starkfi 0.4.4 → 0.6.0

package/MCP.md

@@ -21,7 +21,7 @@ To integrate StarkFi into your AI environment, configure your MCP client setting
 
 ## Tool Registry
 
-Upon initialization, the StarkFi server dynamically provisions **27 tool schemas** to the connected AI client. Tools are organized into domain-specific registration modules (`src/mcp/tools/`): **auth** (2), **wallet** (5), **trade** (5), **staking** (8), and **lending** (7).
+Upon initialization, the StarkFi server dynamically provisions **42 tool schemas** to the connected AI client. Tools are organized into domain-specific registration modules (`src/mcp/tools/`): **auth** (2), **wallet** (6), **trade** (5), **staking** (8), **lending** (10), **dca** (4), and **confidential** (7).
 
 ---
 
@@ -59,21 +59,23 @@ _No input parameters required._
 
 #### `get_swap_quote`
 
-Calculates optimal routing, expected output, and slippage prior to execution. Always call this **before** `swap_tokens` so the user can review the expected output.
+Calculates swap routing via Fibrous (default). Returns the expected output amount and quote details. Optionally specify a different provider or use `auto` to race all providers for best price. Always call this **before** `swap_tokens` so the user can review the expected output.
 
 | Parameter    | Type   | Required | Description                                          |
 | ------------ | ------ | -------- | ---------------------------------------------------- |
 | `amount`     | string | **Yes**  | Amount to swap (e.g. `0.1`, `100`)                   |
 | `from_token` | string | **Yes**  | Source token symbol to sell (e.g. `ETH`, `USDC`)     |
 | `to_token`   | string | **Yes**  | Destination token symbol to buy (e.g. `STRK`, `DAI`) |
+| `provider`   | string | No       | Swap provider: `fibrous` (default), `avnu`, `ekubo`, or `auto` (race all). |
 
 #### `get_multi_swap_quote`
 
-Calculates optimal batch routing for 2-3 swap pairs at once. Uses Fibrous `routeBatch` API when all pairs share the same output token, otherwise falls back to parallel individual routes.
+Calculates routing for 2-3 swap pairs at once. Each pair uses Fibrous by default, or specify a different provider.
 
-| Parameter | Type                                                    | Required | Description                     |
-| --------- | ------------------------------------------------------- | -------- | ------------------------------- |
-| `swaps`   | array of `{ amount, from_token, to_token }` (2-3 items) | **Yes**  | Array of swap pairs (2-3 items) |
+| Parameter  | Type                                                    | Required | Description                     |
+| ---------- | ------------------------------------------------------- | -------- | ------------------------------- |
+| `swaps`    | array of `{ amount, from_token, to_token }` (2-3 items) | **Yes**  | Array of swap pairs (2-3 items) |
+| `provider` | string                                                  | No       | Swap provider: `fibrous` (default), `avnu`, `ekubo`, or `auto` (race all per pair). |
 
 #### `list_validators`
 
@@ -107,7 +109,7 @@ Generates a consolidated staking dashboard across validators. Accepts an optiona
 
 #### `list_lending_pools`
 
-Enumerates active Vesu V2 lending pools with live data from the Vesu API — assets (with APY/APR), supported pairs, protocol version, and deprecation status.
+Enumerates active Vesu V2 lending pools — assets (with APY/APR), supported pairs, and pool addresses.
 
 | Parameter | Type   | Required | Description                                             |
 | --------- | ------ | -------- | ------------------------------------------------------- |
@@ -123,6 +125,137 @@ Retrieves the user's supplied yield, outstanding debt, Health Factor, and Risk L
 | `collateral_token` | string | **Yes**  | Collateral token symbol (e.g. `ETH`, `STRK`)                                |
 | `borrow_token`     | string | No       | Borrow token symbol (e.g. `USDC`, `USDT`). Optional for supply-only checks. |
 
