Moved payment data preparation into providers

Reviewed-on: #165

api/gateway/chain/client/client.go

@@ -24,6 +24,8 @@ type Client interface {
 	GetTransfer(ctx context.Context, req *chainv1.GetTransferRequest) (*chainv1.GetTransferResponse, error)
 	ListTransfers(ctx context.Context, req *chainv1.ListTransfersRequest) (*chainv1.ListTransfersResponse, error)
 	EstimateTransferFee(ctx context.Context, req *chainv1.EstimateTransferFeeRequest) (*chainv1.EstimateTransferFeeResponse, error)
+	ComputeGasTopUp(ctx context.Context, req *chainv1.ComputeGasTopUpRequest) (*chainv1.ComputeGasTopUpResponse, error)
+	EnsureGasTopUp(ctx context.Context, req *chainv1.EnsureGasTopUpRequest) (*chainv1.EnsureGasTopUpResponse, error)
 	Close() error
 }
 
@@ -36,6 +38,8 @@ type grpcGatewayClient interface {
 	GetTransfer(ctx context.Context, in *chainv1.GetTransferRequest, opts ...grpc.CallOption) (*chainv1.GetTransferResponse, error)
 	ListTransfers(ctx context.Context, in *chainv1.ListTransfersRequest, opts ...grpc.CallOption) (*chainv1.ListTransfersResponse, error)
 	EstimateTransferFee(ctx context.Context, in *chainv1.EstimateTransferFeeRequest, opts ...grpc.CallOption) (*chainv1.EstimateTransferFeeResponse, error)
+	ComputeGasTopUp(ctx context.Context, in *chainv1.ComputeGasTopUpRequest, opts ...grpc.CallOption) (*chainv1.ComputeGasTopUpResponse, error)
+	EnsureGasTopUp(ctx context.Context, in *chainv1.EnsureGasTopUpRequest, opts ...grpc.CallOption) (*chainv1.EnsureGasTopUpResponse, error)
 }
 
 type chainGatewayClient struct {
@@ -139,6 +143,18 @@ func (c *chainGatewayClient) EstimateTransferFee(ctx context.Context, req *chain
 	return c.client.EstimateTransferFee(ctx, req)
 }
 
+func (c *chainGatewayClient) ComputeGasTopUp(ctx context.Context, req *chainv1.ComputeGasTopUpRequest) (*chainv1.ComputeGasTopUpResponse, error) {
+	ctx, cancel := c.callContext(ctx)
+	defer cancel()
+	return c.client.ComputeGasTopUp(ctx, req)
+}
+
+func (c *chainGatewayClient) EnsureGasTopUp(ctx context.Context, req *chainv1.EnsureGasTopUpRequest) (*chainv1.EnsureGasTopUpResponse, error) {
+	ctx, cancel := c.callContext(ctx)
+	defer cancel()
+	return c.client.EnsureGasTopUp(ctx, req)
+}
+
 func (c *chainGatewayClient) callContext(ctx context.Context) (context.Context, context.CancelFunc) {
 	timeout := c.cfg.CallTimeout
 	if timeout <= 0 {

api/gateway/chain/client/fake.go

@@ -16,6 +16,8 @@ type Fake struct {
 	GetTransferFn         func(ctx context.Context, req *chainv1.GetTransferRequest) (*chainv1.GetTransferResponse, error)
 	ListTransfersFn       func(ctx context.Context, req *chainv1.ListTransfersRequest) (*chainv1.ListTransfersResponse, error)
 	EstimateTransferFeeFn func(ctx context.Context, req *chainv1.EstimateTransferFeeRequest) (*chainv1.EstimateTransferFeeResponse, error)
+	ComputeGasTopUpFn     func(ctx context.Context, req *chainv1.ComputeGasTopUpRequest) (*chainv1.ComputeGasTopUpResponse, error)
+	EnsureGasTopUpFn      func(ctx context.Context, req *chainv1.EnsureGasTopUpRequest) (*chainv1.EnsureGasTopUpResponse, error)
 	CloseFn               func() error
 }
 
@@ -75,6 +77,20 @@ func (f *Fake) EstimateTransferFee(ctx context.Context, req *chainv1.EstimateTra
 	return &chainv1.EstimateTransferFeeResponse{}, nil
 }
 
+func (f *Fake) ComputeGasTopUp(ctx context.Context, req *chainv1.ComputeGasTopUpRequest) (*chainv1.ComputeGasTopUpResponse, error) {
+	if f.ComputeGasTopUpFn != nil {
+		return f.ComputeGasTopUpFn(ctx, req)
+	}
+	return &chainv1.ComputeGasTopUpResponse{}, nil
+}
+
+func (f *Fake) EnsureGasTopUp(ctx context.Context, req *chainv1.EnsureGasTopUpRequest) (*chainv1.EnsureGasTopUpResponse, error) {
+	if f.EnsureGasTopUpFn != nil {
+		return f.EnsureGasTopUpFn(ctx, req)
+	}
+	return &chainv1.EnsureGasTopUpResponse{}, nil
+}
+
 func (f *Fake) Close() error {
 	if f.CloseFn != nil {
 		return f.CloseFn()

api/gateway/chain/config.yml

@@ -38,6 +38,11 @@ chains:
     chain_id: 728126428 # 0x2b6653dc
     native_token: TRX
     rpc_url_env: CHAIN_GATEWAY_RPC_URL
+    gas_topup_policy:
+      buffer_percent: 0.10
+      min_native_balance_trx: 10
+      rounding_unit_trx: 1
+      max_topup_trx: 100
     tokens:
       - symbol: USDT
         contract: "0xa614f803b6fd780986a42c78ec9c7f77e6ded13c"

api/gateway/chain/go.mod

@@ -22,7 +22,7 @@ require (
 
 require (
 	github.com/Microsoft/go-winio v0.6.2 // indirect
-	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251223223124-03e3cef63e04 // indirect
+	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251225023818-8886bb81c549 // indirect
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bits-and-blooms/bitset v1.24.4 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect

api/gateway/chain/go.sum

@@ -6,8 +6,8 @@ github.com/DataDog/zstd v1.4.5 h1:EndNeuB0l9syBZhut0wns3gV1hL8zX8LIu6ZiVHWLIQ=
 github.com/DataDog/zstd v1.4.5/go.mod h1:1jcaCB/ufaK+sKp1NBhlGmpz41jOoPQ35bpF36t7BBo=
 github.com/Microsoft/go-winio v0.6.2 h1:F2VQgta7ecxGYO8k3ZZz3RS8fVIXVxONVUPlNERoyfY=
 github.com/Microsoft/go-winio v0.6.2/go.mod h1:yd8OoFMLzJbo9gZq8j5qaps8bJ9aShtEA8Ipt1oGCvU=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251223223124-03e3cef63e04 h1:wCr/SrKzMrtW9wG85ApPfncRr7ajzkRevhsWnCkl2sE=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251223223124-03e3cef63e04/go.mod h1:ioLG6R+5bUSO1oeGSDxOV3FADARuMoytZCSX6MEMQkI=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251225023818-8886bb81c549 h1:NERDcANvDCnspxdMEMLXOMnuITWIWrTQvvhEA8ewBBM=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251225023818-8886bb81c549/go.mod h1:ioLG6R+5bUSO1oeGSDxOV3FADARuMoytZCSX6MEMQkI=
 github.com/VictoriaMetrics/fastcache v1.13.0 h1:AW4mheMR5Vd9FkAPUv+NH6Nhw+fmbTMGMsNAoA/+4G0=
 github.com/VictoriaMetrics/fastcache v1.13.0/go.mod h1:hHXhl4DA2fTL2HTZDJFXWgW0LNjo6B+4aj2Wmng3TjU=
 github.com/beorn7/perks v1.0.1 h1:VlbKKnNfV8bJzeqoa4cOKqO6bYr3WgKZxO8Z16+hsOM=

api/gateway/chain/internal/server/internal/serverimp.go

@@ -8,6 +8,7 @@ import (
 	"time"
 
 	"github.com/mitchellh/mapstructure"
+	"github.com/shopspring/decimal"
 	"github.com/tech/sendico/gateway/chain/internal/keymanager"
 	vaultmanager "github.com/tech/sendico/gateway/chain/internal/keymanager/vault"
 	gatewayservice "github.com/tech/sendico/gateway/chain/internal/service/gateway"
@@ -46,11 +47,12 @@ type config struct {
 }
 
 type chainConfig struct {
-	Name        string        `yaml:"name"`
-	RPCURLEnv   string        `yaml:"rpc_url_env"`
-	ChainID     uint64        `yaml:"chain_id"`
-	NativeToken string        `yaml:"native_token"`
-	Tokens      []tokenConfig `yaml:"tokens"`
+	Name           string                `yaml:"name"`
+	RPCURLEnv      string                `yaml:"rpc_url_env"`
+	ChainID        uint64                `yaml:"chain_id"`
+	NativeToken    string                `yaml:"native_token"`
+	Tokens         []tokenConfig         `yaml:"tokens"`
+	GasTopUpPolicy *gasTopUpPolicyConfig `yaml:"gas_topup_policy"`
 }
 
 type serviceWalletConfig struct {
@@ -66,6 +68,19 @@ type tokenConfig struct {
 	ContractEnv string `yaml:"contract_env"`
 }
 
+type gasTopUpPolicyConfig struct {
+	gasTopUpRuleConfig `yaml:",inline"`
+	Native             *gasTopUpRuleConfig `yaml:"native"`
+	Contract           *gasTopUpRuleConfig `yaml:"contract"`
+}
+
+type gasTopUpRuleConfig struct {
+	BufferPercent       float64 `yaml:"buffer_percent"`
+	MinNativeBalanceTRX float64 `yaml:"min_native_balance_trx"`
+	RoundingUnitTRX     float64 `yaml:"rounding_unit_trx"`
+	MaxTopUpTRX         float64 `yaml:"max_topup_trx"`
+}
+
 // Create initialises the chain gateway server implementation.
 func Create(logger mlogger.Logger, file string, debug bool) (*Imp, error) {
 	return &Imp{
@@ -217,17 +232,86 @@ func resolveNetworkConfigs(logger mlogger.Logger, chains []chainConfig) ([]gatew
 			})
 		}
 
+		gasPolicy, err := buildGasTopUpPolicy(chain.Name, chain.GasTopUpPolicy)
+		if err != nil {
+			logger.Error("invalid gas top-up policy", zap.String("chain", chain.Name), zap.Error(err))
+			return nil, err
+		}
+
 		result = append(result, gatewayshared.Network{
-			Name:         chain.Name,
-			RPCURL:       rpcURL,
-			ChainID:      chain.ChainID,
-			NativeToken:  chain.NativeToken,
-			TokenConfigs: contracts,
+			Name:           chain.Name,
+			RPCURL:         rpcURL,
+			ChainID:        chain.ChainID,
+			NativeToken:    chain.NativeToken,
+			TokenConfigs:   contracts,
+			GasTopUpPolicy: gasPolicy,
 		})
 	}
 	return result, nil
 }
 
+func buildGasTopUpPolicy(chainName string, cfg *gasTopUpPolicyConfig) (*gatewayshared.GasTopUpPolicy, error) {
+	if cfg == nil {
+		return nil, nil
+	}
+	defaultRule, defaultSet, err := parseGasTopUpRule(chainName, "default", cfg.gasTopUpRuleConfig)
+	if err != nil {
+		return nil, err
+	}
+	if !defaultSet {
+		return nil, merrors.InvalidArgument(fmt.Sprintf("chain %s gas_topup_policy is required", chainName))
+	}
+
+	policy := &gatewayshared.GasTopUpPolicy{
+		Default: defaultRule,
+	}
+
+	if cfg.Native != nil {
+		rule, set, err := parseGasTopUpRule(chainName, "native", *cfg.Native)
+		if err != nil {
+			return nil, err
+		}
+		if set {
+			policy.Native = &rule
+		}
+	}
+	if cfg.Contract != nil {
+		rule, set, err := parseGasTopUpRule(chainName, "contract", *cfg.Contract)
+		if err != nil {
+			return nil, err
+		}
+		if set {
+			policy.Contract = &rule
+		}
+	}
+
+	return policy, nil
+}
+
+func parseGasTopUpRule(chainName, label string, cfg gasTopUpRuleConfig) (gatewayshared.GasTopUpRule, bool, error) {
+	if cfg.BufferPercent == 0 && cfg.MinNativeBalanceTRX == 0 && cfg.RoundingUnitTRX == 0 && cfg.MaxTopUpTRX == 0 {
+		return gatewayshared.GasTopUpRule{}, false, nil
+	}
+	if cfg.BufferPercent < 0 {
+		return gatewayshared.GasTopUpRule{}, true, merrors.InvalidArgument(fmt.Sprintf("chain %s gas_topup_policy %s buffer_percent must be >= 0", chainName, label))
+	}
+	if cfg.MinNativeBalanceTRX < 0 {
+		return gatewayshared.GasTopUpRule{}, true, merrors.InvalidArgument(fmt.Sprintf("chain %s gas_topup_policy %s min_native_balance_trx must be >= 0", chainName, label))
+	}
+	if cfg.RoundingUnitTRX <= 0 {
+		return gatewayshared.GasTopUpRule{}, true, merrors.InvalidArgument(fmt.Sprintf("chain %s gas_topup_policy %s rounding_unit_trx must be > 0", chainName, label))
+	}
+	if cfg.MaxTopUpTRX <= 0 {
+		return gatewayshared.GasTopUpRule{}, true, merrors.InvalidArgument(fmt.Sprintf("chain %s gas_topup_policy %s max_topup_trx must be > 0", chainName, label))
+	}
+	return gatewayshared.GasTopUpRule{
+		BufferPercent:    decimal.NewFromFloat(cfg.BufferPercent),
+		MinNativeBalance: decimal.NewFromFloat(cfg.MinNativeBalanceTRX),
+		RoundingUnit:     decimal.NewFromFloat(cfg.RoundingUnitTRX),
+		MaxTopUp:         decimal.NewFromFloat(cfg.MaxTopUpTRX),
+	}, true, nil
+}
+
 func resolveServiceWallet(logger mlogger.Logger, cfg serviceWalletConfig) gatewayshared.ServiceWallet {
 	address := strings.TrimSpace(cfg.Address)
 	if address == "" && cfg.AddressEnv != "" {

api/gateway/chain/internal/service/gateway/commands/registry.go

@@ -23,6 +23,8 @@ type Registry struct {
 	GetTransfer      Unary[chainv1.GetTransferRequest, chainv1.GetTransferResponse]
 	ListTransfers    Unary[chainv1.ListTransfersRequest, chainv1.ListTransfersResponse]
 	EstimateTransfer Unary[chainv1.EstimateTransferFeeRequest, chainv1.EstimateTransferFeeResponse]
+	ComputeGasTopUp  Unary[chainv1.ComputeGasTopUpRequest, chainv1.ComputeGasTopUpResponse]
+	EnsureGasTopUp   Unary[chainv1.EnsureGasTopUpRequest, chainv1.EnsureGasTopUpResponse]
 }
 
 type RegistryDeps struct {
@@ -40,5 +42,7 @@ func NewRegistry(deps RegistryDeps) Registry {
 		GetTransfer:         transfer.NewGetTransfer(deps.Transfer.WithLogger("transfer.get")),
 		ListTransfers:       transfer.NewListTransfers(deps.Transfer.WithLogger("transfer.list")),
 		EstimateTransfer:    transfer.NewEstimateTransfer(deps.Transfer.WithLogger("transfer.estimate_fee")),
+		ComputeGasTopUp:     transfer.NewComputeGasTopUp(deps.Transfer.WithLogger("gas_topup.compute")),
+		EnsureGasTopUp:      transfer.NewEnsureGasTopUp(deps.Transfer.WithLogger("gas_topup.ensure")),
 	}
 }

api/gateway/chain/internal/service/gateway/commands/transfer/fee.go

@@ -95,9 +95,13 @@ func (c *estimateTransferFeeCommand) Execute(ctx context.Context, req *chainv1.E
 		return gsresponse.Auto[chainv1.EstimateTransferFeeResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 
+	contextLabel := "erc20_transfer"
+	if strings.TrimSpace(sourceWallet.ContractAddress) == "" {
+		contextLabel = "native_transfer"
+	}
 	resp := &chainv1.EstimateTransferFeeResponse{
 		NetworkFee:        feeMoney,
-		EstimationContext: "erc20_transfer",
+		EstimationContext: contextLabel,
 	}
 	return gsresponse.Success(resp)
 }

