docs: generate code from externally published schemas

Reviewed-on: #59

AGENTS.md

@@ -13,14 +13,17 @@
 - Never commit autogenerated code to the repository. This applies to backend,
   frontend, shared packages, and every other module, including generated
   protobuf bindings, API clients, serializers, and framework-generated code.
-- Commit the source definitions, generator configuration, and reproducible
+- Use externally published schemas as generation inputs. Do not embed or commit
-  generation commands instead. Generate code locally or during build and CI
+  schema snapshots in the repository. Commit external schema references,
-  workflows before any dependent validation or compilation steps.
+  generator configuration, and reproducible generation commands instead.
+- Fetch the externally published schemas and generate code at build time, before
+  any dependent validation or compilation steps, including in CI.
 - Keep generated outputs ignored by Git. Do not force-add ignored generated
   files or copy generated code into tracked source files.
-- Change the source definitions or generator inputs rather than editing
+- Change schema sources in their owning project or update external schema
-  generated outputs. Document the generation workflow so a clean checkout can
+  references and generator inputs rather than editing generated outputs.
-  build without committed generated code.
+  Document the generation workflow so a clean checkout can build without
+  committed generated code or embedded schema snapshots.
 
 ## Local development tooling
 

backend/notifications/PROVENANCE.md

@@ -11,6 +11,12 @@ classifies delivery outcomes and never logs provider response bodies. Sendico's
 builders, dynamic-template dependency, notification events and unused producer
 were removed. Resend is a new driver using the same contract.
 
+SMTP is an owned adapter using Go's standard `net/smtp`, verified `crypto/tls`
+connections and standard MIME encoders. Its implicit-TLS connection configuration
+matches Sendico's existing mail client, without importing its modules or copying
+its keepalive/reconnect behavior. Local mailbox credentials are provisioned into
+SXCHNGE Vault explicitly; the application does not read Sendico files or secrets.
+
 Shared messaging was selected from that same Sendico revision's
 `api/pkg/messaging`: `config.go`, `capability/errors.go`, `reliable/transport.go`,
 `reliable/durable_settings.go`, `reliable/durable_settings_behavior.go`,

backend/notifications/README.md

@@ -12,12 +12,35 @@ pending-work state atomically in one document through the shared DB wrapper.
 The outbox dispatcher publishes opaque IDs using shared messaging's durable
 transport, adapted from Sendico. A durable NATS worker claims the notification
 with an atomic conditional patch and saves the outcome before acknowledging.
-`DriverConfig` selects the email driver: `sendgrid` or `resend`.
+`DriverConfig` selects the email driver: `sendgrid`, `resend` or `smtp`.
 
 Email adapters only map rendered email models to provider wire payloads. SendGrid
 uses adapted Sendico SDK construction; Resend uses its email HTTP API. Both support
 subject, text and HTML, bounded timeouts and safe error classification.
 
+The owned SMTP adapter uses authenticated implicit TLS (normally port 465),
+verified server certificates and context-bounded connections. It sends MIME
+multipart/alternative with quoted-printable UTF-8 text/HTML and encoded subjects.
+It uses Go's standard SMTP client and does not import Sendico modules or share a
+mutable connection between workers. Configure it with:
+
+```yaml
+email:
+  driver: smtp
+  settings:
+    host: mail.example.com
+    port: 465
+    username: notifications@example.com
+    password_env: SMTP_PASSWORD
+    sender_address: notifications@example.com
+    sender_name: SXCHNGE
+    network_timeout: 10
+```
+
+`network_timeout` must be 1–20 seconds; the worker's expiry/shutdown context also
+bounds every operation. Only the password belongs in Vault. There is no plaintext
+fallback or certificate-verification bypass.
+
 ## Run
 
 Requires Go 1.27, protoc, an SXCHNGE MongoDB database and a NATS server with
@@ -75,13 +98,41 @@ remaining status and request fingerprints expire through a seven-day TTL.
 - Resend receives the notification ID as its provider idempotency key. Its window
   is 24 hours. SendGrid has no equivalent guarantee; exactly-once external email
   delivery is not promised.
+- SMTP acceptance requires the final DATA 250 reply. A later QUIT failure cannot
+  undo acceptance. Explicit SMTP 4xx replies become retryable
+  `provider_temporarily_unavailable`; 5xx replies are terminal (authentication
+  failures retain `provider_authentication_failed`). Transport/TLS errors and a
+  lost final DATA reply become UNKNOWN. No immediate reconnect/resend occurs.
+  A stable Message-ID is included for correlation, not an exactly-once promise.
 - Changing the configured driver fails queued jobs pinned to the old driver with
   `driver_changed`. Drain queued jobs before changing sender credentials/config.
 - Callers authorize recipients and preferences. No direct customer-database access,
   bulk campaigns, provider failover, SMS, push or Telegram delivery is included.
 
-Structured logs report notification IDs, driver, state and attempt count; message
+Structured logs report notification IDs, driver, state and attempt count. Provider
-content, template values, addresses and provider response bodies are excluded.
+HTTP outcomes include `provider_status`; failures also include `provider_error`
+and `provider_message` when available. The adapter reads at most 16 KiB plus an
+overflow byte and extracts only the Resend `name`/`message` or first SendGrid
+`errors[].message`. Diagnostic messages are bounded to 512 Unicode characters
+plus an ellipsis. Credentials, idempotency keys, outgoing request string values,
+email addresses, URLs, long token-like strings and numeric verification/account
+values embedded in the request are redacted; controls and formatting characters
+are normalized. Malformed, incomplete and oversized error
+responses produce a diagnostic fallback instead of raw content. Successful
+response bodies are not logged. Diagnostic fields are transient: they are neither
+persisted in notifications nor exposed in gRPC responses. The existing bounded
+failure codes and delivery/retry decisions remain unchanged. Transport failures
+include a sanitized cause. Provider outcome logging happens before the result
+write so a storage failure cannot discard the only provider diagnostic.
+
+Message content, template values, addresses and raw provider bodies must remain
+excluded from logs. Provider text is sanitized external diagnostic data, never
+an instruction. Use `provider_status`, `provider_error` and `provider_message`
+together: the generic `provider_authentication_failed` category combines HTTP
+401 and 403, including sender/domain authorization failures. A sending-only
+Resend key is valid for sending, but cannot read the provider's log API.
+SMTP outcomes use `provider_smtp_status` for protocol reply codes and the same
+sanitized provider error/message fields, including password/auth-payload redaction.
 Monitor pending age, UNKNOWN/FAILED states and repeated outbox/worker warnings.
 
 ## Validate and distribute

backend/notifications/app/run.go

@@ -45,8 +45,6 @@ func Run(ctx context.Context, c Config, logger mlogger.Logger) error {
 		defer cancel()
 		_ = client.Disconnect(cleanup)
 	}()
-	startup, cancel := context.WithTimeout(ctx, 20*time.Second)
-	defer cancel()
 	repo, err := store.New(logger, client.Database())
 	if err != nil {
 		return err
@@ -57,7 +55,7 @@ func Run(ctx context.Context, c Config, logger mlogger.Logger) error {
 	}
 	defer rt.Close()
 	svc := service.New(repo, catalog, sender, string(c.Email.Driver), logger)
-	broker, err := bus.New(startup, rt.Durable, rt.DurableAdmin, repo, svc, logger, c.Queue)
+	broker, err := bus.New(ctx, rt.Durable, rt.DurableAdmin, repo, svc, logger, c.Queue)
 	if err != nil {
 		return err
 	}

backend/notifications/bus/dispatch.go

@@ -35,9 +35,13 @@ func New(ctx context.Context, transport reliable.Transport, admin reliable.Admin
 	}
 	settings := reliable.DurableSettings{Enabled: true, Stream: config.Stream, Provisioning: config.Provisioning}
 	consumer := reliable.DurableConsumerSettings{Durable: "email", Subject: subject, AckWaitSeconds: 60, MaxDeliver: -1, DeliverPolicy: reliable.DurableDeliverAll}
-	if err := admin.EnsureConsumerResources(ctx, settings, consumer); err != nil {
+	startup, cancel := context.WithTimeout(ctx, 20*time.Second)
+	defer cancel()
+	if err := admin.EnsureConsumerResources(startup, settings, consumer); err != nil {
 		return nil, merrors.OpaqueWrap(merrors.ErrServiceUnavailable, err, "configure notification messaging")
 	}
+	// NATS retains this context and unsubscribes when it ends. The worker must
+	// live until service shutdown, independently of the provisioning deadline.
 	subscription, err := transport.OpenConsumer(ctx, settings, consumer)
 	if err != nil {
 		return nil, merrors.OpaqueWrap(merrors.ErrServiceUnavailable, err, "subscribe notification worker")

backend/notifications/bus/dispatch_test.go

@@ -10,6 +10,7 @@ import (
 	merrors "git.sendico.io/tech/sxchnge/shared/errors"
 	"git.sendico.io/tech/sxchnge/shared/messaging/reliable"
 	"go.mongodb.org/mongo-driver/v2/bson"
+	"go.uber.org/zap"
 )
 
 type outbox struct{ jobs []model.Notification }
@@ -23,6 +24,50 @@ type publisher struct {
 	records []reliable.Record
 }
 
+type consumerTransport struct {
+	reliable.Transport
+	reliable.Subscription
+	ctx context.Context
+}
+
+func (t *consumerTransport) OpenConsumer(ctx context.Context, _ reliable.DurableSettings, _ reliable.DurableConsumerSettings) (reliable.Subscription, error) {
+	t.ctx = ctx
+	return t.Subscription, nil
+}
+
+type consumerAdmin struct {
+	reliable.Admin
+	ctx context.Context
+}
+
+func (a *consumerAdmin) EnsureConsumerResources(ctx context.Context, _ reliable.DurableSettings, _ reliable.DurableConsumerSettings) error {
+	a.ctx = ctx
+	return nil
+}
+
+func TestSubscriptionOutlivesProvisioning(t *testing.T) {
+	ctx, cancel := context.WithCancel(context.Background())
+	defer cancel()
+	transport := &consumerTransport{}
+	admin := &consumerAdmin{}
+	if _, err := New(ctx, transport, admin, &outbox{}, nil, zap.NewNop(), DefaultConfig()); err != nil {
+		t.Fatal(err)
+	}
+	if admin.ctx.Err() != context.Canceled {
+		t.Fatal("provisioning context was not released")
+	}
+	if _, ok := admin.ctx.Deadline(); !ok {
+		t.Fatal("provisioning has no deadline")
+	}
+	if err := transport.ctx.Err(); err != nil {
+		t.Fatalf("subscription ended with provisioning: %v", err)
+	}
+	cancel()
+	if transport.ctx.Err() != context.Canceled {
+		t.Fatal("subscription does not follow service shutdown")
+	}
+}
+
 func (p *publisher) Publish(_ context.Context, r reliable.Record) error {
 	if p.fail {
 		return merrors.ServiceUnavailable("offline")

backend/notifications/config.example.yml

@@ -13,7 +13,7 @@ messaging:
     reconnect_wait: 2
 templates: "templates.example.json"
 email:
-  driver: resend # sendgrid or resend
+  driver: resend # sendgrid or resend; see README for authenticated SMTP settings
   settings:
     api_key_env: "RESEND_API_KEY" # SENDGRID_API_KEY when driver is sendgrid
     sender_address: "notifications@example.com"

backend/notifications/email/driver.go

@@ -19,6 +19,7 @@ type Driver string
 const (
 	SendGrid Driver = "sendgrid"
 	Resend   Driver = "resend"
+	SMTP     Driver = "smtp"
 )
 
 type Config = sharedmodel.DriverConfig[Driver]
@@ -33,6 +34,11 @@ type Outcome struct {
 	State      model.State
 	Code       string
 	RetryAfter time.Duration
+	// Provider diagnostics are sanitized operational data, not public failures.
+	HTTPStatus      int
+	SMTPStatus      int
+	ProviderError   string
+	ProviderMessage string
 }
 type Sender interface {
 	Send(context.Context, string, model.Email) Outcome
@@ -46,6 +52,9 @@ type client struct {
 }
 
 func New(config Config) (Sender, error) {
+	if config.Driver == SMTP {
+		return newSMTP(config)
+	}
 	var s Settings
 	decoder, err := mapstructure.NewDecoder(&mapstructure.DecoderConfig{Result: &s, ErrorUnused: true, TagName: "mapstructure"})
 	if err != nil {

backend/notifications/email/failure.go

@@ -0,0 +1,97 @@
+package email
+
+import (
+	"encoding/json"
+	"regexp"
+	"sort"
+	"strings"
+	"unicode"
+)
+
+const maxErrorBody = 16 << 10
+const maxErrorMessage = 512
+
+var (
+	errorName = regexp.MustCompile(`^[a-zA-Z0-9_.-]{1,64}$`)
+	addresses = regexp.MustCompile(`[^\s<>"'(),;:]+@[^\s<>"'(),;:]+`)
+	urls      = regexp.MustCompile(`(?i)https?://[^\s<>"']+`)
+	tokens    = regexp.MustCompile(`[a-zA-Z0-9_+/-]{32,}={0,2}`)
+	numbers   = regexp.MustCompile(`[0-9]{4,}`)
+)
+
+// Only the documented human-readable error fields cross the adapter boundary.
+// Full bodies, headers and request data must never reach logs or public failures.
+func providerFailure(body, request []byte, secrets ...string) (string, string) {
+	var dto struct {
+		Name    string `json:"name"`
+		Message string `json:"message"`
+		Errors  []struct {
+			Message string `json:"message"`
+		} `json:"errors"`
+	}
+	if err := json.Unmarshal(body, &dto); err != nil {
+		return "", "Provider error details unavailable: invalid JSON response"
+	}
+	if dto.Message == "" && len(dto.Errors) > 0 {
+		dto.Message = dto.Errors[0].Message
+	}
+	// Providers can echo any scalar string from their request DTOs. Strip those
+	// values before truncation, in addition to credentials and embedded tokens.
+	var payload any
+	if json.Unmarshal(request, &payload) == nil {
+		for _, value := range requestStrings(payload) {
+			secrets = append(secrets, value)
+			// Rendered login/verification codes and numeric account references
+			// can be echoed as fragments of an otherwise longer email body.
+			secrets = append(secrets, numbers.FindAllString(value, -1)...)
+		}
+	}
+	name := safeErrorText(dto.Name, secrets)
+	if !errorName.MatchString(name) {
+		name = ""
+	}
+	message := safeErrorText(dto.Message, secrets)
+	if message == "" {
+		message = "Provider did not include an error message"
+	}
+	return name, message
+}
+
+func requestStrings(value any) []string {
+	var values []string
+	switch value := value.(type) {
+	case string:
+		values = append(values, value)
+	case []any:
+		for _, item := range value {
+			values = append(values, requestStrings(item)...)
+		}
+	case map[string]any:
+		for _, item := range value {
+			values = append(values, requestStrings(item)...)
+		}
+	}
+	return values
+}
+
+func safeErrorText(text string, secrets []string) string {
+	sort.Slice(secrets, func(i, j int) bool { return len(secrets[i]) > len(secrets[j]) })
+	var replacements []string
+	for _, secret := range secrets {
+		if secret != "" {
+			replacements = append(replacements, secret, "[redacted]")
+		}
+	}
+	text = strings.NewReplacer(replacements...).Replace(text)
+	text = addresses.ReplaceAllString(text, "[redacted-address]")
+	text = urls.ReplaceAllString(text, "[redacted-url]")
+	text = tokens.ReplaceAllString(text, "[redacted-token]")
+	text = strings.Join(strings.FieldsFunc(text, func(r rune) bool {
+		return unicode.IsSpace(r) || unicode.IsControl(r) || unicode.Is(unicode.Cf, r)
+	}), " ")
+	runes := []rune(text)
+	if len(runes) > maxErrorMessage {
+		text = string(runes[:maxErrorMessage]) + "…"
+	}
+	return text
+}