+#### `lending_quote_health`
+
+Simulates the impact of a lending action (borrow, repay, deposit, withdraw) on position health factor **without executing**. Returns current and projected health.
+
+| Parameter          | Type   | Required | Description                                                   |
+| ------------------ | ------ | -------- | ------------------------------------------------------------- |
+| `pool`             | string | **Yes**  | Pool name (e.g. `Prime`, `Re7`) or contract address (`0x...`) |
+| `collateral_token` | string | **Yes**  | Collateral token symbol (e.g. `ETH`, `STRK`)                  |
+| `debt_token`       | string | **Yes**  | Debt token symbol (e.g. `USDC`, `USDT`)                       |
+| `action`           | enum   | **Yes**  | Action to simulate: `borrow`, `repay`, `deposit`, `withdraw`  |
+| `amount`           | string | **Yes**  | Amount for the action (e.g. `100`, `0.5`)                     |
+
+---
+
+### DCA (Dollar-Cost Averaging) Tools
+
+#### `dca_preview`
+
+Previews a single DCA cycle by estimating the swap output for one execution. Always call this **before** `dca_create` so the user can review the expected output per cycle.
+
+| Parameter       | Type   | Required | Description                                               |
+| --------------- | ------ | -------- | --------------------------------------------------------- |
+| `sell_token`    | string | **Yes**  | Token to sell (e.g. `USDC`, `ETH`)                        |
+| `buy_token`     | string | **Yes**  | Token to buy (e.g. `STRK`, `ETH`)                         |
+| `amount`        | string | **Yes**  | Amount to sell per cycle (e.g. `10`, `100`)                |
+| `provider`      | string | No       | DCA provider: `avnu` (default) or `ekubo`                 |
+
+#### `dca_create`
+
+Creates a recurring DCA order that automatically executes swaps at regular intervals. Only call this **after** previewing with `dca_preview`.
+
+| Parameter        | Type    | Required | Description                                               |
+| ---------------- | ------- | -------- | --------------------------------------------------------- |
+| `sell_token`     | string  | **Yes**  | Token to sell (e.g. `USDC`, `ETH`)                        |
+| `buy_token`      | string  | **Yes**  | Token to buy (e.g. `STRK`, `ETH`)                         |
+| `amount`         | string  | **Yes**  | Total amount to sell across all cycles                     |
+| `amount_per_cycle` | string | **Yes** | Amount sold per cycle (e.g. `10`)                         |
+| `frequency`      | string  | No       | ISO 8601 duration (default: `P1D`). E.g. `PT12H`, `P1W`  |
+| `provider`       | string  | No       | DCA provider: `avnu` (default) or `ekubo`                 |
+| `simulate`       | boolean | No       | Set `true` to estimate fees without sending a transaction |
+
+#### `dca_list`
+
+Lists the user's DCA orders with optional filtering by status and provider.
+
+| Parameter  | Type   | Required | Description                                                |
+| ---------- | ------ | -------- | ---------------------------------------------------------- |
+| `status`   | string | No       | Filter by status: `ACTIVE`, `CLOSED`, or `INDEXING`        |
+| `provider` | string | No       | Filter by provider: `avnu` or `ekubo`                      |
+| `page`     | number | No       | Page number for pagination (default: `0`)                  |
+
+#### `dca_cancel`
+
+Cancels an active DCA order. Requires either the order ID or order address.
+
+| Parameter       | Type    | Required | Description                                               |
+| --------------- | ------- | -------- | --------------------------------------------------------- |
+| `order_id`      | string  | No*      | DCA order ID (from `dca_list`)                            |
+| `order_address` | string  | No*      | DCA order contract address (`0x...`)                      |
+| `provider`      | string  | No       | DCA provider: `avnu` or `ekubo`                           |
+
+\*At least one of `order_id` or `order_address` is required.
+
+---
+
+### Confidential Transfer Tools (Tongo Cash)
+
+Privacy-preserving transfers using ZK proofs via Tongo. Amounts are hidden on-chain; recipients are identified by elliptic curve public keys (x, y), not Starknet addresses.
+
+#### `confidential_setup`
+
+Configures Tongo Cash credentials. The private key is stored locally and never sent to the network. Must be called before any other confidential operations.
+
+| Parameter          | Type   | Required | Description                                            |
+| ------------------ | ------ | -------- | ------------------------------------------------------ |
+| `tongo_key`        | string | **Yes**  | Tongo private key (kept locally, never sent to network) |
+| `contract_address` | string | **Yes**  | Tongo contract address on Starknet (`0x…`)             |
+
+#### `confidential_balance`
+
+Returns the confidential account state: active balance, pending balance, nonce, and Tongo address. Call this before fund/transfer/withdraw to verify state.
+
+_No input parameters required._
+
+#### `confidential_fund`
+
+Funds the confidential account by converting public ERC-20 tokens into private confidential balance.
+
+| Parameter  | Type    | Required | Description                                               |
+| ---------- | ------- | -------- | --------------------------------------------------------- |
+| `amount`   | string  | **Yes**  | Amount to fund (e.g. `100`)                               |
+| `token`    | string  | No       | Token symbol (default: `USDC`)                            |
+| `simulate` | boolean | No       | Set `true` to estimate fees without sending a transaction |
+
+#### `confidential_transfer`
+
+Transfers tokens confidentially to another Tongo account. Generates ZK proofs locally and submits on-chain. Recipient is identified by elliptic curve point (x, y), NOT a Starknet address.
+
+| Parameter     | Type    | Required | Description                                               |
+| ------------- | ------- | -------- | --------------------------------------------------------- |
+| `amount`      | string  | **Yes**  | Amount to transfer                                         |
+| `recipient_x` | string  | **Yes**  | Recipient public key X coordinate (BigNumberish)          |
+| `recipient_y` | string  | **Yes**  | Recipient public key Y coordinate (BigNumberish)          |
+| `token`       | string  | No       | Token symbol (default: `USDC`)                            |
+| `simulate`    | boolean | No       | Set `true` to estimate fees without sending a transaction |
+
+#### `confidential_withdraw`
+
+Withdraws from confidential account to a public Starknet address. Converts private balance back to public ERC-20 tokens.
+
+| Parameter  | Type    | Required | Description                                               |
+| ---------- | ------- | -------- | --------------------------------------------------------- |
+| `amount`   | string  | **Yes**  | Amount to withdraw                                         |
+| `to`       | string  | No       | Recipient Starknet address (default: own wallet)          |
+| `token`    | string  | No       | Token symbol (default: `USDC`)                            |
+| `simulate` | boolean | No       | Set `true` to estimate fees without sending a transaction |
+
+#### `confidential_ragequit`
+
+Emergency exit — withdraws the entire confidential balance to a public address. Use when you need to exit immediately.
+
+| Parameter | Type   | Required | Description                                      |
+| --------- | ------ | -------- | ------------------------------------------------ |
+| `to`      | string | No       | Recipient Starknet address (default: own wallet) |
+
+#### `confidential_rollover`
+
+Activates pending confidential balance. Received transfers start as "pending" and must be rolled over to become spendable.
+
+_No input parameters required._
+
 ---
 