api/gateway/chain/internal/service/gateway/commands/transfer/gas_topup.go

@@ -0,0 +1,290 @@
+package transfer
+
+import (
+	"context"
+	"strings"
+
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/gateway/chain/internal/service/gateway/commands/wallet"
+	"github.com/tech/sendico/gateway/chain/internal/service/gateway/driver/evm"
+	"github.com/tech/sendico/gateway/chain/internal/service/gateway/driver/tron"
+	"github.com/tech/sendico/gateway/chain/internal/service/gateway/shared"
+	"github.com/tech/sendico/gateway/chain/storage/model"
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/mservice"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	"go.uber.org/zap"
+)
+
+type computeGasTopUpCommand struct {
+	deps Deps
+}
+
+func NewComputeGasTopUp(deps Deps) *computeGasTopUpCommand {
+	return &computeGasTopUpCommand{deps: deps}
+}
+
+func (c *computeGasTopUpCommand) Execute(ctx context.Context, req *chainv1.ComputeGasTopUpRequest) gsresponse.Responder[chainv1.ComputeGasTopUpResponse] {
+	if err := c.deps.EnsureRepository(ctx); err != nil {
+		c.deps.Logger.Warn("repository unavailable", zap.Error(err))
+		return gsresponse.Unavailable[chainv1.ComputeGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, err)
+	}
+	if req == nil {
+		c.deps.Logger.Warn("nil request")
+		return gsresponse.InvalidArgument[chainv1.ComputeGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("request is required"))
+	}
+
+	walletRef := strings.TrimSpace(req.GetWalletRef())
+	if walletRef == "" {
+		c.deps.Logger.Warn("wallet ref missing")
+		return gsresponse.InvalidArgument[chainv1.ComputeGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("wallet_ref is required"))
+	}
+	estimatedFee := req.GetEstimatedTotalFee()
+	if estimatedFee == nil || strings.TrimSpace(estimatedFee.GetAmount()) == "" || strings.TrimSpace(estimatedFee.GetCurrency()) == "" {
+		c.deps.Logger.Warn("estimated fee missing")
+		return gsresponse.InvalidArgument[chainv1.ComputeGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("estimated_total_fee is required"))
+	}
+
+	topUp, capHit, decision, nativeBalance, walletModel, err := computeGasTopUp(ctx, c.deps, walletRef, estimatedFee)
+	if err != nil {
+		return gsresponse.Auto[chainv1.ComputeGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, err)
+	}
+
+	logDecision(c.deps.Logger, walletRef, estimatedFee, nativeBalance, topUp, capHit, decision, walletModel)
+
+	return gsresponse.Success(&chainv1.ComputeGasTopUpResponse{
+		TopupAmount: topUp,
+		CapHit:      capHit,
+	})
+}
+
+type ensureGasTopUpCommand struct {
+	deps Deps
+}
+
+func NewEnsureGasTopUp(deps Deps) *ensureGasTopUpCommand {
+	return &ensureGasTopUpCommand{deps: deps}
+}
+
+func (c *ensureGasTopUpCommand) Execute(ctx context.Context, req *chainv1.EnsureGasTopUpRequest) gsresponse.Responder[chainv1.EnsureGasTopUpResponse] {
+	if err := c.deps.EnsureRepository(ctx); err != nil {
+		c.deps.Logger.Warn("repository unavailable", zap.Error(err))
+		return gsresponse.Unavailable[chainv1.EnsureGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, err)
+	}
+	if req == nil {
+		c.deps.Logger.Warn("nil request")
+		return gsresponse.InvalidArgument[chainv1.EnsureGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("request is required"))
+	}
+
+	idempotencyKey := strings.TrimSpace(req.GetIdempotencyKey())
+	if idempotencyKey == "" {
+		c.deps.Logger.Warn("idempotency key missing")
+		return gsresponse.InvalidArgument[chainv1.EnsureGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("idempotency_key is required"))
+	}
+	organizationRef := strings.TrimSpace(req.GetOrganizationRef())
+	if organizationRef == "" {
+		c.deps.Logger.Warn("organization ref missing")
+		return gsresponse.InvalidArgument[chainv1.EnsureGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("organization_ref is required"))
+	}
+	sourceWalletRef := strings.TrimSpace(req.GetSourceWalletRef())
+	if sourceWalletRef == "" {
+		c.deps.Logger.Warn("source wallet ref missing")
+		return gsresponse.InvalidArgument[chainv1.EnsureGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("source_wallet_ref is required"))
+	}
+	targetWalletRef := strings.TrimSpace(req.GetTargetWalletRef())
+	if targetWalletRef == "" {
+		c.deps.Logger.Warn("target wallet ref missing")
+		return gsresponse.InvalidArgument[chainv1.EnsureGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("target_wallet_ref is required"))
+	}
+	estimatedFee := req.GetEstimatedTotalFee()
+	if estimatedFee == nil || strings.TrimSpace(estimatedFee.GetAmount()) == "" || strings.TrimSpace(estimatedFee.GetCurrency()) == "" {
+		c.deps.Logger.Warn("estimated fee missing")
+		return gsresponse.InvalidArgument[chainv1.EnsureGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("estimated_total_fee is required"))
+	}
+
+	topUp, capHit, decision, nativeBalance, walletModel, err := computeGasTopUp(ctx, c.deps, targetWalletRef, estimatedFee)
+	if err != nil {
+		return gsresponse.Auto[chainv1.EnsureGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, err)
+	}
+
+	logDecision(c.deps.Logger, targetWalletRef, estimatedFee, nativeBalance, topUp, capHit, decision, walletModel)
+
+	if topUp == nil || strings.TrimSpace(topUp.GetAmount()) == "" {
+		return gsresponse.Success(&chainv1.EnsureGasTopUpResponse{
+			TopupAmount: nil,
+			CapHit:      capHit,
+		})
+	}
+
+	submitReq := &chainv1.SubmitTransferRequest{
+		IdempotencyKey:  idempotencyKey,
+		OrganizationRef: organizationRef,
+		SourceWalletRef: sourceWalletRef,
+		Destination: &chainv1.TransferDestination{
+			Destination: &chainv1.TransferDestination_ManagedWalletRef{ManagedWalletRef: targetWalletRef},
+		},
+		Amount:          topUp,
+		Metadata:        shared.CloneMetadata(req.GetMetadata()),
+		ClientReference: strings.TrimSpace(req.GetClientReference()),
+	}
+
+	submitResponder := NewSubmitTransfer(c.deps.WithLogger("transfer.submit")).Execute(ctx, submitReq)
+	return func(ctx context.Context) (*chainv1.EnsureGasTopUpResponse, error) {
+		submitResp, err := submitResponder(ctx)
+		if err != nil {
+			return nil, err
+		}
+		return &chainv1.EnsureGasTopUpResponse{
+			TopupAmount: topUp,
+			CapHit:      capHit,
+			Transfer:    submitResp.GetTransfer(),
+		}, nil
+	}
+}
+
+func computeGasTopUp(ctx context.Context, deps Deps, walletRef string, estimatedFee *moneyv1.Money) (*moneyv1.Money, bool, *tron.GasTopUpDecision, *moneyv1.Money, *model.ManagedWallet, error) {
+	walletRef = strings.TrimSpace(walletRef)
+	estimatedFee = shared.CloneMoney(estimatedFee)
+	walletModel, err := deps.Storage.Wallets().Get(ctx, walletRef)
+	if err != nil {
+		return nil, false, nil, nil, nil, err
+	}
+
+	networkKey := strings.ToLower(strings.TrimSpace(walletModel.Network))
+	networkCfg, ok := deps.Networks.Network(networkKey)
+	if !ok {
+		return nil, false, nil, nil, nil, merrors.InvalidArgument("unsupported chain for wallet")
+	}
+
+	nativeBalance, err := nativeBalanceForWallet(ctx, deps, walletModel)
+	if err != nil {
+		return nil, false, nil, nil, nil, err
+	}
+
+	if strings.HasPrefix(networkKey, "tron") {
+		topUp, decision, err := tron.ComputeGasTopUp(networkCfg, walletModel, estimatedFee, nativeBalance)
+		if err != nil {
+			return nil, false, nil, nil, nil, err
+		}
+		return topUp, decision.CapHit, &decision, nativeBalance, walletModel, nil
+	}
+
+	if networkCfg.GasTopUpPolicy != nil {
+		topUp, capHit, err := evm.ComputeGasTopUp(networkCfg, walletModel, estimatedFee, nativeBalance)
+		if err != nil {
+			return nil, false, nil, nil, nil, err
+		}
+		return topUp, capHit, nil, nativeBalance, walletModel, nil
+	}
+
+	topUp, err := defaultGasTopUp(estimatedFee, nativeBalance)
+	if err != nil {
+		return nil, false, nil, nil, nil, err
+	}
+	return topUp, false, nil, nativeBalance, walletModel, nil
+}
+
+func nativeBalanceForWallet(ctx context.Context, deps Deps, walletModel *model.ManagedWallet) (*moneyv1.Money, error) {
+	if walletModel == nil {
+		return nil, merrors.InvalidArgument("wallet is required")
+	}
+	walletDeps := wallet.Deps{
+		Logger:           deps.Logger.Named("wallet"),
+		Drivers:          deps.Drivers,
+		Networks:         deps.Networks,
+		KeyManager:       nil,
+		Storage:          deps.Storage,
+		Clock:            deps.Clock,
+		BalanceCacheTTL:  0,
+		RPCTimeout:       deps.RPCTimeout,
+		EnsureRepository: deps.EnsureRepository,
+	}
+	_, nativeBalance, err := wallet.OnChainWalletBalances(ctx, walletDeps, walletModel)
+	if err != nil {
+		return nil, err
+	}
+	if nativeBalance == nil || strings.TrimSpace(nativeBalance.GetAmount()) == "" || strings.TrimSpace(nativeBalance.GetCurrency()) == "" {
+		return nil, merrors.InvalidArgument("native balance is unavailable")
+	}
+	return nativeBalance, nil
+}
+
+func defaultGasTopUp(estimatedFee *moneyv1.Money, currentBalance *moneyv1.Money) (*moneyv1.Money, error) {
+	if estimatedFee == nil || strings.TrimSpace(estimatedFee.GetAmount()) == "" || strings.TrimSpace(estimatedFee.GetCurrency()) == "" {
+		return nil, merrors.InvalidArgument("estimated fee is required")
+	}
+	if currentBalance == nil || strings.TrimSpace(currentBalance.GetAmount()) == "" || strings.TrimSpace(currentBalance.GetCurrency()) == "" {
+		return nil, merrors.InvalidArgument("native balance is required")
+	}
+	if !strings.EqualFold(estimatedFee.GetCurrency(), currentBalance.GetCurrency()) {
+		return nil, merrors.InvalidArgument("native balance currency mismatch")
+	}
+
+	estimated, err := decimal.NewFromString(strings.TrimSpace(estimatedFee.GetAmount()))
+	if err != nil {
+		return nil, err
+	}
+	current, err := decimal.NewFromString(strings.TrimSpace(currentBalance.GetAmount()))
+	if err != nil {
+		return nil, err
+	}
+	required := estimated.Sub(current)
+	if !required.IsPositive() {
+		return nil, nil
+	}
+	return &moneyv1.Money{
+		Currency: strings.ToUpper(strings.TrimSpace(estimatedFee.GetCurrency())),
+		Amount:   required.String(),
+	}, nil
+}
+
+func logDecision(logger mlogger.Logger, walletRef string, estimatedFee *moneyv1.Money, nativeBalance *moneyv1.Money, topUp *moneyv1.Money, capHit bool, decision *tron.GasTopUpDecision, walletModel *model.ManagedWallet) {
+	if logger == nil {
+		return
+	}
+	fields := []zap.Field{
+		zap.String("wallet_ref", walletRef),
+		zap.String("estimated_total_fee", amountString(estimatedFee)),
+		zap.String("current_native_balance", amountString(nativeBalance)),
+		zap.String("topup_amount", amountString(topUp)),
+		zap.Bool("cap_hit", capHit),
+	}
+	if walletModel != nil {
+		fields = append(fields, zap.String("network", strings.TrimSpace(walletModel.Network)))
+	}
+	if decision != nil {
+		fields = append(fields,
+			zap.String("estimated_total_fee_trx", decision.EstimatedFeeTRX.String()),
+			zap.String("current_native_balance_trx", decision.CurrentBalanceTRX.String()),
+			zap.String("required_trx", decision.RequiredTRX.String()),
+			zap.String("buffered_required_trx", decision.BufferedRequiredTRX.String()),
+			zap.String("min_balance_topup_trx", decision.MinBalanceTopUpTRX.String()),
+			zap.String("raw_topup_trx", decision.RawTopUpTRX.String()),
+			zap.String("rounded_topup_trx", decision.RoundedTopUpTRX.String()),
+			zap.String("topup_trx", decision.TopUpTRX.String()),
+			zap.String("operation_type", decision.OperationType),
+		)
+	}
+	logger.Info("gas top-up decision", fields...)
+}
+
+func amountString(m *moneyv1.Money) string {
+	if m == nil {
+		return ""
+	}
+	amount := strings.TrimSpace(m.GetAmount())
+	currency := strings.TrimSpace(m.GetCurrency())
+	if amount == "" && currency == "" {
+		return ""
+	}
+	if currency == "" {
+		return amount
+	}
+	if amount == "" {
+		return currency
+	}
+	return amount + " " + currency
+}

api/gateway/chain/internal/service/gateway/commands/wallet/balance.go

@@ -51,7 +51,7 @@ func (c *getWalletBalanceCommand) Execute(ctx context.Context, req *chainv1.GetW
 		return gsresponse.Auto[chainv1.GetWalletBalanceResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 
-	balance, chainErr := onChainWalletBalance(ctx, c.deps, wallet)
+	tokenBalance, nativeBalance, chainErr := OnChainWalletBalances(ctx, c.deps, wallet)
 	if chainErr != nil {
 		c.deps.Logger.Warn("on-chain balance fetch failed, attempting cached balance", zap.Error(chainErr), zap.String("wallet_ref", walletRef))
 		stored, err := c.deps.Storage.Wallets().GetBalance(ctx, walletRef)
@@ -74,37 +74,47 @@ func (c *getWalletBalanceCommand) Execute(ctx context.Context, req *chainv1.GetW
 	}
 
 	calculatedAt := c.now()
-	c.persistCachedBalance(ctx, walletRef, balance, calculatedAt)
+	c.persistCachedBalance(ctx, walletRef, tokenBalance, nativeBalance, calculatedAt)
 
 	return gsresponse.Success(&chainv1.GetWalletBalanceResponse{
-		Balance: onChainBalanceToProto(balance, calculatedAt),
+		Balance: onChainBalanceToProto(tokenBalance, nativeBalance, calculatedAt),
 	})
 }
 
-func onChainBalanceToProto(balance *moneyv1.Money, calculatedAt time.Time) *chainv1.WalletBalance {
-	if balance == nil {
+func onChainBalanceToProto(balance *moneyv1.Money, native *moneyv1.Money, calculatedAt time.Time) *chainv1.WalletBalance {
+	if balance == nil && native == nil {
 		return nil
 	}
-	zero := zeroMoney(balance.Currency)
+	currency := ""
+	if balance != nil {
+		currency = balance.Currency
+	}
+	zero := zeroMoney(currency)
 	return &chainv1.WalletBalance{
 		Available:       balance,
+		NativeAvailable: native,
 		PendingInbound:  zero,
 		PendingOutbound: zero,
 		CalculatedAt:    timestamppb.New(calculatedAt.UTC()),
 	}
 }
 
-func (c *getWalletBalanceCommand) persistCachedBalance(ctx context.Context, walletRef string, available *moneyv1.Money, calculatedAt time.Time) {
-	if available == nil {
+func (c *getWalletBalanceCommand) persistCachedBalance(ctx context.Context, walletRef string, available *moneyv1.Money, nativeAvailable *moneyv1.Money, calculatedAt time.Time) {
+	if available == nil && nativeAvailable == nil {
 		return
 	}
 	record := &model.WalletBalance{
 		WalletRef:       walletRef,
 		Available:       shared.CloneMoney(available),
-		PendingInbound:  zeroMoney(available.Currency),
-		PendingOutbound: zeroMoney(available.Currency),
+		NativeAvailable: shared.CloneMoney(nativeAvailable),
 		CalculatedAt:    calculatedAt,
 	}
+	currency := ""
+	if available != nil {
+		currency = available.Currency
+	}
+	record.PendingInbound = zeroMoney(currency)
+	record.PendingOutbound = zeroMoney(currency)
 	if err := c.deps.Storage.Wallets().SaveBalance(ctx, record); err != nil {
 		c.deps.Logger.Warn("failed to cache wallet balance", zap.String("wallet_ref", walletRef), zap.Error(err))
 	}

api/gateway/chain/internal/service/gateway/commands/wallet/create.go

@@ -82,10 +82,12 @@ func (c *createManagedWalletCommand) Execute(ctx context.Context, req *chainv1.C
 	}
 	contractAddress := strings.ToLower(strings.TrimSpace(asset.GetContractAddress()))
 	if contractAddress == "" {
-		contractAddress = shared.ResolveContractAddress(networkCfg.TokenConfigs, tokenSymbol)
-		if contractAddress == "" {
-			c.deps.Logger.Warn("unsupported token", zap.String("token", tokenSymbol), zap.String("chain", chainKey))
-			return gsresponse.InvalidArgument[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("unsupported token for chain"))
+		if !strings.EqualFold(tokenSymbol, networkCfg.NativeToken) {
+			contractAddress = shared.ResolveContractAddress(networkCfg.TokenConfigs, tokenSymbol)
+			if contractAddress == "" {
+				c.deps.Logger.Warn("unsupported token", zap.String("token", tokenSymbol), zap.String("chain", chainKey))
+				return gsresponse.InvalidArgument[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("unsupported token for chain"))
+			}
 		}
 	}
 

api/gateway/chain/internal/service/gateway/commands/wallet/onchain_balance.go

@@ -12,16 +12,16 @@ import (
 	"go.uber.org/zap"
 )
 
-func onChainWalletBalance(ctx context.Context, deps Deps, wallet *model.ManagedWallet) (*moneyv1.Money, error) {
+func OnChainWalletBalances(ctx context.Context, deps Deps, wallet *model.ManagedWallet) (*moneyv1.Money, *moneyv1.Money, error) {
 	logger := deps.Logger
 	if wallet == nil {
-		return nil, merrors.InvalidArgument("wallet is required")
+		return nil, nil, merrors.InvalidArgument("wallet is required")
 	}
 	if deps.Networks == nil {
-		return nil, merrors.Internal("rpc clients not initialised")
+		return nil, nil, merrors.Internal("rpc clients not initialised")
 	}
 	if deps.Drivers == nil {
-		return nil, merrors.Internal("chain drivers not configured")
+		return nil, nil, merrors.Internal("chain drivers not configured")
 	}
 
 	networkKey := strings.ToLower(strings.TrimSpace(wallet.Network))
@@ -31,7 +31,7 @@ func onChainWalletBalance(ctx context.Context, deps Deps, wallet *model.ManagedW
 			zap.String("wallet_ref", wallet.WalletRef),
 			zap.String("network", networkKey),
 		)
-		return nil, merrors.Internal(fmt.Sprintf("Requested network '%s' is not configured", networkKey))
+		return nil, nil, merrors.Internal(fmt.Sprintf("Requested network '%s' is not configured", networkKey))
 	}
 
 	chainDriver, err := deps.Drivers.Driver(networkKey)
@@ -41,7 +41,7 @@ func onChainWalletBalance(ctx context.Context, deps Deps, wallet *model.ManagedW
 			zap.String("network", networkKey),
 			zap.Error(err),
 		)
-		return nil, merrors.InvalidArgument("unsupported chain")
+		return nil, nil, merrors.InvalidArgument("unsupported chain")
 	}
 
 	driverDeps := driver.Deps{
@@ -50,5 +50,13 @@ func onChainWalletBalance(ctx context.Context, deps Deps, wallet *model.ManagedW
 		KeyManager: deps.KeyManager,
 		RPCTimeout: deps.RPCTimeout,
 	}
-	return chainDriver.Balance(ctx, driverDeps, network, wallet)
+	tokenBalance, err := chainDriver.Balance(ctx, driverDeps, network, wallet)
+	if err != nil {
+		return nil, nil, err
+	}
+	nativeBalance, err := chainDriver.NativeBalance(ctx, driverDeps, network, wallet)
+	if err != nil {
+		return nil, nil, err
+	}
+	return tokenBalance, nativeBalance, nil
 }

api/gateway/chain/internal/service/gateway/commands/wallet/proto.go

@@ -58,6 +58,7 @@ func toProtoWalletBalance(balance *model.WalletBalance) *chainv1.WalletBalance {
 	}
 	return &chainv1.WalletBalance{
 		Available:       shared.CloneMoney(balance.Available),
+		NativeAvailable: shared.CloneMoney(balance.NativeAvailable),
 		PendingInbound:  shared.CloneMoney(balance.PendingInbound),
 		PendingOutbound: shared.CloneMoney(balance.PendingOutbound),
 		CalculatedAt:    timestamppb.New(balance.CalculatedAt.UTC()),

api/gateway/chain/internal/service/gateway/driver/arbitrum/driver.go

@@ -69,6 +69,31 @@ func (d *Driver) Balance(ctx context.Context, deps driver.Deps, network shared.N
 	return result, err
 }
 
+func (d *Driver) NativeBalance(ctx context.Context, deps driver.Deps, network shared.Network, wallet *model.ManagedWallet) (*moneyv1.Money, error) {
+	d.logger.Debug("native balance request",
+		zap.String("wallet_ref", wallet.WalletRef),
+		zap.String("network", network.Name),
+	)
+	driverDeps := deps
+	driverDeps.Logger = d.logger
+	result, err := evm.NativeBalance(ctx, driverDeps, network, wallet, wallet.DepositAddress)
+	if err != nil {
+		d.logger.Warn("native balance failed",
+			zap.String("wallet_ref", wallet.WalletRef),
+			zap.String("network", network.Name),
+			zap.Error(err),
+		)
+	} else if result != nil {
+		d.logger.Debug("native balance result",
+			zap.String("wallet_ref", wallet.WalletRef),
+			zap.String("network", network.Name),
+			zap.String("amount", result.Amount),
+			zap.String("currency", result.Currency),
+		)
+	}
+	return result, err
+}
+
 func (d *Driver) EstimateFee(ctx context.Context, deps driver.Deps, network shared.Network, wallet *model.ManagedWallet, destination string, amount *moneyv1.Money) (*moneyv1.Money, error) {
 	d.logger.Debug("estimate fee request",
 		zap.String("wallet_ref", wallet.WalletRef),

api/gateway/chain/internal/service/gateway/driver/driver.go

@@ -27,6 +27,7 @@ type Driver interface {
 	FormatAddress(address string) (string, error)
 	NormalizeAddress(address string) (string, error)
 	Balance(ctx context.Context, deps Deps, network shared.Network, wallet *model.ManagedWallet) (*moneyv1.Money, error)
+	NativeBalance(ctx context.Context, deps Deps, network shared.Network, wallet *model.ManagedWallet) (*moneyv1.Money, error)
 	EstimateFee(ctx context.Context, deps Deps, network shared.Network, wallet *model.ManagedWallet, destination string, amount *moneyv1.Money) (*moneyv1.Money, error)
 	SubmitTransfer(ctx context.Context, deps Deps, network shared.Network, transfer *model.Transfer, source *model.ManagedWallet, destination string) (string, error)
 	AwaitConfirmation(ctx context.Context, deps Deps, network shared.Network, txHash string) (*types.Receipt, error)

api/gateway/chain/internal/service/gateway/driver/ethereum/driver.go

@@ -69,6 +69,31 @@ func (d *Driver) Balance(ctx context.Context, deps driver.Deps, network shared.N
 	return result, err
 }
 
+func (d *Driver) NativeBalance(ctx context.Context, deps driver.Deps, network shared.Network, wallet *model.ManagedWallet) (*moneyv1.Money, error) {
+	d.logger.Debug("native balance request",
+		zap.String("wallet_ref", wallet.WalletRef),
+		zap.String("network", network.Name),
+	)
+	driverDeps := deps
+	driverDeps.Logger = d.logger
+	result, err := evm.NativeBalance(ctx, driverDeps, network, wallet, wallet.DepositAddress)
+	if err != nil {
+		d.logger.Warn("native balance failed",
+			zap.String("wallet_ref", wallet.WalletRef),
+			zap.String("network", network.Name),
+			zap.Error(err),
+		)
+	} else if result != nil {
+		d.logger.Debug("native balance result",
+			zap.String("wallet_ref", wallet.WalletRef),
+			zap.String("network", network.Name),
+			zap.String("amount", result.Amount),
+			zap.String("currency", result.Currency),
+		)
+	}
+	return result, err
+}
+
 func (d *Driver) EstimateFee(ctx context.Context, deps driver.Deps, network shared.Network, wallet *model.ManagedWallet, destination string, amount *moneyv1.Money) (*moneyv1.Money, error) {
 	d.logger.Debug("estimate fee request",
 		zap.String("wallet_ref", wallet.WalletRef),

api/gateway/chain/internal/service/gateway/driver/evm/evm.go

@@ -70,6 +70,29 @@ func NormalizeAddress(address string) (string, error) {
 	return strings.ToLower(common.HexToAddress(trimmed).Hex()), nil
 }
 
+func nativeCurrency(network shared.Network) string {
+	currency := strings.ToUpper(strings.TrimSpace(network.NativeToken))
+	if currency == "" {
+		currency = strings.ToUpper(network.Name)
+	}
+	return currency
+}
+
+func parseBaseUnitAmount(amount string) (*big.Int, error) {
+	trimmed := strings.TrimSpace(amount)
+	if trimmed == "" {
+		return nil, merrors.InvalidArgument("amount is required")
+	}
+	value, ok := new(big.Int).SetString(trimmed, 10)
+	if !ok {
+		return nil, merrors.InvalidArgument("invalid amount")
+	}
+	if value.Sign() < 0 {
+		return nil, merrors.InvalidArgument("amount must be non-negative")
+	}
+	return value, nil
+}
+
 // Balance fetches ERC20 token balance for the provided address.
 func Balance(ctx context.Context, deps driver.Deps, network shared.Network, wallet *model.ManagedWallet, address string) (*moneyv1.Money, error) {
 	logger := deps.Logger
@@ -101,7 +124,11 @@ func Balance(ctx context.Context, deps driver.Deps, network shared.Network, wall
 	}
 
 	contract := strings.TrimSpace(wallet.ContractAddress)
-	if contract == "" || !common.IsHexAddress(contract) {
+	if contract == "" {
+		logger.Debug("Native balance requested", logFields...)
+		return NativeBalance(ctx, deps, network, wallet, normalizedAddress)
+	}
+	if !common.IsHexAddress(contract) {
 		logger.Warn("Invalid contract address for balance fetch", logFields...)
 		return nil, merrors.InvalidArgument("invalid contract address")
 	}
@@ -146,6 +173,64 @@ func Balance(ctx context.Context, deps driver.Deps, network shared.Network, wall
 	return &moneyv1.Money{Currency: wallet.TokenSymbol, Amount: dec.String()}, nil
 }
 