backend/notifications/email/failure_test.go

@@ -0,0 +1,90 @@
+package email
+
+import (
+	"context"
+	"encoding/json"
+	"io"
+	"net/http"
+	"net/http/httptest"
+	"strings"
+	"testing"
+	"unicode/utf8"
+
+	"git.sendico.io/tech/sxchnge/notifications/model"
+)
+
+func TestProviderErrorDiagnostics(t *testing.T) {
+	for _, tc := range []struct {
+		name, body, code, message string
+	}{
+		{"resend", `{"name":"validation_error","message":"The sxchnge.com domain is not verified"}`, "validation_error", "The sxchnge.com domain is not verified"},
+		{"sendgrid", `{"errors":[{"message":"The sender identity is not verified","field":"from","help":"private URL"}]}`, "", "The sender identity is not verified"},
+		{"no message", `{"unrecognized":"private response"}`, "", "Provider did not include an error message"},
+		{"malformed", `{"message":"private response"`, "", "Provider error details unavailable: invalid JSON response"},
+		{"wrong type", `{"message":{"secret":"private response"}}`, "", "Provider error details unavailable: invalid JSON response"},
+		{"trailing", `{"message":"private response"} {}`, "", "Provider error details unavailable: invalid JSON response"},
+		{"oversized", `{"message":"` + strings.Repeat("x", maxErrorBody) + `"}`, "", "Provider error details unavailable: incomplete or oversized response"},
+	} {
+		t.Run(tc.name, func(t *testing.T) {
+			server := httptest.NewServer(http.HandlerFunc(func(w http.ResponseWriter, _ *http.Request) {
+				w.WriteHeader(http.StatusForbidden)
+				_, _ = io.WriteString(w, tc.body)
+			}))
+			defer server.Close()
+			c := client{http: server.Client(), endpoint: server.URL}
+			out := c.post(context.Background(), "", struct{}{})
+			if out.State != model.Failed || out.Code != "provider_authentication_failed" || out.HTTPStatus != 403 || out.ProviderError != tc.code || out.ProviderMessage != tc.message {
+				t.Fatalf("unexpected provider outcome: %+v", out)
+			}
+		})
+	}
+}
+
+func TestProviderDiagnosticsRedactRequestDataBeforeTruncation(t *testing.T) {
+	key := "re_credential-secret"
+	request := []byte(`{"from":"Sender <sender@example.com>","to":["recipient@example.com"],"personalizations":[{"dynamic_template_data":{"secret":"short-private-value"}}],"subject":"Private subject","text":"Private text","html":"<p>Private HTML</p>","content":[{"value":"Your verification code is 123456; account 9876543210"}]}`)
+	token := strings.Repeat("a", 43)
+	message := "Credential " + key + "; recipient@example.com; Private subject; Private text; <p>Private HTML</p>; short-private-value; https://example.com/verify?token=" + token + "; " + token + "; 123456; 9876543210; job-secret\n\r\x00\u202eforged-log"
+	body, err := json.Marshal(map[string]string{"name": "validation_error", "message": message})
+	if err != nil {
+		t.Fatal(err)
+	}
+	name, result := providerFailure(body, request, key, "job-secret")
+	if name != "validation_error" || !strings.Contains(result, "forged-log") || !strings.Contains(result, "[redacted]") {
+		t.Fatal("lost useful diagnostic", name, result)
+	}
+	for _, forbidden := range []string{key, "recipient@example.com", "Private subject", "Private text", "Private HTML", "short-private-value", "https://", token, "123456", "9876543210", "job-secret", "\n", "\r", "\x00", "\u202e"} {
+		if strings.Contains(result, forbidden) {
+			t.Fatalf("diagnostic contains sensitive value or control %q", forbidden)
+		}
+	}
+	body, err = json.Marshal(map[string]string{"name": "validation_error", "message": strings.Repeat("ą", maxErrorMessage+20) + key})
+	if err != nil {
+		t.Fatal(err)
+	}
+	_, result = providerFailure(body, request, key)
+	if !utf8.ValidString(result) || utf8.RuneCountInString(result) != maxErrorMessage+1 || !strings.HasSuffix(result, "…") || strings.Contains(result, "re_") {
+		t.Fatal("invalid or unbounded diagnostic")
+	}
+}
+
+func TestSuccessfulResponsesDoNotExposeProviderContent(t *testing.T) {
+	server := httptest.NewServer(http.HandlerFunc(func(w http.ResponseWriter, _ *http.Request) {
+		_, _ = io.WriteString(w, `{"name":"private","message":"private provider response"}`)
+	}))
+	defer server.Close()
+	c := client{http: server.Client(), endpoint: server.URL}
+	if out := c.post(context.Background(), "", struct{}{}); out.State != model.Accepted || out.HTTPStatus != 200 || out.ProviderMessage != "" || out.ProviderError != "" {
+		t.Fatal("success leaked provider content", out)
+	}
+}
+
+func TestTransportFailureHasSanitizedDiagnostic(t *testing.T) {
+	ctx, cancel := context.WithCancel(context.Background())
+	cancel()
+	c := client{http: http.DefaultClient, key: "credential-secret", endpoint: "https://example.com/emails?credential=credential-secret"}
+	out := c.post(ctx, "job-secret", struct{}{})
+	if out.State != model.Unknown || !strings.Contains(out.ProviderMessage, "context canceled") || strings.Contains(out.ProviderMessage, "credential-secret") || strings.Contains(out.ProviderMessage, "https://") {
+		t.Fatal("transport cause missing or unsafe", out)
+	}
+}

backend/notifications/email/http.go

@@ -28,14 +28,15 @@ func (c *client) post(ctx context.Context, key string, payload any) Outcome {
 	}
 	resp, err := c.http.Do(req)
 	if err != nil {
-		return Outcome{State: model.Unknown, Code: "provider_outcome_unknown"}
+		return Outcome{State: model.Unknown, Code: "provider_outcome_unknown", ProviderMessage: safeErrorText(err.Error(), []string{c.key, key})}
 	}
 	defer resp.Body.Close()
-	// Discard a bounded response without logging provider-controlled content.
+	// Never pass raw provider bodies through the outcome or log them directly.
-	_, _ = io.Copy(io.Discard, io.LimitReader(resp.Body, 64<<10))
+	details, readErr := io.ReadAll(io.LimitReader(resp.Body, maxErrorBody+1))
+	outcome := Outcome{HTTPStatus: resp.StatusCode}
 	switch {
 	case resp.StatusCode >= 200 && resp.StatusCode < 300:
-		return Outcome{State: model.Accepted}
+		outcome.State = model.Accepted
 	case resp.StatusCode == 429:
 		delay := time.Minute
 		if n, e := strconv.Atoi(resp.Header.Get("Retry-After")); e == nil && n > 0 && n <= 86400 {
@@ -43,12 +44,20 @@ func (c *client) post(ctx context.Context, key string, payload any) Outcome {
 		} else if date, e := http.ParseTime(resp.Header.Get("Retry-After")); e == nil && time.Until(date) > 0 {
 			delay = time.Until(date)
 		}
-		return Outcome{State: model.RetryWait, Code: "provider_rate_limited", RetryAfter: delay}
+		outcome.State, outcome.Code, outcome.RetryAfter = model.RetryWait, "provider_rate_limited", delay
 	case resp.StatusCode >= 500 || resp.StatusCode == 408:
-		return Outcome{State: model.Unknown, Code: "provider_outcome_unknown"}
+		outcome.State, outcome.Code = model.Unknown, "provider_outcome_unknown"
 	case resp.StatusCode == 401 || resp.StatusCode == 403:
-		return Outcome{State: model.Failed, Code: "provider_authentication_failed"}
+		outcome.State, outcome.Code = model.Failed, "provider_authentication_failed"
 	default:
-		return Outcome{State: model.Failed, Code: "provider_rejected"}
+		outcome.State, outcome.Code = model.Failed, "provider_rejected"
 	}
+	if outcome.State != model.Accepted {
+		if readErr != nil || len(details) > maxErrorBody {
+			outcome.ProviderMessage = "Provider error details unavailable: incomplete or oversized response"
+		} else {
+			outcome.ProviderError, outcome.ProviderMessage = providerFailure(details, body, c.key, key)
+		}
+	}
+	return outcome
 }

backend/notifications/email/mime.go

@@ -0,0 +1,49 @@
+package email
+
+import (
+	"bytes"
+	"crypto/sha256"
+	"fmt"
+	"mime"
+	"mime/multipart"
+	"mime/quotedprintable"
+	"net/mail"
+	"net/textproto"
+	"strings"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/notifications/model"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+)
+
+func smtpMessage(s smtpSettings, key string, email model.Email) ([]byte, error) {
+	if !ValidAddress(email.Address) || strings.ContainsAny(email.Subject, "\r\n") || (email.Text == "" && email.HTML == "") {
+		return nil, merrors.InvalidArgument("invalid email content")
+	}
+	var body bytes.Buffer
+	parts := multipart.NewWriter(&body)
+	for _, part := range []struct{ kind, value string }{{"text/plain", email.Text}, {"text/html", email.HTML}} {
+		if part.value == "" {
+			continue
+		}
+		writer, err := parts.CreatePart(textproto.MIMEHeader{"Content-Type": {part.kind + "; charset=utf-8"}, "Content-Transfer-Encoding": {"quoted-printable"}})
+		if err != nil {
+			return nil, merrors.InternalWrap(err, "create email MIME part")
+		}
+		encoded := quotedprintable.NewWriter(writer)
+		if _, err = encoded.Write([]byte(part.value)); err != nil {
+			return nil, merrors.InternalWrap(err, "encode email MIME part")
+		}
+		if err = encoded.Close(); err != nil {
+			return nil, merrors.InternalWrap(err, "finish email MIME part")
+		}
+	}
+	if err := parts.Close(); err != nil {
+		return nil, merrors.InternalWrap(err, "finish email MIME body")
+	}
+	from := (&mail.Address{Name: s.SenderName, Address: s.SenderAddress}).String()
+	to := (&mail.Address{Address: email.Address}).String()
+	domain := s.SenderAddress[strings.LastIndex(s.SenderAddress, "@")+1:]
+	headers := fmt.Sprintf("From: %s\r\nTo: %s\r\nSubject: %s\r\nDate: %s\r\nMessage-ID: <%x@%s>\r\nMIME-Version: 1.0\r\nContent-Type: multipart/alternative; boundary=%q\r\n\r\n", from, to, mime.QEncoding.Encode("utf-8", email.Subject), time.Now().UTC().Format(time.RFC1123Z), sha256.Sum256([]byte(key)), domain, parts.Boundary())
+	return append([]byte(headers), body.Bytes()...), nil
+}

backend/notifications/email/smtp.go

@@ -0,0 +1,122 @@
+package email
+
+import (
+	"bytes"
+	"context"
+	"crypto/tls"
+	"encoding/base64"
+	"errors"
+	"io"
+	"net"
+	"net/smtp"
+	"net/textproto"
+	"os"
+	"strconv"
+	"strings"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/notifications/model"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	"github.com/go-viper/mapstructure/v2"
+)
+
+type smtpSettings struct {
+	Host           string `mapstructure:"host"`
+	Port           int    `mapstructure:"port"`
+	Username       string `mapstructure:"username"`
+	PasswordEnv    string `mapstructure:"password_env"`
+	SenderAddress  string `mapstructure:"sender_address"`
+	SenderName     string `mapstructure:"sender_name"`
+	NetworkTimeout int    `mapstructure:"network_timeout"`
+}
+
+type smtpSender struct {
+	settings smtpSettings
+	password string
+	tls      *tls.Config
+}
+
+func newSMTP(config Config) (Sender, error) {
+	var s smtpSettings
+	decoder, err := mapstructure.NewDecoder(&mapstructure.DecoderConfig{Result: &s, ErrorUnused: true, TagName: "mapstructure"})
+	if err != nil {
+		return nil, merrors.InternalWrap(err, "create SMTP settings decoder")
+	}
+	if decoder.Decode(config.Settings) != nil || s.Host == "" || strings.ContainsAny(s.Host, " /@\r\n\t") || s.Port < 1 || s.Port > 65535 || !ValidAddress(s.Username) || !ValidAddress(s.SenderAddress) || strings.ContainsAny(s.SenderName, "\r\n") || s.NetworkTimeout < 1 || s.NetworkTimeout > 20 {
+		return nil, merrors.InvalidArgument("invalid SMTP settings")
+	}
+	password := os.Getenv(s.PasswordEnv)
+	if s.PasswordEnv == "" || password == "" || strings.ContainsAny(password, "\r\n\x00") {
+		return nil, merrors.FailedPrecondition("SMTP password environment variable is missing or invalid")
+	}
+	return &smtpSender{settings: s, password: password, tls: &tls.Config{ServerName: s.Host, MinVersion: tls.VersionTLS12}}, nil
+}
+
+// SMTP uses a fresh authenticated TLS connection per attempt. No automatic
+// resend follows an uncertain result, since SMTP has no idempotency guarantee.
+func (s *smtpSender) Send(ctx context.Context, key string, email model.Email) Outcome {
+	body, err := smtpMessage(s.settings, key, email)
+	if err != nil {
+		return Outcome{State: model.Failed, Code: "invalid_payload"}
+	}
+	ctx, cancel := context.WithTimeout(ctx, time.Duration(s.settings.NetworkTimeout)*time.Second)
+	defer cancel()
+	dialer := tls.Dialer{NetDialer: &net.Dialer{}, Config: s.tls}
+	conn, err := dialer.DialContext(ctx, "tcp", net.JoinHostPort(s.settings.Host, strconv.Itoa(s.settings.Port)))
+	if err != nil {
+		return s.failure(err, key, email)
+	}
+	defer conn.Close()
+	stop := context.AfterFunc(ctx, func() { _ = conn.Close() })
+	defer stop()
+	deadline, _ := ctx.Deadline()
+	if err = conn.SetDeadline(deadline); err != nil {
+		return s.failure(err, key, email)
+	}
+	client, err := smtp.NewClient(conn, s.settings.Host)
+	if err == nil {
+		err = client.Auth(smtp.PlainAuth("", s.settings.Username, s.password, s.settings.Host))
+	}
+	if err == nil {
+		err = client.Mail(s.settings.SenderAddress)
+	}
+	if err == nil {
+		err = client.Rcpt(email.Address)
+	}
+	if err != nil {
+		return s.failure(err, key, email)
+	}
+	writer, err := client.Data()
+	if err != nil {
+		return s.failure(err, key, email)
+	}
+	if _, err = io.Copy(writer, bytes.NewReader(body)); err == nil {
+		err = writer.Close()
+	}
+	if err != nil {
+		return s.failure(err, key, email)
+	}
+	// DATA's final 250 is acceptance. A later QUIT error cannot undo it.
+	_ = client.Quit()
+	return Outcome{State: model.Accepted, SMTPStatus: 250}
+}
+
+func (s *smtpSender) failure(err error, key string, email model.Email) Outcome {
+	secrets := []string{s.password, s.settings.Username, key, email.Address, email.Subject, email.HTML, email.Text}
+	secrets = append(secrets, base64.StdEncoding.EncodeToString([]byte("\x00"+s.settings.Username+"\x00"+s.password)))
+	secrets = append(secrets, numbers.FindAllString(email.Text+" "+email.HTML, -1)...)
+	out := Outcome{State: model.Unknown, Code: "provider_outcome_unknown", ProviderError: "smtp", ProviderMessage: safeErrorText(err.Error(), secrets)}
+	var reply *textproto.Error
+	if errors.As(err, &reply) {
+		out.SMTPStatus = reply.Code
+		if reply.Code >= 400 && reply.Code < 500 {
+			out.State, out.Code, out.RetryAfter = model.RetryWait, "provider_temporarily_unavailable", time.Minute
+		} else if reply.Code >= 500 && reply.Code < 600 {
+			out.State, out.Code = model.Failed, "provider_rejected"
+			if reply.Code == 530 || reply.Code == 534 || reply.Code == 535 || reply.Code == 538 {
+				out.Code = "provider_authentication_failed"
+			}
+		}
+	}
+	return out
+}

