) }));
 };
 
 export { TokenLogoSpinner as default };

package/build/src/components/Spinners/TokenLogoSpinner/index.js.map

@@ -1 +1 @@
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package/build/src/hooks/useDepositAddressOptions.js

@@ -62,14 +62,15 @@ const fallbackOptions = [
  * - Ethereum (Chain ID: 1) - Ethereum mainnet
  * - BSC (Chain ID: 56) - Conditional support for MP app IDs
  */
-function useDepositAddressOptions({ trpc, usdRequired, payParams, }) {
+function useDepositAddressOptions({ trpc, usdRequired, mode, payParams, }) {
     const { data, isLoading, error } = useQuery({
-        enabled: usdRequired != null && usdRequired > 0,
-        queryKey: ["depositAddressOptions", usdRequired],
+        enabled: usdRequired != null && usdRequired > 0 && mode != null,
+        queryKey: ["depositAddressOptions", usdRequired, mode],
         queryFn: async () => {
             try {
                 return await trpc.getDepositAddressOptions.query({
-                    usdRequired: usdRequired,
+                    usdRequired,
+                    mode,
                 });
             }
             catch (err) {
@@ -85,17 +86,26 @@ function useDepositAddressOptions({ trpc, usdRequired, payParams, }) {
     // Memoized configuration for deposit address options
     const filteredOptions = useMemo(() => {
         const options = data ?? [];
-        if (payParams?.preferredTokens && payParams.preferredTokens.length > 0) {
-            return options.filter((option) => payParams.preferredTokens?.some((pt) => pt.token != null &&
-                normalizeTokenAddress(option.token.chainId, pt.token) ===
-                    normalizeTokenAddress(option.token.chainId, option.token.token)));
+        if (payParams?.preferredTokens && payParams?.preferredTokens.length > 0) {
+            // Address match: token addresses can differ in casing between the SDK
+            // token registry (EVM natives stored lowercase) and the API response
+            // (EIP-55 checksummed), so a strict `===` drops native ETH/POL/BNB
+            // deposit options. Normalize per-chain: EVM lowercase, Solana/Stellar
+            // case-sensitive.
+            const normalize = (chainId, addr) => normalizeTokenAddress(chainId, addr) ?? addr;
+            const preferred = new Set(payParams.preferredTokens.map((pt) => `${pt.chainId}:${normalize(pt.chainId, pt.token)}`));
+            return options.filter((option) => preferred.has(`${option.token.chainId}:${normalize(option.token.chainId, option.token.token)}`));
         }
         return options;
     }, [data, payParams?.preferredTokens]);
     return {
         options: filteredOptions,
         loading: isLoading,
-        error: error ? String(error) : null,
+        error: error
+            ? error instanceof Error
+                ? error.message
+                : "Failed to load deposit address options"
+            : null,
     };
 }
 

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package/build/src/hooks/usePaymentState.js

@@ -1,10 +1,11 @@
-import { ExternalPaymentOptions, rozoStellar, TokenSymbol, assert, getPayment, checkoutPayment, buildCheckoutPayload, createPayment, debugJson, formatPaymentResponseToHydratedOrder, bscUSDT, assertNotNull, isValidSolanaAddress, rozoSolanaUSDC, rozoStellarUSDC, rozoStellarEURC, solana, rozoSolana, stellar, getChainById, getKnownToken, generateSolanaDeepLink, generateEVMDeepLink, writeRozoPayOrderID } from '@rozoai/intent-common';
+import { ExternalPaymentOptions, rozoStellar, TokenSymbol, assert, isNativeToken, getPayment, checkoutPayment, buildCheckoutPayload, createPayment, debugJson, normalizeTokenAddress, formatPaymentResponseToHydratedOrder, bscUSDT, assertNotNull, isValidSolanaAddress, solanaSOL, stellarXLM, rozoStellarUSDC, rozoStellarEURC, solana, rozoSolana, stellar, FeeType, getChainById, getKnownToken, generateSolanaDeepLink, generateEVMDeepLink, writeRozoPayOrderID } from '@rozoai/intent-common';
 import { useWallet, useConnection } from '@solana/wallet-adapter-react';
-import { VersionedTransaction, PublicKey, Transaction } from '@solana/web3.js';
+import { VersionedTransaction, PublicKey, SystemProgram, Transaction } from '@solana/web3.js';