+// NativeBalance fetches native token balance for the provided address.
+func NativeBalance(ctx context.Context, deps driver.Deps, network shared.Network, wallet *model.ManagedWallet, address string) (*moneyv1.Money, error) {
+	logger := deps.Logger
+	registry := deps.Registry
+
+	if registry == nil {
+		return nil, merrors.Internal("rpc clients not initialised")
+	}
+	if wallet == nil {
+		return nil, merrors.InvalidArgument("wallet is required")
+	}
+
+	normalizedAddress, err := NormalizeAddress(address)
+	if err != nil {
+		return nil, err
+	}
+
+	rpcURL := strings.TrimSpace(network.RPCURL)
+	logFields := []zap.Field{
+		zap.String("wallet_ref", wallet.WalletRef),
+		zap.String("network", strings.ToLower(strings.TrimSpace(network.Name))),
+		zap.String("wallet_address", normalizedAddress),
+	}
+	if rpcURL == "" {
+		logger.Warn("Network rpc url is not configured", logFields...)
+		return nil, merrors.Internal("network rpc url is not configured")
+	}
+
+	client, err := registry.Client(network.Name)
+	if err != nil {
+		logger.Warn("Failed to fetch rpc client", append(logFields, zap.Error(err))...)
+		return nil, err
+	}
+
+	timeout := deps.RPCTimeout
+	if timeout <= 0 {
+		timeout = 10 * time.Second
+	}
+	timeoutCtx, cancel := context.WithTimeout(ctx, timeout)
+	defer cancel()
+
+	bal, err := client.BalanceAt(timeoutCtx, common.HexToAddress(normalizedAddress), nil)
+	if err != nil {
+		logger.Warn("Native balance call failed", append(logFields, zap.Error(err))...)
+		return nil, err
+	}
+
+	logger.Info("On-chain native balance fetched",
+		append(logFields,
+			zap.String("balance_raw", bal.String()),
+		)...,
+	)
+	return &moneyv1.Money{
+		Currency: nativeCurrency(network),
+		Amount:   bal.String(),
+	}, nil
+}
+
 // EstimateFee estimates ERC20 transfer fees for the given parameters.
 func EstimateFee(ctx context.Context, deps driver.Deps, network shared.Network, wallet *model.ManagedWallet, fromAddress, destination string, amount *moneyv1.Money) (*moneyv1.Money, error) {
 	logger := deps.Logger
@@ -165,12 +250,6 @@ func EstimateFee(ctx context.Context, deps driver.Deps, network shared.Network,
 	if rpcURL == "" {
 		return nil, merrors.InvalidArgument("network rpc url not configured")
 	}
-	if strings.TrimSpace(wallet.ContractAddress) == "" {
-		return nil, merrors.NotImplemented("native token transfers not supported")
-	}
-	if !common.IsHexAddress(wallet.ContractAddress) {
-		return nil, merrors.InvalidArgument("invalid token contract address")
-	}
 	if _, err := NormalizeAddress(fromAddress); err != nil {
 		return nil, merrors.InvalidArgument("invalid source wallet address")
 	}
@@ -194,10 +273,42 @@ func EstimateFee(ctx context.Context, deps driver.Deps, network shared.Network,
 	timeoutCtx, cancel := context.WithTimeout(ctx, timeout)
 	defer cancel()
 
-	tokenAddr := common.HexToAddress(wallet.ContractAddress)
+	contract := strings.TrimSpace(wallet.ContractAddress)
 	toAddr := common.HexToAddress(destination)
 	fromAddr := common.HexToAddress(fromAddress)
 
+	if contract == "" {
+		amountBase, err := parseBaseUnitAmount(amount.GetAmount())
+		if err != nil {
+			return nil, err
+		}
+		gasPrice, err := client.SuggestGasPrice(timeoutCtx)
+		if err != nil {
+			return nil, merrors.Internal("failed to suggest gas price: " + err.Error())
+		}
+		callMsg := ethereum.CallMsg{
+			From:     fromAddr,
+			To:       &toAddr,
+			GasPrice: gasPrice,
+			Value:    amountBase,
+		}
+		gasLimit, err := client.EstimateGas(timeoutCtx, callMsg)
+		if err != nil {
+			return nil, merrors.Internal("failed to estimate gas: " + err.Error())
+		}
+		fee := new(big.Int).Mul(gasPrice, new(big.Int).SetUint64(gasLimit))
+		feeDec := decimal.NewFromBigInt(fee, 0)
+		return &moneyv1.Money{
+			Currency: nativeCurrency(network),
+			Amount:   feeDec.String(),
+		}, nil
+	}
+	if !common.IsHexAddress(contract) {
+		return nil, merrors.InvalidArgument("invalid token contract address")
+	}
+
+	tokenAddr := common.HexToAddress(contract)
+
 	decimals, err := erc20Decimals(timeoutCtx, rpcClient, tokenAddr)
 	if err != nil {
 		logger.Warn("Failed to read token decimals", zap.Error(err))
@@ -233,13 +344,8 @@ func EstimateFee(ctx context.Context, deps driver.Deps, network shared.Network,
 	fee := new(big.Int).Mul(gasPrice, new(big.Int).SetUint64(gasLimit))
 	feeDec := decimal.NewFromBigInt(fee, 0)
 
-	currency := strings.ToUpper(strings.TrimSpace(network.NativeToken))
-	if currency == "" {
-		currency = strings.ToUpper(network.Name)
-	}
-
 	return &moneyv1.Money{
-		Currency: currency,
+		Currency: nativeCurrency(network),
 		Amount:   feeDec.String(),
 	}, nil
 }
@@ -322,66 +428,86 @@ func SubmitTransfer(ctx context.Context, deps driver.Deps, network shared.Networ
 
 	chainID := new(big.Int).SetUint64(network.ChainID)
 
-	if strings.TrimSpace(transfer.ContractAddress) == "" {
-		logger.Warn("Native token transfer requested but not supported", zap.String("transfer_ref", transfer.TransferRef))
-		return "", merrors.NotImplemented("executor: native token transfers not yet supported")
-	}
-
-	if !common.IsHexAddress(transfer.ContractAddress) {
-		logger.Warn("Invalid token contract address",
-			zap.String("transfer_ref", transfer.TransferRef),
-			zap.String("contract", transfer.ContractAddress),
-		)
-		return "", executorInvalid("invalid token contract address " + transfer.ContractAddress)
-	}
-	tokenAddress := common.HexToAddress(transfer.ContractAddress)
-
-	decimals, err := erc20Decimals(ctx, rpcClient, tokenAddress)
-	if err != nil {
-		logger.Warn("Failed to read token decimals", zap.Error(err),
-			zap.String("transfer_ref", transfer.TransferRef),
-			zap.String("contract", transfer.ContractAddress),
-		)
-		return "", err
-	}
-
+	contract := strings.TrimSpace(transfer.ContractAddress)
 	amount := transfer.NetAmount
 	if amount == nil || strings.TrimSpace(amount.Amount) == "" {
 		logger.Warn("Transfer missing net amount", zap.String("transfer_ref", transfer.TransferRef))
 		return "", executorInvalid("transfer missing net amount")
 	}
-	amountInt, err := toBaseUnits(amount.Amount, decimals)
-	if err != nil {
-		logger.Warn("Failed to convert amount to base units", zap.Error(err),
-			zap.String("transfer_ref", transfer.TransferRef),
-			zap.String("amount", amount.Amount),
-		)
-		return "", err
-	}
 
-	input, err := erc20ABI.Pack("transfer", destinationAddr, amountInt)
-	if err != nil {
-		logger.Warn("Failed to encode transfer call", zap.Error(err),
-			zap.String("transfer_ref", transfer.TransferRef),
-		)
-		return "", executorInternal("failed to encode transfer call", err)
-	}
+	var tx *types.Transaction
+	if contract == "" {
+		amountInt, err := parseBaseUnitAmount(amount.Amount)
+		if err != nil {
+			logger.Warn("Invalid native amount", zap.Error(err), zap.String("transfer_ref", transfer.TransferRef))
+			return "", err
+		}
+		callMsg := ethereum.CallMsg{
+			From:     sourceAddress,
+			To:       &destinationAddr,
+			GasPrice: gasPrice,
+			Value:    amountInt,
+		}
+		gasLimit, err := client.EstimateGas(ctx, callMsg)
+		if err != nil {
+			logger.Warn("Failed to estimate gas", zap.Error(err),
+				zap.String("transfer_ref", transfer.TransferRef),
+			)
+			return "", executorInternal("failed to estimate gas", err)
+		}
+		tx = types.NewTransaction(nonce, destinationAddr, amountInt, gasLimit, gasPrice, nil)
+	} else {
+		if !common.IsHexAddress(contract) {
+			logger.Warn("Invalid token contract address",
+				zap.String("transfer_ref", transfer.TransferRef),
+				zap.String("contract", contract),
+			)
+			return "", executorInvalid("invalid token contract address " + contract)
+		}
+		tokenAddress := common.HexToAddress(contract)
 
-	callMsg := ethereum.CallMsg{
-		From:     sourceAddress,
-		To:       &tokenAddress,
-		GasPrice: gasPrice,
-		Data:     input,
-	}
-	gasLimit, err := client.EstimateGas(ctx, callMsg)
-	if err != nil {
-		logger.Warn("Failed to estimate gas", zap.Error(err),
-			zap.String("transfer_ref", transfer.TransferRef),
-		)
-		return "", executorInternal("failed to estimate gas", err)
-	}
+		decimals, err := erc20Decimals(ctx, rpcClient, tokenAddress)
+		if err != nil {
+			logger.Warn("Failed to read token decimals", zap.Error(err),
+				zap.String("transfer_ref", transfer.TransferRef),
+				zap.String("contract", contract),
+			)
+			return "", err
+		}
 
-	tx := types.NewTransaction(nonce, tokenAddress, big.NewInt(0), gasLimit, gasPrice, input)
+		amountInt, err := toBaseUnits(amount.Amount, decimals)
+		if err != nil {
+			logger.Warn("Failed to convert amount to base units", zap.Error(err),
+				zap.String("transfer_ref", transfer.TransferRef),
+				zap.String("amount", amount.Amount),
+			)
+			return "", err
+		}
+
+		input, err := erc20ABI.Pack("transfer", destinationAddr, amountInt)
+		if err != nil {
+			logger.Warn("Failed to encode transfer call", zap.Error(err),
+				zap.String("transfer_ref", transfer.TransferRef),
+			)
+			return "", executorInternal("failed to encode transfer call", err)
+		}
+
+		callMsg := ethereum.CallMsg{
+			From:     sourceAddress,
+			To:       &tokenAddress,
+			GasPrice: gasPrice,
+			Data:     input,
+		}
+		gasLimit, err := client.EstimateGas(ctx, callMsg)
+		if err != nil {
+			logger.Warn("Failed to estimate gas", zap.Error(err),
+				zap.String("transfer_ref", transfer.TransferRef),
+			)
+			return "", executorInternal("failed to estimate gas", err)
+		}
+
+		tx = types.NewTransaction(nonce, tokenAddress, big.NewInt(0), gasLimit, gasPrice, input)
+	}
 
 	signedTx, err := deps.KeyManager.SignTransaction(ctx, source.KeyReference, tx, chainID)
 	if err != nil {

api/gateway/chain/internal/service/gateway/driver/evm/gas_topup.go

@@ -0,0 +1,108 @@
+package evm
+
+import (
+	"fmt"
+	"strings"
+
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/gateway/chain/internal/service/gateway/shared"
+	"github.com/tech/sendico/gateway/chain/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
+
+var evmBaseUnitFactor = decimal.NewFromInt(1_000_000_000_000_000_000)
+
+// ComputeGasTopUp applies the network policy to decide an EVM native-token top-up amount.
+func ComputeGasTopUp(network shared.Network, wallet *model.ManagedWallet, estimatedFee *moneyv1.Money, currentBalance *moneyv1.Money) (*moneyv1.Money, bool, error) {
+	if wallet == nil {
+		return nil, false, merrors.InvalidArgument("wallet is required")
+	}
+	if estimatedFee == nil || strings.TrimSpace(estimatedFee.GetAmount()) == "" || strings.TrimSpace(estimatedFee.GetCurrency()) == "" {
+		return nil, false, merrors.InvalidArgument("estimated fee is required")
+	}
+	if currentBalance == nil || strings.TrimSpace(currentBalance.GetAmount()) == "" || strings.TrimSpace(currentBalance.GetCurrency()) == "" {
+		return nil, false, merrors.InvalidArgument("current native balance is required")
+	}
+	if network.GasTopUpPolicy == nil {
+		return nil, false, merrors.InvalidArgument("gas top-up policy is not configured")
+	}
+
+	nativeCurrency := strings.TrimSpace(network.NativeToken)
+	if nativeCurrency == "" {
+		nativeCurrency = strings.ToUpper(strings.TrimSpace(network.Name))
+	}
+	if !strings.EqualFold(nativeCurrency, estimatedFee.GetCurrency()) {
+		return nil, false, merrors.InvalidArgument(fmt.Sprintf("estimated fee currency mismatch (expected %s)", nativeCurrency))
+	}
+	if !strings.EqualFold(nativeCurrency, currentBalance.GetCurrency()) {
+		return nil, false, merrors.InvalidArgument(fmt.Sprintf("native balance currency mismatch (expected %s)", nativeCurrency))
+	}
+
+	estimatedNative, err := evmToNative(estimatedFee)
+	if err != nil {
+		return nil, false, err
+	}
+	currentNative, err := evmToNative(currentBalance)
+	if err != nil {
+		return nil, false, err
+	}
+
+	isContract := strings.TrimSpace(wallet.ContractAddress) != ""
+	rule, ok := network.GasTopUpPolicy.Rule(isContract)
+	if !ok {
+		return nil, false, merrors.InvalidArgument("gas top-up policy is not configured")
+	}
+	if rule.RoundingUnit.LessThanOrEqual(decimal.Zero) {
+		return nil, false, merrors.InvalidArgument("gas top-up rounding unit must be > 0")
+	}
+	if rule.MaxTopUp.LessThanOrEqual(decimal.Zero) {
+		return nil, false, merrors.InvalidArgument("gas top-up max top-up must be > 0")
+	}
+
+	required := estimatedNative.Sub(currentNative)
+	if required.IsNegative() {
+		required = decimal.Zero
+	}
+	bufferedRequired := required.Mul(decimal.NewFromInt(1).Add(rule.BufferPercent))
+
+	minBalanceTopUp := rule.MinNativeBalance.Sub(currentNative)
+	if minBalanceTopUp.IsNegative() {
+		minBalanceTopUp = decimal.Zero
+	}
+
+	rawTopUp := bufferedRequired
+	if minBalanceTopUp.GreaterThan(rawTopUp) {
+		rawTopUp = minBalanceTopUp
+	}
+
+	roundedTopUp := decimal.Zero
+	if rawTopUp.IsPositive() {
+		roundedTopUp = rawTopUp.Div(rule.RoundingUnit).Ceil().Mul(rule.RoundingUnit)
+	}
+
+	topUp := roundedTopUp
+	capHit := false
+	if topUp.GreaterThan(rule.MaxTopUp) {
+		topUp = rule.MaxTopUp
+		capHit = true
+	}
+
+	if !topUp.IsPositive() {
+		return nil, capHit, nil
+	}
+
+	baseUnits := topUp.Mul(evmBaseUnitFactor).Ceil().Truncate(0)
+	return &moneyv1.Money{
+		Currency: strings.ToUpper(nativeCurrency),
+		Amount:   baseUnits.StringFixed(0),
+	}, capHit, nil
+}
+
+func evmToNative(amount *moneyv1.Money) (decimal.Decimal, error) {
+	value, err := decimal.NewFromString(strings.TrimSpace(amount.GetAmount()))
+	if err != nil {
+		return decimal.Zero, err
+	}
+	return value.Div(evmBaseUnitFactor), nil
+}

api/gateway/chain/internal/service/gateway/driver/evm/gas_topup_test.go

@@ -0,0 +1,146 @@
+package evm
+
+import (
+	"testing"
+
+	"github.com/shopspring/decimal"
+	"github.com/stretchr/testify/require"
+	"github.com/tech/sendico/gateway/chain/internal/service/gateway/shared"
+	"github.com/tech/sendico/gateway/chain/storage/model"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
+
+func TestComputeGasTopUp_BalanceSufficient(t *testing.T) {
+	network := ethNetwork(defaultPolicy())
+	wallet := &model.ManagedWallet{}
+
+	topUp, capHit, err := ComputeGasTopUp(network, wallet, ethMoney("5"), ethMoney("30"))
+	require.NoError(t, err)
+	require.Nil(t, topUp)
+	require.False(t, capHit)
+}
+
+func TestComputeGasTopUp_BufferedRequired(t *testing.T) {
+	network := ethNetwork(defaultPolicy())
+	wallet := &model.ManagedWallet{}
+
+	topUp, capHit, err := ComputeGasTopUp(network, wallet, ethMoney("50"), ethMoney("10"))
+	require.NoError(t, err)
+	require.NotNil(t, topUp)
+	require.False(t, capHit)
+	require.Equal(t, "46000000000000000000", topUp.GetAmount())
+	require.Equal(t, "ETH", topUp.GetCurrency())
+}
+
+func TestComputeGasTopUp_MinBalanceBinding(t *testing.T) {
+	network := ethNetwork(defaultPolicy())
+	wallet := &model.ManagedWallet{}
+
+	topUp, capHit, err := ComputeGasTopUp(network, wallet, ethMoney("5"), ethMoney("1"))
+	require.NoError(t, err)
+	require.NotNil(t, topUp)
+	require.False(t, capHit)
+	require.Equal(t, "19000000000000000000", topUp.GetAmount())
+}
+
+func TestComputeGasTopUp_RoundsUp(t *testing.T) {
+	policy := shared.GasTopUpPolicy{
+		Default: shared.GasTopUpRule{
+			BufferPercent:    decimal.NewFromFloat(0),
+			MinNativeBalance: decimal.NewFromFloat(0),
+			RoundingUnit:     decimal.NewFromFloat(1),
+			MaxTopUp:         decimal.NewFromFloat(100),
+		},
+	}
+	network := ethNetwork(&policy)
+	wallet := &model.ManagedWallet{}
+
+	topUp, capHit, err := ComputeGasTopUp(network, wallet, ethMoney("1.1"), ethMoney("0"))
+	require.NoError(t, err)
+	require.NotNil(t, topUp)
+	require.False(t, capHit)
+	require.Equal(t, "2000000000000000000", topUp.GetAmount())
+}
+
+func TestComputeGasTopUp_CapHit(t *testing.T) {
+	policy := shared.GasTopUpPolicy{
+		Default: shared.GasTopUpRule{
+			BufferPercent:    decimal.NewFromFloat(0),
+			MinNativeBalance: decimal.NewFromFloat(0),
+			RoundingUnit:     decimal.NewFromFloat(1),
+			MaxTopUp:         decimal.NewFromFloat(10),
+		},
+	}
+	network := ethNetwork(&policy)
+	wallet := &model.ManagedWallet{}
+
+	topUp, capHit, err := ComputeGasTopUp(network, wallet, ethMoney("100"), ethMoney("0"))
+	require.NoError(t, err)
+	require.NotNil(t, topUp)
+	require.True(t, capHit)
+	require.Equal(t, "10000000000000000000", topUp.GetAmount())
+}
+
+func TestComputeGasTopUp_MinBalanceWhenRequiredZero(t *testing.T) {
+	network := ethNetwork(defaultPolicy())
+	wallet := &model.ManagedWallet{}
+
+	topUp, capHit, err := ComputeGasTopUp(network, wallet, ethMoney("0"), ethMoney("5"))
+	require.NoError(t, err)
+	require.NotNil(t, topUp)
+	require.False(t, capHit)
+	require.Equal(t, "15000000000000000000", topUp.GetAmount())
+}
+
+func TestComputeGasTopUp_ContractPolicyOverride(t *testing.T) {
+	policy := shared.GasTopUpPolicy{
+		Default: shared.GasTopUpRule{
+			BufferPercent:    decimal.NewFromFloat(0.1),
+			MinNativeBalance: decimal.NewFromFloat(10),
+			RoundingUnit:     decimal.NewFromFloat(1),
+			MaxTopUp:         decimal.NewFromFloat(100),
+		},
+		Contract: &shared.GasTopUpRule{
+			BufferPercent:    decimal.NewFromFloat(0.5),
+			MinNativeBalance: decimal.NewFromFloat(5),
+			RoundingUnit:     decimal.NewFromFloat(1),
+			MaxTopUp:         decimal.NewFromFloat(100),
+		},
+	}
+	network := ethNetwork(&policy)
+	wallet := &model.ManagedWallet{ContractAddress: "0xcontract"}
+
+	topUp, capHit, err := ComputeGasTopUp(network, wallet, ethMoney("10"), ethMoney("0"))
+	require.NoError(t, err)
+	require.NotNil(t, topUp)
+	require.False(t, capHit)
+	require.Equal(t, "15000000000000000000", topUp.GetAmount())
+}
+
+func defaultPolicy() *shared.GasTopUpPolicy {
+	return &shared.GasTopUpPolicy{
+		Default: shared.GasTopUpRule{
+			BufferPercent:    decimal.NewFromFloat(0.15),
+			MinNativeBalance: decimal.NewFromFloat(20),
+			RoundingUnit:     decimal.NewFromFloat(1),
+			MaxTopUp:         decimal.NewFromFloat(500),
+		},
+	}
+}
+
+func ethNetwork(policy *shared.GasTopUpPolicy) shared.Network {
+	return shared.Network{
+		Name:           "ethereum_mainnet",
+		NativeToken:    "ETH",
+		GasTopUpPolicy: policy,
+	}
+}
+
+func ethMoney(eth string) *moneyv1.Money {
+	value, _ := decimal.NewFromString(eth)
+	baseUnits := value.Mul(evmBaseUnitFactor).Truncate(0)
+	return &moneyv1.Money{
+		Currency: "ETH",
+		Amount:   baseUnits.StringFixed(0),
+	}
+}

api/gateway/chain/internal/service/gateway/driver/tron/driver.go

@@ -77,6 +77,38 @@ func (d *Driver) Balance(ctx context.Context, deps driver.Deps, network shared.N
 	return result, err
 }
 