backend/notifications/email/smtp_test.go

@@ -0,0 +1,223 @@
+package email
+
+import (
+	"context"
+	"crypto/tls"
+	"crypto/x509"
+	"encoding/base64"
+	"fmt"
+	"io"
+	"mime"
+	"mime/multipart"
+	"net"
+	"net/http/httptest"
+	"net/mail"
+	"net/textproto"
+	"strconv"
+	"strings"
+	"sync/atomic"
+	"testing"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/notifications/model"
+)
+
+type smtpFixture struct {
+	settings smtpSettings
+	root     *x509.CertPool
+	body     chan []byte
+	auth     atomic.Bool
+}
+
+func smtpServer(t *testing.T, reject string, code int) *smtpFixture {
+	t.Helper()
+	certServer := httptest.NewTLSServer(nil)
+	cert := certServer.TLS.Certificates[0]
+	root := x509.NewCertPool()
+	root.AddCert(certServer.Certificate())
+	certServer.Close()
+	listener, err := tls.Listen("tcp", "127.0.0.1:0", &tls.Config{Certificates: []tls.Certificate{cert}, MinVersion: tls.VersionTLS12})
+	if err != nil {
+		t.Fatal(err)
+	}
+	t.Cleanup(func() { _ = listener.Close() })
+	host, port, _ := net.SplitHostPort(listener.Addr().String())
+	n, _ := strconv.Atoi(port)
+	f := &smtpFixture{settings: smtpSettings{Host: host, Port: n, Username: "sender@example.com", SenderAddress: "sender@example.com", SenderName: "SXCHNGE", NetworkTimeout: 2}, root: root, body: make(chan []byte, 1)}
+	go func() {
+		conn, err := listener.Accept()
+		if err != nil {
+			return
+		}
+		defer conn.Close()
+		_ = conn.SetDeadline(time.Now().Add(5 * time.Second))
+		if reject == "greeting" {
+			_ = conn.(*tls.Conn).Handshake()
+			_, _ = io.Copy(io.Discard, conn)
+			return
+		}
+		c := textproto.NewConn(conn)
+		if c.PrintfLine("220 localhost ESMTP") != nil {
+			return
+		}
+		for {
+			line, err := c.ReadLine()
+			if err != nil {
+				return
+			}
+			command := strings.SplitN(line, " ", 2)[0]
+			if command == reject {
+				_ = c.PrintfLine("%d rejected recipient user@example.com credential test-password", code)
+				continue
+			}
+			switch command {
+			case "EHLO":
+				_ = c.PrintfLine("250-localhost\r\n250 AUTH PLAIN")
+			case "AUTH":
+				want := "AUTH PLAIN " + base64.StdEncoding.EncodeToString([]byte("\x00sender@example.com\x00test-password"))
+				f.auth.Store(line == want)
+				_ = c.PrintfLine("235 authenticated")
+			case "MAIL", "RCPT":
+				_ = c.PrintfLine("250 OK")
+			case "DATA":
+				_ = c.PrintfLine("354 send message")
+				body, err := c.ReadDotBytes()
+				if err != nil {
+					return
+				}
+				f.body <- body
+				if reject == "final" {
+					_ = c.PrintfLine("%d final rejection", code)
+				} else if reject == "disconnect" {
+					return
+				} else {
+					_ = c.PrintfLine("250 queued")
+				}
+			case "QUIT":
+				// A lost QUIT reply must not turn accepted DATA into UNKNOWN.
+				return
+			default:
+				_ = c.PrintfLine("500 unexpected command")
+			}
+		}
+	}()
+	return f
+}
+
+func (f *smtpFixture) sender() *smtpSender {
+	return &smtpSender{settings: f.settings, password: "test-password", tls: &tls.Config{ServerName: f.settings.Host, RootCAs: f.root, MinVersion: tls.VersionTLS12}}
+}
+
+func TestSMTPAcceptanceAndMIME(t *testing.T) {
+	f := smtpServer(t, "", 0)
+	sender := f.sender()
+	email := model.Email{Address: "user@example.com", Subject: "Подтвердите почту", Text: "Confirm code 123456\n.line", HTML: "<p>Confirm code 123456</p>"}
+	out := sender.Send(context.Background(), "notification-id", email)
+	if out.State != model.Accepted || out.SMTPStatus != 250 || !f.auth.Load() {
+		t.Fatal("SMTP acceptance/authentication failed", out)
+	}
+	msg, err := mail.ReadMessage(strings.NewReader(string(<-f.body)))
+	if err != nil {
+		t.Fatal(err)
+	}
+	subject, err := new(mime.WordDecoder).DecodeHeader(msg.Header.Get("Subject"))
+	if err != nil || subject != email.Subject {
+		t.Fatal("wrong MIME subject", subject, err)
+	}
+	if msg.Header.Get("From") != "\"SXCHNGE\" <sender@example.com>" || !strings.HasSuffix(msg.Header.Get("Message-ID"), "@example.com>") {
+		t.Fatal("invalid sender/message identifier")
+	}
+	kind, params, err := mime.ParseMediaType(msg.Header.Get("Content-Type"))
+	if err != nil || kind != "multipart/alternative" {
+		t.Fatal("wrong MIME type", kind, err)
+	}
+	parts := multipart.NewReader(msg.Body, params["boundary"])
+	for _, want := range []string{email.Text, email.HTML} {
+		part, err := parts.NextPart()
+		if err != nil {
+			t.Fatal(err)
+		}
+		body, err := io.ReadAll(part)
+		if err != nil || strings.ReplaceAll(string(body), "\r\n", "\n") != want {
+			t.Fatal("incorrect MIME content", err)
+		}
+	}
+}
+
+func TestSMTPFailureSafety(t *testing.T) {
+	for _, tc := range []struct {
+		stage   string
+		code    int
+		state   model.State
+		failure string
+	}{
+		{"AUTH", 535, model.Failed, "provider_authentication_failed"},
+		{"RCPT", 550, model.Failed, "provider_rejected"},
+		{"final", 451, model.RetryWait, "provider_temporarily_unavailable"},
+		{"disconnect", 0, model.Unknown, "provider_outcome_unknown"},
+	} {
+		t.Run(fmt.Sprintf("%s-%d", tc.stage, tc.code), func(t *testing.T) {
+			f := smtpServer(t, tc.stage, tc.code)
+			out := f.sender().Send(context.Background(), "id", model.Email{Address: "user@example.com", Subject: "Subject", Text: "Body"})
+			if out.State != tc.state || out.Code != tc.failure || out.SMTPStatus != tc.code {
+				t.Fatal("incorrect SMTP classification", out)
+			}
+			if strings.Contains(out.ProviderMessage, "test-password") || strings.Contains(out.ProviderMessage, "user@example.com") {
+				t.Fatal("SMTP rejection leaked private data")
+			}
+			if tc.code == 451 && out.RetryAfter <= 0 {
+				t.Fatal("temporary rejection did not schedule retry")
+			}
+		})
+	}
+}
+
+func TestSMTPCertificateAndCancellation(t *testing.T) {
+	t.Run("untrusted certificate", func(t *testing.T) {
+		f := smtpServer(t, "", 0)
+		sender := f.sender()
+		sender.tls.RootCAs = x509.NewCertPool()
+		if out := sender.Send(context.Background(), "id", model.Email{Address: "user@example.com", Text: "Body"}); out.State != model.Unknown || f.auth.Load() {
+			t.Fatal("untrusted TLS accepted", out)
+		}
+	})
+	t.Run("cancel blocked greeting", func(t *testing.T) {
+		f := smtpServer(t, "greeting", 0)
+		ctx, cancel := context.WithTimeout(context.Background(), 100*time.Millisecond)
+		defer cancel()
+		started := time.Now()
+		if out := f.sender().Send(ctx, "id", model.Email{Address: "user@example.com", Text: "Body"}); out.State != model.Unknown || time.Since(started) > time.Second {
+			t.Fatal("SMTP ignored cancellation", out)
+		}
+	})
+}
+
+func TestSMTPConfigAndHeaderValidation(t *testing.T) {
+	t.Setenv("TEST_SMTP_PASSWORD", "test-password")
+	valid := map[string]any{"host": "mail.example.com", "port": 465, "username": "sender@example.com", "password_env": "TEST_SMTP_PASSWORD", "sender_address": "sender@example.com", "network_timeout": 10}
+	if _, err := New(Config{Driver: SMTP, Settings: valid}); err != nil {
+		t.Fatal(err)
+	}
+	for field, value := range map[string]any{"port": 0, "host": "https://bad", "username": "bad", "network_timeout": 0, "password_env": "MISSING_SMTP_PASSWORD", "typo": true} {
+		settings := map[string]any{}
+		for key, item := range valid {
+			settings[key] = item
+		}
+		settings[field] = value
+		if _, err := New(Config{Driver: SMTP, Settings: settings}); err == nil {
+			t.Fatalf("invalid setting %s accepted", field)
+		}
+	}
+	if _, err := smtpMessage(smtpSettings{}, "id", model.Email{Address: "user@example.com", Subject: "Subject\r\nBcc: stolen@example.com", Text: "Body"}); err == nil {
+		t.Fatal("header injection accepted")
+	}
+}
+
+func TestSMTPAuthenticationDiagnosticRedactsEncodedCredential(t *testing.T) {
+	f := &smtpSender{settings: smtpSettings{Username: "sender@example.com"}, password: "a"}
+	auth := base64.StdEncoding.EncodeToString([]byte("\x00sender@example.com\x00a"))
+	out := f.failure(&textproto.Error{Code: 535, Msg: "Rejected AUTH " + auth}, "id", model.Email{})
+	if out.SMTPStatus != 535 || strings.Contains(out.ProviderMessage, auth) || !strings.Contains(out.ProviderMessage, "AUTH [redacted]") {
+		t.Fatalf("encoded SMTP credential was not fully redacted: %q", out.ProviderMessage)
+	}
+}

backend/notifications/service/worker.go

@@ -5,6 +5,7 @@ import (
 	"errors"
 	"time"
 
+	"git.sendico.io/tech/sxchnge/notifications/email"
 	"git.sendico.io/tech/sxchnge/notifications/model"
 	merrors "git.sendico.io/tech/sxchnge/shared/errors"
 	"go.uber.org/zap"
@@ -23,6 +24,7 @@ func (s *Service) Dispatch(ctx context.Context, id string) (bool, error) {
 	if err != nil {
 		return false, err
 	}
+	var outcome email.Outcome
 	switch {
 	case !n.ExpiresAt.After(now):
 		n.State = model.Expired
@@ -36,7 +38,7 @@ func (s *Service) Dispatch(ctx context.Context, id string) (bool, error) {
 			deadline = n.ExpiresAt
 		}
 		sendCtx, cancel := context.WithDeadline(ctx, deadline)
-		outcome := s.sender.Send(sendCtx, n.ID.Hex(), n.Email)
+		outcome = s.sender.Send(sendCtx, n.ID.Hex(), n.Email)
 		cancel()
 		n.State = outcome.State
 		n.FailureCode = outcome.Code
@@ -62,14 +64,27 @@ func (s *Service) Dispatch(ctx context.Context, id string) (bool, error) {
 	// Persist the result even when shutdown canceled the provider request.
 	finishCtx, cancel := context.WithTimeout(context.WithoutCancel(ctx), 5*time.Second)
 	defer cancel()
-	if err = s.repo.Finish(finishCtx, n); err != nil {
-		return true, err
-	}
 	fields := []zap.Field{zap.String("notification_id", n.ID.Hex()), zap.String("driver", n.Driver), zap.String("state", string(n.State)), zap.Uint32("attempts", n.Attempts), zap.String("failure_code", n.FailureCode)}
+	if outcome.HTTPStatus != 0 {
+		fields = append(fields, zap.Int("provider_status", outcome.HTTPStatus))
+	}
+	if outcome.SMTPStatus != 0 {
+		fields = append(fields, zap.Int("provider_smtp_status", outcome.SMTPStatus))
+	}
+	if outcome.ProviderError != "" {
+		fields = append(fields, zap.String("provider_error", outcome.ProviderError))
+	}
+	if outcome.ProviderMessage != "" {
+		fields = append(fields, zap.String("provider_message", outcome.ProviderMessage))
+	}
+	// Keep the provider outcome observable even if its local result write fails.
 	if n.State == model.Accepted {
 		s.logger.Info("Email accepted by provider", fields...)
 	} else {
 		s.logger.Warn("Email delivery attempt finished", fields...)
 	}
+	if err = s.repo.Finish(finishCtx, n); err != nil {
+		return true, err
+	}
 	return true, nil
 }

backend/notifications/service/worker_test.go

@@ -2,18 +2,23 @@ package service
 
 import (
 	"context"
+	"errors"
+	"fmt"
 	"testing"
 	"time"
 
 	"git.sendico.io/tech/sxchnge/notifications/email"
 	"git.sendico.io/tech/sxchnge/notifications/model"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
 	"go.uber.org/zap"
+	"go.uber.org/zap/zaptest/observer"
 )
 
 type workerRepo struct {
 	Repository
 	job       model.Notification
 	saved     *model.Notification
+	finishErr error
 }
 
 func (r *workerRepo) Recover(context.Context, time.Time) error { return nil }
@@ -21,7 +26,10 @@ func (r *workerRepo) Claim(context.Context, string, time.Time) (*model.Notificat
 	n := r.job
 	return &n, nil
 }
-func (r *workerRepo) Finish(_ context.Context, n *model.Notification) error { r.saved = n; return nil }
+func (r *workerRepo) Finish(_ context.Context, n *model.Notification) error {
+	r.saved = n
+	return r.finishErr
+}
 
 type workerSender struct {
 	calls   int
@@ -62,3 +70,36 @@ func TestWorkerTerminalAndRetryOutcomes(t *testing.T) {
 		})
 	}
 }
+
+func TestWorkerLogsProviderFailureOnce(t *testing.T) {
+	for _, failPersistence := range []bool{false, true} {
+		t.Run(fmt.Sprint(failPersistence), func(t *testing.T) {
+			core, logs := observer.New(zap.WarnLevel)
+			repo := &workerRepo{job: model.Notification{Driver: "resend", ExpiresAt: time.Now().Add(time.Hour), Attempts: 1, Email: model.Email{Address: "private@example.com", Subject: "Private subject", Text: "Private text"}}}
+			if failPersistence {
+				repo.finishErr = merrors.ServiceUnavailable("storage offline")
+			}
+			sender := &workerSender{outcome: email.Outcome{State: model.Failed, Code: "provider_authentication_failed", HTTPStatus: 403, ProviderError: "validation_error", ProviderMessage: "The sxchnge.com domain is not verified"}}
+			svc := New(repo, nil, sender, "resend", zap.New(core))
+			if _, err := svc.Dispatch(context.Background(), "id"); !errors.Is(err, repo.finishErr) {
+				t.Fatal("unexpected persistence error", err)
+			}
+			entries := logs.All()
+			if len(entries) != 1 || entries[0].Message != "Email delivery attempt finished" {
+				t.Fatal("expected one provider outcome log", entries)
+			}
+			fields := entries[0].ContextMap()
+			if fields["provider_status"] != int64(403) || fields["provider_error"] != "validation_error" || fields["provider_message"] != "The sxchnge.com domain is not verified" {
+				t.Fatal("provider diagnostic missing", fields)
+			}
+			if repo.saved.FailureCode != "provider_authentication_failed" {
+				t.Fatal("public failure code changed", repo.saved.FailureCode)
+			}
+			for _, field := range []string{"address", "email", "subject", "text", "html", "parameters"} {
+				if _, ok := fields[field]; ok {
+					t.Fatalf("private notification field %s logged", field)
+				}
+			}
+		})
+	}
+}

backend/product/app/runtime/services.go

@@ -75,6 +75,7 @@ func OpenDependencies(_ context.Context, logger mlogger.Logger, config *api.Conf
 				return nil, nil, err
 			}
 			deps.Payments = &payments.Service{Store: paymentStore, Provider: provider, Identity: deps.Identity, Logger: logger.Named("payments")}
+			deps.Auth.Wallet = deps.Payments
 			logger.Info("Sendico sign-up facts integration enabled")
 		}
 		records, err := factorstore.Open(logger, db)

backend/product/auth/flow/service.go

@@ -31,8 +31,13 @@ type SignupFacts interface {
 	Ready(context.Context, bson.ObjectID) error
 }
 