 ### Transactional Tools
@@ -137,7 +270,7 @@ _No input parameters required._
 
 #### `swap_tokens`
 
-Broadcasts an aggregated token swap transaction via the Fibrous router. Only call this **after** showing the user a quote via `get_swap_quote`.
+Broadcasts a token swap transaction via Fibrous (default) or a specified provider. Only call this **after** showing the user a quote via `get_swap_quote`.
 
 | Parameter    | Type    | Required | Description                                               |
 | ------------ | ------- | -------- | --------------------------------------------------------- |
@@ -145,6 +278,7 @@ Broadcasts an aggregated token swap transaction via the Fibrous router. Only cal
 | `from_token` | string  | **Yes**  | Source token symbol to sell (e.g. `ETH`, `STRK`)          |
 | `to_token`   | string  | **Yes**  | Destination token symbol to buy (e.g. `USDC`, `DAI`)      |
 | `slippage`   | number  | No       | Slippage tolerance in % (default: `1`)                    |
+| `provider`   | string  | No       | Swap provider: `fibrous` (default), `avnu`, `ekubo`, or `auto` (race all). |
 | `simulate`   | boolean | No       | Set `true` to estimate fees without sending a transaction |
 
 #### `send_tokens`
@@ -160,21 +294,22 @@ Broadcasts a standard token transfer transaction for STRK, ETH, or ERC-20 assets
 
 #### `multi_swap`
 
-Executes 2-3 token swaps in a single transaction via Fibrous batch routing. Call `get_multi_swap_quote` first to preview.
+Executes 2-3 token swaps in a single transaction. Each pair uses Fibrous by default. Call `get_multi_swap_quote` first to preview.
 