+func (d *Driver) NativeBalance(ctx context.Context, deps driver.Deps, network shared.Network, wallet *model.ManagedWallet) (*moneyv1.Money, error) {
+	if wallet == nil {
+		return nil, merrors.InvalidArgument("wallet is required")
+	}
+	d.logger.Debug("Native balance request", zap.String("wallet_ref", wallet.WalletRef), zap.String("network", network.Name))
+	rpcAddr, err := rpcAddress(wallet.DepositAddress)
+	if err != nil {
+		d.logger.Warn("Native balance address conversion failed", zap.Error(err),
+			zap.String("wallet_ref", wallet.WalletRef),
+			zap.String("address", wallet.DepositAddress),
+		)
+		return nil, err
+	}
+	driverDeps := deps
+	driverDeps.Logger = d.logger
+	result, err := evm.NativeBalance(ctx, driverDeps, network, wallet, rpcAddr)
+	if err != nil {
+		d.logger.Warn("Native balance failed", zap.Error(err),
+			zap.String("wallet_ref", wallet.WalletRef),
+			zap.String("network", network.Name),
+		)
+	} else if result != nil {
+		d.logger.Debug("native balance result",
+			zap.String("wallet_ref", wallet.WalletRef),
+			zap.String("network", network.Name),
+			zap.String("amount", result.Amount),
+			zap.String("currency", result.Currency),
+		)
+	}
+	return result, err
+}
+
 func (d *Driver) EstimateFee(ctx context.Context, deps driver.Deps, network shared.Network, wallet *model.ManagedWallet, destination string, amount *moneyv1.Money) (*moneyv1.Money, error) {
 	if wallet == nil {
 		return nil, merrors.InvalidArgument("wallet is required")

api/gateway/chain/internal/service/gateway/driver/tron/gas_topup.go

@@ -0,0 +1,143 @@
+package tron
+
+import (
+	"fmt"
+	"strings"
+
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/gateway/chain/internal/service/gateway/shared"
+	"github.com/tech/sendico/gateway/chain/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
+
+var tronBaseUnitFactor = decimal.NewFromInt(1_000_000)
+
+// GasTopUpDecision captures the applied policy inputs and outputs (in TRX units).
+type GasTopUpDecision struct {
+	CurrentBalanceTRX   decimal.Decimal
+	EstimatedFeeTRX     decimal.Decimal
+	RequiredTRX         decimal.Decimal
+	BufferedRequiredTRX decimal.Decimal
+	MinBalanceTopUpTRX  decimal.Decimal
+	RawTopUpTRX         decimal.Decimal
+	RoundedTopUpTRX     decimal.Decimal
+	TopUpTRX            decimal.Decimal
+	CapHit              bool
+	OperationType       string
+}
+
+// ComputeGasTopUp applies the network policy to decide a TRX top-up amount.
+func ComputeGasTopUp(network shared.Network, wallet *model.ManagedWallet, estimatedFee *moneyv1.Money, currentBalance *moneyv1.Money) (*moneyv1.Money, GasTopUpDecision, error) {
+	decision := GasTopUpDecision{}
+	if wallet == nil {
+		return nil, decision, merrors.InvalidArgument("wallet is required")
+	}
+	if estimatedFee == nil || strings.TrimSpace(estimatedFee.GetAmount()) == "" || strings.TrimSpace(estimatedFee.GetCurrency()) == "" {
+		return nil, decision, merrors.InvalidArgument("estimated fee is required")
+	}
+	if currentBalance == nil || strings.TrimSpace(currentBalance.GetAmount()) == "" || strings.TrimSpace(currentBalance.GetCurrency()) == "" {
+		return nil, decision, merrors.InvalidArgument("current native balance is required")
+	}
+	if network.GasTopUpPolicy == nil {
+		return nil, decision, merrors.InvalidArgument("gas top-up policy is not configured")
+	}
+
+	nativeCurrency := strings.TrimSpace(network.NativeToken)
+	if nativeCurrency == "" {
+		nativeCurrency = strings.ToUpper(strings.TrimSpace(network.Name))
+	}
+	if !strings.EqualFold(nativeCurrency, estimatedFee.GetCurrency()) {
+		return nil, decision, merrors.InvalidArgument(fmt.Sprintf("estimated fee currency mismatch (expected %s)", nativeCurrency))
+	}
+	if !strings.EqualFold(nativeCurrency, currentBalance.GetCurrency()) {
+		return nil, decision, merrors.InvalidArgument(fmt.Sprintf("native balance currency mismatch (expected %s)", nativeCurrency))
+	}
+
+	estimatedTRX, err := tronToTRX(estimatedFee)
+	if err != nil {
+		return nil, decision, err
+	}
+	currentTRX, err := tronToTRX(currentBalance)
+	if err != nil {
+		return nil, decision, err
+	}
+
+	isContract := strings.TrimSpace(wallet.ContractAddress) != ""
+	rule, ok := network.GasTopUpPolicy.Rule(isContract)
+	if !ok {
+		return nil, decision, merrors.InvalidArgument("gas top-up policy is not configured")
+	}
+	if rule.RoundingUnit.LessThanOrEqual(decimal.Zero) {
+		return nil, decision, merrors.InvalidArgument("gas top-up rounding unit must be > 0")
+	}
+	if rule.MaxTopUp.LessThanOrEqual(decimal.Zero) {
+		return nil, decision, merrors.InvalidArgument("gas top-up max top-up must be > 0")
+	}
+
+	required := estimatedTRX.Sub(currentTRX)
+	if required.IsNegative() {
+		required = decimal.Zero
+	}
+	bufferedRequired := required.Mul(decimal.NewFromInt(1).Add(rule.BufferPercent))
+
+	minBalanceTopUp := rule.MinNativeBalance.Sub(currentTRX)
+	if minBalanceTopUp.IsNegative() {
+		minBalanceTopUp = decimal.Zero
+	}
+
+	rawTopUp := bufferedRequired
+	if minBalanceTopUp.GreaterThan(rawTopUp) {
+		rawTopUp = minBalanceTopUp
+	}
+
+	roundedTopUp := decimal.Zero
+	if rawTopUp.IsPositive() {
+		roundedTopUp = rawTopUp.Div(rule.RoundingUnit).Ceil().Mul(rule.RoundingUnit)
+	}
+
+	topUp := roundedTopUp
+	capHit := false
+	if topUp.GreaterThan(rule.MaxTopUp) {
+		topUp = rule.MaxTopUp
+		capHit = true
+	}
+
+	decision = GasTopUpDecision{
+		CurrentBalanceTRX:   currentTRX,
+		EstimatedFeeTRX:     estimatedTRX,
+		RequiredTRX:         required,
+		BufferedRequiredTRX: bufferedRequired,
+		MinBalanceTopUpTRX:  minBalanceTopUp,
+		RawTopUpTRX:         rawTopUp,
+		RoundedTopUpTRX:     roundedTopUp,
+		TopUpTRX:            topUp,
+		CapHit:              capHit,
+		OperationType:       operationType(isContract),
+	}
+
+	if !topUp.IsPositive() {
+		return nil, decision, nil
+	}
+
+	baseUnits := topUp.Mul(tronBaseUnitFactor).Ceil().Truncate(0)
+	return &moneyv1.Money{
+		Currency: strings.ToUpper(nativeCurrency),
+		Amount:   baseUnits.StringFixed(0),
+	}, decision, nil
+}
+
+func tronToTRX(amount *moneyv1.Money) (decimal.Decimal, error) {
+	value, err := decimal.NewFromString(strings.TrimSpace(amount.GetAmount()))
+	if err != nil {
+		return decimal.Zero, err
+	}
+	return value.Div(tronBaseUnitFactor), nil
+}
+
+func operationType(contract bool) string {
+	if contract {
+		return "trc20"
+	}
+	return "native"
+}

api/gateway/chain/internal/service/gateway/driver/tron/gas_topup_test.go

@@ -0,0 +1,147 @@
+package tron
+
+import (
+	"testing"
+
+	"github.com/shopspring/decimal"
+	"github.com/stretchr/testify/require"
+	"github.com/tech/sendico/gateway/chain/internal/service/gateway/shared"
+	"github.com/tech/sendico/gateway/chain/storage/model"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
+
+func TestComputeGasTopUp_BalanceSufficient(t *testing.T) {
+	network := tronNetwork(defaultPolicy())
+	wallet := &model.ManagedWallet{}
+
+	topUp, decision, err := ComputeGasTopUp(network, wallet, tronMoney("5"), tronMoney("30"))
+	require.NoError(t, err)
+	require.Nil(t, topUp)
+	require.True(t, decision.TopUpTRX.IsZero())
+}
+
+func TestComputeGasTopUp_BufferedRequired(t *testing.T) {
+	network := tronNetwork(defaultPolicy())
+	wallet := &model.ManagedWallet{}
+
+	topUp, decision, err := ComputeGasTopUp(network, wallet, tronMoney("50"), tronMoney("10"))
+	require.NoError(t, err)
+	require.NotNil(t, topUp)
+	require.Equal(t, "46000000", topUp.GetAmount())
+	require.Equal(t, "TRX", topUp.GetCurrency())
+	require.Equal(t, "46", decision.TopUpTRX.String())
+}
+
+func TestComputeGasTopUp_MinBalanceBinding(t *testing.T) {
+	network := tronNetwork(defaultPolicy())
+	wallet := &model.ManagedWallet{}
+
+	topUp, decision, err := ComputeGasTopUp(network, wallet, tronMoney("5"), tronMoney("1"))
+	require.NoError(t, err)
+	require.NotNil(t, topUp)
+	require.Equal(t, "19000000", topUp.GetAmount())
+	require.Equal(t, "19", decision.TopUpTRX.String())
+}
+
+func TestComputeGasTopUp_RoundsUp(t *testing.T) {
+	policy := shared.GasTopUpPolicy{
+		Default: shared.GasTopUpRule{
+			BufferPercent:    decimal.NewFromFloat(0),
+			MinNativeBalance: decimal.NewFromFloat(0),
+			RoundingUnit:     decimal.NewFromFloat(1),
+			MaxTopUp:         decimal.NewFromFloat(100),
+		},
+	}
+	network := tronNetwork(&policy)
+	wallet := &model.ManagedWallet{}
+
+	topUp, decision, err := ComputeGasTopUp(network, wallet, tronMoney("1.1"), tronMoney("0"))
+	require.NoError(t, err)
+	require.NotNil(t, topUp)
+	require.Equal(t, "2000000", topUp.GetAmount())
+	require.Equal(t, "2", decision.TopUpTRX.String())
+}
+
+func TestComputeGasTopUp_CapHit(t *testing.T) {
+	policy := shared.GasTopUpPolicy{
+		Default: shared.GasTopUpRule{
+			BufferPercent:    decimal.NewFromFloat(0),
+			MinNativeBalance: decimal.NewFromFloat(0),
+			RoundingUnit:     decimal.NewFromFloat(1),
+			MaxTopUp:         decimal.NewFromFloat(10),
+		},
+	}
+	network := tronNetwork(&policy)
+	wallet := &model.ManagedWallet{}
+
+	topUp, decision, err := ComputeGasTopUp(network, wallet, tronMoney("100"), tronMoney("0"))
+	require.NoError(t, err)
+	require.NotNil(t, topUp)
+	require.Equal(t, "10000000", topUp.GetAmount())
+	require.True(t, decision.CapHit)
+}
+
+func TestComputeGasTopUp_MinBalanceWhenRequiredZero(t *testing.T) {
+	network := tronNetwork(defaultPolicy())
+	wallet := &model.ManagedWallet{}
+
+	topUp, decision, err := ComputeGasTopUp(network, wallet, tronMoney("0"), tronMoney("5"))
+	require.NoError(t, err)
+	require.NotNil(t, topUp)
+	require.Equal(t, "15000000", topUp.GetAmount())
+	require.Equal(t, "15", decision.TopUpTRX.String())
+}
+
+func TestComputeGasTopUp_ContractPolicyOverride(t *testing.T) {
+	policy := shared.GasTopUpPolicy{
+		Default: shared.GasTopUpRule{
+			BufferPercent:    decimal.NewFromFloat(0.1),
+			MinNativeBalance: decimal.NewFromFloat(10),
+			RoundingUnit:     decimal.NewFromFloat(1),
+			MaxTopUp:         decimal.NewFromFloat(100),
+		},
+		Contract: &shared.GasTopUpRule{
+			BufferPercent:    decimal.NewFromFloat(0.5),
+			MinNativeBalance: decimal.NewFromFloat(5),
+			RoundingUnit:     decimal.NewFromFloat(1),
+			MaxTopUp:         decimal.NewFromFloat(100),
+		},
+	}
+	network := tronNetwork(&policy)
+	wallet := &model.ManagedWallet{ContractAddress: "0xcontract"}
+
+	topUp, decision, err := ComputeGasTopUp(network, wallet, tronMoney("10"), tronMoney("0"))
+	require.NoError(t, err)
+	require.NotNil(t, topUp)
+	require.Equal(t, "15000000", topUp.GetAmount())
+	require.Equal(t, "15", decision.TopUpTRX.String())
+	require.Equal(t, "trc20", decision.OperationType)
+}
+
+func defaultPolicy() *shared.GasTopUpPolicy {
+	return &shared.GasTopUpPolicy{
+		Default: shared.GasTopUpRule{
+			BufferPercent:    decimal.NewFromFloat(0.15),
+			MinNativeBalance: decimal.NewFromFloat(20),
+			RoundingUnit:     decimal.NewFromFloat(1),
+			MaxTopUp:         decimal.NewFromFloat(500),
+		},
+	}
+}
+
+func tronNetwork(policy *shared.GasTopUpPolicy) shared.Network {
+	return shared.Network{
+		Name:           "tron_mainnet",
+		NativeToken:    "TRX",
+		GasTopUpPolicy: policy,
+	}
+}
+
+func tronMoney(trx string) *moneyv1.Money {
+	value, _ := decimal.NewFromString(trx)
+	baseUnits := value.Mul(tronBaseUnitFactor).Truncate(0)
+	return &moneyv1.Money{
+		Currency: "TRX",
+		Amount:   baseUnits.StringFixed(0),
+	}
+}

api/gateway/chain/internal/service/gateway/service.go

@@ -126,6 +126,14 @@ func (s *Service) EstimateTransferFee(ctx context.Context, req *chainv1.Estimate
 	return executeUnary(ctx, s, "EstimateTransferFee", s.commands.EstimateTransfer.Execute, req)
 }
 
+func (s *Service) ComputeGasTopUp(ctx context.Context, req *chainv1.ComputeGasTopUpRequest) (*chainv1.ComputeGasTopUpResponse, error) {
+	return executeUnary(ctx, s, "ComputeGasTopUp", s.commands.ComputeGasTopUp.Execute, req)
+}
+
+func (s *Service) EnsureGasTopUp(ctx context.Context, req *chainv1.EnsureGasTopUpRequest) (*chainv1.EnsureGasTopUpResponse, error) {
+	return executeUnary(ctx, s, "EnsureGasTopUp", s.commands.EnsureGasTopUp.Execute, req)
+}
+
 func (s *Service) ensureRepository(ctx context.Context) error {
 	if s.storage == nil {
 		return errStorageUnavailable

api/gateway/chain/internal/service/gateway/service_test.go

@@ -66,6 +66,25 @@ func TestCreateManagedWallet_Idempotent(t *testing.T) {
 	require.Equal(t, 1, repo.wallets.count())
 }
 
+func TestCreateManagedWallet_NativeTokenWithoutContract(t *testing.T) {
+	svc, _ := newTestService(t)
+	ctx := context.Background()
+
+	resp, err := svc.CreateManagedWallet(ctx, &ichainv1.CreateManagedWalletRequest{
+		IdempotencyKey:  "idem-native",
+		OrganizationRef: "org-1",
+		OwnerRef:        "owner-1",
+		Asset: &ichainv1.Asset{
+			Chain:       ichainv1.ChainNetwork_CHAIN_NETWORK_ETHEREUM_MAINNET,
+			TokenSymbol: "ETH",
+		},
+	})
+	require.NoError(t, err)
+	require.NotNil(t, resp.GetWallet())
+	require.Equal(t, "ETH", resp.GetWallet().GetAsset().GetTokenSymbol())
+	require.Empty(t, resp.GetWallet().GetAsset().GetContractAddress())
+}
+
 func TestSubmitTransfer_ManagedDestination(t *testing.T) {
 	svc, repo := newTestService(t)
 	ctx := context.Background()
@@ -144,6 +163,37 @@ func TestGetWalletBalance_NotFound(t *testing.T) {
 	require.Equal(t, codes.NotFound, st.Code())
 }
 
+func TestGetWalletBalance_ReturnsCachedNativeAvailable(t *testing.T) {
+	svc, repo := newTestService(t)
+	ctx := context.Background()
+
+	createResp, err := svc.CreateManagedWallet(ctx, &ichainv1.CreateManagedWalletRequest{
+		IdempotencyKey:  "idem-balance",
+		OrganizationRef: "org-1",
+		OwnerRef:        "owner-1",
+		Asset: &ichainv1.Asset{
+			Chain:       ichainv1.ChainNetwork_CHAIN_NETWORK_ETHEREUM_MAINNET,
+			TokenSymbol: "USDC",
+		},
+	})
+	require.NoError(t, err)
+	walletRef := createResp.GetWallet().GetWalletRef()
+
+	err = repo.wallets.SaveBalance(ctx, &model.WalletBalance{
+		WalletRef:       walletRef,
+		Available:       &moneyv1.Money{Currency: "USDC", Amount: "25"},
+		NativeAvailable: &moneyv1.Money{Currency: "ETH", Amount: "0.5"},
+		CalculatedAt:    time.Now().UTC(),
+	})
+	require.NoError(t, err)
+
+	resp, err := svc.GetWalletBalance(ctx, &ichainv1.GetWalletBalanceRequest{WalletRef: walletRef})
+	require.NoError(t, err)
+	require.NotNil(t, resp.GetBalance())
+	require.Equal(t, "0.5", resp.GetBalance().GetNativeAvailable().GetAmount())
+	require.Equal(t, "ETH", resp.GetBalance().GetNativeAvailable().GetCurrency())
+}
+
 // ---- in-memory storage implementation ----
 
 type inMemoryRepository struct {
@@ -531,7 +581,8 @@ func newTestService(t *testing.T) (*Service, *inMemoryRepository) {
 	repo := newInMemoryRepository()
 	logger := zap.NewNop()
 	networks := []shared.Network{{
-		Name: "ethereum_mainnet",
+		Name:        "ethereum_mainnet",
+		NativeToken: "ETH",
 		TokenConfigs: []shared.TokenContract{
 			{Symbol: "USDC", ContractAddress: "0xusdc"},
 		},

api/gateway/chain/internal/service/gateway/shared/gas_topup.go

@@ -0,0 +1,32 @@
+package shared
+
+import "github.com/shopspring/decimal"
+
+// GasTopUpRule defines buffer, minimum, rounding, and cap behavior for native gas top-ups.
+type GasTopUpRule struct {
+	BufferPercent    decimal.Decimal
+	MinNativeBalance decimal.Decimal
+	RoundingUnit     decimal.Decimal
+	MaxTopUp         decimal.Decimal
+}
+
+// GasTopUpPolicy captures default and optional overrides for native vs contract transfers.
+type GasTopUpPolicy struct {
+	Default  GasTopUpRule
+	Native   *GasTopUpRule
+	Contract *GasTopUpRule
+}
+
+// Rule selects the policy rule for the transfer type.
+func (p *GasTopUpPolicy) Rule(contractTransfer bool) (GasTopUpRule, bool) {
+	if p == nil {
+		return GasTopUpRule{}, false
+	}
+	if contractTransfer && p.Contract != nil {
+		return *p.Contract, true
+	}
+	if !contractTransfer && p.Native != nil {
+		return *p.Native, true
+	}
+	return p.Default, true
+}

api/gateway/chain/internal/service/gateway/shared/helpers.go

@@ -121,11 +121,12 @@ func TransferStatusToProto(status model.TransferStatus) chainv1.TransferStatus {
 
 // Network describes a supported blockchain network and known token contracts.
 type Network struct {
-	Name         string
-	RPCURL       string
-	ChainID      uint64
-	NativeToken  string
-	TokenConfigs []TokenContract
+	Name           string
+	RPCURL         string
+	ChainID        uint64
+	NativeToken    string
+	TokenConfigs   []TokenContract
+	GasTopUpPolicy *GasTopUpPolicy
 }
 
 // TokenContract captures the metadata needed to work with a specific on-chain token.

api/gateway/chain/storage/model/wallet.go

@@ -47,6 +47,7 @@ type WalletBalance struct {
 
 	WalletRef       string         `bson:"walletRef" json:"walletRef"`
 	Available       *moneyv1.Money `bson:"available" json:"available"`
+	NativeAvailable *moneyv1.Money `bson:"nativeAvailable,omitempty" json:"nativeAvailable,omitempty"`
 	PendingInbound  *moneyv1.Money `bson:"pendingInbound,omitempty" json:"pendingInbound,omitempty"`
 	PendingOutbound *moneyv1.Money `bson:"pendingOutbound,omitempty" json:"pendingOutbound,omitempty"`
 	CalculatedAt    time.Time      `bson:"calculatedAt" json:"calculatedAt"`

api/payments/orchestrator/config.yml

@@ -59,8 +59,8 @@ oracle:
 
 card_gateways:
   monetix:
-    funding_address: "wallet_funding_monetix"
-    fee_address: "wallet_fee_monetix"
+    funding_address: "TGBDXEg9rxSqGFJDcb889zqTjDwx1bmLRF"
+    fee_wallet_ref: "694c124fd76f9f811ac57134"
 
 fee_ledger_accounts:
   monetix: "ledger:fees:monetix"

api/payments/orchestrator/internal/server/internal/serverimp.go

@@ -59,6 +59,7 @@ type clientConfig struct {
 type cardGatewayRouteConfig struct {
 	FundingAddress string `yaml:"funding_address"`
 	FeeAddress     string `yaml:"fee_address"`
+	FeeWalletRef   string `yaml:"fee_wallet_ref"`
 }
 
 func (c clientConfig) address() string {
@@ -323,6 +324,7 @@ func buildCardGatewayRoutes(src map[string]cardGatewayRouteConfig) map[string]or
 		result[trimmedKey] = orchestrator.CardGatewayRoute{
 			FundingAddress: strings.TrimSpace(route.FundingAddress),
 			FeeAddress:     strings.TrimSpace(route.FeeAddress),
+			FeeWalletRef:   strings.TrimSpace(route.FeeWalletRef),
 		}
 	}
 	return result

api/payments/orchestrator/internal/service/orchestrator/card_payout.go

@@ -7,13 +7,21 @@ import (
 	"github.com/shopspring/decimal"
 	"github.com/tech/sendico/payments/orchestrator/storage/model"
 	"github.com/tech/sendico/pkg/merrors"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
 	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
 	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
 	"go.uber.org/zap"
 )
 
-const defaultCardGateway = "monetix"
+const (
+	defaultCardGateway = "monetix"
+
+	stepCodeGasTopUp        = "gas_top_up"
+	stepCodeFundingTransfer = "funding_transfer"
+	stepCodeCardPayout      = "card_payout"
+	stepCodeFeeTransfer     = "fee_transfer"
+)
 
 func (s *Service) cardRoute(gateway string) (CardGatewayRoute, error) {
 	if len(s.deps.cardRoutes) == 0 {
@@ -54,24 +62,214 @@ func (s *Service) submitCardFundingTransfers(ctx context.Context, payment *model
 	if err != nil {
 		return err
 	}
+	sourceWalletRef := strings.TrimSpace(source.ManagedWalletRef)
+	fundingAddress := strings.TrimSpace(route.FundingAddress)
+	feeWalletRef := strings.TrimSpace(route.FeeWalletRef)
 
 	amount := cloneMoney(intent.Amount)
-	if amount == nil {
+	if amount == nil || strings.TrimSpace(amount.GetAmount()) == "" || strings.TrimSpace(amount.GetCurrency()) == "" {
 		return merrors.InvalidArgument("card funding: amount is required")
 	}
 