+type CurrencyAccounts interface {
+	Ensure(context.Context, *customer.Account) error
+}
+
 type Service struct {
 	Facts         SignupFacts
+	Wallet        CurrencyAccounts
 	Accounts      account.DB
 	Customers     accountservice.AccountService
 	Tokens        verification.DB
@@ -110,6 +115,11 @@ func (s *Service) Signup(ctx context.Context, a *customer.Account, ip, key strin
 			return nil, err
 		}
 	}
+	if s.Wallet != nil {
+		if err := s.Wallet.Ensure(ctx, a); err != nil {
+			return nil, err
+		}
+	}
 	if raw != "" {
 		u, _ := url.Parse(s.ActivationURL)
 		q := u.Query()
@@ -148,6 +158,11 @@ func (s *Service) ResendActivation(ctx context.Context, email, ip, key string) e
 			return err
 		}
 	}
+	if s.Wallet != nil {
+		if err := s.Wallet.Ensure(ctx, a); err != nil {
+			return err
+		}
+	}
 	_, err = s.sendActivation(ctx, a, key)
 	return err
 }
@@ -179,10 +194,11 @@ func (s *Service) sendActivation(ctx context.Context, a *customer.Account, key s
 	err = s.Sender.Send(ctx, notifications.Message{Key: secretKey, UserID: a.ID.Hex(), Email: a.Login, Locale: locale, Template: "auth.activation", ExpiresAt: result.ExpiresAt, Parameters: map[string]string{"url": u.String()}})
 	return result.ExpiresAt, err
 }
-func (s *Service) Activate(ctx context.Context, raw string) error {
+func (s *Service) Activate(ctx context.Context, raw string) (string, error) {
 	if len(raw) != 43 {
-		return verification.ErorrTokenNotFound()
+		return "", verification.ErorrTokenNotFound()
 	}
+	var email string
 	_, err := s.Transactions.CreateTransaction().Execute(ctx, func(tx context.Context) (any, error) {
 		token, err := s.Tokens.Consume(tx, bson.NilObjectID, verificationmodel.PurposeAccountActivation, "", raw)
 		if err != nil {
@@ -200,7 +216,14 @@ func (s *Service) Activate(ctx context.Context, raw string) error {
 				return nil, err
 			}
 		}
-		return nil, s.Accounts.Patch(tx, a.ID, repository.Patch().Set(repository.Field("status"), customer.AccountActive))
+		if err := s.Accounts.Patch(tx, a.ID, repository.Patch().Set(repository.Field("status"), customer.AccountActive)); err != nil {
+			return nil, err
+		}
+		email = a.Login
+		return nil, nil
 	})
-	return err
+	if err != nil {
+		return "", err
+	}
+	return email, nil
 }

backend/product/auth/http/v1/public/verification.go

@@ -139,11 +139,15 @@ func (pr *PublicRouter) activate(r *http.Request) http.HandlerFunc {
 	if err := decodeFlow(r, &req); err != nil {
 		return pr.flowError(err)
 	}
-	if err := pr.flow.Activate(r.Context(), req.Token); err != nil {
+	email, err := pr.flow.Activate(r.Context(), req.Token)
+	if err != nil {
 		return pr.flowError(err)
 	}
 	pr.logger.Info("Account activation completed")
-	return response.Accepted(pr.logger, map[string]bool{"verified": true})
+	return response.Accepted(pr.logger, struct {
+		Verified bool   `json:"verified"`
+		Email    string `json:"email"`
+	}{Verified: true, Email: email})
 }
 func challengeScope(raw string) string {
 	h := sha256.Sum256([]byte(raw))

backend/product/auth/http/v1/public/verification_integration_test.go

@@ -75,6 +75,17 @@ func (m *capturedMail) Send(_ context.Context, r notifications.Message) error {
 	}
 	return nil
 }
+
+type signupWallet struct {
+	customers []bson.ObjectID
+	err       error
+}
+
+func (s *signupWallet) Ensure(_ context.Context, a *customer.Account) error {
+	s.customers = append(s.customers, a.ID)
+	return s.err
+}
+
 func TestSignupActivationAndLoginEmailFlow(t *testing.T) {
 	ctx, cancel := context.WithTimeout(context.Background(), time.Minute)
 	defer cancel()
@@ -102,6 +113,8 @@ func TestSignupActivationAndLoginEmailFlow(t *testing.T) {
 	require.NoError(t, err)
 	provider := &signupProvider{fail: true}
 	service.Facts = &identity.Service{Store: bindings, Provider: provider, Logger: zap.NewNop()}
+	wallet := &signupWallet{err: merrors.ServiceUnavailable("account setup temporarily unavailable")}
+	service.Wallet = wallet
 	// Keep the real verification/customer stores and capture only session writes.
 	sessions := &testRefreshTokenDB{client: &session.Client{ClientID: "web"}}
 	records, err := factorstore.Open(zap.NewNop(), factory)
@@ -133,6 +146,14 @@ func TestSignupActivationAndLoginEmailFlow(t *testing.T) {
 	signup["name"] = "Changed retry name"
 	provider.fail = false
 	w = post("signup", signup)
+	require.Equal(t, 503, w.Code, w.Body.String())
+	require.Empty(t, mail.messages)
+	require.Len(t, wallet.customers, 1)
+	w = post("verification/send", map[string]string{"email": "user@example.com", "idempotencyKey": "wallet-retry"})
+	require.Equal(t, 503, w.Code, w.Body.String())
+	require.Empty(t, mail.messages)
+	wallet.err = nil
+	w = post("signup", signup)
 	require.Equal(t, 202, w.Code, w.Body.String())
 	require.Equal(t, 1, provider.registrations)
 	require.Equal(t, "Customer", provider.last.FullName)
@@ -149,20 +170,37 @@ func TestSignupActivationAndLoginEmailFlow(t *testing.T) {
 	require.NoError(t, err)
 	require.False(t, a.IsActive())
 	require.Equal(t, a.ID.Hex(), provider.last.CustomerRef)
+	require.Equal(t, []bson.ObjectID{a.ID, a.ID, a.ID}, wallet.customers)
 	require.NoError(t, service.Facts.Ready(ctx, a.ID))
 	login := map[string]any{"login": map[string]string{"login": "user@example.com", "password": " correct password "}, "clientId": "web", "deviceId": "browser"}
 	require.Equal(t, 403, post("login", login).Code)
-	require.Equal(t, 400, post("verification/confirm", map[string]string{"token": "invalid"}).Code)
+	invalid := post("verification/confirm", map[string]string{"token": "invalid"})
+	require.Equal(t, 400, invalid.Code)
+	require.NotContains(t, invalid.Body.String(), a.Login)
 	guard := &activationGuard{SignupFacts: service.Facts, block: true}
 	service.Facts = guard
-	require.Equal(t, 503, post("verification/confirm", map[string]string{"token": activation}).Code)
+	blocked := post("verification/confirm", map[string]string{"token": activation})
+	require.Equal(t, 503, blocked.Code)
+	require.NotContains(t, blocked.Body.String(), a.Login)
 	a, err = stores.Accounts.GetByEmail(ctx, a.Login)
 	require.NoError(t, err)
 	require.False(t, a.IsActive())
 	guard.block = false
 	w = post("verification/confirm", map[string]string{"token": activation})
 	require.Equal(t, 202, w.Code, w.Body.String())
-	require.Equal(t, 400, post("verification/confirm", map[string]string{"token": activation}).Code)
+	require.Equal(t, "no-store", w.Header().Get("Cache-Control"))
+	var confirmed struct {
+		Data struct {
+			Verified bool   `json:"verified"`
+			Email    string `json:"email"`
+		} `json:"data"`
+	}
+	require.NoError(t, json.Unmarshal(w.Body.Bytes(), &confirmed))
+	require.True(t, confirmed.Data.Verified)
+	require.Equal(t, a.Login, confirmed.Data.Email)
+	used := post("verification/confirm", map[string]string{"token": activation})
+	require.Equal(t, 400, used.Code)
+	require.NotContains(t, used.Body.String(), a.Login)
 	a, err = stores.Accounts.GetByEmail(ctx, a.Login)
 	require.NoError(t, err)
 	require.Equal(t, customer.AccountActive, a.Status)

backend/product/payments/accounts.go

@@ -0,0 +1,50 @@
+package payments
+
+import (
+	"context"
+	"time"
+
+	customer "git.sendico.io/tech/sxchnge/product/customers/model"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	"github.com/prometheus/client_golang/prometheus"
+	"github.com/prometheus/client_golang/prometheus/promauto"
+	"go.uber.org/zap"
+)
+
+var accountSetup = promauto.NewCounterVec(prometheus.CounterOpts{Name: "sxchnge_currency_accounts_setup_total", Help: "Default currency account setup attempts, including checks of existing accounts."}, []string{"outcome"})
+var accountSetupDuration = promauto.NewHistogram(prometheus.HistogramOpts{Name: "sxchnge_currency_accounts_setup_duration_seconds", Help: "Time to confirm all default currency accounts exist."})
+
+func (s *Service) Ensure(ctx context.Context, a *customer.Account) error {
+	_, err := s.ensureAccounts(ctx, a)
+	if err != nil {
+		return merrors.ServiceUnavailableWrap(err, "currency account setup unavailable")
+	}
+	return nil
+}
+
+func (s *Service) ensureAccounts(ctx context.Context, a *customer.Account) (subject string, result error) {
+	started := time.Now()
+	defer func() {
+		outcome := "ready"
+		if result != nil {
+			outcome = "failed"
+		}
+		accountSetup.WithLabelValues(outcome).Inc()
+		accountSetupDuration.Observe(time.Since(started).Seconds())
+	}()
+	if s == nil || s.Identity == nil || s.Provider == nil {
+		return "", Unavailable
+	}
+	if a == nil || a.ID.IsZero() {
+		return "", NotFound
+	}
+	subject, result = s.Identity.Subject(ctx, a)
+	if result != nil {
+		return "", result
+	}
+	if result = s.Provider.EnsureAccounts(ctx, subject); result != nil {
+		s.Logger.Warn("Currency account setup incomplete", zap.String("account_ref", a.ID.Hex()), zap.Error(result))
+		return "", result
+	}
+	return subject, nil
+}

backend/product/payments/accounts_test.go

@@ -0,0 +1,28 @@
+package payments
+
+import (
+	"testing"
+
+	customer "git.sendico.io/tech/sxchnge/product/customers/model"
+	"github.com/stretchr/testify/require"
+	"go.mongodb.org/mongo-driver/v2/bson"
+	"go.uber.org/zap"
+)
+
+func TestSignupAndWalletReadEnsureCustomerCurrencyAccounts(t *testing.T) {
+	a := &customer.Account{}
+	a.ID = bson.NewObjectID()
+	p := &provider{namespace: "provider"}
+	s := &Service{Provider: p, Identity: identity{}, Logger: zap.NewNop(), Factors: &factors{}, Store: &memoryStore{records: map[bson.ObjectID]Record{}}}
+	require.NoError(t, s.Ensure(t.Context(), a))
+	require.Equal(t, "subject", p.setupSubject)
+	snapshot, err := s.Fetch(t.Context(), a)
+	require.NoError(t, err)
+	require.Len(t, snapshot.Accounts, 1)
+	require.Equal(t, 2, p.setupCalls)
+	p.setupErr = Unavailable
+	_, err = s.Fetch(t.Context(), a)
+	require.ErrorIs(t, err, Unavailable)
+	require.Error(t, s.Ensure(t.Context(), a))
+	require.Error(t, s.Ensure(t.Context(), nil))
+}

backend/product/payments/model.go

@@ -53,6 +53,7 @@ func (*Record) Collection() string { return "payment_quotes" }
 
 type Provider interface {
 	Namespace() string
+	EnsureAccounts(context.Context, string) error
 	Accounts(context.Context, string) ([]Account, error)
 	Quote(context.Context, string, Request, []Account) (Quote, error)
 	Execute(context.Context, string, string) (RemoteOperation, error)

backend/product/payments/service.go

@@ -206,7 +206,7 @@ func (s *Service) Fetch(ctx context.Context, a *customer.Account) (Snapshot, err
 	if err := s.ready(); err != nil {
 		return Snapshot{}, err
 	}
-	subject, err := s.Identity.Subject(ctx, a)
+	subject, err := s.ensureAccounts(ctx, a)
 	if err != nil {
 		return Snapshot{}, err
 	}

backend/product/payments/service_test.go

@@ -82,9 +82,19 @@ type provider struct {
 	status       string
 	key          string
 	namespace    string
+	setupCalls   int
+	setupSubject string
+	setupErr     error
 }
 
 func (p *provider) Namespace() string { return p.namespace }
+func (p *provider) EnsureAccounts(_ context.Context, subject string) error {
+	p.mu.Lock()
+	defer p.mu.Unlock()
+	p.setupCalls++
+	p.setupSubject = subject
+	return p.setupErr
+}
 func (p *provider) Accounts(context.Context, string) ([]Account, error) {
 	return []Account{{ID: "ledger", Currency: "EUR", Precision: 2, Available: 5000}}, nil
 }

backend/product/providers/sendico/accounts.go

@@ -0,0 +1,87 @@
+package sendico
+
+import (
+	"context"
+	"net/http"
+
+	"git.sendico.io/tech/sxchnge/product/payments"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+)
+
+func (c *Client) validCustomerAccount(a accountDTO, subject string) bool {
+	return validRef(a.ID) && a.ScopeRef == c.config.OrganizationID && a.Owner == "" &&
+		a.Type == "ACCOUNT_TYPE_ASSET" && a.LedgerRole == "ACCOUNT_ROLE_OPERATING" &&
+		a.Status == "ACCOUNT_STATUS_ACTIVE" && !a.AllowNegative && a.Metadata["sxchnge_subject_ref"] == subject &&
+		(a.Metadata["external_subject_ref"] == "" || a.Metadata["external_subject_ref"] == subject)
+}
+
+// EnsureAccounts also repairs older customers, using provider-enforced
+// organization/subject/currency uniqueness for safe retries after lost responses.
+func (c *Client) EnsureAccounts(ctx context.Context, subject string) error {
+	if !validRef(subject) {
+		return payments.Unavailable
+	}
+	root := "/ledger_accounts/" + c.config.OrganizationID
+	var data accountListDTO
+	if err := c.paymentRequest(ctx, http.MethodGet, root, nil, &data); err != nil {
+		return err
+	}
+	existing := map[string]bool{}
+	reconcile := map[string]bool{}
+	for _, a := range data.Accounts {
+		if a.Metadata["sxchnge_subject_ref"] != subject && a.Metadata["external_subject_ref"] != subject {
+			continue
+		}
+		if !c.validCustomerAccount(a, subject) || existing[a.Currency] {
+			return payments.Unavailable
+		}
+		existing[a.Currency] = true
+		reconcile[a.Currency] = a.Metadata["external_subject_ref"] == subject
+	}
+	missing := []string{}
+	for _, code := range []string{"RUB", "USDT", "USDC"} {
+		if !existing[code] || reconcile[code] {
+			missing = append(missing, code)
+		}
+	}
+	if len(missing) == 0 {
+		return nil
+	}
+	// Older providers can accept the metadata but cannot prevent duplicates.
+	// Require the explicit capability before issuing the first create.
+	if !data.ExternalSubjectAccounts {
+		return payments.Unavailable
+	}
+	var catalog struct {
+		Rows []currencyDTO `json:"currencies"`
+	}
+	if err := c.paymentRequest(ctx, http.MethodGet, "/payments/fx/currencies/"+c.config.OrganizationID, nil, &catalog); err != nil {
+		return err
+	}
+	for _, code := range missing {
+		found := false
+		for _, currency := range catalog.Rows {
+			if currency.Code == code && currency.Scale != nil && *currency.Scale >= 0 && *currency.Scale <= 8 {
+				found = true
+			}
+		}
+		if !found {
+			return merrors.OpaqueWrap(payments.Unavailable, payments.Unsupported, "default currency missing from provider catalog")
+		}
+	}
+	// Replaying a bound create also resumes Sendico's durable wallet/route setup
+	// if a previous response failed after the ledger itself had been committed.
+	for _, code := range missing {
+		var response struct {
+			Account accountDTO `json:"account"`
+		}
+		request := createAccountDTO{Currency: code, Type: "asset", LedgerRole: "operating", Metadata: map[string]string{"external_subject_ref": subject, "sxchnge_subject_ref": subject}}
+		if err := c.paymentRequest(ctx, http.MethodPost, root, request, &response, http.StatusCreated); err != nil {
+			return err
+		}
+		if !c.validCustomerAccount(response.Account, subject) || response.Account.Currency != code || response.Account.Metadata["external_subject_ref"] != subject {
+			return payments.Unavailable
+		}
+	}
+	return nil
+}