 | Parameter  | Type                                                    | Required | Description                                   |
 | ---------- | ------------------------------------------------------- | -------- | --------------------------------------------- |
 | `swaps`    | array of `{ amount, from_token, to_token }` (2-3 items) | **Yes**  | Array of swap pairs (2-3 items)               |
 | `slippage` | number                                                  | No       | Slippage tolerance in % (default: `1`)        |
+| `provider` | string                                                  | No       | Swap provider: `fibrous` (default), `avnu`, `ekubo`, or `auto` (race all per pair). |
 | `simulate` | boolean                                                 | No       | Set `true` to estimate fees without executing |
 
 #### `batch_execute`
 
-Executes multiple DeFi operations (swap, stake, supply, send) in a single Starknet multicall. Minimum 2 operations.
+Executes multiple DeFi operations (swap, stake, supply, send, borrow, repay, withdraw, dca-create, dca-cancel) in a single Starknet multicall. Minimum 2 operations.
 
 | Parameter    | Type                                      | Required | Description                                                                                                                                                                                                                                                  |
 | ------------ | ----------------------------------------- | -------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
-| `operations` | array of `{ type, params }` (min 2 items) | **Yes**  | Each operation has a `type` (`swap`, `stake`, `supply`, `send`) and a `params` record. **swap**: `{amount, from_token, to_token}`. **stake**: `{amount, token?, pool? or validator?}`. **supply**: `{amount, token, pool}`. **send**: `{amount, token, to}`. |
+| `operations` | array of `{ type, params }` (min 2 items) | **Yes**  | Each operation has a `type` (`swap`, `stake`, `supply`, `send`, `borrow`, `repay`, `withdraw`, `dca-create`, `dca-cancel`) and a `params` record. **swap**: `{amount, from_token, to_token}`. **stake**: `{amount, token?, pool? or validator?}`. **supply**: `{amount, token, pool}`. **send**: `{amount, token, to}`. **borrow**: `{collateral_amount, collateral_token, borrow_amount, borrow_token, pool}`. **repay**: `{amount, token, collateral_token, pool}`. **withdraw**: `{amount, token, pool}`. **dca-create**: `{sell_token, buy_token, sell_amount, amount_per_cycle, frequency?, provider?}`. **dca-cancel**: `{order_id?, order_address?, provider?}`. |
 | `simulate`   | boolean                                   | No       | Set `true` to estimate fees without executing                                                                                                                                                                                                                |
 
 #### `stake_tokens`
@@ -216,13 +351,14 @@ Atomically claims staking rewards and re-stakes them into the same pool in a sin
 
 #### `supply_assets`
 
-Deposits specified assets into a Vesu V2 pool to generate yield. The tokens are deposited into the pool's ERC-4626 vToken vault.
+Deposits specified assets into a Vesu V2 pool to generate yield.
 
 | Parameter | Type   | Required | Description                                                   |
 | --------- | ------ | -------- | ------------------------------------------------------------- |
-| `pool`    | string | **Yes**  | Pool name (e.g. `Prime`, `Re7`) or contract address (`0x...`) |
-| `amount`  | string | **Yes**  | Amount to supply (e.g. `100`, `0.5`)                          |
-| `token`   | string | **Yes**  | Token symbol to supply (e.g. `STRK`, `ETH`, `USDC`)           |
+| `pool`    | string  | **Yes**  | Pool name (e.g. `Prime`, `Re7`) or contract address (`0x...`) |
+| `amount`  | string  | **Yes**  | Amount to supply (e.g. `100`, `0.5`)                          |
+| `token`   | string  | **Yes**  | Token symbol to supply (e.g. `STRK`, `ETH`, `USDC`)           |
+| `simulate`| boolean | No       | Set `true` to estimate fees without sending a transaction     |
 
 #### `withdraw_assets`
 
@@ -230,13 +366,14 @@ Redeems supplied assets from a Vesu V2 lending pool.
 
 | Parameter | Type   | Required | Description                                                   |
 | --------- | ------ | -------- | ------------------------------------------------------------- |
-| `pool`    | string | **Yes**  | Pool name (e.g. `Prime`, `Re7`) or contract address (`0x...`) |
-| `amount`  | string | **Yes**  | Amount to withdraw (e.g. `100`, `0.5`)                        |
-| `token`   | string | **Yes**  | Token symbol to withdraw (e.g. `STRK`, `ETH`, `USDC`)         |
+| `pool`    | string  | **Yes**  | Pool name (e.g. `Prime`, `Re7`) or contract address (`0x...`) |
+| `amount`  | string  | **Yes**  | Amount to withdraw (e.g. `100`, `0.5`)                        |
+| `token`   | string  | **Yes**  | Token symbol to withdraw (e.g. `STRK`, `ETH`, `USDC`)         |
+| `simulate`| boolean | No       | Set `true` to estimate fees without sending a transaction     |
 