+	payoutAmount, err := cardPayoutAmount(payment)
+	if err != nil {
+		return err
+	}
+
+	feeMoney := (*moneyv1.Money)(nil)
+	if quote != nil {
+		feeMoney = quote.GetExpectedFeeTotal()
+	}
+	if feeMoney == nil && payment.LastQuote != nil {
+		feeMoney = payment.LastQuote.ExpectedFeeTotal
+	}
+	feeDecimal := decimal.Zero
+	if feeMoney != nil && strings.TrimSpace(feeMoney.GetAmount()) != "" {
+		if strings.TrimSpace(feeMoney.GetCurrency()) == "" {
+			return merrors.InvalidArgument("card funding: fee currency is required")
+		}
+		feeDecimal, err = decimalFromMoney(feeMoney)
+		if err != nil {
+			return err
+		}
+	}
+	feeRequired := feeDecimal.IsPositive()
+
+	fundingDest := &chainv1.TransferDestination{
+		Destination: &chainv1.TransferDestination_ExternalAddress{ExternalAddress: fundingAddress},
+	}
+	fundingFee, err := s.estimateTransferNetworkFee(ctx, sourceWalletRef, fundingDest, amount)
+	if err != nil {
+		return err
+	}
+
+	var feeTransferFee *moneyv1.Money
+	if feeRequired {
+		if feeWalletRef == "" {
+			return merrors.InvalidArgument("card funding: fee wallet ref is required when fee exists")
+		}
+		feeDest := &chainv1.TransferDestination{
+			Destination: &chainv1.TransferDestination_ManagedWalletRef{ManagedWalletRef: feeWalletRef},
+		}
+		feeTransferFee, err = s.estimateTransferNetworkFee(ctx, sourceWalletRef, feeDest, feeMoney)
+		if err != nil {
+			return err
+		}
+	}
+
+	totalFee, gasCurrency, err := sumNetworkFees(fundingFee, feeTransferFee)
+	if err != nil {
+		return err
+	}
+
+	var estimatedTotalFee *moneyv1.Money
+	if gasCurrency != "" && !totalFee.IsNegative() {
+		estimatedTotalFee = makeMoney(gasCurrency, totalFee)
+	}
+
+	var topUpMoney *moneyv1.Money
+	var topUpFee *moneyv1.Money
+	topUpPositive := false
+	if estimatedTotalFee != nil {
+		computeResp, err := s.deps.gateway.client.ComputeGasTopUp(ctx, &chainv1.ComputeGasTopUpRequest{
+			WalletRef:         sourceWalletRef,
+			EstimatedTotalFee: estimatedTotalFee,
+		})
+		if err != nil {
+			s.logger.Warn("card funding gas top-up compute failed", zap.Error(err), zap.String("payment_ref", payment.PaymentRef))
+			return err
+		}
+		if computeResp != nil {
+			topUpMoney = computeResp.GetTopupAmount()
+		}
+		if topUpMoney != nil && strings.TrimSpace(topUpMoney.GetAmount()) != "" {
+			amountDec, err := decimalFromMoney(topUpMoney)
+			if err != nil {
+				return err
+			}
+			topUpPositive = amountDec.IsPositive()
+		}
+		if topUpMoney != nil && topUpPositive {
+			if strings.TrimSpace(topUpMoney.GetCurrency()) == "" {
+				return merrors.InvalidArgument("card funding: gas top-up currency is required")
+			}
+			if feeWalletRef == "" {
+				return merrors.InvalidArgument("card funding: fee wallet ref is required for gas top-up")
+			}
+			topUpDest := &chainv1.TransferDestination{
+				Destination: &chainv1.TransferDestination_ManagedWalletRef{ManagedWalletRef: sourceWalletRef},
+			}
+			topUpFee, err = s.estimateTransferNetworkFee(ctx, feeWalletRef, topUpDest, topUpMoney)
+			if err != nil {
+				return err
+			}
+		}
+	}
+
+	plan := ensureExecutionPlan(payment)
+	var gasStep *model.ExecutionStep
+	if topUpMoney != nil && topUpPositive {
+		gasStep = ensureExecutionStep(plan, stepCodeGasTopUp)
+		gasStep.Description = "Top up native gas from fee wallet"
+		gasStep.Amount = cloneMoney(topUpMoney)
+		gasStep.NetworkFee = cloneMoney(topUpFee)
+		gasStep.SourceWalletRef = feeWalletRef
+		gasStep.DestinationRef = sourceWalletRef
+	}
+
+	fundStep := ensureExecutionStep(plan, stepCodeFundingTransfer)
+	fundStep.Description = "Transfer payout amount to card funding wallet"
+	fundStep.Amount = cloneMoney(amount)
+	fundStep.NetworkFee = cloneMoney(fundingFee)
+	fundStep.SourceWalletRef = sourceWalletRef
+	fundStep.DestinationRef = fundingAddress
+
+	cardStep := ensureExecutionStep(plan, stepCodeCardPayout)
+	cardStep.Description = "Submit card payout"
+	cardStep.Amount = cloneMoney(payoutAmount)
+	if card := intent.Destination.Card; card != nil {
+		if masked := strings.TrimSpace(card.MaskedPan); masked != "" {
+			cardStep.DestinationRef = masked
+		}
+	}
+
+	if feeRequired {
+		step := ensureExecutionStep(plan, stepCodeFeeTransfer)
+		step.Description = "Transfer fee to fee wallet"
+		step.Amount = cloneMoney(feeMoney)
+		step.NetworkFee = cloneMoney(feeTransferFee)
+		step.SourceWalletRef = sourceWalletRef
+		step.DestinationRef = feeWalletRef
+	}
+
+	updateExecutionPlanTotalNetworkFee(plan)
+
 	exec := payment.Execution
 	if exec == nil {
 		exec = &model.ExecutionRefs{}
 	}
 
+	if topUpMoney != nil && topUpPositive {
+		ensureResp, gasErr := s.deps.gateway.client.EnsureGasTopUp(ctx, &chainv1.EnsureGasTopUpRequest{
+			IdempotencyKey:    payment.IdempotencyKey + ":card:gas",
+			OrganizationRef:   payment.OrganizationRef.Hex(),
+			SourceWalletRef:   feeWalletRef,
+			TargetWalletRef:   sourceWalletRef,
+			EstimatedTotalFee: estimatedTotalFee,
+			Metadata:          cloneMetadata(payment.Metadata),
+			ClientReference:   payment.PaymentRef,
+		})
+		if gasErr != nil {
+			s.logger.Warn("card gas top-up transfer failed", zap.Error(gasErr), zap.String("payment_ref", payment.PaymentRef))
+			return gasErr
+		}
+		if gasStep != nil {
+			actual := (*moneyv1.Money)(nil)
+			if ensureResp != nil {
+				actual = ensureResp.GetTopupAmount()
+				if transfer := ensureResp.GetTransfer(); transfer != nil {
+					gasStep.TransferRef = strings.TrimSpace(transfer.GetTransferRef())
+				}
+			}
+			actualPositive := false
+			if actual != nil && strings.TrimSpace(actual.GetAmount()) != "" {
+				actualDec, err := decimalFromMoney(actual)
+				if err != nil {
+					return err
+				}
+				actualPositive = actualDec.IsPositive()
+			}
+			if actual != nil && actualPositive {
+				gasStep.Amount = cloneMoney(actual)
+				if strings.TrimSpace(actual.GetCurrency()) == "" {
+					return merrors.InvalidArgument("card funding: gas top-up currency is required")
+				}
+				topUpDest := &chainv1.TransferDestination{
+					Destination: &chainv1.TransferDestination_ManagedWalletRef{ManagedWalletRef: sourceWalletRef},
+				}
+				topUpFee, err = s.estimateTransferNetworkFee(ctx, feeWalletRef, topUpDest, actual)
+				if err != nil {
+					return err
+				}
+				gasStep.NetworkFee = cloneMoney(topUpFee)
+			} else {
+				gasStep.Amount = nil
+				gasStep.NetworkFee = nil
+			}
+		}
+		if gasStep != nil {
+			s.logger.Info("card gas top-up transfer submitted", zap.String("payment_ref", payment.PaymentRef), zap.String("transfer_ref", gasStep.TransferRef))
+		}
+		updateExecutionPlanTotalNetworkFee(plan)
+	}
+
 	// Transfer payout amount to funding wallet.
 	fundReq := &chainv1.SubmitTransferRequest{
 		IdempotencyKey:  payment.IdempotencyKey + ":card:fund",
 		OrganizationRef: payment.OrganizationRef.Hex(),
-		SourceWalletRef: strings.TrimSpace(source.ManagedWalletRef),
+		SourceWalletRef: sourceWalletRef,
 		Destination: &chainv1.TransferDestination{
-			Destination: &chainv1.TransferDestination_ExternalAddress{ExternalAddress: strings.TrimSpace(route.FundingAddress)},
+			Destination: &chainv1.TransferDestination_ExternalAddress{ExternalAddress: fundingAddress},
 		},
 		Amount:          amount,
 		Metadata:        cloneMetadata(payment.Metadata),
@@ -84,42 +282,10 @@ func (s *Service) submitCardFundingTransfers(ctx context.Context, payment *model
 	}
 	if fundResp != nil && fundResp.GetTransfer() != nil {
 		exec.ChainTransferRef = strings.TrimSpace(fundResp.GetTransfer().GetTransferRef())
+		fundStep.TransferRef = exec.ChainTransferRef
 	}
 	s.logger.Info("card funding transfer submitted", zap.String("payment_ref", payment.PaymentRef), zap.String("transfer_ref", exec.ChainTransferRef))
 
-	feeMoney := quote.GetExpectedFeeTotal()
-	if feeMoney != nil && strings.TrimSpace(feeMoney.GetAmount()) != "" {
-		if strings.TrimSpace(route.FeeAddress) == "" {
-			return merrors.InvalidArgument("card funding: fee address is required when fee exists")
-		}
-		feeDecimal, err := decimalFromMoney(feeMoney)
-		if err != nil {
-			return err
-		}
-		if feeDecimal.IsPositive() {
-			feeReq := &chainv1.SubmitTransferRequest{
-				IdempotencyKey:  payment.IdempotencyKey + ":card:fee",
-				OrganizationRef: payment.OrganizationRef.Hex(),
-				SourceWalletRef: strings.TrimSpace(source.ManagedWalletRef),
-				Destination: &chainv1.TransferDestination{
-					Destination: &chainv1.TransferDestination_ExternalAddress{ExternalAddress: strings.TrimSpace(route.FeeAddress)},
-				},
-				Amount:          feeMoney,
-				Metadata:        cloneMetadata(payment.Metadata),
-				ClientReference: payment.PaymentRef,
-			}
-			feeResp, feeErr := s.deps.gateway.client.SubmitTransfer(ctx, feeReq)
-			if feeErr != nil {
-				s.logger.Warn("card fee transfer failed", zap.Error(feeErr), zap.String("payment_ref", payment.PaymentRef))
-				return feeErr
-			}
-			if feeResp != nil && feeResp.GetTransfer() != nil {
-				exec.FeeTransferRef = strings.TrimSpace(feeResp.GetTransfer().GetTransferRef())
-			}
-			s.logger.Info("card fee transfer submitted", zap.String("payment_ref", payment.PaymentRef), zap.String("transfer_ref", exec.FeeTransferRef))
-		}
-	}
-
 	payment.Execution = exec
 	return nil
 }
@@ -133,9 +299,9 @@ func (s *Service) submitCardPayout(ctx context.Context, payment *model.Payment)
 	if card == nil {
 		return merrors.InvalidArgument("card payout: card endpoint is required")
 	}
-	amount := cloneMoney(intent.Amount)
-	if amount == nil || strings.TrimSpace(amount.GetAmount()) == "" || strings.TrimSpace(amount.GetCurrency()) == "" {
-		return merrors.InvalidArgument("card payout: amount is required")
+	amount, err := cardPayoutAmount(payment)
+	if err != nil {
+		return err
 	}
 	amtDec, err := decimalFromMoney(amount)
 	if err != nil {
@@ -193,13 +359,92 @@ func (s *Service) submitCardPayout(ctx context.Context, payment *model.Payment)
 		return merrors.Internal("card payout: missing payout state")
 	}
 	recordCardPayoutState(payment, state)
-	if payment.Execution == nil {
-		payment.Execution = &model.ExecutionRefs{}
+	exec := payment.Execution
+	if exec == nil {
+		exec = &model.ExecutionRefs{}
 	}
-	if payment.Execution.CardPayoutRef == "" {
-		payment.Execution.CardPayoutRef = strings.TrimSpace(state.GetPayoutId())
+	if exec.CardPayoutRef == "" {
+		exec.CardPayoutRef = strings.TrimSpace(state.GetPayoutId())
 	}
-	s.logger.Info("card payout submitted", zap.String("payment_ref", payment.PaymentRef), zap.String("payout_id", payment.Execution.CardPayoutRef))
+	payment.Execution = exec
+
+	plan := ensureExecutionPlan(payment)
+	if plan != nil {
+		step := ensureExecutionStep(plan, stepCodeCardPayout)
+		step.Description = "Submit card payout"
+		step.Amount = cloneMoney(amount)
+		if masked := strings.TrimSpace(card.MaskedPan); masked != "" {
+			step.DestinationRef = masked
+		}
+		if exec.CardPayoutRef != "" {
+			step.TransferRef = exec.CardPayoutRef
+		}
+		updateExecutionPlanTotalNetworkFee(plan)
+	}
+
+	feeMoney := (*moneyv1.Money)(nil)
+	if payment.LastQuote != nil {
+		feeMoney = payment.LastQuote.ExpectedFeeTotal
+	}
+	if feeMoney != nil && strings.TrimSpace(feeMoney.GetAmount()) != "" {
+		if strings.TrimSpace(feeMoney.GetCurrency()) == "" {
+			return merrors.InvalidArgument("card payout: fee currency is required")
+		}
+		feeDecimal, err := decimalFromMoney(feeMoney)
+		if err != nil {
+			return err
+		}
+		if feeDecimal.IsPositive() {
+			if !s.deps.gateway.available() {
+				s.logger.Warn("card fee aborted: chain gateway unavailable")
+				return merrors.InvalidArgument("card payout: chain gateway unavailable")
+			}
+			sourceWallet := intent.Source.ManagedWallet
+			if sourceWallet == nil || strings.TrimSpace(sourceWallet.ManagedWalletRef) == "" {
+				return merrors.InvalidArgument("card payout: source managed wallet is required")
+			}
+			route, err := s.cardRoute(defaultCardGateway)
+			if err != nil {
+				return err
+			}
+			feeWalletRef := strings.TrimSpace(route.FeeWalletRef)
+			if feeWalletRef == "" {
+				return merrors.InvalidArgument("card payout: fee wallet ref is required when fee exists")
+			}
+			feeReq := &chainv1.SubmitTransferRequest{
+				IdempotencyKey:  payment.IdempotencyKey + ":card:fee",
+				OrganizationRef: payment.OrganizationRef.Hex(),
+				SourceWalletRef: strings.TrimSpace(sourceWallet.ManagedWalletRef),
+				Destination: &chainv1.TransferDestination{
+					Destination: &chainv1.TransferDestination_ManagedWalletRef{ManagedWalletRef: feeWalletRef},
+				},
+				Amount:          feeMoney,
+				Metadata:        cloneMetadata(payment.Metadata),
+				ClientReference: payment.PaymentRef,
+			}
+			feeResp, feeErr := s.deps.gateway.client.SubmitTransfer(ctx, feeReq)
+			if feeErr != nil {
+				s.logger.Warn("card fee transfer failed", zap.Error(feeErr), zap.String("payment_ref", payment.PaymentRef))
+				return feeErr
+			}
+			if feeResp != nil && feeResp.GetTransfer() != nil {
+				exec.FeeTransferRef = strings.TrimSpace(feeResp.GetTransfer().GetTransferRef())
+			}
+			s.logger.Info("card fee transfer submitted", zap.String("payment_ref", payment.PaymentRef), zap.String("transfer_ref", exec.FeeTransferRef))
+
+			if plan != nil {
+				step := ensureExecutionStep(plan, stepCodeFeeTransfer)
+				step.Description = "Transfer fee to fee wallet"
+				step.Amount = cloneMoney(feeMoney)
+				step.SourceWalletRef = strings.TrimSpace(sourceWallet.ManagedWalletRef)
+				step.DestinationRef = feeWalletRef
+				step.TransferRef = exec.FeeTransferRef
+				updateExecutionPlanTotalNetworkFee(plan)
+			}
+		}
+	}
+
+	s.logger.Info("card payout submitted", zap.String("payment_ref", payment.PaymentRef), zap.String("payout_id", exec.CardPayoutRef))
 
 	return nil
 }
@@ -250,3 +495,147 @@ func applyCardPayoutUpdate(payment *model.Payment, payout *mntxv1.CardPayoutStat
 		// leave as-is for pending/unspecified
 	}
 }
+
+func cardPayoutAmount(payment *model.Payment) (*moneyv1.Money, error) {
+	if payment == nil {
+		return nil, merrors.InvalidArgument("payment is required")
+	}
+	amount := cloneMoney(payment.Intent.Amount)
+	if payment.LastQuote != nil {
+		settlement := payment.LastQuote.ExpectedSettlementAmount
+		if settlement != nil && strings.TrimSpace(settlement.GetAmount()) != "" && strings.TrimSpace(settlement.GetCurrency()) != "" {
+			amount = cloneMoney(settlement)
+		}
+	}
+	if amount == nil || strings.TrimSpace(amount.GetAmount()) == "" || strings.TrimSpace(amount.GetCurrency()) == "" {
+		return nil, merrors.InvalidArgument("card payout: amount is required")
+	}
+	return amount, nil
+}
+
+func (s *Service) estimateTransferNetworkFee(ctx context.Context, sourceWalletRef string, destination *chainv1.TransferDestination, amount *moneyv1.Money) (*moneyv1.Money, error) {
+	if !s.deps.gateway.available() {
+		return nil, merrors.InvalidArgument("chain gateway unavailable")
+	}
+	sourceWalletRef = strings.TrimSpace(sourceWalletRef)
+	if sourceWalletRef == "" {
+		return nil, merrors.InvalidArgument("source wallet ref is required")
+	}
+	if amount == nil || strings.TrimSpace(amount.GetAmount()) == "" || strings.TrimSpace(amount.GetCurrency()) == "" {
+		return nil, merrors.InvalidArgument("amount is required")
+	}
+
+	resp, err := s.deps.gateway.client.EstimateTransferFee(ctx, &chainv1.EstimateTransferFeeRequest{
+		SourceWalletRef: sourceWalletRef,
+		Destination:     destination,
+		Amount:          cloneMoney(amount),
+	})
+	if err != nil {
+		s.logger.Warn("chain gateway fee estimation failed", zap.Error(err), zap.String("source_wallet_ref", sourceWalletRef))
+		return nil, merrors.Internal("chain_gateway_fee_estimation_failed")
+	}
+	if resp == nil {
+		s.logger.Warn("chain gateway fee estimation returned empty response", zap.String("source_wallet_ref", sourceWalletRef))
+		return nil, merrors.Internal("chain_gateway_fee_estimation_failed")
+	}
+	fee := resp.GetNetworkFee()
+	if fee == nil || strings.TrimSpace(fee.GetAmount()) == "" || strings.TrimSpace(fee.GetCurrency()) == "" {
+		s.logger.Warn("chain gateway fee estimation missing network fee", zap.String("source_wallet_ref", sourceWalletRef))
+		return nil, merrors.Internal("chain_gateway_fee_estimation_failed")
+	}
+	return cloneMoney(fee), nil
+}
+
+func sumNetworkFees(fees ...*moneyv1.Money) (decimal.Decimal, string, error) {
+	total := decimal.Zero
+	currency := ""
+	for _, fee := range fees {
+		if fee == nil {
+			continue
+		}
+		amount := strings.TrimSpace(fee.GetAmount())
+		feeCurrency := strings.TrimSpace(fee.GetCurrency())
+		if amount == "" || feeCurrency == "" {
+			return decimal.Zero, "", merrors.InvalidArgument("network fee is required")
+		}
+		value, err := decimalFromMoney(fee)
+		if err != nil {
+			return decimal.Zero, "", err
+		}
+		if currency == "" {
+			currency = feeCurrency
+		} else if !strings.EqualFold(currency, feeCurrency) {
+			return decimal.Zero, "", merrors.InvalidArgument("network fee currency mismatch")
+		}
+		total = total.Add(value)
+	}
+	return total, currency, nil
+}
+
+func ensureExecutionPlan(payment *model.Payment) *model.ExecutionPlan {
+	if payment == nil {
+		return nil
+	}
+	if payment.ExecutionPlan == nil {
+		payment.ExecutionPlan = &model.ExecutionPlan{}
+	}
+	return payment.ExecutionPlan
+}
+
+func ensureExecutionStep(plan *model.ExecutionPlan, code string) *model.ExecutionStep {
+	if plan == nil {
+		return nil
+	}
+	code = strings.TrimSpace(code)
+	if code == "" {
+		return nil
+	}
+	for _, step := range plan.Steps {
+		if step == nil {
+			continue
+		}
+		if strings.EqualFold(step.Code, code) {
+			if step.Code == "" {
+				step.Code = code
+			}
+			return step
+		}
+	}
+	step := &model.ExecutionStep{Code: code}
+	plan.Steps = append(plan.Steps, step)
+	return step
+}
+
+func updateExecutionPlanTotalNetworkFee(plan *model.ExecutionPlan) {
+	if plan == nil {
+		return
+	}
+	total := decimal.Zero
+	currency := ""
+	hasFee := false
+	for _, step := range plan.Steps {
+		if step == nil || step.NetworkFee == nil {
+			continue
+		}
+		fee := step.NetworkFee
+		if strings.TrimSpace(fee.GetAmount()) == "" || strings.TrimSpace(fee.GetCurrency()) == "" {
+			continue
+		}
+		if currency == "" {
+			currency = strings.TrimSpace(fee.GetCurrency())
+		} else if !strings.EqualFold(currency, fee.GetCurrency()) {
+			continue
+		}
+		value, err := decimalFromMoney(fee)
+		if err != nil {
+			continue
+		}
+		total = total.Add(value)
+		hasFee = true
+	}
+	if !hasFee || currency == "" {
+		plan.TotalNetworkFee = nil
+		return
+	}
+	plan.TotalNetworkFee = makeMoney(currency, total)
+}