 import { useRef, useState, useEffect, useCallback, useMemo } from 'react';
-import { parseUnits, zeroAddress, getAddress, erc20Abi, hexToBytes } from 'viem';
+import { getAddress, erc20Abi, hexToBytes, parseUnits } from 'viem';
 import { useAccount, useSwitchChain, useSendTransaction, useWriteContract, useWalletClient, useCapabilities } from 'wagmi';
 import { useWriteContracts } from 'wagmi/experimental';
+import { tokenBaseAmountToDecimalString, tokenAmountToBaseUnits } from '../utils/format.js';
 import { convertPreferredSymbolsToTokens } from '../utils/token.js';
 import { createMemoInstruction } from '@solana/spl-memo';
 import { getAssociatedTokenAddress, createAssociatedTokenAccountInstruction, TOKEN_PROGRAM_ID, createTransferCheckedInstruction } from '@solana/spl-token';
@@ -52,7 +53,7 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
     const { data: walletClient } = useWalletClient();
     const { data: walletCapabilities, isPending: capabilitiesPending } = useCapabilities();
     const { writeContractsAsync } = useWriteContracts();
-    // ponytail: order.metadata.dataSuffix survives ROZO_INVOICE_URL redirects where the
+    // order.metadata.dataSuffix survives ROZO_INVOICE_URL redirects where the
     // consumer's wagmi config (globalDataSuffix) is absent. Invoice checkout fetches the
     // order first and passes metadata.dataSuffix into getDefaultConfig, but this fallback
     // covers the in-SDK path where the order is already loaded.
@@ -161,12 +162,26 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
         }
         // payId mode: derive filtering params from the loaded order so that
         // payment option hooks apply the same token filtering as appId mode.
-        // e.g. if destination is USDC, only show USDC/USDT sources (not EURC).
+        // e.g. if destination is USDC, allow paying with USDC/USDT/native tokens
+        // (we don't support payout to native tokens yet, but paying *with* native
+        // source balances is fine). EURC destinations are payable only with EURC.
         if (pay.order && pay.order.destFinalCallTokenAmount) {
             const destSymbol = pay.order.destFinalCallTokenAmount.token.symbol;
-            // Derive preferredSymbol from destination: EURC destinations show EURC,
-            // everything else defaults to USDC + USDT.
-            const preferredSymbol = destSymbol === TokenSymbol.EURC ? [TokenSymbol.EURC] : [TokenSymbol.USDC, TokenSymbol.USDT];
+            // Derive preferredSymbol from destination: EURC destinations must be
+            // paid with EURC only. Everything else defaults to USDC + USDT plus
+            // native tokens as payable sources (payout is still fixed to
+            // toChain/toToken and never native).
+            const preferredSymbol = destSymbol === TokenSymbol.EURC
+                ? [TokenSymbol.EURC]
+                : [
+                    TokenSymbol.USDC,
+                    TokenSymbol.USDT,
+                    TokenSymbol.ETH,
+                    TokenSymbol.BNB,
+                    TokenSymbol.POL,
+                    TokenSymbol.SOL,
+                    TokenSymbol.XLM,
+                ];
             const preferredTokens = convertPreferredSymbolsToTokens(preferredSymbol, undefined);
             return {
                 toChain: pay.order.destFinalCallTokenAmount.token.chainId,
@@ -214,6 +229,7 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
     const depositAddressOptions = useDepositAddressOptions({
         trpc,
         usdRequired,
+        mode: pay.order?.mode,
         payParams: stablePayParams,
     });
     const chainOrderUsdLimits = useOrderUsdLimits({ trpc });
@@ -253,15 +269,14 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
         // Read from ref instead of closure to get latest value and avoid stale state
         const payParams = currPayParamsRef.current;
         const order = pay.order;
-        // Narrow order to the specific shapes supported by buildCreatePaymentPayload.
-        // In error/idle states `pay.order` can be a plain RozoPayOrder or null,
-        // which is not assignable to the expected OrderLike type.