 #### `borrow_assets`
 
-Executes an atomic collateral deposit and subsequent asset borrow against a Vesu V2 pool. Supports using previously supplied vTokens as collateral.
+Executes an atomic collateral deposit and subsequent asset borrow against a Vesu V2 pool. Supports using previously supplied earn positions as collateral.
 
 | Parameter           | Type    | Required | Description                                                               |
 | ------------------- | ------- | -------- | ------------------------------------------------------------------------- |
@@ -245,7 +382,8 @@ Executes an atomic collateral deposit and subsequent asset borrow against a Vesu
 | `collateral_token`  | string  | **Yes**  | Collateral token symbol (e.g. `STRK`, `ETH`)                              |
 | `borrow_amount`     | string  | **Yes**  | Amount to borrow (e.g. `100`)                                             |
 | `borrow_token`      | string  | **Yes**  | Token to borrow (e.g. `USDC`, `USDT`)                                     |
-| `use_supplied`      | boolean | No       | Set `true` to use previously supplied vTokens as collateral via multicall |
+| `use_supplied`      | boolean | No       | Set `true` to use previously supplied earn position as collateral via multicall |
+| `simulate`          | boolean | No       | Set `true` to estimate fees without sending a transaction                 |
 
 #### `repay_debt`
 
@@ -256,7 +394,8 @@ Processes the repayment of borrowed assets against an existing Vesu V2 position.
 | `pool`             | string | **Yes**  | Pool name (e.g. `Prime`, `Re7`) or contract address (`0x...`)                           |
 | `amount`           | string | **Yes**  | Amount to repay (e.g. `50`, `100`)                                                      |
 | `token`            | string | **Yes**  | Token to repay (e.g. `USDC`, `USDT`)                                                    |
-| `collateral_token` | string | **Yes**  | Collateral token of the position (e.g. `ETH`, `STRK`). Needed to identify the position. |
+| `collateral_token` | string  | **Yes**  | Collateral token of the position (e.g. `ETH`, `STRK`). Needed to identify the position. |
+| `simulate`         | boolean | No       | Set `true` to estimate fees without sending a transaction                               |
 
 #### `close_position`
 
@@ -265,8 +404,43 @@ Atomically closes an active Vesu V2 lending position. Repays all outstanding deb
 | Parameter          | Type   | Required | Description                                                   |
 | ------------------ | ------ | -------- | ------------------------------------------------------------- |
 | `pool`             | string | **Yes**  | Pool name (e.g. `Prime`, `Re7`) or contract address (`0x...`) |
-| `collateral_token` | string | **Yes**  | Collateral token symbol of the position (e.g. `STRK`, `ETH`)  |
-| `debt_token`       | string | **Yes**  | Borrowed token symbol of the position (e.g. `USDC`, `USDT`)   |
+| `collateral_token` | string  | **Yes**  | Collateral token symbol of the position (e.g. `STRK`, `ETH`)  |
+| `debt_token`       | string  | **Yes**  | Borrowed token symbol of the position (e.g. `USDC`, `USDT`)   |
+| `simulate`         | boolean | No       | Set `true` to estimate fees without sending a transaction     |
+
+#### `monitor_lending_position`
+
+Monitors health factors across lending positions. Returns alerts and actionable recommendations when health factor drops below configurable thresholds.
+
+| Parameter           | Type   | Required | Description                                                                      |
+| ------------------- | ------ | -------- | -------------------------------------------------------------------------------- |
+| `pool`              | string | No       | Pool name or address. Omit to scan all pools for active borrow positions.         |
+| `collateral_token`  | string | No       | Collateral token symbol. Required when specifying a pool.                         |
+| `borrow_token`      | string | No       | Debt token symbol. Required when specifying a pool.                               |
+| `warning_threshold` | number | No       | Custom warning threshold (default: `1.3`).                                        |
+
+#### `auto_rebalance_lending`
+
+Automatically adjusts a lending position to restore health factor via debt repayment or additional collateral. Supports simulation mode.
+
+| Parameter              | Type    | Required | Description                                                              |
+| ---------------------- | ------- | -------- | ------------------------------------------------------------------------ |
+| `pool`                 | string  | **Yes**  | Pool name or address                                                     |
+| `collateral_token`     | string  | **Yes**  | Collateral token symbol                                                  |
+| `borrow_token`         | string  | **Yes**  | Debt token symbol                                                        |
+| `strategy`             | enum    | No       | `repay`, `add-collateral`, or `auto` (default: `auto`)                   |
+| `target_health_factor` | number  | No       | Target health factor (default: `1.3`)                                    |
+| `simulate`             | boolean | No       | Set `true` to preview adjustment without executing                       |
+
+#### `rebalance_portfolio`
+
+Rebalances a portfolio to match a target allocation. Calculates optimal swaps and executes as a single batch transaction via Fibrous (default).
+
+| Parameter   | Type    | Required | Description                                                       |
+| ----------- | ------- | -------- | ----------------------------------------------------------------- |
+| `target`    | string  | **Yes**  | Target allocation, e.g. `"50 ETH, 30 USDC, 20 STRK"`             |
+| `slippage`  | number  | No       | Slippage tolerance % (default: `1`)                               |
+| `simulate`  | boolean | No       | Set `true` to preview plan without executing                      |
 