api/payments/orchestrator/internal/service/orchestrator/card_payout_test.go

@@ -0,0 +1,407 @@
+package orchestrator
+
+import (
+	"context"
+	"strings"
+	"testing"
+
+	chainclient "github.com/tech/sendico/gateway/chain/client"
+	mntxclient "github.com/tech/sendico/gateway/mntx/client"
+	"github.com/tech/sendico/payments/orchestrator/storage/model"
+	mo "github.com/tech/sendico/pkg/model"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+	"go.mongodb.org/mongo-driver/bson/primitive"
+	"go.uber.org/zap"
+)
+
+func TestSubmitCardFundingTransfers_PlansTopUpAndFunding(t *testing.T) {
+	ctx := context.Background()
+
+	const (
+		sourceWalletRef = "wallet-src"
+		feeWalletRef    = "wallet-fee"
+		fundingAddress  = "0xfunding"
+	)
+
+	var estimateCalls []*chainv1.EstimateTransferFeeRequest
+	var computeCalls []*chainv1.ComputeGasTopUpRequest
+	var ensureCalls []*chainv1.EnsureGasTopUpRequest
+	var submitCalls []*chainv1.SubmitTransferRequest
+
+	gateway := &chainclient.Fake{
+		EstimateTransferFeeFn: func(ctx context.Context, req *chainv1.EstimateTransferFeeRequest) (*chainv1.EstimateTransferFeeResponse, error) {
+			estimateCalls = append(estimateCalls, req)
+			dest := req.GetDestination()
+			if req.GetSourceWalletRef() == feeWalletRef {
+				return &chainv1.EstimateTransferFeeResponse{
+					NetworkFee: &moneyv1.Money{Currency: "ETH", Amount: "0.005"},
+				}, nil
+			}
+			if dest != nil && strings.TrimSpace(dest.GetExternalAddress()) != "" {
+				return &chainv1.EstimateTransferFeeResponse{
+					NetworkFee: &moneyv1.Money{Currency: "ETH", Amount: "0.01"},
+				}, nil
+			}
+			return &chainv1.EstimateTransferFeeResponse{
+				NetworkFee: &moneyv1.Money{Currency: "ETH", Amount: "0.02"},
+			}, nil
+		},
+		ComputeGasTopUpFn: func(ctx context.Context, req *chainv1.ComputeGasTopUpRequest) (*chainv1.ComputeGasTopUpResponse, error) {
+			computeCalls = append(computeCalls, req)
+			return &chainv1.ComputeGasTopUpResponse{
+				TopupAmount: &moneyv1.Money{Currency: "ETH", Amount: "0.025"},
+			}, nil
+		},
+		EnsureGasTopUpFn: func(ctx context.Context, req *chainv1.EnsureGasTopUpRequest) (*chainv1.EnsureGasTopUpResponse, error) {
+			ensureCalls = append(ensureCalls, req)
+			return &chainv1.EnsureGasTopUpResponse{
+				TopupAmount: &moneyv1.Money{Currency: "ETH", Amount: "0.025"},
+				Transfer:    &chainv1.Transfer{TransferRef: req.GetIdempotencyKey()},
+			}, nil
+		},
+		SubmitTransferFn: func(ctx context.Context, req *chainv1.SubmitTransferRequest) (*chainv1.SubmitTransferResponse, error) {
+			submitCalls = append(submitCalls, req)
+			return &chainv1.SubmitTransferResponse{
+				Transfer: &chainv1.Transfer{TransferRef: req.GetIdempotencyKey()},
+			}, nil
+		},
+	}
+
+	svc := &Service{
+		logger: zap.NewNop(),
+		deps: serviceDependencies{
+			gateway: gatewayDependency{client: gateway},
+			cardRoutes: map[string]CardGatewayRoute{
+				defaultCardGateway: {
+					FundingAddress: fundingAddress,
+					FeeWalletRef:   feeWalletRef,
+				},
+			},
+		},
+	}
+
+	payment := &model.Payment{
+		PaymentRef:            "pay-1",
+		IdempotencyKey:        "pay-1",
+		OrganizationBoundBase: mo.OrganizationBoundBase{OrganizationRef: primitive.NewObjectID()},
+		Intent: model.PaymentIntent{
+			Kind: model.PaymentKindPayout,
+			Source: model.PaymentEndpoint{
+				Type: model.EndpointTypeManagedWallet,
+				ManagedWallet: &model.ManagedWalletEndpoint{
+					ManagedWalletRef: sourceWalletRef,
+				},
+			},
+			Destination: model.PaymentEndpoint{
+				Type: model.EndpointTypeCard,
+				Card: &model.CardEndpoint{
+					MaskedPan: "4111",
+				},
+			},
+			Amount: &moneyv1.Money{Currency: "USDT", Amount: "5"},
+		},
+	}
+
+	quote := &orchestratorv1.PaymentQuote{
+		ExpectedFeeTotal: &moneyv1.Money{Currency: "USDT", Amount: "0.35"},
+	}
+
+	if err := svc.submitCardFundingTransfers(ctx, payment, quote); err != nil {
+		t.Fatalf("submitCardFundingTransfers error: %v", err)
+	}
+
+	if len(estimateCalls) != 4 {
+		t.Fatalf("expected 4 fee estimates, got %d", len(estimateCalls))
+	}
+	if len(computeCalls) != 1 {
+		t.Fatalf("expected 1 gas top-up compute call, got %d", len(computeCalls))
+	}
+	if len(ensureCalls) != 1 {
+		t.Fatalf("expected 1 gas top-up ensure call, got %d", len(ensureCalls))
+	}
+	if len(submitCalls) != 1 {
+		t.Fatalf("expected 1 transfer submission, got %d", len(submitCalls))
+	}
+
+	computeCall := computeCalls[0]
+	if computeCall.GetWalletRef() != sourceWalletRef {
+		t.Fatalf("gas top-up compute wallet mismatch: %s", computeCall.GetWalletRef())
+	}
+	if computeCall.GetEstimatedTotalFee().GetCurrency() != "ETH" || computeCall.GetEstimatedTotalFee().GetAmount() != "0.03" {
+		t.Fatalf("gas top-up compute fee mismatch: %s %s", computeCall.GetEstimatedTotalFee().GetCurrency(), computeCall.GetEstimatedTotalFee().GetAmount())
+	}
+
+	ensureCall := ensureCalls[0]
+	if ensureCall.GetSourceWalletRef() != feeWalletRef {
+		t.Fatalf("gas top-up source wallet mismatch: %s", ensureCall.GetSourceWalletRef())
+	}
+	if ensureCall.GetTargetWalletRef() != sourceWalletRef {
+		t.Fatalf("gas top-up destination mismatch: %s", ensureCall.GetTargetWalletRef())
+	}
+	if ensureCall.GetEstimatedTotalFee().GetCurrency() != "ETH" || ensureCall.GetEstimatedTotalFee().GetAmount() != "0.03" {
+		t.Fatalf("gas top-up ensure fee mismatch: %s %s", ensureCall.GetEstimatedTotalFee().GetCurrency(), ensureCall.GetEstimatedTotalFee().GetAmount())
+	}
+
+	fundCall := findSubmitCall(t, submitCalls, "pay-1:card:fund")
+	if fundCall.GetDestination().GetExternalAddress() != fundingAddress {
+		t.Fatalf("funding destination mismatch: %s", fundCall.GetDestination().GetExternalAddress())
+	}
+	if fundCall.GetAmount().GetCurrency() != "USDT" || fundCall.GetAmount().GetAmount() != "5" {
+		t.Fatalf("funding amount mismatch: %s %s", fundCall.GetAmount().GetCurrency(), fundCall.GetAmount().GetAmount())
+	}
+
+	if payment.Execution == nil || payment.Execution.ChainTransferRef != "pay-1:card:fund" {
+		t.Fatalf("expected funding transfer ref recorded, got %v", payment.Execution)
+	}
+
+	plan := payment.ExecutionPlan
+	if plan == nil {
+		t.Fatal("expected execution plan to be populated")
+	}
+	gasStep := findExecutionStep(t, plan, stepCodeGasTopUp)
+	if gasStep.Amount.GetAmount() != "0.025" || gasStep.Amount.GetCurrency() != "ETH" {
+		t.Fatalf("gas step amount mismatch: %s %s", gasStep.Amount.GetCurrency(), gasStep.Amount.GetAmount())
+	}
+	if gasStep.NetworkFee.GetAmount() != "0.005" || gasStep.NetworkFee.GetCurrency() != "ETH" {
+		t.Fatalf("gas step fee mismatch: %s %s", gasStep.NetworkFee.GetCurrency(), gasStep.NetworkFee.GetAmount())
+	}
+	if gasStep.TransferRef != "pay-1:card:gas" {
+		t.Fatalf("expected gas step transfer ref to be set, got %s", gasStep.TransferRef)
+	}
+
+	fundStep := findExecutionStep(t, plan, stepCodeFundingTransfer)
+	if fundStep.NetworkFee.GetAmount() != "0.01" || fundStep.NetworkFee.GetCurrency() != "ETH" {
+		t.Fatalf("funding step fee mismatch: %s %s", fundStep.NetworkFee.GetCurrency(), fundStep.NetworkFee.GetAmount())
+	}
+	if fundStep.TransferRef != "pay-1:card:fund" {
+		t.Fatalf("funding step transfer ref mismatch: %s", fundStep.TransferRef)
+	}
+
+	cardStep := findExecutionStep(t, plan, stepCodeCardPayout)
+	if cardStep.Amount.GetAmount() != "5" || cardStep.Amount.GetCurrency() != "USDT" {
+		t.Fatalf("card step amount mismatch: %s %s", cardStep.Amount.GetCurrency(), cardStep.Amount.GetAmount())
+	}
+
+	feeStep := findExecutionStep(t, plan, stepCodeFeeTransfer)
+	if feeStep.Amount.GetAmount() != "0.35" || feeStep.Amount.GetCurrency() != "USDT" {
+		t.Fatalf("fee step amount mismatch: %s %s", feeStep.Amount.GetCurrency(), feeStep.Amount.GetAmount())
+	}
+	if feeStep.NetworkFee.GetAmount() != "0.02" || feeStep.NetworkFee.GetCurrency() != "ETH" {
+		t.Fatalf("fee step network fee mismatch: %s %s", feeStep.NetworkFee.GetCurrency(), feeStep.NetworkFee.GetAmount())
+	}
+	if feeStep.TransferRef != "" {
+		t.Fatalf("expected fee step transfer ref to be empty before payout, got %s", feeStep.TransferRef)
+	}
+
+	if plan.TotalNetworkFee == nil || plan.TotalNetworkFee.GetAmount() != "0.035" || plan.TotalNetworkFee.GetCurrency() != "ETH" {
+		t.Fatalf("total network fee mismatch: %v", plan.TotalNetworkFee)
+	}
+}
+
+func TestSubmitCardPayout_UsesSettlementAmountAndTransfersFee(t *testing.T) {
+	ctx := context.Background()
+
+	const (
+		sourceWalletRef = "wallet-src"
+		feeWalletRef    = "wallet-fee"
+	)
+
+	var payoutReq *mntxv1.CardPayoutRequest
+	var submitCalls []*chainv1.SubmitTransferRequest
+
+	gateway := &chainclient.Fake{
+		SubmitTransferFn: func(ctx context.Context, req *chainv1.SubmitTransferRequest) (*chainv1.SubmitTransferResponse, error) {
+			submitCalls = append(submitCalls, req)
+			return &chainv1.SubmitTransferResponse{
+				Transfer: &chainv1.Transfer{TransferRef: "fee-transfer"},
+			}, nil
+		},
+	}
+	mntx := &mntxclient.Fake{
+		CreateCardPayoutFn: func(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
+			payoutReq = req
+			return &mntxv1.CardPayoutResponse{
+				Payout: &mntxv1.CardPayoutState{
+					PayoutId: "payout-1",
+					Status:   mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING,
+				},
+			}, nil
+		},
+	}
+
+	svc := &Service{
+		logger: zap.NewNop(),
+		deps: serviceDependencies{
+			gateway: gatewayDependency{client: gateway},
+			mntx:    mntxDependency{client: mntx},
+			cardRoutes: map[string]CardGatewayRoute{
+				defaultCardGateway: {
+					FundingAddress: "0xfunding",
+					FeeWalletRef:   feeWalletRef,
+				},
+			},
+		},
+	}
+
+	payment := &model.Payment{
+		PaymentRef:            "pay-2",
+		IdempotencyKey:        "pay-2",
+		OrganizationBoundBase: mo.OrganizationBoundBase{OrganizationRef: primitive.NewObjectID()},
+		Intent: model.PaymentIntent{
+			Kind: model.PaymentKindPayout,
+			Source: model.PaymentEndpoint{
+				Type: model.EndpointTypeManagedWallet,
+				ManagedWallet: &model.ManagedWalletEndpoint{
+					ManagedWalletRef: sourceWalletRef,
+				},
+			},
+			Destination: model.PaymentEndpoint{
+				Type: model.EndpointTypeCard,
+				Card: &model.CardEndpoint{
+					Pan:        "5536913762657597",
+					Cardholder: "Stephan",
+				},
+			},
+			Amount: &moneyv1.Money{Currency: "USDT", Amount: "5"},
+		},
+		LastQuote: &model.PaymentQuoteSnapshot{
+			ExpectedSettlementAmount: &moneyv1.Money{Currency: "RUB", Amount: "392.30"},
+			ExpectedFeeTotal:         &moneyv1.Money{Currency: "USDT", Amount: "0.35"},
+		},
+	}
+
+	if err := svc.submitCardPayout(ctx, payment); err != nil {
+		t.Fatalf("submitCardPayout error: %v", err)
+	}
+
+	if payoutReq == nil {
+		t.Fatal("expected card payout request to be sent")
+	}
+	if payoutReq.GetCurrency() != "RUB" || payoutReq.GetAmountMinor() != 39230 {
+		t.Fatalf("payout request amount mismatch: %s %d", payoutReq.GetCurrency(), payoutReq.GetAmountMinor())
+	}
+
+	if payment.Execution == nil || payment.Execution.CardPayoutRef != "payout-1" {
+		t.Fatalf("expected card payout ref recorded, got %v", payment.Execution)
+	}
+	if payment.Execution.FeeTransferRef != "fee-transfer" {
+		t.Fatalf("expected fee transfer ref recorded, got %v", payment.Execution)
+	}
+
+	if len(submitCalls) != 1 {
+		t.Fatalf("expected 1 fee transfer submission, got %d", len(submitCalls))
+	}
+	feeCall := submitCalls[0]
+	if feeCall.GetSourceWalletRef() != sourceWalletRef {
+		t.Fatalf("fee transfer source mismatch: %s", feeCall.GetSourceWalletRef())
+	}
+	if feeCall.GetDestination().GetManagedWalletRef() != feeWalletRef {
+		t.Fatalf("fee transfer destination mismatch: %s", feeCall.GetDestination().GetManagedWalletRef())
+	}
+
+	plan := payment.ExecutionPlan
+	if plan == nil {
+		t.Fatal("expected execution plan to be populated")
+	}
+	cardStep := findExecutionStep(t, plan, stepCodeCardPayout)
+	if cardStep.TransferRef != "payout-1" {
+		t.Fatalf("card step transfer ref mismatch: %s", cardStep.TransferRef)
+	}
+	if cardStep.Amount.GetAmount() != "392.30" || cardStep.Amount.GetCurrency() != "RUB" {
+		t.Fatalf("card step amount mismatch: %s %s", cardStep.Amount.GetCurrency(), cardStep.Amount.GetAmount())
+	}
+
+	feeStep := findExecutionStep(t, plan, stepCodeFeeTransfer)
+	if feeStep.TransferRef != "fee-transfer" {
+		t.Fatalf("fee step transfer ref mismatch: %s", feeStep.TransferRef)
+	}
+	if feeStep.Amount.GetAmount() != "0.35" || feeStep.Amount.GetCurrency() != "USDT" {
+		t.Fatalf("fee step amount mismatch: %s %s", feeStep.Amount.GetCurrency(), feeStep.Amount.GetAmount())
+	}
+}
+
+func TestSubmitCardFundingTransfers_RequiresFeeWalletRef(t *testing.T) {
+	ctx := context.Background()
+
+	gateway := &chainclient.Fake{
+		EstimateTransferFeeFn: func(ctx context.Context, req *chainv1.EstimateTransferFeeRequest) (*chainv1.EstimateTransferFeeResponse, error) {
+			return &chainv1.EstimateTransferFeeResponse{
+				NetworkFee: &moneyv1.Money{Currency: "ETH", Amount: "0.01"},
+			}, nil
+		},
+	}
+
+	svc := &Service{
+		logger: zap.NewNop(),
+		deps: serviceDependencies{
+			gateway: gatewayDependency{client: gateway},
+			cardRoutes: map[string]CardGatewayRoute{
+				defaultCardGateway: {
+					FundingAddress: "0xfunding",
+				},
+			},
+		},
+	}
+
+	payment := &model.Payment{
+		PaymentRef:            "pay-3",
+		IdempotencyKey:        "pay-3",
+		OrganizationBoundBase: mo.OrganizationBoundBase{OrganizationRef: primitive.NewObjectID()},
+		Intent: model.PaymentIntent{
+			Kind: model.PaymentKindPayout,
+			Source: model.PaymentEndpoint{
+				Type: model.EndpointTypeManagedWallet,
+				ManagedWallet: &model.ManagedWalletEndpoint{
+					ManagedWalletRef: "wallet-src",
+				},
+			},
+			Destination: model.PaymentEndpoint{
+				Type: model.EndpointTypeCard,
+				Card: &model.CardEndpoint{
+					MaskedPan: "4111",
+				},
+			},
+			Amount: &moneyv1.Money{Currency: "USDT", Amount: "5"},
+		},
+	}
+
+	quote := &orchestratorv1.PaymentQuote{
+		ExpectedFeeTotal: &moneyv1.Money{Currency: "USDT", Amount: "0.35"},
+	}
+
+	err := svc.submitCardFundingTransfers(ctx, payment, quote)
+	if err == nil {
+		t.Fatal("expected error for missing fee wallet ref")
+	}
+	if !strings.Contains(err.Error(), "fee wallet ref") {
+		t.Fatalf("unexpected error: %v", err)
+	}
+}
+
+func findSubmitCall(t *testing.T, calls []*chainv1.SubmitTransferRequest, idempotencyKey string) *chainv1.SubmitTransferRequest {
+	t.Helper()
+	for _, call := range calls {
+		if call.GetIdempotencyKey() == idempotencyKey {
+			return call
+		}
+	}
+	t.Fatalf("missing submit transfer call for %s", idempotencyKey)
+	return nil
+}
+
+func findExecutionStep(t *testing.T, plan *model.ExecutionPlan, code string) *model.ExecutionStep {
+	t.Helper()
+	if plan == nil {
+		t.Fatal("execution plan is nil")
+	}
+	for _, step := range plan.Steps {
+		if step != nil && strings.EqualFold(step.Code, code) {
+			return step
+		}
+	}
+	t.Fatalf("missing execution step %s", code)
+	return nil
+}

api/payments/orchestrator/internal/service/orchestrator/convert.go

@@ -125,6 +125,7 @@ func toProtoPayment(src *model.Payment) *orchestratorv1.Payment {
 		FailureReason:  src.FailureReason,
 		LastQuote:      modelQuoteToProto(src.LastQuote),
 		Execution:      protoExecutionFromModel(src.Execution),
+		ExecutionPlan:  protoExecutionPlanFromModel(src.ExecutionPlan),
 		Metadata:       cloneMetadata(src.Metadata),
 	}
 	if src.CardPayout != nil {
@@ -251,6 +252,41 @@ func protoExecutionFromModel(src *model.ExecutionRefs) *orchestratorv1.Execution
 	}
 }
 
+func protoExecutionStepFromModel(src *model.ExecutionStep) *orchestratorv1.ExecutionStep {
+	if src == nil {
+		return nil
+	}
+	return &orchestratorv1.ExecutionStep{
+		Code:            src.Code,
+		Description:     src.Description,
+		Amount:          cloneMoney(src.Amount),
+		NetworkFee:      cloneMoney(src.NetworkFee),
+		SourceWalletRef: src.SourceWalletRef,
+		DestinationRef:  src.DestinationRef,
+		TransferRef:     src.TransferRef,
+		Metadata:        cloneMetadata(src.Metadata),
+	}
+}
+
+func protoExecutionPlanFromModel(src *model.ExecutionPlan) *orchestratorv1.ExecutionPlan {
+	if src == nil {
+		return nil
+	}
+	steps := make([]*orchestratorv1.ExecutionStep, 0, len(src.Steps))
+	for _, step := range src.Steps {
+		if protoStep := protoExecutionStepFromModel(step); protoStep != nil {
+			steps = append(steps, protoStep)
+		}
+	}
+	if len(steps) == 0 {
+		steps = nil
+	}
+	return &orchestratorv1.ExecutionPlan{
+		Steps:           steps,
+		TotalNetworkFee: cloneMoney(src.TotalNetworkFee),
+	}
+}
+
 func modelQuoteToProto(src *model.PaymentQuoteSnapshot) *orchestratorv1.PaymentQuote {
 	if src == nil {
 		return nil

api/payments/orchestrator/internal/service/orchestrator/options.go

@@ -56,10 +56,11 @@ func (m mntxDependency) available() bool {
 	return m.client != nil
 }
 
-// CardGatewayRoute maps a gateway to its funding and fee destinations (addresses).
+// CardGatewayRoute maps a gateway to its funding and fee destinations.
 type CardGatewayRoute struct {
 	FundingAddress string
 	FeeAddress     string
+	FeeWalletRef   string
 }
 
 // WithFeeEngine wires the fee engine client.

api/payments/orchestrator/storage/model/payment.go

@@ -158,6 +158,24 @@ type ExecutionRefs struct {
 	FeeTransferRef   string `bson:"feeTransferRef,omitempty" json:"feeTransferRef,omitempty"`
 }
 