backend/product/providers/sendico/accounts_test.go

@@ -0,0 +1,200 @@
+package sendico
+
+import (
+	"encoding/json"
+	"net/http"
+	"net/http/httptest"
+	"strings"
+	"sync"
+	"testing"
+
+	"github.com/stretchr/testify/require"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+type accountServer struct {
+	mu              sync.Mutex
+	rows            []accountDTO
+	posts           []string
+	capable         bool
+	missingCurrency bool
+	failCurrency    string
+	loseResponse    bool
+	wrongResponse   bool
+}
+
+func customerLedger(code string) accountDTO {
+	return accountDTO{ID: bson.NewObjectID().Hex(), ScopeRef: org, Currency: code, Type: "ACCOUNT_TYPE_ASSET", LedgerRole: "ACCOUNT_ROLE_OPERATING", Status: "ACCOUNT_STATUS_ACTIVE", Metadata: map[string]string{"sxchnge_subject_ref": subject, "external_subject_ref": subject}}
+}
+
+func (s *accountServer) serve(t *testing.T) http.HandlerFunc {
+	return func(w http.ResponseWriter, r *http.Request) {
+		s.mu.Lock()
+		defer s.mu.Unlock()
+		require.NotEmpty(t, r.Header.Get("Authorization"))
+		var data any
+		switch {
+		case strings.Contains(r.URL.Path, "/currencies/"):
+			rows := []map[string]any{{"code": "RUB", "accountingScale": 2}, {"code": "USDT", "accountingScale": 6}, {"code": "USDC", "accountingScale": 6}}
+			if s.missingCurrency {
+				rows = rows[:2]
+			}
+			data = map[string]any{"currencies": rows}
+		case r.Method == http.MethodPost:
+			var request createAccountDTO
+			require.NoError(t, json.NewDecoder(r.Body).Decode(&request))
+			require.Equal(t, "asset", request.Type)
+			require.Equal(t, "operating", request.LedgerRole)
+			require.False(t, request.AllowNegative)
+			require.Equal(t, subject, request.Metadata["external_subject_ref"])
+			require.Equal(t, subject, request.Metadata["sxchnge_subject_ref"])
+			s.posts = append(s.posts, request.Currency)
+			if s.failCurrency == request.Currency {
+				s.failCurrency = ""
+				w.WriteHeader(503)
+				return
+			}
+			var row accountDTO
+			for _, a := range s.rows {
+				if a.Currency == request.Currency && a.Metadata["external_subject_ref"] == subject {
+					row = a
+				}
+			}
+			if row.ID == "" {
+				row = customerLedger(request.Currency)
+				s.rows = append(s.rows, row)
+			}
+			if s.loseResponse {
+				s.loseResponse = false
+				w.WriteHeader(503)
+				return
+			}
+			if s.wrongResponse {
+				row.Currency = "EUR"
+			}
+			w.WriteHeader(http.StatusCreated)
+			data = map[string]any{"account": row}
+		case strings.HasSuffix(r.URL.Path, "/balance"):
+			parts := strings.Split(r.URL.Path, "/")
+			data = map[string]any{"balance": balanceDTO{ID: parts[len(parts)-2], Money: moneyDTO{Amount: "45.00", Currency: "RUB"}}}
+		default:
+			data = map[string]any{"accounts": s.rows, "externalSubjectAccounts": s.capable}
+		}
+		require.NoError(t, json.NewEncoder(w).Encode(map[string]any{"status": "success", "data": data}))
+	}
+}
+
+func TestEnsureCurrencyAccountsPreservesExistingAndRecoversPartialFailure(t *testing.T) {
+	for _, lost := range []bool{false, true} {
+		t.Run(map[bool]string{false: "partial failure", true: "lost response"}[lost], func(t *testing.T) {
+			s := &accountServer{capable: true, failCurrency: "USDT", loseResponse: lost}
+			if lost {
+				s.failCurrency = ""
+			}
+			server := httptest.NewServer(s.serve(t))
+			defer server.Close()
+			c, err := Open(config(t, server.URL))
+			require.NoError(t, err)
+			require.Error(t, c.EnsureAccounts(t.Context(), subject))
+			require.Len(t, s.rows, 1)
+			firstID := s.rows[0].ID
+			require.NoError(t, c.EnsureAccounts(t.Context(), subject))
+			require.NoError(t, c.EnsureAccounts(t.Context(), subject))
+			require.Len(t, s.rows, 3)
+			require.Equal(t, firstID, s.rows[0].ID)
+			// Bound creates are replayed to finish interrupted wallet/route setup;
+			// the provider must return the original ledger each time.
+			require.Equal(t, 3, countCurrency(s.posts, "RUB"))
+		})
+	}
+}
+
+func countCurrency(rows []string, code string) int {
+	n := 0
+	for _, r := range rows {
+		if r == code {
+			n++
+		}
+	}
+	return n
+}
+
+func TestEnsureAccountsConcurrentRequestsUseStableSubjectBinding(t *testing.T) {
+	s := &accountServer{capable: true}
+	server := httptest.NewServer(s.serve(t))
+	defer server.Close()
+	c, err := Open(config(t, server.URL))
+	require.NoError(t, err)
+	errors := make(chan error, 12)
+	for range 12 {
+		go func() { errors <- c.EnsureAccounts(t.Context(), subject) }()
+	}
+	for range 12 {
+		require.NoError(t, <-errors)
+	}
+	require.Len(t, s.rows, 3)
+}
+
+func TestEnsureAccountsRejectsUnsafeProviderStateBeforeCreating(t *testing.T) {
+	for _, kind := range []string{"old provider", "missing currency", "frozen", "owned", "negative", "duplicate", "wrong subject"} {
+		t.Run(kind, func(t *testing.T) {
+			s := &accountServer{capable: true}
+			a := customerLedger("RUB")
+			switch kind {
+			case "old provider":
+				s.capable = false
+			case "missing currency":
+				s.missingCurrency = true
+			case "frozen":
+				a.Status = "ACCOUNT_STATUS_FROZEN"
+				s.rows = []accountDTO{a}
+			case "owned":
+				a.Owner = source
+				s.rows = []accountDTO{a}
+			case "negative":
+				a.AllowNegative = true
+				s.rows = []accountDTO{a}
+			case "duplicate":
+				s.rows = []accountDTO{a, customerLedger("RUB")}
+			case "wrong subject":
+				a.Metadata["sxchnge_subject_ref"] = source
+				s.rows = []accountDTO{a}
+			}
+			server := httptest.NewServer(s.serve(t))
+			defer server.Close()
+			c, err := Open(config(t, server.URL))
+			require.NoError(t, err)
+			require.Error(t, c.EnsureAccounts(t.Context(), subject))
+			require.Empty(t, s.posts)
+		})
+	}
+}
+
+func TestEnsureAccountsValidatesCreateReceipt(t *testing.T) {
+	s := &accountServer{capable: true, wrongResponse: true}
+	server := httptest.NewServer(s.serve(t))
+	defer server.Close()
+	c, err := Open(config(t, server.URL))
+	require.NoError(t, err)
+	require.Error(t, c.EnsureAccounts(t.Context(), subject))
+	require.Len(t, s.posts, 1)
+}
+
+func TestEnsureAccountsKeepsExistingBindingsAndBalances(t *testing.T) {
+	a := customerLedger("RUB")
+	delete(a.Metadata, "external_subject_ref")
+	s := &accountServer{capable: true, rows: []accountDTO{a}}
+	server := httptest.NewServer(s.serve(t))
+	defer server.Close()
+	c, err := Open(config(t, server.URL))
+	require.NoError(t, err)
+	require.NoError(t, c.EnsureAccounts(t.Context(), subject))
+	require.Equal(t, []string{"USDT", "USDC"}, s.posts)
+	// A subsequent read uses the original RUB ledger and its authoritative funds.
+	s.rows = s.rows[:1]
+	accounts, err := c.Accounts(t.Context(), subject)
+	require.NoError(t, err)
+	require.Len(t, accounts, 1)
+	require.Equal(t, a.ID, accounts[0].ID)
+	require.EqualValues(t, 4500, accounts[0].Available)
+}

backend/product/providers/sendico/accounts_transport.go

@@ -0,0 +1,14 @@
+package sendico
+
+type accountListDTO struct {
+	Accounts                []accountDTO `json:"accounts"`
+	ExternalSubjectAccounts bool         `json:"externalSubjectAccounts"`
+}
+
+type createAccountDTO struct {
+	Currency      string            `json:"currency"`
+	Type          string            `json:"accountType"`
+	LedgerRole    string            `json:"role"`
+	AllowNegative bool              `json:"allowNegative"`
+	Metadata      map[string]string `json:"metadata"`
+}

backend/product/providers/sendico/client.go

@@ -12,7 +12,7 @@ import (
 	"go.mongodb.org/mongo-driver/v2/bson"
 )
 
-func (c *Client) post(ctx context.Context, resource, requestRef string, payload any) (receiptDTO, error) {
+func (c *Client) post(ctx context.Context, resource, requestRef string, payload any, expectedStatus int) (receiptDTO, error) {
 	var receipt receiptDTO
 	token, err := c.token()
 	if err != nil {
@@ -38,7 +38,7 @@ func (c *Client) post(ctx context.Context, resource, requestRef string, payload
 	}
 	defer func() { _ = response.Body.Close() }()
 	// Never decode or expose upstream error bodies, which can contain assertions.
-	if response.StatusCode != http.StatusOK {
+	if response.StatusCode != expectedStatus {
 		return receipt, merrors.ServiceUnavailable("Sendico request was not accepted")
 	}
 	decoder := json.NewDecoder(io.LimitReader(response.Body, 16385))
@@ -54,14 +54,14 @@ func (c *Client) post(ctx context.Context, resource, requestRef string, payload
 }
 
 func (c *Client) Register(ctx context.Context, requestRef string) (string, error) {
-	dto, err := c.post(ctx, "individuals", requestRef, nil)
+	dto, err := c.post(ctx, "individuals", requestRef, nil, http.StatusCreated)
 	if err != nil {
 		return "", err
 	}
 	return mapSubject(dto)
 }
 func (c *Client) Submit(ctx context.Context, subject, source string, facts identity.Facts) (identity.Receipt, error) {
-	dto, err := c.post(ctx, "identity_facts", bson.NewObjectID().Hex(), mapFacts(subject, source, facts))
+	dto, err := c.post(ctx, "identity_facts", bson.NewObjectID().Hex(), mapFacts(subject, source, facts), http.StatusOK)
 	if err != nil {
 		return identity.Receipt{}, err
 	}

backend/product/providers/sendico/client_test.go

@@ -48,6 +48,7 @@ func TestSignupWireContractAndCredentialRotation(t *testing.T) {
 		if strings.Contains(r.URL.Path, "/individuals/") {
 			require.Equal(t, "registration-request", r.Header.Get("X-Request-ID"))
 			require.Empty(t, body)
+			w.WriteHeader(http.StatusCreated)
 			_, _ = fmt.Fprintf(w, `{"status":"success","data":{"subject_ref":%q,"registered_at":"2026-10-07T10:30:00.123Z"}}`, subject)
 		} else {
 			require.JSONEq(t, `{"subject_ref":"`+subject+`","source_submission_ref":"signup-1","facts":{"full_name":"Ada Lovelace","email":"ada@example.com","external_customer_ref":"local-user"}}`, string(body))
@@ -95,6 +96,36 @@ func TestRejectInvalidConfiguration(t *testing.T) {
 	require.Error(t, err)
 }
 
+func TestSignupReceiptsRequireOperationStatus(t *testing.T) {
+	for _, status := range []int{200, 201, 202, 204, 206, 300, 403, 409, 503} {
+		t.Run(http.StatusText(status), func(t *testing.T) {
+			server := httptest.NewServer(http.HandlerFunc(func(w http.ResponseWriter, r *http.Request) {
+				w.WriteHeader(status)
+				_, _ = fmt.Fprintf(w, `{"status":"success","data":{"subject_ref":%q,"registered_at":"2026-10-07T10:30:00Z","submission_ref":%q,"accepted_at":"2026-10-07T10:30:00Z"}}`, subject, submission)
+			}))
+			defer server.Close()
+			client, err := Open(config(t, server.URL))
+			require.NoError(t, err)
+			ref, err := client.Register(context.Background(), "registration-request")
+			if status == http.StatusCreated {
+				require.NoError(t, err)
+				require.Equal(t, subject, ref)
+			} else {
+				require.Error(t, err)
+				require.Empty(t, ref)
+			}
+			receipt, err := client.Submit(context.Background(), subject, "key", identity.Facts{})
+			if status == http.StatusOK {
+				require.NoError(t, err)
+				require.Equal(t, submission, receipt.SubmissionRef)
+			} else {
+				require.Error(t, err)
+				require.Empty(t, receipt)
+			}
+		})
+	}
+}
+
 func TestUpstreamFailuresNeverProduceReceiptsOrLeakBodies(t *testing.T) {
 	for _, tc := range []struct {
 		name   string
@@ -113,7 +144,11 @@ func TestUpstreamFailuresNeverProduceReceiptsOrLeakBodies(t *testing.T) {
 	} {
 		t.Run(tc.name, func(t *testing.T) {
 			server := httptest.NewServer(http.HandlerFunc(func(w http.ResponseWriter, r *http.Request) {
-				w.WriteHeader(tc.status)
+				status := tc.status
+				if status == http.StatusOK && strings.Contains(r.URL.Path, "/individuals/") {
+					status = http.StatusCreated
+				}
+				w.WriteHeader(status)
 				_, _ = io.WriteString(w, tc.body)
 			}))
 			defer server.Close()

backend/product/providers/sendico/payments.go

@@ -27,9 +27,7 @@ func (c *Client) Accounts(ctx context.Context, subject string) ([]payments.Accou
 			scales[row.Code] = *row.Scale
 		}
 	}
-	var data struct {
+	var data accountListDTO
-		Accounts []accountDTO `json:"accounts"`
-	}
 	root := "/ledger_accounts/" + c.config.OrganizationID
 	if err := c.paymentRequest(ctx, http.MethodGet, root, nil, &data); err != nil {
 		return nil, err
@@ -39,7 +37,7 @@ func (c *Client) Accounts(ctx context.Context, subject string) ([]payments.Accou
 		if row.Metadata["sxchnge_subject_ref"] != subject {
 			continue
 		}
-		if !validRef(row.ID) || row.ScopeRef != c.config.OrganizationID || row.Owner != "" || row.Status != "ACCOUNT_STATUS_ACTIVE" || row.Type != "ACCOUNT_TYPE_ASSET" || row.LedgerRole != "ACCOUNT_ROLE_OPERATING" {
+		if !c.validCustomerAccount(row, subject) {
 			return nil, payments.Unavailable
 		}
 		scale, ok := scales[row.Currency]

backend/product/providers/sendico/payments_transport.go

@@ -61,6 +61,7 @@ type accountDTO struct {
 	Type          string            `json:"accountType"`
 	LedgerRole    string            `json:"role"`
 	Status        string            `json:"status"`
+	AllowNegative bool              `json:"allowNegative"`
 	Metadata      map[string]string `json:"metadata"`
 }
 type currencyDTO struct {
@@ -72,7 +73,7 @@ type balanceDTO struct {
 	Money moneyDTO `json:"balance"`
 }
 