-        const orderForPayload = order && "org" in order
-            ? order
-            : undefined;
         // If payment already exists (payId mode or rozoPaymentId set), checkout instead of create.
+        // backend forbids `checkout` when rotating to a native source token
+        // (SOL/ETH/XLM) — "create a new order instead" — so route native sources to the
+        // create branch below instead of calling checkout.
         const existingPayId = order?.externalId ?? rozoPaymentId ?? undefined;
-        if (!payParams || existingPayId) {
+        const rotateToNative = walletOption != null && isNativeToken(walletOption.required.token.token);
+        const shouldCheckout = !!existingPayId && !rotateToNative;
+        if (!payParams || shouldCheckout) {
             if (!existingPayId) {
                 throw new Error("No pay params provided");
             }
@@ -270,11 +285,20 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
                 if (!paymentRes?.data) {
                     throw new Error("Failed to fetch payment");
                 }
+                // Use required.amount (base units, already priced by the backend)
+                // converted to a human-readable token amount — NOT required.usd,
+                // which only equals the token amount for 1:1-USD-pegged tokens
+                // (USDC/USDT). For native ETH/BNB/POL/SOL/XLM this would send the
+                // wrong amount to the backend (e.g. "1.00" instead of "0.0005").
+                // Some endpoints return required.amount as an already-human-readable
+                // decimal string instead of integer base units, so detect the shape
+                // first — BigInt() throws on decimal strings.
+                const sourceAmount = tokenBaseAmountToDecimalString(walletOption.required.amount, walletOption.required.token.decimals);
                 const checkoutRes = await checkoutPayment(existingPayId, buildCheckoutPayload(paymentRes.data, {
                     chainId: walletOption.required.token.chainId,
                     tokenSymbol: walletOption.required.token.symbol,
                     tokenAddress: walletOption.required.token.token,
-                    amount: String(walletOption.required.usd),
+                    amount: sourceAmount,
                 }));
                 if (!checkoutRes?.data) {
                     throw new Error("Failed to checkout payment");
@@ -293,6 +317,14 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
             }
         }
         try {
+            // Narrow order to the specific shapes supported by buildCreatePaymentPayload.
+            // In error/idle states `pay.order` can be a plain RozoPayOrder or null,
+            // which lacks `destFinalCallTokenAmount`; passing it through would throw
+            // when we derive the destination amount. Fall back to the payParams-only
+            // branch (order undefined) in that case.
+            const orderForPayload = order && "org" in order
+                ? order
+                : undefined;
             const payload = buildCreatePaymentPayload({
                 payParams,
                 order: orderForPayload,
@@ -333,22 +365,34 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
         if (!validatePaymentRequirements(walletOption, pay.paymentState)) {
             throw new Error(`[PAY TOKEN] required token ${debugJson(required)} does not match fees token ${debugJson(fees)}`);
         }
-        // @NOTE: Fee handled by Rozo API
-        // const paymentAmount = BigInt(required.amount) + BigInt(fees.amount);
-        const paymentAmount = parseUnits(required.usd.toString(), required.token.decimals);
+        // Use required.amount (base units, already priced by the backend) —
+        // NOT required.usd, which only equals the token amount for 1:1-USD-pegged
+        // tokens (USDC/USDT). For native ETH/BNB/POL this would send the wrong
+        // amount (e.g. 1.00 ETH instead of ~0.0006 ETH for a $1 payment).