+// ExecutionStep describes a planned or executed payment step for reporting.
+type ExecutionStep struct {
+	Code            string            `bson:"code,omitempty" json:"code,omitempty"`
+	Description     string            `bson:"description,omitempty" json:"description,omitempty"`
+	Amount          *moneyv1.Money    `bson:"amount,omitempty" json:"amount,omitempty"`
+	NetworkFee      *moneyv1.Money    `bson:"networkFee,omitempty" json:"networkFee,omitempty"`
+	SourceWalletRef string            `bson:"sourceWalletRef,omitempty" json:"sourceWalletRef,omitempty"`
+	DestinationRef  string            `bson:"destinationRef,omitempty" json:"destinationRef,omitempty"`
+	TransferRef     string            `bson:"transferRef,omitempty" json:"transferRef,omitempty"`
+	Metadata        map[string]string `bson:"metadata,omitempty" json:"metadata,omitempty"`
+}
+
+// ExecutionPlan captures the ordered list of steps to execute a payment.
+type ExecutionPlan struct {
+	Steps            []*ExecutionStep `bson:"steps,omitempty" json:"steps,omitempty"`
+	TotalNetworkFee  *moneyv1.Money   `bson:"totalNetworkFee,omitempty" json:"totalNetworkFee,omitempty"`
+}
+
 // Payment persists orchestrated payment lifecycle.
 type Payment struct {
 	storable.Base               `bson:",inline" json:",inline"`
@@ -171,6 +189,7 @@ type Payment struct {
 	FailureReason  string                `bson:"failureReason,omitempty" json:"failureReason,omitempty"`
 	LastQuote      *PaymentQuoteSnapshot `bson:"lastQuote,omitempty" json:"lastQuote,omitempty"`
 	Execution      *ExecutionRefs        `bson:"execution,omitempty" json:"execution,omitempty"`
+	ExecutionPlan  *ExecutionPlan        `bson:"executionPlan,omitempty" json:"executionPlan,omitempty"`
 	Metadata       map[string]string     `bson:"metadata,omitempty" json:"metadata,omitempty"`
 	CardPayout     *CardPayout           `bson:"cardPayout,omitempty" json:"cardPayout,omitempty"`
 }
@@ -218,6 +237,23 @@ func (p *Payment) Normalize() {
 		p.Execution.FXEntryRef = strings.TrimSpace(p.Execution.FXEntryRef)
 		p.Execution.ChainTransferRef = strings.TrimSpace(p.Execution.ChainTransferRef)
 	}
+	if p.ExecutionPlan != nil {
+		for _, step := range p.ExecutionPlan.Steps {
+			if step == nil {
+				continue
+			}
+			step.Code = strings.TrimSpace(step.Code)
+			step.Description = strings.TrimSpace(step.Description)
+			step.SourceWalletRef = strings.TrimSpace(step.SourceWalletRef)
+			step.DestinationRef = strings.TrimSpace(step.DestinationRef)
+			step.TransferRef = strings.TrimSpace(step.TransferRef)
+			if step.Metadata != nil {
+				for k, v := range step.Metadata {
+					step.Metadata[k] = strings.TrimSpace(v)
+				}
+			}
+		}
+	}
 }
 
 func normalizeEndpoint(ep *PaymentEndpoint) {

api/proto/gateway/chain/v1/chain.proto

@@ -100,6 +100,7 @@ message WalletBalance {
   common.money.v1.Money pending_inbound = 2;
   common.money.v1.Money pending_outbound = 3;
   google.protobuf.Timestamp calculated_at = 4;
+  common.money.v1.Money native_available = 5;
 }
 
 message GetWalletBalanceRequest {
@@ -188,6 +189,32 @@ message EstimateTransferFeeResponse {
   string estimation_context = 2;
 }
 
+message ComputeGasTopUpRequest {
+  string wallet_ref = 1;
+  common.money.v1.Money estimated_total_fee = 2;
+}
+
+message ComputeGasTopUpResponse {
+  common.money.v1.Money topup_amount = 1;
+  bool cap_hit = 2;
+}
+
+message EnsureGasTopUpRequest {
+  string idempotency_key = 1;
+  string organization_ref = 2;
+  string source_wallet_ref = 3;
+  string target_wallet_ref = 4;
+  common.money.v1.Money estimated_total_fee = 5;
+  map<string, string> metadata = 6;
+  string client_reference = 7;
+}
+
+message EnsureGasTopUpResponse {
+  common.money.v1.Money topup_amount = 1;
+  bool cap_hit = 2;
+  Transfer transfer = 3;
+}
+
 message WalletDepositObservedEvent {
   string deposit_ref = 1;
   string wallet_ref = 2;
@@ -217,4 +244,6 @@ service ChainGatewayService {
   rpc ListTransfers(ListTransfersRequest) returns (ListTransfersResponse);
 
   rpc EstimateTransferFee(EstimateTransferFeeRequest) returns (EstimateTransferFeeResponse);
+  rpc ComputeGasTopUp(ComputeGasTopUpRequest) returns (ComputeGasTopUpResponse);
+  rpc EnsureGasTopUp(EnsureGasTopUpRequest) returns (EnsureGasTopUpResponse);
 }

api/proto/payments/orchestrator/v1/orchestrator.proto

@@ -141,6 +141,22 @@ message ExecutionRefs {
   string fee_transfer_ref = 6;
 }
 
+message ExecutionStep {
+  string code = 1;
+  string description = 2;
+  common.money.v1.Money amount = 3;
+  common.money.v1.Money network_fee = 4;
+  string source_wallet_ref = 5;
+  string destination_ref = 6;
+  string transfer_ref = 7;
+  map<string, string> metadata = 8;
+}
+
+message ExecutionPlan {
+  repeated ExecutionStep steps = 1;
+  common.money.v1.Money total_network_fee = 2;
+}
+
 // Card payout gateway tracking info.
 message CardPayout {
   string payout_ref = 1;
@@ -166,6 +182,7 @@ message Payment {
   google.protobuf.Timestamp created_at = 10;
   google.protobuf.Timestamp updated_at = 11;
   CardPayout card_payout = 12;
+  ExecutionPlan execution_plan = 13;
 }
 
 message QuotePaymentRequest {

api/server/interface/api/sresponse/payment.go

@@ -7,7 +7,6 @@ import (
 	"github.com/tech/sendico/pkg/mlogger"
 	"github.com/tech/sendico/pkg/model"
 	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
-	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
 	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
 	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
 )
@@ -20,11 +19,6 @@ type FeeLine struct {
 	Meta             map[string]string `json:"meta,omitempty"`
 }
 
-type NetworkFee struct {
-	NetworkFee        *model.Money `json:"networkFee,omitempty"`
-	EstimationContext string       `json:"estimationContext,omitempty"`
-}
-
 type FxQuote struct {
 	QuoteRef        string       `json:"quoteRef,omitempty"`
 	BaseCurrency    string       `json:"baseCurrency,omitempty"`
@@ -45,7 +39,6 @@ type PaymentQuote struct {
 	ExpectedSettlementAmount *model.Money `json:"expectedSettlementAmount,omitempty"`
 	ExpectedFeeTotal         *model.Money `json:"expectedFeeTotal,omitempty"`
 	FeeLines                 []FeeLine    `json:"feeLines,omitempty"`
-	NetworkFee               *NetworkFee  `json:"networkFee,omitempty"`
 	FxQuote                  *FxQuote     `json:"fxQuote,omitempty"`
 }
 
@@ -53,7 +46,6 @@ type PaymentQuoteAggregate struct {
 	DebitAmounts              []*model.Money `json:"debitAmounts,omitempty"`
 	ExpectedSettlementAmounts []*model.Money `json:"expectedSettlementAmounts,omitempty"`
 	ExpectedFeeTotals         []*model.Money `json:"expectedFeeTotals,omitempty"`
-	NetworkFeeTotals          []*model.Money `json:"networkFeeTotals,omitempty"`
 }
 
 type PaymentQuotes struct {
@@ -146,16 +138,6 @@ func toFeeLines(lines []*feesv1.DerivedPostingLine) []FeeLine {
 	return result
 }
 
-func toNetworkFee(n *chainv1.EstimateTransferFeeResponse) *NetworkFee {
-	if n == nil {
-		return nil
-	}
-	return &NetworkFee{
-		NetworkFee:        toMoney(n.GetNetworkFee()),
-		EstimationContext: n.GetEstimationContext(),
-	}
-}
-
 func toFxQuote(q *oraclev1.Quote) *FxQuote {
 	if q == nil {
 		return nil
@@ -192,7 +174,6 @@ func toPaymentQuote(q *orchestratorv1.PaymentQuote) *PaymentQuote {
 		ExpectedSettlementAmount: toMoney(q.GetExpectedSettlementAmount()),
 		ExpectedFeeTotal:         toMoney(q.GetExpectedFeeTotal()),
 		FeeLines:                 toFeeLines(q.GetFeeLines()),
-		NetworkFee:               toNetworkFee(q.GetNetworkFee()),
 		FxQuote:                  toFxQuote(q.GetFxQuote()),
 	}
 }
@@ -205,7 +186,6 @@ func toPaymentQuoteAggregate(q *orchestratorv1.PaymentQuoteAggregate) *PaymentQu
 		DebitAmounts:              toMoneyList(q.GetDebitAmounts()),
 		ExpectedSettlementAmounts: toMoneyList(q.GetExpectedSettlementAmounts()),
 		ExpectedFeeTotals:         toMoneyList(q.GetExpectedFeeTotals()),
-		NetworkFeeTotals:          toMoneyList(q.GetNetworkFeeTotals()),
 	}
 }
 

frontend/pshared/lib/provider/payment/flow.dart

@@ -3,11 +3,14 @@ import 'package:flutter/foundation.dart';
 import 'package:pshared/models/payment/methods/data.dart';
 import 'package:pshared/models/payment/type.dart';
 import 'package:pshared/models/recipient/recipient.dart';
+import 'package:pshared/provider/recipient/pmethods.dart';
 
 
 class PaymentFlowProvider extends ChangeNotifier {
   PaymentType _selectedType;
   PaymentMethodData? _manualPaymentData;
+  MethodMap _availableTypes = {};
+  Recipient? _recipient;
 
   PaymentFlowProvider({
     required PaymentType initialType,
@@ -15,57 +18,40 @@ class PaymentFlowProvider extends ChangeNotifier {
 
   PaymentType get selectedType => _selectedType;
   PaymentMethodData? get manualPaymentData => _manualPaymentData;
+  Recipient? get recipient => _recipient;
 
-  void sync({
+  bool get hasRecipient => _recipient != null;
+
+  MethodMap get availableTypes => hasRecipient
+      ? _availableTypes
+      : {for (final type in PaymentType.values) type: null};
+
+  PaymentMethodData? get selectedPaymentData =>
+      hasRecipient ? _availableTypes[_selectedType] : _manualPaymentData;
+
+  void syncWith({
     required Recipient? recipient,
-    required MethodMap availableTypes,
+    required PaymentMethodsProvider methodsProvider,
     PaymentType? preferredType,
-  }) {
-    final resolvedType = _resolveSelectedType(
-      recipient: recipient,
-      availableTypes: availableTypes,
-      preferredType: preferredType,
-    );
-
-    var hasChanges = false;
-    if (resolvedType != _selectedType) {
-      _selectedType = resolvedType;
-      hasChanges = true;
-    }
-
-    if (recipient != null && _manualPaymentData != null) {
-      _manualPaymentData = null;
-      hasChanges = true;
-    }
-
-    if (hasChanges) notifyListeners();
-  }
+  }) =>
+      _applyState(
+        recipient: recipient,
+        availableTypes: methodsProvider.availableTypesForRecipient(recipient),
+        preferredType: preferredType,
+        forceResetManualData: false,
+      );
 
   void reset({
     required Recipient? recipient,
-    required MethodMap availableTypes,
+    required PaymentMethodsProvider methodsProvider,
     PaymentType? preferredType,
-  }) {
-    final resolvedType = _resolveSelectedType(
-      recipient: recipient,
-      availableTypes: availableTypes,
-      preferredType: preferredType,
-    );
-
-    var hasChanges = false;
-
-    if (resolvedType != _selectedType) {
-      _selectedType = resolvedType;
-      hasChanges = true;
-    }
-
-    if (_manualPaymentData != null) {
-      _manualPaymentData = null;
-      hasChanges = true;
-    }
-
-    if (hasChanges) notifyListeners();
-  }
+  }) =>
+      _applyState(
+        recipient: recipient,
+        availableTypes: methodsProvider.availableTypesForRecipient(recipient),
+        preferredType: preferredType,
+        forceResetManualData: true,
+      );
 
   void selectType(PaymentType type, {bool resetManualData = false}) {
     if (_selectedType == type && (!resetManualData || _manualPaymentData == null)) {
@@ -107,4 +93,41 @@ class PaymentFlowProvider extends ChangeNotifier {
 
     return availableTypes.keys.first;
   }
+
+  void _applyState({
+    required Recipient? recipient,
+    required MethodMap availableTypes,
+    required PaymentType? preferredType,
+    required bool forceResetManualData,
+  }) {
+    final resolvedType = _resolveSelectedType(
+      recipient: recipient,
+      availableTypes: availableTypes,
+      preferredType: preferredType,
+    );
+
+    var hasChanges = false;
+
+    if (_recipient != recipient) {
+      _recipient = recipient;
+      hasChanges = true;
+    }
+
+    if (!mapEquals(_availableTypes, availableTypes)) {
+      _availableTypes = availableTypes;
+      hasChanges = true;
+    }
+
+    if (resolvedType != _selectedType) {
+      _selectedType = resolvedType;
+      hasChanges = true;
+    }
+
+    if ((recipient != null || forceResetManualData) && _manualPaymentData != null) {
+      _manualPaymentData = null;
+      hasChanges = true;
+    }
+
+    if (hasChanges) notifyListeners();
+  }
 }

frontend/pshared/lib/provider/payment/quotation.dart

@@ -1,7 +1,5 @@
 import 'package:flutter/material.dart';
 
-import 'package:collection/collection.dart';
-
 import 'package:uuid/uuid.dart';
 
 import 'package:pshared/api/requests/payment/quote.dart';
@@ -20,7 +18,6 @@ import 'package:pshared/provider/organizations.dart';
 import 'package:pshared/provider/payment/amount.dart';
 import 'package:pshared/provider/payment/flow.dart';
 import 'package:pshared/provider/payment/wallets.dart';
-import 'package:pshared/provider/recipient/pmethods.dart';
 import 'package:pshared/provider/resource.dart';
 import 'package:pshared/service/payment/quotation.dart';
 import 'package:pshared/utils/currency.dart';
@@ -36,12 +33,10 @@ class QuotationProvider extends ChangeNotifier {
     PaymentAmountProvider payment,
     WalletsProvider wallets,
     PaymentFlowProvider flow,
-    PaymentMethodsProvider methods,
   ) {
     _organizations = venue;
-    final t = flow.selectedType;
-    final method = methods.methods.firstWhereOrNull((m) => m.type == t);
-    if ((wallets.selectedWallet != null) && (method != null)) {
+    final destination = flow.selectedPaymentData;
+    if ((wallets.selectedWallet != null) && (destination != null)) {
       getQuotation(PaymentIntent(
         kind: PaymentKind.payout,
         amount: Money(
@@ -49,7 +44,7 @@ class QuotationProvider extends ChangeNotifier {
           // TODO: adapt to possible other sources
           currency: currencyCodeToString(wallets.selectedWallet!.currency),
         ),
-        destination: method.data,
+        destination: destination,
         source: ManagedWalletPaymentMethod(
           managedWalletRef: wallets.selectedWallet!.id,
         ),

frontend/pshared/lib/provider/recipient/pmethods.dart

@@ -5,6 +5,8 @@ import 'package:pshared/models/describable.dart';
 import 'package:pshared/models/organization/bound.dart';
 import 'package:pshared/models/payment/methods/data.dart';
 import 'package:pshared/models/payment/methods/type.dart';
+import 'package:pshared/models/payment/type.dart';
+import 'package:pshared/models/recipient/recipient.dart';
 import 'package:pshared/models/permissions/bound.dart';
 import 'package:pshared/models/storable.dart';
 import 'package:pshared/provider/organizations.dart';
@@ -20,6 +22,24 @@ class PaymentMethodsProvider extends GenericProvider<PaymentMethod> {
 
   List<PaymentMethod> get methods => List<PaymentMethod>.unmodifiable(items.toList()..sort((a, b) => a.storable.createdAt.compareTo(b.storable.createdAt))); 
 
+  List<PaymentMethod> methodsForRecipient(Recipient? recipient) {
+    if (recipient == null || !isReady) return [];
+
+    return methods
+        .where((method) => !method.isArchived && method.recipientRef == recipient.id)
+        .toList();
+  }
+
+  MethodMap availableTypesForRecipient(Recipient? recipient) => {
+    for (final method in methodsForRecipient(recipient)) method.type: method.data,
+  };
+
+  PaymentMethod? findMethodByType({
+    required PaymentType type,
+    required Recipient? recipient,
+  }) =>
+      methodsForRecipient(recipient).firstWhereOrNull((method) => method.type == type);
+
   void updateProviders(OrganizationsProvider organizations, RecipientsProvider recipients) {
     if (recipients.currentObject != null) loadMethods(organizations, recipients.currentObject?.id);
   }

frontend/pweb/lib/main.dart

@@ -15,6 +15,8 @@ import 'package:pshared/provider/organizations.dart';
 import 'package:pshared/provider/payment/amount.dart';
 import 'package:pshared/provider/recipient/provider.dart';
 import 'package:pshared/provider/recipient/pmethods.dart';
+import 'package:pshared/provider/payment/wallets.dart';
+import 'package:pshared/service/payment/wallets.dart';
 
 import 'package:pweb/app/app.dart';
 import 'package:pweb/app/timeago.dart';
@@ -23,13 +25,11 @@ import 'package:pweb/providers/mock_payment.dart';
 import 'package:pweb/providers/operatioins.dart';
 import 'package:pweb/providers/two_factor.dart';
 import 'package:pweb/providers/upload_history.dart';
-import 'package:pshared/provider/payment/wallets.dart';
 import 'package:pweb/providers/wallet_transactions.dart';
 import 'package:pweb/services/operations.dart';
 import 'package:pweb/services/payments/history.dart';
 import 'package:pweb/services/posthog.dart';
 import 'package:pweb/services/wallet_transactions.dart';
-import 'package:pshared/service/payment/wallets.dart';
 import 'package:pweb/providers/account.dart';
 
 

frontend/pweb/lib/pages/dashboard/payouts/widget.dart

@@ -7,7 +7,6 @@ import 'package:pshared/provider/payment/amount.dart';
 import 'package:pshared/provider/payment/flow.dart';
 import 'package:pshared/provider/payment/quotation.dart';
 import 'package:pshared/provider/payment/wallets.dart';
-import 'package:pshared/provider/recipient/pmethods.dart';
 
 import 'package:pweb/pages/dashboard/payouts/form.dart';
 
@@ -21,9 +20,9 @@ class PaymentFromWrappingWidget extends StatelessWidget {
       ChangeNotifierProvider(
         create: (_) => PaymentAmountProvider(),
       ),
-      ChangeNotifierProxyProvider5<OrganizationsProvider, PaymentAmountProvider, WalletsProvider, PaymentFlowProvider, PaymentMethodsProvider, QuotationProvider>(
+      ChangeNotifierProxyProvider4<OrganizationsProvider, PaymentAmountProvider, WalletsProvider, PaymentFlowProvider, QuotationProvider>(
         create: (_) => QuotationProvider(),
-        update: (context, orgnization, payment, wallet, flow, methods, provider) => provider!..update(orgnization, payment, wallet, flow, methods),
+        update: (context, orgnization, payment, wallet, flow, provider) => provider!..update(orgnization, payment, wallet, flow),
       ),
     ],
     child: const PaymentFormWidget(),

frontend/pweb/lib/pages/payment_methods/add/card.dart

@@ -67,10 +67,17 @@ class _CardFormMinimalState extends State<CardFormMinimal> {
     }
 
     if (newData != null && newData != oldData) {
-      _panController.text = newData.pan;
-      _firstNameController.text = newData.firstName;
-      _lastNameController.text = newData.lastName;
-      WidgetsBinding.instance.addPostFrameCallback((_) => _emitIfValid());
+      final hasPanChange = newData.pan != _panController.text;
+      final hasFirstNameChange = newData.firstName != _firstNameController.text;
+      final hasLastNameChange = newData.lastName != _lastNameController.text;
+
+      if (hasPanChange) _panController.text = newData.pan;
+      if (hasFirstNameChange) _firstNameController.text = newData.firstName;
+      if (hasLastNameChange) _lastNameController.text = newData.lastName;
+
+      if (hasPanChange || hasFirstNameChange || hasLastNameChange) {
+        WidgetsBinding.instance.addPostFrameCallback((_) => _emitIfValid());
+      }
     }
   }
 

frontend/pweb/lib/pages/payment_methods/add/crypto_address.dart

@@ -106,12 +106,21 @@ class _CryptoAddressFormState extends State<CryptoAddressForm> {
     }
 
     if (newData != null && newData != oldData) {
-      _addressCtrl.text = newData.address;
-      _tokenCtrl.text = newData.asset?.tokenSymbol ?? '';
-      _contractCtrl.text = newData.asset?.contractAddress ?? '';
-      _memoCtrl.text = newData.memo ?? '';
-      _chain = newData.asset?.chain ?? ChainNetwork.unspecified;
-      WidgetsBinding.instance.addPostFrameCallback((_) => _emitIfValid());
+      final hasAddressChange = newData.address != _addressCtrl.text;
+      final hasTokenChange = newData.asset?.tokenSymbol != _tokenCtrl.text;
+      final hasContractChange = newData.asset?.contractAddress != _contractCtrl.text;
+      final hasMemoChange = newData.memo != _memoCtrl.text;
+      final hasChainChange = newData.asset?.chain != _chain;
+
+      if (hasAddressChange) _addressCtrl.text = newData.address;
+      if (hasTokenChange) _tokenCtrl.text = newData.asset?.tokenSymbol ?? '';
+      if (hasContractChange) _contractCtrl.text = newData.asset?.contractAddress ?? '';
+      if (hasMemoChange) _memoCtrl.text = newData.memo ?? '';
+      if (hasChainChange) _chain = newData.asset?.chain ?? ChainNetwork.unspecified;
+
+      if (hasAddressChange || hasTokenChange || hasContractChange || hasMemoChange || hasChainChange) {
+        WidgetsBinding.instance.addPostFrameCallback((_) => _emitIfValid());
+      }
     }
   }
 

frontend/pweb/lib/pages/payment_methods/add/iban.dart

@@ -69,11 +69,19 @@ class _IbanFormState extends State<IbanForm> {
     }
 
     if (newData != null && newData != oldData) {
-      _ibanController.text = newData.iban;
-      _accountHolderController.text = newData.accountHolder;
-      _bicController.text = newData.bic ?? '';
-      _bankNameController.text = newData.bankName ?? '';
-      WidgetsBinding.instance.addPostFrameCallback((_) => _emitIfValid());
+      final hasIbanChange = newData.iban != _ibanController.text;
+      final hasHolderChange = newData.accountHolder != _accountHolderController.text;
+      final hasBicChange = (newData.bic ?? '') != _bicController.text;
+      final hasBankNameChange = (newData.bankName ?? '') != _bankNameController.text;
+
+      if (hasIbanChange) _ibanController.text = newData.iban;
+      if (hasHolderChange) _accountHolderController.text = newData.accountHolder;
+      if (hasBicChange) _bicController.text = newData.bic ?? '';
+      if (hasBankNameChange) _bankNameController.text = newData.bankName ?? '';
+
+      if (hasIbanChange || hasHolderChange || hasBicChange || hasBankNameChange) {
+        WidgetsBinding.instance.addPostFrameCallback((_) => _emitIfValid());
+      }
     }
   }
 

frontend/pweb/lib/pages/payment_methods/add/russian_bank.dart

@@ -82,14 +82,31 @@ class _RussianBankFormState extends State<RussianBankForm> {
     }
 
     if (newData != null && newData != oldData) {
-      _recipientNameController.text = newData.recipientName;
-      _innController.text = newData.inn;
-      _kppController.text = newData.kpp;
-      _bankNameController.text = newData.bankName;
-      _bikController.text = newData.bik;
-      _accountNumberController.text = newData.accountNumber;
-      _correspondentAccountController.text = newData.correspondentAccount;
-      WidgetsBinding.instance.addPostFrameCallback((_) => _emitIfValid());
+      final hasRecipientNameChange = newData.recipientName != _recipientNameController.text;
+      final hasInnChange = newData.inn != _innController.text;
+      final hasKppChange = newData.kpp != _kppController.text;
+      final hasBankNameChange = newData.bankName != _bankNameController.text;
+      final hasBikChange = newData.bik != _bikController.text;
+      final hasAccountNumberChange = newData.accountNumber != _accountNumberController.text;
+      final hasCorrespondentAccountChange = newData.correspondentAccount != _correspondentAccountController.text;
+
+      if (hasRecipientNameChange) _recipientNameController.text = newData.recipientName;
+      if (hasInnChange) _innController.text = newData.inn;
+      if (hasKppChange) _kppController.text = newData.kpp;
+      if (hasBankNameChange) _bankNameController.text = newData.bankName;
+      if (hasBikChange) _bikController.text = newData.bik;
+      if (hasAccountNumberChange) _accountNumberController.text = newData.accountNumber;
+      if (hasCorrespondentAccountChange) _correspondentAccountController.text = newData.correspondentAccount;
+
+      if (hasRecipientNameChange ||
+          hasInnChange ||
+          hasKppChange ||
+          hasBankNameChange ||
+          hasBikChange ||
+          hasAccountNumberChange ||
+          hasCorrespondentAccountChange) {
+        WidgetsBinding.instance.addPostFrameCallback((_) => _emitIfValid());
+      }
     }
   }
 

frontend/pweb/lib/pages/payment_methods/add/wallet.dart

@@ -51,7 +51,9 @@ class _WalletFormState extends State<WalletForm> {
     }
 
     if (newData != null && newData != oldData) {
-      _walletIdController.text = newData.walletId;
+      if (newData.walletId != _walletIdController.text) {
+        _walletIdController.text = newData.walletId;
+      }
     }
   }
 

frontend/pweb/lib/pages/payment_methods/page.dart

@@ -4,17 +4,17 @@ import 'package:collection/collection.dart';
 
 import 'package:provider/provider.dart';
 