-func (c *Client) paymentRequest(ctx context.Context, method, path string, payload, dst any) error {
+func (c *Client) paymentRequest(ctx context.Context, method, path string, payload, dst any, accepted ...int) error {
 	token, err := c.token()
 	if err != nil {
 		return err
@@ -98,7 +99,11 @@ func (c *Client) paymentRequest(ctx context.Context, method, path string, payloa
 	}
 	defer func() { _ = res.Body.Close() }()
 	// Never forward upstream errors, credentials, or arbitrary error bodies.
-	if res.StatusCode != http.StatusOK {
+	expected := http.StatusOK
+	if len(accepted) != 0 {
+		expected = accepted[0]
+	}
+	if res.StatusCode != expected {
 		return payments.Unavailable
 	}
 	var envelope struct {

docs/implementation.md

@@ -968,3 +968,35 @@ remain separate capabilities. Unrelated notifications runtime changes are exclud
 Delivered in [PR #51](https://git.sendico.io/tech/sxchnge/pulls/51), targeting
 `identity-verification-48`. Merge order is #47 → #49 → #51; deploy Sendico #2897
 before SXCHNGE #51. Both implementation branches are pushed and remain unmerged.
+
+## Saved payout destinations UX — #54
+
+Branch `payout-destinations-54`, based on `local-stand-52`. Implements Settings
+creation, details, rename, replacement and removal; explicit payout selection;
+optional saving and one-time preparation for crypto, cards and Russian personal
+accounts. Shared typed service/model/provider layers separate destination identity,
+metadata/execution revisions, ownership, provider bindings, contextual eligibility,
+save outcomes and financial outcomes. The customer-scoped demo replays stable
+created/duplicate results, preserves immutable quote/history snapshots, rechecks at
+acceptance, and demonstrates card-binding restoration without creating a second
+card. Bank directory/paste handling follows the reviewed Sendico interface.
+
+EN/RU and 320 px/1.6× layouts are tested. Formatting (44 changed Dart files),
+analysis of app/wallet/analytics, `make test-frontend` (including 89 app tests), and
+`flutter build web` with Wasm dry run passed. Browser smoke inspection confirmed
+bank form rendering, labeled controls and keyboard focus. Full assistive-technology
+and real-provider audits were not performed. No security scans were requested/run.
+
+Persistence and bindings in this delivery are simulated and reset on reload.
+Authenticated live mode retains explicit use of its provisioned payout destination;
+new types fail closed until the backend supplies the documented capabilities and
+registry/atomic-acceptance contracts. No routing, ownership-verification system,
+provider integration or financial engine was added. See
+[the specification and integration boundary](ux/payout-destinations.md).
+
+Stacked merge order: #47 → #49 → #51 → #53 → this contribution. The unrelated
+notifications runtime edit is preserved outside task commits. Delivery links follow.
+
+Delivery: [task #54](https://git.sendico.io/tech/sxchnge/issues/54) and
+[PR #55](https://git.sendico.io/tech/sxchnge/pulls/55). Implementation commit
+`24af794`; PR base `local-stand-52`. No merge performed.

docs/local-development.md

@@ -27,10 +27,17 @@ project directory. Dockerfiles are in `infra/images/`. Runtime and startup files
 are grouped by service under `infra/local/`. The stack consists of Vault, Mongo,
 NATS, notifications, BFF and Caddy serving the frontend.
 
+The frontend container uses Compose `init: true` to reap orphaned `ssl_client`
+children created by BusyBox's HTTPS `wget` health probe. Keep this enabled:
+Caddy alone does not reap those children when it runs as PID 1, and repeated
+probes can accumulate thousands of zombie processes. Recreate the frontend
+container when applying this setting; restarting an old container does not
+change its init configuration.
+
 On first startup, bootstrap initializes/unseals persistent Vault, provisions
 AppRoles and secrets, initializes Mongo replica set `rs0`, configures Vault's Mongo
 plugin, and starts authenticated NATS JetStream. Product startup fails explicitly
-until Resend credentials exist. Infrastructure remains available for provisioning.
+until the SMTP mailbox password exists. Infrastructure remains available for provisioning.
 
 After all services pass their startup health checks and the public Caddy CA is
 exported, `make up` prints a Sendico-style completion message with the frontend,
@@ -56,7 +63,7 @@ kv/
 ├── services/
 │   ├── bff/jwt                         # jwt
 │   └── notifications/
-│       └── email/resend                # api_key only
+│       └── email/smtp                  # password only
 └── infrastructure/
     ├── nats/auth                       # token; read by NATS and notifications
     └── mongo/bootstrap                 # local administrator and replica-set bootstrap material
@@ -74,29 +81,35 @@ There are no frontend certificates, notification certificates or generic `tls`
 entries in KV. Browser certificates belong to Caddy; internal gRPC is plaintext
 on the trusted private Docker network without caller authentication.
 
-## Resend
+## Local SMTP mail
 
 Open [Vault](http://127.0.0.1:18200) and edit
-`kv/services/notifications/email/resend`:
+`kv/services/notifications/email/smtp`:
 
 | Field | Value |
 | --- | --- |
-| `api_key` | Your Resend API key |
+| `password` | Password for the configured SMTP mailbox |
 
 The driver and sender settings belong in `infra/local/notifications/runtime.yml`:
 
 ```yaml
 email:
-  driver: resend
+  driver: smtp
   settings:
-    api_key_env: EMAIL_API_KEY
+    host: mail.sendico.io
-    sender_address: "your-verified-sender@example.com"
+    port: 465
+    username: no-reply@sendico.io
+    password_env: SMTP_PASSWORD
+    network_timeout: 10
+    sender_address: no-reply@sendico.io
     sender_name: "SXCHNGE"
 ```
 
-Set your verified address in that file and rebuild. It is intentionally empty by
+The local stack uses Sendico's existing `no-reply@sendico.io` mailbox with
-default, so notifications cannot start with an unconfigured sender. Vault Agent
+authenticated implicit TLS on port 465 and certificate verification enabled.
-injects only the API key; it does not generate email configuration.
+Vault Agent injects only the password; host, username and sender are non-secret
+runtime settings. Credentials are provisioned into SXCHNGE's own Vault; the
+notification service does not read Sendico configuration or secrets at runtime.
 
 Local administrator login material is in private `.local/dev/admin/init.json`.
 Product containers cannot access it. Alternatively use the hidden terminal prompt:
@@ -106,12 +119,15 @@ make email
 make build && make up
 ```
 
-No placeholder key or delivery fallback is installed. Startup validates presence;
+No placeholder password or delivery fallback is installed. Startup validates
-it does not send an email or validate domain ownership with Resend. Updating the
+configuration and secret presence; the SMTP connection is opened on demand.
-API key causes Agent to restart notifications. Driver/sender changes require an
+Updating the password causes Agent to restart notifications. Driver/sender
-image rebuild. Existing API keys survive bootstrap. Migration removes legacy
+changes require an image rebuild. Old Resend secrets remain in Vault history
-driver/sender fields from the current Vault secret with a version-checked write;
+but are not used or readable by the notifications AppRole. HTTP providers remain
-the preceding version is preserved in Vault history and the private archive.
+available for other deployments; switching one requires matching Agent/policy
+and runtime configuration. SMTP has no provider idempotency guarantee: explicit
+4xx rejections retry, 5xx rejections fail, and ambiguous transport outcomes require
+operator reconciliation before another send.
 
 ## Browser HTTPS and internal connections
 

docs/local-sendico.md

@@ -105,12 +105,35 @@ docker compose --project-directory . -f infra/local/compose.yml \
   -f infra/local/sendico/compose.yml --env-file .local/dev/images.env restart sendico
 ```
 
+A BFF container restart can leave its session worker in the old shared network
+namespace. The worker checks Vault DNS every ten seconds, with a five-second
+lookup limit. Three consecutive failures log a credential-free recovery reason
+and terminate the session process; Docker's restart policy then attaches it to
+the BFF's current namespace. A successful lookup resets the counter, so transient
+DNS failures do not immediately restart the worker.
+
+Container recreation changes the BFF container ID as well as its namespace.
+Bootstrap and credential-rotation tooling recreate BFF and its configured session
+worker together. Compose also marks the session dependency for restart when BFF
+is explicitly updated. For a manual forced recreation, select both services:
+
+```sh
+docker compose --project-directory . -f infra/local/compose.yml \
+  -f infra/local/sendico/compose.yml --env-file .local/dev/images.env \
+  up -d --no-deps --force-recreate --wait bff sendico
+```
+
+The parent process cleans up its bridge, DNS monitor and renewal delay on exit.
+This recovery retains the configured provider URL, account and replay namespace.
+
 `make test-dev` checks seven healthy services, verified browser TLS, the Vault
 layout and least-privilege identities, Mongo transactions/lease rotation, and
 authenticated Sendico currency and ledger reads through the same loopback
 connection and token used by BFF. It sends no email and executes no payment.
-An empty wallet is expected until dedicated subject-bound currency ledgers and
+Signup and wallet access automatically ensure subject-bound RUB, USDT and USDC
-saved methods are provisioned as described in [payment provisioning](payments.md).
+ledgers as described in [account setup](payments.md#automatic-currency-accounts-72).
+Deploy the provider prerequisite and grant ledger-create permission first.
+Saved funding and payout methods remain separate from currency-account setup.
 
 ## Recovery
 
@@ -130,6 +153,21 @@ and the established CA. A subsequent verified TLS check must succeed.
 
 ## Acceptance and operator UX review
 
+Recovery follow-up for [task #57](https://git.sendico.io/tech/sxchnge/issues/57) /
+[PR #59](https://git.sendico.io/tech/sxchnge/pulls/59), validated on 2026-10-19:
+`make test-dev-tooling`, `make test-dev-rotation`, Compose configuration validation,
+`sh infra/local/tools.sh verify` and `git diff --check` pass. A BFF-only restart
+triggered automatic session restart and restored matching network namespaces;
+paired recreation also finished healthy. Rotation observed three real Vault
+pool replacements, an unchanged BFF process and 534 transaction-backed requests
+with zero failures. The final check verifies all seven SXCHNGE services, browser
+HTTPS, Vault/database boundaries and authenticated Sendico currency/ledger reads.
+An earlier check failed because Sendico's ledger announcement connection was
+closed; restoring Discovery and its service announcers in dependency order
+recovered that existing stand. No Sendico source or financial data was changed,
+and no email or payment was sent. This follow-up changes shell/Compose tooling;
+it does not rerun the earlier full Go/Flutter suite for unchanged product source.
+
 Validated on 2026-10-16: `make build`, `make up`, `make test-dev-tooling`,
 `make test-dev-infra`, `make test-dev`, and `git diff --check` passed. Both product
 sites, Sendico Backoffice and both API health endpoints returned HTTP 200;

docs/payments.md

@@ -52,22 +52,50 @@ coordinated deployment of the platform's financial services.
 
 Reuse `api.sendico` and its existing Vault-rendered token file. Do not put provider
 credentials or organization/source settings in Flutter. Provision the integration
-account's organization membership, payment-create/read, ledger-account/balance
+account's organization membership, payment-create/read, ledger-account create/read,
-read and the permissions needed to resolve its stored payment methods. Verify
+balance read and the permissions needed to resolve its stored payment methods. Verify
 those permissions in the intended environment before enabling real operations.
 
-Through Sendico's existing operator APIs, provision one dedicated unowned
+### Automatic currency accounts (#72)
-organization ledger per customer currency, with active `asset` / `operating`
+
-semantics, no negative balance and metadata:
+The backend ensures **RUB, USDT and USDC** accounts after confirmed identity intake
+during signup, before sending the activation email. Resending activation retries
+the same setup. Every authenticated wallet load also ensures the defaults, so
+existing customers receive missing accounts automatically when they next open
+their wallet. This is lazy backfill, not an eager scan of dormant customers.
+
+Setup creates dedicated unowned organization ledgers through the public
+`POST /ledger_accounts/{organization}` API, with active `asset` / `operating`
+semantics, zero initial funds, no negative balance and metadata:
 
 | Ledger metadata | Meaning |
 | --- | --- |
 | `sxchnge_subject_ref` | Confirmed independent subject reference from sign-up |
+| `external_subject_ref` | Same confirmed subject; provider-enforced organization/subject/currency uniqueness |
 | `sxchnge_payout_method_ref` | Optional prevalidated same-currency saved payout method |
 | `sxchnge_payout_label` | Safe customer-visible destination label, e.g. bank plus masked suffix |
 | `sxchnge_funding_method_ref` | Optional same-currency saved funding source supported by the platform route |
 
-These are financial-resource bindings maintained by trusted provisioning, not
+Existing customer ledgers and their balances are preserved, including manually
+provisioned ledgers with the original `sxchnge_subject_ref` tag. Only missing
+defaults are created; existing additional currencies remain visible. Repeated
+bound creates reuse the ledger and resume Sendico's durable wallet/route setup
+after an interrupted response. Frozen, duplicate or incorrectly owned bindings
+fail instead of creating a replacement. All required currency precision entries
+are checked against the provider catalog before issuing creates. Saved funding
+and payout bindings remain separate from creation of the currency accounts.
+
+Deploy [Sendico #2968](https://git.sendico.io/tech/sendico/issues/2968) first:
+Ledger (including its unique index), then Product Edge, then SXCHNGE backend and
+frontend from [PR #73](https://git.sendico.io/tech/sxchnge/pulls/73). The public
+ledger list must advertise `externalSubjectAccounts: true` before SXCHNGE sends
+any create requests. Older providers fail safely without creating accounts.
+The acknowledgement assumes Ledger and Edge are deployed in that order; it
+does not discover the version of a separately running Ledger. No new runtime
+configuration or credentials are introduced. Existing deployments must give the
+integration principal the ledger-create permission in addition to its reads.
+
+These are financial-resource bindings maintained by server-side setup, not
 client choices or new runtime configuration. Do not tag a pooled/integration-login
 ledger as a customer ledger. Do not place full bank/card details or secret values
 in labels or metadata. The BFF checks subject, organization, account type, role,
@@ -79,7 +107,8 @@ review action. Funding uses a quote for the provisioned stored source; it does
 not mint money or treat demo top-ups as real deposits. Additional destinations,
 recipient onboarding and other funding instructions remain separate features.
 
-An empty set of provisioned ledgers is an empty wallet. Existing organization
+If setup reports a failure, the API returns an unavailable wallet rather than an
+empty snapshot or demo balances. Retrying the app load retries setup. Existing organization
 payments and pooled balances are never imported into customer history. This
 integration exposes the durable operations initiated through this BFF, with live
 provider reconciliation; independent inbound deposits/history ingestion and

docs/signup-facts.md

@@ -5,8 +5,191 @@ Task [#46](https://git.sendico.io/tech/sxchnge/issues/46), branch
 customer creation, runtime, shared database source and Flutter error feedback.
 Delivery: [PR #47](https://git.sendico.io/tech/sxchnge/pulls/47), targeting `main`.
 