+        const paymentAmount = tokenAmountToBaseUnits(required.amount, required.token.decimals);
         // Check if we need to create a new Rozo payment (cache this check)
         const previousChainId = pay.order.preferredChainId ? Number(pay.order.preferredChainId) : null;
+        const previousTokenAddress = pay.order.preferredTokenAddress;
         // If we have an existing payment and chain differs, MUST create new payment
         // Also check if order has externalId (existing payment) and we're on different chain
         const hasExistingPayment = pay.order.externalId != null;
+        // Check both chain AND token change - if user switches token on same chain,
+        // we still need to checkout to update source token info
+        const tokenChanged = previousTokenAddress != null &&
+            normalizeTokenAddress(Number(previousChainId), previousTokenAddress) !==
+                normalizeTokenAddress(required.token.chainId, required.token.token);
         const needRozoPayment = (previousChainId !== null && previousChainId !== required.token.chainId) ||
+            tokenChanged ||
             (hasExistingPayment &&
                 previousChainId === null &&
                 pay.order.destFinalCallTokenAmount?.token?.chainId !== required.token.chainId);
-        log?.(`[PAY TOKEN] Chain check: previous=${previousChainId}, current=${required.token.chainId}, hasExistingPayment=${hasExistingPayment}, needRozoPayment=${needRozoPayment}`);
+        log?.(`[PAY TOKEN] Chain/token check: previousChain=${previousChainId}, currentChain=${required.token.chainId}, previousToken=${previousTokenAddress}, currentToken=${required.token.token}, tokenChanged=${tokenChanged}, hasExistingPayment=${hasExistingPayment}, needRozoPayment=${needRozoPayment}`);
         // Prepare transaction parameters early (before async operations)
-        const isNativeToken = required.token.token === zeroAddress;
-        const tokenAddress = isNativeToken ? null : getAddress(required.token.token);
+        // Case-insensitive native detection: `required.token.token` is checksummed
+        // (from the API) while viem's `ethAddress` is lowercase, so a direct `===`
+        // would misclassify native ETH as an ERC20 and take the wrong transfer path.
+        const isNative = isNativeToken(required.token.token);
+        const tokenAddress = isNative ? null : getAddress(required.token.token);
         // Get hydrated order efficiently with parallel preparation
         let hydratedOrder;
         let paymentId;
@@ -445,7 +489,14 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
         // Execute transaction with optimized error handling
         const paymentTxHash = await (async () => {
             try {
-                if (isNativeToken) {
+                if (required.token.chainId !== bscUSDT.chainId) {
+                    await switchChainAsync({ chainId: required.token.chainId });
+                }
+                log?.(`[PAY ERC20] dataSuffix: ${resolvedDataSuffix ?? "(none)"}`);
+                // EIP-5792 path: only when wallet advertises dataSuffix capability (Base App / Coinbase Wallet).
+                const chainCapabilities = walletCapabilities?.[required.token.chainId];
+                const supportsDataSuffix = !capabilitiesPending && resolvedDataSuffix != null && !!chainCapabilities?.dataSuffix;
+                if (isNative) {
                     // dataSuffix intentionally omitted — appending data to bare ETH transfers
                     // changes wallet UI display; builder-code attribution targets contract calls.
                     return await sendTransactionAsync({
@@ -454,13 +505,6 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
                     });
                 }
                 else {
-                    if (required.token.chainId !== bscUSDT.chainId) {
-                        await switchChainAsync({ chainId: required.token.chainId });
-                    }
-                    log?.(`[PAY ERC20] dataSuffix: ${resolvedDataSuffix ?? "(none)"}`);
-                    // EIP-5792 path: only when wallet advertises dataSuffix capability (Base App / Coinbase Wallet).