-import 'package:pshared/models/payment/methods/data.dart';
 import 'package:pshared/models/payment/methods/type.dart';
 import 'package:pshared/models/payment/type.dart';
 import 'package:pshared/models/recipient/recipient.dart';
 import 'package:pshared/provider/payment/flow.dart';
 import 'package:pshared/provider/recipient/pmethods.dart';
 import 'package:pshared/provider/recipient/provider.dart';
-
 import 'package:pshared/models/payment/wallet.dart';
-import 'package:pweb/pages/payment_methods/payment_page/body.dart';
 import 'package:pshared/provider/payment/wallets.dart';
+
+
+import 'package:pweb/pages/payment_methods/payment_page/body.dart';
 import 'package:pweb/widgets/sidebar/destinations.dart';
 import 'package:pweb/services/posthog.dart';
 
@@ -38,16 +38,12 @@ class PaymentPage extends StatefulWidget {
 class _PaymentPageState extends State<PaymentPage> {
   late final TextEditingController _searchController;
   late final FocusNode _searchFocusNode;
-  late final PaymentFlowProvider _flowProvider;
 
   @override
   void initState() {
     super.initState();
     _searchController = TextEditingController();
     _searchFocusNode = FocusNode();
-    _flowProvider = PaymentFlowProvider(
-      initialType: widget.initialPaymentType ?? PaymentType.bankAccount,
-    );
 
     WidgetsBinding.instance.addPostFrameCallback((_) => _initializePaymentPage());
   }
@@ -56,20 +52,12 @@ class _PaymentPageState extends State<PaymentPage> {
   void dispose() {
     _searchController.dispose();
     _searchFocusNode.dispose();
-    _flowProvider.dispose();
     super.dispose();
   }
 
   void _initializePaymentPage() {
     final methodsProvider = context.read<PaymentMethodsProvider>();
     _handleWalletAutoSelection(methodsProvider);
-
-    final recipient = context.read<RecipientsProvider>().currentObject;
-    _syncFlowProvider(
-      recipient: recipient,
-      methodsProvider: methodsProvider,
-      preferredType: widget.initialPaymentType,
-    );
   }
 
   void _handleSearchChanged(String query) {
@@ -79,11 +67,12 @@ class _PaymentPageState extends State<PaymentPage> {
   void _handleRecipientSelected(Recipient recipient) {
     final recipientProvider = context.read<RecipientsProvider>();
     final methodsProvider = context.read<PaymentMethodsProvider>();
+    final flowProvider = context.read<PaymentFlowProvider>();
 
     recipientProvider.setCurrentObject(recipient.id);
-    _flowProvider.reset(
+    flowProvider.reset(
       recipient: recipient,
-      availableTypes: _availablePaymentTypes(recipient, methodsProvider),
+      methodsProvider: methodsProvider,
       preferredType: widget.initialPaymentType,
     );
     _clearSearchField();
@@ -92,11 +81,12 @@ class _PaymentPageState extends State<PaymentPage> {
   void _handleRecipientCleared() {
     final recipientProvider = context.read<RecipientsProvider>();
     final methodsProvider = context.read<PaymentMethodsProvider>();
+    final flowProvider = context.read<PaymentFlowProvider>();
 
     recipientProvider.setCurrentObject(null);
-    _flowProvider.reset(
+    flowProvider.reset(
       recipient: null,
-      availableTypes: _availablePaymentTypes(null, methodsProvider),
+      methodsProvider: methodsProvider,
       preferredType: widget.initialPaymentType,
     );
     _clearSearchField();
@@ -110,7 +100,7 @@ class _PaymentPageState extends State<PaymentPage> {
 
   void _handleSendPayment() {
     // TODO: Handle Payment logic
-    PosthogService.paymentInitiated(method: _flowProvider.selectedType);
+    PosthogService.paymentInitiated(method: context.read<PaymentFlowProvider>().selectedType);
   }
 
   @override
@@ -118,23 +108,29 @@ class _PaymentPageState extends State<PaymentPage> {
     final methodsProvider = context.watch<PaymentMethodsProvider>();
     final recipientProvider = context.watch<RecipientsProvider>();
     final recipient = recipientProvider.currentObject;
-    final availableTypes = _availablePaymentTypes(recipient, methodsProvider);
 
-    _syncFlowProvider(
-      recipient: recipient,
-      methodsProvider: methodsProvider,
-      preferredType: recipient != null ? widget.initialPaymentType : null,
-    );
-
-    return ChangeNotifierProvider.value(
-      value: _flowProvider,
+    return ChangeNotifierProxyProvider2<RecipientsProvider, PaymentMethodsProvider, PaymentFlowProvider>(
+      create: (_) => PaymentFlowProvider(
+        initialType: widget.initialPaymentType ?? PaymentType.bankAccount,
+      ),
+      update: (_, recipients, methods, flow) {
+        final provider = flow ?? PaymentFlowProvider(
+          initialType: widget.initialPaymentType ?? PaymentType.bankAccount,
+        );
+        final currentRecipient = recipients.currentObject;
+        provider.syncWith(
+          recipient: currentRecipient,
+          methodsProvider: methods,
+          preferredType: currentRecipient != null ? widget.initialPaymentType : null,
+        );
+        return provider;
+      },
       child: PaymentPageBody(
         onBack: widget.onBack,
         fallbackDestination: widget.fallbackDestination,
         recipient: recipient,
         recipientProvider: recipientProvider,
         methodsProvider: methodsProvider,
-        availablePaymentTypes: availableTypes,
         searchController: _searchController,
         searchFocusNode: _searchFocusNode,
         onSearchChanged: _handleSearchChanged,
@@ -155,33 +151,6 @@ class _PaymentPageState extends State<PaymentPage> {
     }
   }
 
-  void _syncFlowProvider({
-    required Recipient? recipient,
-    required PaymentMethodsProvider methodsProvider,
-    PaymentType? preferredType,
-  }) {
-    _flowProvider.sync(
-      recipient: recipient,
-      availableTypes: _availablePaymentTypes(recipient, methodsProvider),
-      preferredType: preferredType,
-    );
-  }
-
-  MethodMap _availablePaymentTypes(
-    Recipient? recipient,
-    PaymentMethodsProvider methodsProvider,
-  ) {
-    if (recipient == null || !methodsProvider.isReady) return {};
-
-    final methodsForRecipient = methodsProvider.methods.where(
-      (method) => !method.isArchived && method.recipientRef == recipient.id,
-    );
-
-    return {
-      for (final method in methodsForRecipient) method.type: method.data,
-    };
-  }
-
   PaymentMethod? _getPaymentMethodForWallet(
     Wallet wallet,
     PaymentMethodsProvider methodsProvider,

frontend/pweb/lib/pages/payment_methods/payment_page/body.dart

@@ -1,6 +1,5 @@
 import 'package:flutter/material.dart';
 
-import 'package:pshared/models/payment/methods/data.dart';
 import 'package:pshared/models/recipient/recipient.dart';
 import 'package:pshared/provider/recipient/pmethods.dart';
 import 'package:pshared/provider/recipient/provider.dart';
@@ -17,7 +16,6 @@ class PaymentPageBody extends StatelessWidget {
   final Recipient? recipient;
   final RecipientsProvider recipientProvider;
   final PaymentMethodsProvider methodsProvider;
-  final MethodMap availablePaymentTypes;
   final PayoutDestination fallbackDestination;
   final TextEditingController searchController;
   final FocusNode searchFocusNode;
@@ -32,7 +30,6 @@ class PaymentPageBody extends StatelessWidget {
     required this.recipient,
     required this.recipientProvider,
     required this.methodsProvider,
-    required this.availablePaymentTypes,
     required this.fallbackDestination,
     required this.searchController,
     required this.searchFocusNode,
@@ -61,7 +58,6 @@ class PaymentPageBody extends StatelessWidget {
       recipient: recipient,
       recipientProvider: recipientProvider,
       methodsProvider: methodsProvider,
-      availablePaymentTypes: availablePaymentTypes,
       fallbackDestination: fallbackDestination,
       searchController: searchController,
       searchFocusNode: searchFocusNode,

frontend/pweb/lib/pages/payment_methods/payment_page/content.dart

@@ -1,12 +1,8 @@
 import 'package:flutter/material.dart';
 
-import 'package:provider/provider.dart';
-
-import 'package:pshared/models/payment/methods/data.dart';
 import 'package:pshared/models/recipient/recipient.dart';
 import 'package:pshared/provider/recipient/pmethods.dart';
 import 'package:pshared/provider/recipient/provider.dart';
-import 'package:pshared/provider/payment/flow.dart';
 
 import 'package:pweb/pages/payment_methods/payment_page/back_button.dart';
 import 'package:pweb/pages/payment_methods/payment_page/header.dart';
@@ -27,7 +23,6 @@ class PaymentPageContent extends StatelessWidget {
   final Recipient? recipient;
   final RecipientsProvider recipientProvider;
   final PaymentMethodsProvider methodsProvider;
-  final MethodMap availablePaymentTypes;
   final PayoutDestination fallbackDestination;
   final TextEditingController searchController;
   final FocusNode searchFocusNode;
@@ -42,7 +37,6 @@ class PaymentPageContent extends StatelessWidget {
     required this.recipient,
     required this.recipientProvider,
     required this.methodsProvider,
-    required this.availablePaymentTypes,
     required this.fallbackDestination,
     required this.searchController,
     required this.searchFocusNode,
@@ -55,7 +49,6 @@ class PaymentPageContent extends StatelessWidget {
   @override
   Widget build(BuildContext context) {
     final dimensions = AppDimensions();
-    final flowProvider = context.watch<PaymentFlowProvider>();
     final loc = AppLocalizations.of(context)!;
 
     return Align(
@@ -98,12 +91,7 @@ class PaymentPageContent extends StatelessWidget {
                     onRecipientCleared: onRecipientCleared,
                   ),
                   SizedBox(height: dimensions.paddingXLarge),
-                  PaymentInfoSection(
-                    dimensions: dimensions,
-                    flowProvider: flowProvider,
-                    recipient: recipient,
-                    availableTypes: availablePaymentTypes,
-                  ),
+                  PaymentInfoSection(dimensions: dimensions),
                   SizedBox(height: dimensions.paddingLarge),
                   const PaymentFormWidget(),
                   SizedBox(height: dimensions.paddingXXXLarge),

frontend/pweb/lib/pages/payment_methods/payment_page/page.dart

@@ -1,12 +1,8 @@
 import 'package:flutter/material.dart';
 
-import 'package:provider/provider.dart';
-
-import 'package:pshared/models/payment/methods/data.dart';
 import 'package:pshared/models/recipient/recipient.dart';
 import 'package:pshared/provider/recipient/pmethods.dart';
 import 'package:pshared/provider/recipient/provider.dart';
-import 'package:pshared/provider/payment/flow.dart';
 
 import 'package:pweb/pages/dashboard/payouts/widget.dart';
 import 'package:pweb/pages/payment_methods/payment_page/back_button.dart';
@@ -27,7 +23,6 @@ class PaymentPageContent extends StatelessWidget {
   final Recipient? recipient;
   final RecipientsProvider recipientProvider;
   final PaymentMethodsProvider methodsProvider;
-  final MethodMap availablePaymentTypes;
   final PayoutDestination fallbackDestination;
   final TextEditingController searchController;
   final FocusNode searchFocusNode;
@@ -42,7 +37,6 @@ class PaymentPageContent extends StatelessWidget {
     required this.recipient,
     required this.recipientProvider,
     required this.methodsProvider,
-    required this.availablePaymentTypes,
     required this.fallbackDestination,
     required this.searchController,
     required this.searchFocusNode,
@@ -55,7 +49,6 @@ class PaymentPageContent extends StatelessWidget {
   @override
   Widget build(BuildContext context) {
     final dimensions = AppDimensions();
-    final flowProvider = context.watch<PaymentFlowProvider>();
     final loc = AppLocalizations.of(context)!;
 
     return Align(
@@ -98,12 +91,7 @@ class PaymentPageContent extends StatelessWidget {
                     onRecipientCleared: onRecipientCleared,
                   ),
                   SizedBox(height: dimensions.paddingXLarge),
-                  PaymentInfoSection(
-                    dimensions: dimensions,
-                    flowProvider: flowProvider,
-                    recipient: recipient,
-                    availableTypes: availablePaymentTypes,
-                  ),
+                  PaymentInfoSection(dimensions: dimensions),
                   SizedBox(height: dimensions.paddingLarge),
                   const PaymentFromWrappingWidget(),
                   SizedBox(height: dimensions.paddingXXXLarge),

frontend/pweb/lib/pages/payment_methods/widgets/payment_info_section.dart

@@ -1,8 +1,7 @@
 import 'package:flutter/material.dart';
+import 'package:provider/provider.dart';
 
 import 'package:pshared/models/payment/methods/data.dart';
-import 'package:pshared/models/payment/type.dart';
-import 'package:pshared/models/recipient/recipient.dart';
 import 'package:pshared/provider/payment/flow.dart';
 
 import 'package:pweb/pages/payment_methods/form.dart';
@@ -15,25 +14,18 @@ import 'package:pweb/generated/i18n/app_localizations.dart';
 
 class PaymentInfoSection extends StatelessWidget {
   final AppDimensions dimensions;
-  final MethodMap availableTypes;
-  final PaymentFlowProvider flowProvider;
-  final Recipient? recipient;
 
   const PaymentInfoSection({
     super.key,
     required this.dimensions,
-    required this.availableTypes,
-    required this.flowProvider,
-    required this.recipient,
   });
 
   @override
   Widget build(BuildContext context) {
     final loc = AppLocalizations.of(context)!;
-    final hasRecipient = recipient != null;
-    final MethodMap resolvedAvailableTypes = hasRecipient
-        ? availableTypes
-        : {for (final type in PaymentType.values) type: null};
+    final flowProvider = context.watch<PaymentFlowProvider>();
+    final hasRecipient = flowProvider.hasRecipient;
+    final MethodMap resolvedAvailableTypes = flowProvider.availableTypes;
 
     if (hasRecipient && resolvedAvailableTypes.isEmpty) {
       return Text(loc.recipientNoPaymentDetails);
@@ -62,7 +54,7 @@ class PaymentInfoSection extends StatelessWidget {
               flowProvider.setManualPaymentData(data);
             }
           },
-          initialData: hasRecipient ? resolvedAvailableTypes[selectedType] : flowProvider.manualPaymentData,
+          initialData: flowProvider.selectedPaymentData,
           isEditable: !hasRecipient,
         ),
       ],

frontend/pweb/lib/pages/payout_page/page.dart

@@ -3,8 +3,8 @@ import 'package:flutter/material.dart';
 import 'package:provider/provider.dart';
 
 import 'package:pshared/provider/recipient/pmethods.dart';
-
 import 'package:pshared/models/payment/wallet.dart';
+
 import 'package:pweb/pages/payout_page/methods/widget.dart';
 import 'package:pweb/pages/payout_page/wallet/wigets.dart';
 

frontend/pweb/lib/pages/payout_page/wallet/card.dart

@@ -3,11 +3,11 @@ import 'package:flutter/material.dart';
 import 'package:provider/provider.dart';
 
 import 'package:pshared/utils/currency.dart';
-
 import 'package:pshared/models/payment/wallet.dart';
-import 'package:pweb/pages/dashboard/buttons/balance/amount.dart';
 import 'package:pshared/provider/payment/wallets.dart';
 
+import 'package:pweb/pages/dashboard/buttons/balance/amount.dart';
+
 import 'package:pweb/generated/i18n/app_localizations.dart';
 
 

frontend/pweb/lib/pages/payout_page/wallet/edit/buttons/send.dart

@@ -3,9 +3,9 @@ import 'package:flutter/material.dart';
 import 'package:provider/provider.dart';
 
 import 'package:pshared/models/payment/type.dart';
+import 'package:pshared/provider/payment/wallets.dart';
 
 import 'package:pweb/app/router/payout_routes.dart';
-import 'package:pshared/provider/payment/wallets.dart';
 import 'package:pweb/widgets/sidebar/destinations.dart';
 
 import 'package:pweb/generated/i18n/app_localizations.dart';

frontend/pweb/lib/pages/payout_page/wallet/edit/buttons/top_up.dart

@@ -2,8 +2,9 @@ import 'package:flutter/material.dart';
 
 import 'package:provider/provider.dart';
 
-import 'package:pweb/app/router/payout_routes.dart';
 import 'package:pshared/provider/payment/wallets.dart';
+
+import 'package:pweb/app/router/payout_routes.dart';
 import 'package:pweb/widgets/sidebar/destinations.dart';
 
 import 'package:pweb/generated/i18n/app_localizations.dart';

frontend/pweb/lib/pages/payout_page/wallet/edit/fields.dart

@@ -3,9 +3,10 @@ import 'package:flutter/services.dart';
 
 import 'package:provider/provider.dart';
 
-import 'package:pweb/pages/dashboard/buttons/balance/amount.dart';
 import 'package:pshared/provider/payment/wallets.dart';
 
+import 'package:pweb/pages/dashboard/buttons/balance/amount.dart';
+
 
 class WalletEditFields extends StatelessWidget {
   const WalletEditFields({super.key});

frontend/pweb/lib/pages/payout_page/wallet/edit/page.dart

@@ -2,11 +2,12 @@ import 'package:flutter/material.dart';
 
 import 'package:provider/provider.dart';
 
+import 'package:pshared/provider/payment/wallets.dart';
+
 import 'package:pweb/pages/payout_page/wallet/edit/buttons/buttons.dart';
 import 'package:pweb/pages/payout_page/wallet/edit/fields.dart';
 import 'package:pweb/pages/payout_page/wallet/edit/header.dart';
 import 'package:pweb/pages/payout_page/wallet/history/history.dart';
-import 'package:pshared/provider/payment/wallets.dart';
 import 'package:pweb/utils/dimensions.dart';
 
 import 'package:pweb/generated/i18n/app_localizations.dart';

frontend/pweb/lib/pages/payout_page/wallet/history/history.dart

@@ -3,6 +3,7 @@ import 'package:flutter/material.dart';
 import 'package:provider/provider.dart';
 
 import 'package:pshared/models/payment/wallet.dart';
+
 import 'package:pweb/pages/payout_page/wallet/history/filters.dart';
 import 'package:pweb/pages/payout_page/wallet/history/table.dart';
 import 'package:pweb/providers/wallet_transactions.dart';

frontend/pweb/lib/pages/payout_page/wallet/wigets.dart

@@ -3,9 +3,10 @@ import 'package:flutter/material.dart';
 import 'package:provider/provider.dart';
 
 import 'package:pshared/models/payment/wallet.dart';
-import 'package:pweb/pages/payout_page/wallet/card.dart';
 import 'package:pshared/provider/payment/wallets.dart';
 
+import 'package:pweb/pages/payout_page/wallet/card.dart';
+
 
 class WalletWidgets extends StatelessWidget {
   final void Function(Wallet) onWalletTap;

frontend/pweb/lib/pages/wallet_top_up/content.dart

@@ -3,8 +3,8 @@ import 'package:flutter/material.dart';
 import 'package:pshared/models/payment/chain_network.dart';
 import 'package:pshared/utils/currency.dart';
 import 'package:pshared/utils/l10n/chain.dart';
-
 import 'package:pshared/models/payment/wallet.dart';
+
 import 'package:pweb/pages/wallet_top_up/details.dart';
 import 'package:pweb/pages/wallet_top_up/header.dart';
 import 'package:pweb/pages/wallet_top_up/meta.dart';

frontend/pweb/lib/pages/wallet_top_up/page.dart

@@ -2,9 +2,10 @@ import 'package:flutter/material.dart';
 
 import 'package:provider/provider.dart';
 
-import 'package:pweb/pages/wallet_top_up/content.dart';
 import 'package:pshared/provider/payment/wallets.dart';
 
+import 'package:pweb/pages/wallet_top_up/content.dart';
+
 import 'package:pweb/generated/i18n/app_localizations.dart';