+## Registration response correction
+
+Follow-up [#57](https://git.sendico.io/tech/sxchnge/issues/57), branch
+`identity-facts-57`, delivered in [PR #59](https://git.sendico.io/tech/sxchnge/pulls/59)
+against `main` (implementation `abca15f`), corrects the registration success status
+to HTTP 201 Created. The PR remains unmerged.
+Sendico's individual creation handler returns 201; the original adapter and test
+fixture incorrectly required 200. A successful registration therefore left a
+pending customer with an unresolved claim and `signup_attention_required`.
+The adapter now checks the exact status per operation before validating receipts:
+201 for registration and 200 for Facts intake. Other statuses, including other
+2xx responses, remain failures. Malformed receipts and uncertain registrations
+still require the existing recovery rules.
+
+On 2026-10-17, the affected local signup was reconciled using its registration
+correlation in Sendico logs and an authenticated organization-scoped individual
+GET. A conditional majority write bound that confirmed individual to the existing
+local claim, preserving the saved facts, namespace and registration request.
+The rebuilt BFF resumed the public activation-resend flow: Facts intake returned
+a persisted receipt and the endpoint returned 202 after activation-email queue
+acceptance. No replacement individual was registered. The account remains
+pending until the customer confirms the email; queue acceptance does not prove
+inbox delivery.
+
+Recovery also exposed a notification worker lifetime issue: its NATS subscription
+retained the 20-second startup context and was automatically unsubscribed after
+that deadline. Resource provisioning now has its own bounded context, while the
+subscription follows the service lifetime and closes at shutdown. A regression
+test checks that releasing provisioning leaves the subscription context active,
+and service cancellation still ends it.
+
+The rebuilt worker processed the queued activation message. The live Resend
+provider rejected it with `provider_authentication_failed` (HTTP 401 or 403),
+leaving delivery in `failed` after one attempt. Later diagnostics below identify
+the unverified sender domain as the actual blocker. Correct domain authorization
+before activation resend with a new idempotency key. Credential rotation is not
+required by that error; if a separate rotation is needed, use `make email` and
+allow Vault Agent to refresh/restart the notification process. Do not replay the
+failed notification as a success or mark the customer active on their behalf.
+
+Validation passed: `GOFLAGS=-p=2 make test` (all backend race tests and canonical
+frontend suites), `make lint-backend`, focused provider/identity race tests and
+notification bus/app race tests. The HTTP 201 regression first failed against the
+old adapter and passed after correction. An earlier full run hit a database
+credential-rotation timing failure at `rotation_test.go:249` during the Docker
+build; the isolated race-test retry and both subsequent full runs passed.
+Local BFF and notifications images were rebuilt with fresh upstream manifests
+and resolved stable digest pins; the BFF, session sidecar and notifications
+services are healthy. NATS shows the worker still waiting for deliveries beyond
+the startup deadline, with no pending or unacknowledged jobs. Live email delivery
+is blocked by provider authorization as described above. No security scans were
+requested or run. Unrelated notifications runtime settings are excluded from
+the task commits.
+
+### Provider diagnostics follow-up
+
+The same task/PR adds transient provider diagnostics to the worker's existing
+structured outcome log: `provider_status`, `provider_error` and
+`provider_message`. The adapter extracts bounded Resend/SendGrid error fields and
+redacts credentials, request values, addresses, URLs and token/code fragments.
+Transport errors have a sanitized cause; invalid or oversized responses have a
+safe fallback. Diagnostics remain outside stored notification models and public
+gRPC responses. The outcome is logged even when its result write fails. See
+the [notification logging contract](../backend/notifications/README.md).
+
+Runtime inspection confirmed `email.driver: resend`, an API key in Vault, and
+sender `noreply@sxchnge.com`. A live diagnostic notification used Resend's
+documented `delivered+sxchnge-config@resend.dev` test mailbox, without retrying
+the customer's email. The rebuilt worker logged HTTP 403,
+`provider_error: validation_error`, and the sanitized message:
+`The sxchnge.com domain is not verified. Please, add and verify your domain on [redacted-url]`.
+The precise blocker is sender-domain verification, not missing local Resend
+configuration. A sending-only key is appropriate for sending; its inability to
+read Resend's logs API does not explain the original send failure. Verify the
+configured domain in Resend (and its required DNS records), or explicitly choose
+an already verified sender domain. No sender/domain/DNS setting was changed by
+this follow-up; the customer's account remains pending email confirmation.
+
+Follow-up validation passed: `GOFLAGS=-p=2 make test`, `make lint-backend`, and
+`go -C backend/notifications test -race ./email ./service -count=1`. Coverage
+includes Resend/SendGrid messages, malformed/trailing/oversized response bodies,
+credential/content/code redaction, Unicode-safe truncation, sanitized transport
+errors, and exactly one provider outcome log even when persistence fails. The
+notifications image was rebuilt from fresh stable digest pins and deployed
+healthy; the live test verified both the diagnostic log and the unchanged generic
+gRPC failure response. No security scan or real customer email retry was run.
+
 ## Behavior and boundaries
 
+### Local mail client
+
+The user subsequently selected Sendico's existing mailbox instead of Resend for
+local notifications. The authoritative Sendico configuration resolves to
+`no-reply@sendico.io`, `mail.sendico.io:465`, authenticated implicit TLS and a
+10-second network timeout. SXCHNGE's owned `smtp` adapter consumes rendered email
+models through the existing sender contract and queue; it does not import or
+access Sendico business modules, databases or messaging. The password was copied
+once, without printing it, from the running Sendico notification environment into
+`services/notifications/email/smtp` in SXCHNGE Vault. Only `password` is stored
+there; host, port, username, display name and sender remain in runtime YAML.
+
+The SMTP adapter verifies certificates, authenticates before submission, sends
+UTF-8 MIME alternatives, and requires the final DATA 250 reply for acceptance.
+SMTP 4xx replies retry through the existing worker policy; 5xx replies fail;
+ambiguous transport outcomes remain UNKNOWN and are not immediately resent.
+Message-ID is correlation only, not a provider idempotency guarantee. Existing
+failed Resend notifications are not replayed or rewritten. The unverified
+`sxchnge.com` Resend domain is no longer the selected local delivery path.
+
+Live verified-TLS SMTP authentication and NOOP succeeded with reply 250 using
+the password from SXCHNGE Vault, without submitting email. SMTP adapter race
+tests, `make lint-backend`, `make test-dev-tooling` and `make test-dev-infra`
+pass, including canonical Vault layout, service permission isolation, database
+credential issuance/renewal/revocation and transactions. The final
+`GOFLAGS=-p=2 make test` passes all backend race tests and frontend suites.
+
+Earlier attempts hit Docker archive-copy/reaper timeouts, Go proxy TLS failures
+and stalled cache extraction/container startup. The user authorized restarting
+Docker Desktop. After recovery, the normal Compose `build --pull notifications`
+succeeded with the resolved stable digest pins; no checks were disabled. The
+generator stage shares the existing BuildKit Go module/build caches and retains
+the pinned tools and canonical Make generation command. A discarded fallback
+compiler attempt also failed to access its checksum-state directory; it was not
+used for the deployed artifact.
+
+The matching Vault Agent policy/template were applied, and notifications was
+recreated healthy. Its running image matches the rebuilt image
+`sha256:d4cbc0cb9005e9cef9381abdf2a13f672104d160536ee6d77ac73a909c0a8638`,
+and its startup log confirms `email_driver: smtp`. No customer email was sent or
+failed Resend job replayed; SMTP authentication is not a recipient-delivery
+check. Sendico's Vault sealed during the Docker restart and was unsealed with
+its existing local key, without reinitialization or exposing credentials.
+Its affected services were restarted in dependency order. The local Sendico
+session sidecar shares the BFF network namespace, so it was restarted after the
+BFF to restore Docker DNS and the loopback bridge. Final
+`sh infra/local/tools.sh verify` passes: seven healthy services, verified HTTPS
+for frontend/proxied BFF, authenticated Sendico currency/ledger reads and the
+Vault/database checks. No Sendico repository files were changed.
+
+On October 18, the frontend had 15,897 processes, including 15,888 unreaped
+`ssl_client` zombie children of Caddy PID 1. The three-second HTTPS health
+probe used BusyBox `wget`, which left those children behind. This confirmed a
+recurring local infrastructure leak, independently of SMTP authentication.
+Compose now enables `init: true` for frontend, and only that container was
+recreated. PID 1 is now `docker-init`; 40 consecutive HTTPS probes completed
+with zero zombie processes and a bounded count of 15 processes afterward.
+Compose configuration validation and `make test-dev-tooling` pass. The API
+health endpoint returns HTTP 200; a diagnostic request using the existing
+account and a generated incorrect password returned HTTP 400 `email_in_use`
+without creating an account or sending email.
+
+The contemporaneous full local verification attempt is blocked by MongoDB's
+five-second health-check timeout under continuing host load; it is not recorded
+as passing. The exact response to the reported Safari attempt was not captured,
+and the frontend's generic unavailable text also covers some HTTP 400 input
+errors. A fresh user retry is needed to confirm the visible signup outcome.
+
+On October 19 the failing API was directly observed returning HTTP 502. The BFF
+had restarted while the session worker retained its old network namespace;
+`/proc/self/ns/net` differed between them, and the worker could not resolve
+Vault. Sendico's public API itself returned HTTP 200. Restarting only the worker
+reattached its namespace and restored SXCHNGE API HTTP 200. This is a confirmed
+cause of that 502, separate from the previous process leak and host-load finding.
+
+The session now monitors bounded DNS failures and exits after three consecutive
+failures so Docker can reattach it automatically. Bootstrap and rotation pair
+BFF/session recreation, with Compose dependency restart enabled. Offline shell
+fixtures cover transient-failure reset, sustained-failure recovery, safe parent
+targeting and conditional service pairing. A live BFF-only restart automatically
+restarted the session and restored matching namespaces, fresh session readiness
+and API HTTP 200. A second live test recreated BFF and its session together and
+confirmed healthy services with matching namespaces. No provider bindings,
+customer records, credentials or Sendico source files were changed.
+
+Final October 19 validation passes: `make test-dev-tooling`, Compose config
+validation, `make test-dev-rotation` (three real rotations, unchanged BFF process,
+534 transaction-backed requests and zero failures), and
+`sh infra/local/tools.sh verify`. The last confirms all seven healthy services,
+verified frontend/BFF HTTPS, Vault/database checks and authenticated Sendico
+currency/ledger reads. An initial ledger-read failure was resolved by restoring
+Sendico Discovery and its announcers in their documented dependency order after
+closed NATS connections. No email was sent during validation. The recovery fix
+and its validation are included in [PR #59](https://git.sendico.io/tech/sxchnge/pulls/59).
+
+
 With `api.sendico` configured, the product BFF creates the local pending customer
 and activation token atomically, then registers an independent individual through
 Sendico's public HTTP API and submits the sign-up assertions. It persists the
@@ -18,7 +201,7 @@ backfilled or blocked at login.
 
 The adapter consumes these existing Sendico contracts:
 
-- `POST /individuals/{organization_ref}`, empty body, HTTP 200 registration
+- `POST /individuals/{organization_ref}`, empty body, HTTP 201 registration
   receipt containing `subject_ref` and `registered_at`.
 - `POST /identity_facts/{organization_ref}`, HTTP 200 immutable intake receipt
   containing `submission_ref`, `subject_ref` and `accepted_at`.
@@ -73,9 +256,10 @@ the adapter rereads it on every request. Startup rejects missing, expired or
 mismatched credentials and rejects Sendico configuration without notifications.
 
 HTTPS is required except for loopback HTTP test/development endpoints. Redirects
-are rejected and each HTTP call has a four-second timeout. Non-200 responses,
+are rejected and each HTTP call has a four-second timeout. Unexpected response
-malformed/truncated receipts, invalid identifiers, wrong subjects and unsuccessful
+statuses (registration requires 201; Facts intake requires 200), malformed/truncated
-envelopes never count as acceptance. Upstream error bodies are not surfaced.
+receipts, invalid identifiers, wrong subjects and unsuccessful envelopes never
+count as acceptance. Upstream error bodies are not surfaced.
 
 Omitting `api.sendico` keeps existing local-only behavior. Enabling it also gates
 activation for previously pending customers; use activation resend to submit
@@ -85,6 +269,34 @@ adapter fingerprint and blocks existing bindings for explicit reconciliation.
 Token rotation for the same account retains that fingerprint. Plan such changes
 as migrations; never reset a binding just to bypass the check.
 
+## Local signup request diagnosis
+
+The October 19 follow-up screenshot still shows the generic unavailable message
+after the network recovery. That screenshot alone does not establish a 503:
+the frontend also maps some rejected inputs and browser transport failures to
+that message. At the follow-up check the health endpoint returned 200, and BFF
+signup counters contained only the operator's two deliberately invalid probes.
+The user's current browser failure has not yet been reproduced or resolved.
+
+Local Caddy now logs requests to exactly `/api/v1/accounts/signup` under
+`http.log.access.signup`, including HTTP status and duration. The complete
+request object, response headers and user identifier are removed before log
+encoding, so paths/queries, cookies, authorization, addresses and user-supplied
+headers cannot enter these access records. Bodies are never logged. Other
+requests, including health probes and email confirmation URLs, are skipped.
+Inspect with:
+
+```sh
+docker logs --since 5m sxchnge-local-frontend-1 2>&1 |
+  jq -Rrc 'fromjson? | select(.logger=="http.log.access.signup")'
+```
+
+Validation: Caddy configuration validation and reload passed; a deliberately
+invalid signup returned 400 and produced the expected status/duration record.
+Sentinel query, cookie and custom-header values were absent from its log.
+The frontend was rebuilt with freshly resolved stable image pins. No real
+signup or customer email was submitted during this diagnostic work.
+
 ## Persistence, retries and recovery
 