-                    const chainCapabilities = walletCapabilities?.[required.token.chainId];
-                    const supportsDataSuffix = !capabilitiesPending && resolvedDataSuffix != null && !!chainCapabilities?.dataSuffix;
                     if (supportsDataSuffix) {
                         if (!walletClient)
                             throw new Error("No walletClient available");
@@ -593,11 +637,9 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
                 throw new Error(`Invalid Solana destination address format: ${rozoPayment.destAddress}`);
             }
             // Set up token addresses
-            let mintAddress;
             let fromKey;
             let toKey;
             try {
-                mintAddress = new PublicKey(walletPaymentOption.required.token.token);
                 fromKey = new PublicKey(payerPublicKey);
                 toKey = new PublicKey(rozoPayment.destAddress);
             }
@@ -605,32 +647,77 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
                 throw new Error(`Invalid Solana address format: ${error.message}. ` +
                     `Destination address: ${rozoPayment.destAddress}`);
             }
-            log("[PAY SOLANA] Transaction details:", {
-                tokenMint: mintAddress.toString(),
-                fromKey: fromKey.toString(),
-                toKey: toKey.toString(),
-                amount: walletPaymentOption.required.usd,
-                memo: rozoPayment.memo,
-            });
-            // Get token accounts for sender and recipient
-            log("[PAY SOLANA] Deriving associated token accounts...");
-            const senderTokenAccount = await getAssociatedTokenAddress(mintAddress, fromKey);
-            const recipientTokenAccount = await getAssociatedTokenAddress(mintAddress, toKey);
-            log("[PAY SOLANA] Sender token account:", senderTokenAccount.toString());
-            log("[PAY SOLANA] Recipient token account:", recipientTokenAccount.toString());
-            // Check if recipient token account exists
-            log("[PAY SOLANA] Checking if recipient token account exists...");
-            const recipientTokenInfo = await connection.getAccountInfo(recipientTokenAccount);
-            // Create recipient token account if it doesn't exist
-            if (!recipientTokenInfo) {
-                log("[PAY SOLANA] Creating recipient token account...");
-                instructions.push(createAssociatedTokenAccountInstruction(payerPublicKey, recipientTokenAccount, toKey, mintAddress, TOKEN_PROGRAM_ID));
+            const isNativeSol = walletPaymentOption.required.token.token === solanaSOL.token;
+            if (isNativeSol) {
+                if (!rozoPayment.sourceAmount) {
+                    throw new Error("Source amount is required for native SOL payment");
+                }
+                // Native SOL: plain lamport transfer, no token account / mint involved.
+                // Use required.amount (already computed by the backend in lamports,
+                // correctly priced from USD via the live SOL/USD rate) instead of
+                // re-deriving from required.usd, which would incorrectly treat SOL
+                // as pegged 1:1 to USD.
+                log("[PAY SOLANA] Transaction details (native SOL):", {
+                    fromKey: fromKey.toString(),
+                    toKey: toKey.toString(),
+                    amount: walletPaymentOption.required.amount,
+                    usd: walletPaymentOption.required.usd,
+                    memo: rozoPayment.memo,
+                });
+                // Keep as bigint — SystemProgram.transfer accepts number | bigint.
+                // Converting to Number would lose precision for amounts > 2^53 base units.
+                const lamports = tokenAmountToBaseUnits(walletPaymentOption.required.amount, solanaSOL.decimals);
+                log("[PAY SOLANA] Transfer amount (lamports):", lamports.toString());
+                instructions.push(SystemProgram.transfer({
+                    fromPubkey: fromKey,
+                    toPubkey: toKey,
+                    lamports: parseUnits(rozoPayment.sourceAmount, solanaSOL.decimals),
+                }));
+            }
+            else {
+                let mintAddress;
+                try {
+                    mintAddress = new PublicKey(walletPaymentOption.required.token.token);
+                }
+                catch (error) {
+                    throw new Error(`Invalid Solana address format: ${error.message}. ` +
+                        `Destination address: ${rozoPayment.destAddress}`);
+                }
+                log("[PAY SOLANA] Transaction details:", {
+                    tokenMint: mintAddress.toString(),
+                    fromKey: fromKey.toString(),
+                    toKey: toKey.toString(),
+                    amount: walletPaymentOption.required.amount,
+                    usd: walletPaymentOption.required.usd,
+                    memo: rozoPayment.memo,
+                });
+                // Get token accounts for sender and recipient
+                log("[PAY SOLANA] Deriving associated token accounts...");
+                const senderTokenAccount = await getAssociatedTokenAddress(mintAddress, fromKey);
+                const recipientTokenAccount = await getAssociatedTokenAddress(mintAddress, toKey);
+                log("[PAY SOLANA] Sender token account:", senderTokenAccount.toString());
+                log("[PAY SOLANA] Recipient token account:", recipientTokenAccount.toString());
+                // Check if recipient token account exists
+                log("[PAY SOLANA] Checking if recipient token account exists...");
+                const recipientTokenInfo = await connection.getAccountInfo(recipientTokenAccount);
+                // Create recipient token account if it doesn't exist
+                if (!recipientTokenInfo) {
+                    log("[PAY SOLANA] Creating recipient token account...");
+                    instructions.push(createAssociatedTokenAccountInstruction(payerPublicKey, recipientTokenAccount, toKey, mintAddress, TOKEN_PROGRAM_ID));
+                }
+                // Add transfer instruction
+                // Use required.amount (already computed by the backend in the
+                // token's base units, correctly priced from USD) instead of
+                // re-deriving from required.usd with a hardcoded 6-decimal
+                // assumption, which silently breaks for non-1:1-USD or
+                // differently-decimaled SPL tokens.