 ---
 
@@ -274,19 +448,22 @@ Atomically closes an active Vesu V2 lending position. Repays all outstanding deb
 
 #### `config_action`
 
-Views and modifies global CLI behavior: RPC routing, network selection, and Gas Abstraction.
+Views and modifies global CLI behavior: RPC routing, network selection, and Gas Abstraction. Network changes take effect immediately — no re-authentication required.
 
 | Parameter | Type   | Required | Description                                                                                                                               |
 | --------- | ------ | -------- | ----------------------------------------------------------------------------------------------------------------------------------------- |
 | `action`  | enum   | **Yes**  | One of: `list`, `reset`, `set-rpc`, `get-rpc`, `set-network`, `set-gasfree`, `set-gas-token`                                                 |
-| `value`   | string | No       | `set-gasfree`: `on`/`off`. `set-gas-token`: symbol (`USDC`, `ETH`) or `reset`/`off`. `set-rpc`: URL string. `set-network`: `mainnet`/`sepolia`. |
+| `value`   | string | No       | `set-gasfree`: `on`/`off`. `set-gas-token`: symbol (`USDC`, `ETH`) or `reset`/`off`. `set-rpc`: URL string. `set-network`: `mainnet`/`sepolia` (instant switch, overrides session). |
 
 ---
 
 ## Agent Best Practices
 
-1. **Always quote before executing** — Call `get_swap_quote` before `swap_tokens`, and `get_multi_swap_quote` before `multi_swap`
+1. **Always quote before executing** — Call `get_swap_quote` before `swap_tokens`, `get_multi_swap_quote` before `multi_swap`, and `dca_preview` before `dca_create`
 2. **Use simulation for transparency** — Set `simulate: true` on any transactional tool to preview fees before executing
 3. **Confirm with the user** — Never execute a transactional tool without explicit user confirmation
 4. **Use `get_auth_status` first** — Verify the session is active before attempting any wallet operations
-5. **Check `get_stake_status` and `get_lending_position`** — Query existing positions before staking/lending to avoid duplicate operations
+5. **Check existing positions** — Query `get_stake_status`, `get_lending_position`, and `dca_list` before creating new positions to avoid duplicates
+6. **Network awareness** — Use `config_action` with `set-network` to switch between `mainnet` and `sepolia`. Lending, staking, batch, portfolio, and wallet tools are fully network-aware. Swap tools (`swap_tokens`, `multi_swap`, `rebalance_portfolio`) are mainnet-only
+7. **DCA lifecycle** — Always preview with `dca_preview` first, list existing orders with `dca_list` to avoid duplicates, and confirm cancellation before calling `dca_cancel`
+8. **Confidential lifecycle** — Always call `confidential_setup` and `confidential_balance` before transactional operations. After receiving a transfer, remind the user to `confidential_rollover` to activate pending balance