+                log("[PAY SOLANA] Adding transfer instruction...");
+                // Keep as bigint — createTransferCheckedInstruction accepts number | bigint.
+                // Converting to Number would lose precision for amounts > 2^53 base units.
+                const transferAmount = tokenAmountToBaseUnits(walletPaymentOption.required.amount, walletPaymentOption.required.token.decimals);
+                log("[PAY SOLANA] Transfer amount (base units):", transferAmount.toString());
+                instructions.push(createTransferCheckedInstruction(senderTokenAccount, mintAddress, recipientTokenAccount, fromKey, transferAmount, walletPaymentOption.required.token.decimals));
             }
-            // Add transfer instruction
-            log("[PAY SOLANA] Adding transfer instruction...");
-            const transferAmount = parseFloat(walletPaymentOption.required.usd.toString()) * 1_000_000;
-            log("[PAY SOLANA] Transfer amount (with decimals):", transferAmount);
-            instructions.push(createTransferCheckedInstruction(senderTokenAccount, mintAddress, recipientTokenAccount, fromKey, transferAmount, rozoSolanaUSDC.decimals));
             // Add memo if provided
             if (rozoPayment.memo) {
                 log("[PAY SOLANA] Adding memo instruction:", rozoPayment.memo);
@@ -693,18 +780,29 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
                 await setStellarWallet(stellarConnector);
             }
             const sourceAccount = await stellarServer.loadAccount(stellarPublicKey);
-            let issuer = "";
-            if (walletPaymentOption.required.token.token === rozoStellarUSDC.token) {
-                issuer = rozoStellarUSDC.token.split(":")[1];
+            let destAsset;
+            if (walletPaymentOption.required.token.token === stellarXLM.token) {
+                destAsset = Asset.native();
+            }
+            else if (walletPaymentOption.required.token.token === rozoStellarUSDC.token) {
+                destAsset = new Asset(walletPaymentOption.required.token.symbol, rozoStellarUSDC.token.split(":")[1]);
             }
             else if (walletPaymentOption.required.token.token === rozoStellarEURC.token) {
-                issuer = rozoStellarEURC.token.split(":")[1];
+                destAsset = new Asset(walletPaymentOption.required.token.symbol, rozoStellarEURC.token.split(":")[1]);
             }
             else {
                 throw new Error("Unsupported token");
             }
-            const destAsset = new Asset(walletPaymentOption.required.token.symbol, issuer);
             const fee = String(await stellarServer.fetchBaseFee());
+            // Use required.amount (base units, already priced by the backend)
+            // converted to a human-readable token amount — NOT required.usd,
+            // which only equals the token amount for 1:1-USD-pegged tokens
+            // (USDC/EURC). For native XLM this would send the wrong amount
+            // (e.g. "1.00" XLM instead of the correct ~2.7 XLM for a $1 payment).
+            // Some endpoints return required.amount as an already-human-readable
+            // decimal string instead of integer base units, so detect the shape
+            // first — BigInt() throws on decimal strings.
+            const paymentAmount = tokenBaseAmountToDecimalString(walletPaymentOption.required.amount, walletPaymentOption.required.token.decimals);
             // Build transaction
             const transaction = new TransactionBuilder(sourceAccount, {
                 fee,
@@ -713,7 +811,7 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
                 .addOperation(Operation.payment({
                 destination: destinationAddress,
                 asset: destAsset,
-                amount: String(walletPaymentOption.required.usd),
+                amount: paymentAmount,
             }))
                 .setTimeout(180);
             if (rozoPayment.memo) {
@@ -788,17 +886,29 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
             }
             else {
                 log?.("[PAY DEPOSIT ADDRESS] hydrating order");
+                // hydrateOrder needs required.amount so buildCreatePaymentPayload
+                // can set preferredAmountUnits. For BOTH native (SOL/ETH/XLM) and
+                // 1:1-USD-pegged sources, the amount must come from the fee response
+                // (BE-computed source amount in source units, fee-inclusive) — NOT the
+                // destination USD value. Otherwise tokenBaseAmountToDecimalString
+                // formats the toUnits through the source decimals and the BE rejects
+                // the underflowing pay-in (e.g. "10" with 6 decimals → "0.00001").
+                const isNativeSource = isNativeToken(option.token.token);
+                const sourceAmountUnits = String(fees?.source?.amount ??
+                    (isNativeSource ? "" : (pay.order?.destFinalCallTokenAmount?.usd ?? "0")));
+                if (isNativeSource && sourceAmountUnits === "") {
+                    throw new Error("Fee source amount required for native token deposit");
+                }
+                const actualFeeType = payParams?.feeType ?? FeeType.ExactIn;
                 const result = await pay.hydrateOrder(undefined, {
                     required: {
-                        token: {
-                            token: option.token.token,
-                            chainId: option.token.chainId,
-                        },
+                        amount: sourceAmountUnits,
+                        token: option.token,
                     },
                     fees: {
                         usd: fees?.source?.fee != null ? parseFloat(fees.source.fee) : 0,
                     },
-                });
+                }, actualFeeType);
                 order = result.order;
             }
             log?.(`[PAY DEPOSIT ADDRESS] hydrated order ${order.id} for ${order.usdValue} USD, checking out with deposit address: ${option}`);
@@ -815,12 +925,23 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
             if (!preferredToken) {
                 throw new Error("Preferred token not found");
             }
+            // Amount the user must send, in source-token units. Prefer the backend's
+            // source.amount (surfaced via metadata by formatPaymentResponseToHydratedOrder)
+            // over usdValue: for native sources (SOL/ETH/XLM) the source amount differs
+            // from the USD/destination value, so usdValue would show e.g. "1.3 SOL"
+            // instead of the correct ~0.0169 SOL. For 1:1-USD sources they coincide.
+            const isNativeDepositSource = isNativeToken(option.token.token);
+            const metaSourceAmount = order.metadata?.sourceAmountUnits;
+            if (isNativeDepositSource && metaSourceAmount == null) {
+                throw new Error("sourceAmountUnits missing on hydrated order for native deposit source");
+            }
+            const sourceAmountUnits = metaSourceAmount != null ? String(metaSourceAmount) : String(order.usdValue);
             let uriDeeplink = null;
             // Use Solana deep link if it's a Solana chain.
             // Solana pay-in no longer requires a memo.
             if ([solana.chainId, rozoSolana.chainId].includes(preferredToken.chainId)) {
                 uriDeeplink = generateSolanaDeepLink({
-                    amountUnits: order.destFinalCallTokenAmount.usd.toString(),
+                    amountUnits: sourceAmountUnits,
                     recipientAddress: order.intentAddr,
                     tokenAddress: preferredToken.token,
                 });
@@ -832,7 +953,7 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
             // Otherwise use EVM deep link
             else {
                 uriDeeplink = generateEVMDeepLink({
-                    amountUnits: parseUnits(order.destFinalCallTokenAmount.usd.toString(), preferredToken.decimals).toString(),
+                    amountUnits: parseUnits(sourceAmountUnits, preferredToken.decimals).toString(),
                     chainId: preferredToken.chainId,
                     recipientAddress: order.intentAddr,
                     tokenAddress: preferredToken.token,
@@ -840,7 +961,7 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
             }
             return {
                 address: order.intentAddr,
-                amount: String(order.usdValue),
+                amount: sourceAmountUnits,
                 suffix: `${option.token.symbol} ${chain.name}`,
                 uri: uriDeeplink ?? "",
                 expirationS: Math.floor(Date.now() / 1000) + 300,
@@ -855,7 +976,7 @@ function usePaymentState({ trpc, lockPayParams, setRoute, log, redirectReturnUrl
                 order: pay.order,
                 message,
             });
-            return null;
+            return undefined;
         }
         finally {
             // Remove from processing set when done (allow retries after completion/failure)