 The local `signup_facts` collection uses the customer ID as `_id`, so its unique

docs/ux/auth-journeys.md

@@ -149,3 +149,213 @@ text uses a normal text node to remain exposed to assistive technology.
 Delivered in [PR #13](https://git.sendico.io/tech/sxchnge/pulls/13), branch
 `onboarding-12`. The final browser accessibility tree exposes the recipient text,
 demo status, status heading and recovery actions. PR is open for review.
+
+## Browser credential autofill
+
+Task: [#56](https://git.sendico.io/tech/sxchnge/issues/56), branch `auth-56`.
+Delivery: [PR #58](https://git.sendico.io/tech/sxchnge/pulls/58), implementation
+commit `86b6aaf`. Open for review; no merge or deployment is included.
+The consumer auth form groups its mounted inputs in one `AutofillGroup` and
+declares their purpose explicitly:
+
+| Input | Flutter hints | Browser autocomplete |
+| --- | --- | --- |
+| Signup name | `name` with the name keyboard | `name` |
+| Account email | `username`, then `email`, with the email keyboard | `username` |
+| Login password | `password` | `current-password` |
+| Signup password and confirmation | `newPassword` on both | `new-password` |
+
+Flutter uses the first hint on web and Apple platforms. Email is the credential
+username; the email keyboard remains configured separately. Visibility toggles
+keep the password role, so autofill does not depend on detecting masked input.
+The confirmation field participates in the same group as the first password,
+allowing the browser to fill both without copying one controller into the other.
+
+Signup acceptance finalizes autofill before clearing password controllers and
+navigating to email verification. Login finalizes on success; when a second
+factor is required, it waits for verification and login completion. The password
+remains only in the existing form controller during that challenge, then clears
+on completed navigation or cancellation. Invalid input, rejected credentials and
+failed verification do not request saving. Switching auth mode, abandoning the
+form or leaving for unverified-account recovery cancels the autofill context.
+Provider/service/model boundaries and existing request/outcome telemetry are
+unchanged; no field events or credential telemetry are added. Browser popup
+display and pre-submit autofill abandonment remain outside current measurement.
+
+### Verification and release check
+
+Focused widget tests send a platform autofill response with all four signup
+values and check EN/RU controller updates, grouped credential metadata, visibility
+changes, mode switching and abandonment. Auth tests cover validation failures,
+service rejection/retry, stale responses, signup/login acceptance, unverified
+recovery, invalid second-factor codes and cancellation without premature saving.
+Existing narrow/desktop layouts and enlarged-text tests cover the unchanged UI.
+
+Native Safari verification remains a release check: computer-control permission
+was unavailable in this session. On the deployed HTTPS origin with Safari
+AutoFill enabled, focus the signup email and password fields, choose a suggested
+strong password, verify that both password fields populate, then confirm that
+login offers the saved credential. Repeat after showing/hiding passwords and
+switching modes. Browser settings, stored credentials and browser heuristics
+determine whether suggestions appear; automated Flutter tests cannot establish
+that the system popup was displayed or that credentials were saved.
+
+References: [Apple Password AutoFill](https://developer.apple.com/documentation/security/enabling-password-autofill-on-an-html-input-element),
+[Flutter autofill hints](https://api.flutter.dev/flutter/material/TextField/autofillHints.html),
+and [AutofillGroup](https://api.flutter.dev/flutter/widgets/AutofillGroup-class.html).
+
+Recorded validation: `dart format --output=none --set-exit-if-changed` passes for
+all five changed Dart files; `flutter analyze` passes in `frontend/app`;
+`make test-frontend` passes all 212 tests across the app and shared packages.
+`flutter build web` passes. The built page's default rendering path was inspected
+in the in-app browser: login exposes `username`/`current-password` in one HTML
+form; signup exposes `username`, `name` and two `new-password` inputs in one form.
+This verifies the browser metadata, not Safari's credential popup. With Flutter
+web accessibility semantics enabled, unfocused semantic inputs initially use
+framework-default autocomplete values until focused; password-manager behavior
+with assistive technology still requires a native browser audit.
+
+## Verification links and login handoff
+
+Task: [#60](https://git.sendico.io/tech/sxchnge/issues/60), branch
+`email-verification-60`. Email links use `/verify-email?token=…`; the web entry
+point installs Flutter's path URL strategy before initializing the application.
+This matches Caddy's existing SPA fallback and preserves the path and query on a
+fresh page load. Previously the default hash strategy could start at login and
+never submit the activation token. Unknown routes retain the canonical login
+fallback; invalid, expired and failed confirmation attempts remain on the
+verification page with the existing recovery actions.
+
+Activation consumes the token, checks the pending account and accepted signup
+facts, and activates the account in the existing database transaction. Only
+after a successful commit does the API return `{verified: true, email: ...}`.
+Failure responses do not disclose the account email. Responses retain the
+shared no-store policy. The frontend backend DTO and mapper produce a
+`VerificationResult`; the verification provider exposes that result only in the
+verified state and clears it on reset, loading and failure. A verified response
+from an older backend without the optional email can still show success.
+
+Success stays visible until the user chooses **Continue to login**. This replaces
+the misleading workspace action that could redirect an unauthenticated visitor
+back to login. The verified email travels through transient router extras into
+the editable login controller; the password starts empty and receives focus.
+Normal password and second-factor checks remain required. The email is not
+added to URLs, serialized history, persistent storage or analytics. A link opened
+in another tab or device can receive the verified address from the API without
+depending on the originating signup form's memory.
+
+Existing requested/succeeded/failed email-confirmation journey signals remain
+the measurement source. Success continues to mean that the confirmation service
+returned a verified result, with simulated outcomes kept separate. No field or
+prefill event is needed. Existing limits around pre-submit abandonment,
+cross-device journey correlation and the in-memory analytics sink still apply.
+
+Regression coverage includes transactional activation and rollback, returned
+email and failure privacy, used-token rejection, backend response mapping,
+provider identity clearing, EN/RU success-to-login navigation, editable prefill,
+empty focused password, and exclusion of email from serialized navigation state.
+The supplied private diagnostic token is not a test fixture or documentation
+input; it is kept out of repository sources and tracker records.
+
+### Validation and local release (#60)
+
+Delivery: [PR #61](https://git.sendico.io/tech/sxchnge/pulls/61), implementation
+commit `5f3b443`. Reviewed the complete backend and frontend contribution against
+their module guidelines and the UX/observability checklists. No task-caused
+review findings remain. Existing recovery, loading and accessible status states
+are retained; EN/RU widget tests and existing small-screen/text-scale coverage
+pass. Browser startup was checked against a separately built demo with synthetic
+tokens: direct success remains visible, Continue to login shows the verified
+email with an empty focused password, and an expired link offers resend/back.
+Native Safari was unavailable to automation, so browser-specific helper behavior
+is not claimed as verified by this check.
+
+On 2026-10-19, changed-file Dart formatting, `flutter analyze` in both affected
+packages (`frontend/app`, `frontend/packages/sxchnge_auth`), `make test-frontend`
+(217 tests), `GOFLAGS=-p=1 make test`, and `make lint-backend` passed. The focused
+transactional activation integration test also passed independently. Initial
+test-container startup and image-resolution attempts failed while Docker was
+stalled. After the user-authorized Docker Desktop restart, the unchanged checks
+passed; no assertions, timeouts or gates were weakened. No security scan was
+requested or run.
+
+The task branch was integrated locally into the existing `identity-facts-57`
+stand checkout, preserving its unrelated configuration. Fresh stable image
+versions/digests were resolved successfully with `sh infra/local/tools.sh images`.
+Compose rebuilt BFF and frontend with `build --pull bff frontend`, then recreated
+them and the Sendico session sidecar (which shares BFF's network namespace).
+Docker restart recovery also unsealed Sendico's existing Vault with its saved
+local key and restarted affected existing services in dependency order.
+
+The updated BFF, frontend and Sendico sidecar are healthy. The authenticated
+Sendico currency/ledger check passes. HTTPS serves the direct verification path;
+the served JavaScript matches the new frontend image with SHA-256
+`b194c0cf5dcc62634c13c7fd3d2f7e482272cb7abc1e470c62629400bf2d5d21`.
+A live synthetic invalid token returns HTTP 400 without an email. The supplied
+real token was checked read-only and remains unused and unexpired, with its
+account pending verification, ready for the user to reopen the link. PR #61 has
+not been merged into remote main; this local deployment does not imply a main
+branch merge.
+
+### Accepted signup delivery (#62)
+
+Task [#62](https://git.sendico.io/tech/sxchnge/issues/62), branch
+`email-verification-62`, delivered in
+[PR #63](https://git.sendico.io/tech/sxchnge/pulls/63). On October 23, signup
+returned HTTP 202 and the local
+SMTP provider accepted its message with status 250, while the user reported an
+internal-error screen immediately after Create account. No subsequent
+verification request from that attempt reached the BFF. The precise original
+client exception was not captured; an ordinary isolated release reproduction
+succeeded. The regression below deliberately injects an unavailable follow-up
+send service to cover the post-acceptance failure path without claiming that
+injected exception was the original cause.
+
+Backend and preview signup mappers now return a `VerificationDelivery` domain
+receipt with the recipient and simulation status. It means that signup accepted
+the email-queue operation, not inbox delivery, account activation or a session.
+The signup provider exposes it through its operation result. The form captures
+the receipt before clearing password controllers, whose change listeners reset
+auth state, and passes it as transient router extra. The verification provider
+initializes directly in the sent state; mounting the page performs no send.
+This replaces the backend adapter's hidden one-use signup cache. Every explicit
+resend now invokes its service, including the first one after signup.
+
+Routes without a receipt retain their existing behavior: unverified login may
+request an email, a fresh verification page asks for an address, and emailed
+links run confirmation. Recipient changes invalidate the displayed claim until
+another send succeeds. New receipts replace stale recipients. The route codec
+discards the receipt when serializing history, so reloads do not invent a queued
+result or retain the address. No token or password is included in the receipt.
+
+The existing email-delivery requested/succeeded signals now follow the accepted
+signup receipt inside the instrumented service instead of a synthetic send on
+page mount. They stay in the signup journey, occur once for the accepted
+operation, and remain intermediate queue-acceptance signals. Resends retain
+separate attempts and failures; confirmation remains the terminal outcome.
+Simulation and privacy rules are unchanged, including the in-memory analytics
+and cross-device correlation limitations above.
+
+Frontend review covered the complete app/auth contribution and preserved the
+DTO, mapper, service, domain model, provider and UI boundaries. Regressions cover
+accepted signup followed by unavailable resend, explicit retry, normalized
+receipt mapping, provider initialization/reset, recipient replacement, transient
+history, event correlation and exclusion of form values from analytics. EN/RU
+flow tests run at 390px with 1.5x text scaling; existing keyboard, autofill and
+accessibility suites also pass. Changed-file Dart format checks, analysis in
+`frontend/app` and `frontend/packages/sxchnge_auth`, and `make test-frontend`
+(221 tests) pass. The new injected-failure regression failed on the previous
+implementation and passes with the receipt handoff. A release-browser fixture
+with the same backend adapter and a failing resend service shows Check your
+inbox after signup with no send call, then the expected error only after an
+explicit resend. It sends no email. Native Safari was not automated.
+
+The frontend image was rebuilt with freshly resolved stable digest pins and
+recreated without restarting BFF. The served JavaScript matches the new image
+at SHA-256 `0a45ce6f0b4658b1f03d8e39b9e39fd3fbfcf6f1626cb3f17705dce2da130a6c`.
+Normal browser-trust HTTPS serves the frontend and API with HTTP 200.
+`sh infra/local/tools.sh verify` passes all seven services, Vault/database
+checks and authenticated Sendico currency/ledger reads. No new customer email,
+activation or payment was submitted for this change, and no security scan was
+requested or run. The user's pre-existing browser tab must reload to use the
+new bundle; their original Safari exception remains unobserved.

docs/ux/exchange-workspace.md

@@ -302,6 +302,55 @@ that contradicts displayed balances or usage without explaining the fixtures.
 - Keep unrelated accounts/history accessible during a pending operation. Do not
   block the whole product behind an exchange spinner.
 
+## Automatic currency accounts (task #72)
+
+New customers receive RUB, USDT and USDC accounts through backend-owned setup
+during signup. Existing customers receive missing defaults on their next wallet
+load. The UI requires no account-creation form or support contact. During initial
+loading it announces that the accounts are being prepared. Failure shows one
+clear load error and a **Try again** action that reruns the same idempotent setup.
+An unexpected empty snapshot has its own setup-failure fallback, rather than
+being shown simultaneously with an error. A failed refresh retains existing
+cards and the stale-data warning. Account-not-found copy requires loaded data.
+
+The existing DTO → mapper → service → model → provider → UI boundaries remain
+intact. Account creation belongs to the backend/provider, and widgets invoke the
+existing provider refresh action. English and Russian use wrapping text and the
+existing accessible button pattern; status text uses a live region. Dedicated
+widget regressions cover loading, failure, retry and successful default accounts
+on Accounts, Top up, Exchange and Payout at 320px with 1.6× text. Native device and
+screen-reader QA remain a release check; tests do not claim physical-device QA.
+
+Measurement: `sxchnge_currency_accounts_setup_total{outcome="ready|failed"}` and
+`sxchnge_currency_accounts_setup_duration_seconds` cover the server setup attempt.
+`ready` is emitted only after all default bindings are confirmed, including
+idempotent completion of provider wallet/route setup for newly bound ledgers.
+Each signup/resend/wallet load is a separate attempt; a retry is not a new unique
+customer conversion. The failure fraction uses all attempts as its denominator;
+the histogram measures one attempt, not time across multiple browser sessions.
+No customer, ledger, currency, balance, credentials or form input is a metric
+label. These server metrics do not measure client abandonment or prove that a
+balance card was viewed. Existing transaction journey outcomes below are reused;
+no speculative button-click events are added.
+
+Scope and rollout: [task #72](https://git.sendico.io/tech/sxchnge/issues/72), branch
+`wallet-72`, [PR #73](https://git.sendico.io/tech/sxchnge/pulls/73). The provider
+prerequisite and deployment order are documented in [payments](../payments.md).
+Merge and deployment remain separate. Final validation is recorded in the task
+and PR, including any transient failures and environmental blockers.
+
+Final validation (2026-10-23): `flutter gen-l10n`, `flutter analyze` in
+`frontend/app`, the changed-Dart formatting check, `make lint-backend`, and
+`git diff --check` passed. `make test-frontend` passed all 242 tests on the current
+app base, including the eight setup recovery scenarios. The full `make test`
+passed with `TESTCONTAINERS_RYUK_DISABLED=true GOFLAGS='-p=2'`: earlier attempts
+hit dependency DNS and Mongo/cleanup-helper startup timeouts. Disabling only the
+failing helper retained every integration assertion, test timeout and race check;
+each test's existing container cleanup still ran. No security scan was requested.
+The live local provider catalog confirms RUB scale 2 and USDT/USDC scale 6.
+Provider-side concurrency and frozen-binding checks passed against a disposable
+Mongo replica set; see [Sendico PR #2970](https://git.sendico.io/tech/sendico/pulls/2970).
+
 ## Journey measurement plan
 
 Reuse the typed analytics abstraction and maintain a separate journey per active

docs/ux/kyc.md

@@ -167,3 +167,95 @@ This is a display correction within the existing KYC journey, so no additional
 analytics events or financial data collection are introduced. Tests cover mapping
 without inferring remaining, unused/exhausted/over-cap/zero-cap ratios and EN/RU
 usage display at 320px with 1.6 text scaling.
+
+## Residence country selection — task #64
+
+Task [#64](https://git.sendico.io/tech/sxchnge/issues/64), branch `kyc-64`.
+Delivery: [PR #65](https://git.sendico.io/tech/sxchnge/pulls/65).
+The profile now shows a country name and opens a searchable country list instead
+of asking customers to type a two-letter code. Names follow the English/Russian
+app locale. Search accepts localized or English names and two-letter codes,
+ignoring case and surrounding whitespace. Selection updates only
+`IdentityProfile.residenceCountry` with the country code; the existing provider,
+service, mapper and transport contracts remain unchanged.
+
+The `country_picker` dependency supplies bundled country data, code lookup and
+translations through `CountryService` and `CountryLocalizations`. Flutter Material
+controls provide the search interface, explicit no-results recovery, minimum
+touch targets, keyboard selection, a selected-state checkmark, Back and Escape.
+The package's built-in list omits explicit no-results feedback and uses shorter
+row targets, so its data/localizations are reused with standard Material controls.
+There is no remote lookup, copied country table or extra application provider.
+Cancelling preserves the current profile, prefilled codes display names, busy
+state disables opening the selector, and the search controller is disposed with
+its dialog. The list is a data catalogue; backend eligibility remains authoritative.
+
+This change stays within the existing KYC preparation/submission journey and its
+measurement definitions above. No selector events, queries, names or country
+codes are added to telemetry. Existing acceptance/failure/retry/abandonment
+signals and documented server-side review measurement gaps still apply.
+
+Focused widget checks cover name/code search, code-only updates, reselection,
+cancel, no-results recovery, clearing search, saved values, locale changes,
+Russian names, disabled state, keyboard activation/selection/Escape and labeled
+touch targets. A long country name fits at 320px with 1.6 text scale. Existing
+EN/RU verification journeys now select a country and assert the profile code
+before continuing through document submission. Native screen-reader and device
+keyboard testing remain release checks; widget semantics checks do not establish
+those device outcomes.
+
+Validation: five changed Dart files passed the format check; `flutter analyze`
+in `frontend/app` reported no issues; `make test-frontend` passed all 222 tests;
+and `flutter build web` passed, including its Wasm compatibility dry run. Browser
+smoke testing on the local demo opened the selector, searched for Poland and
+confirmed that the profile displays Poland after selection. Focused and full
+journey tests verify the stored `PL` code. Generated localization/build outputs
+remain ignored and uncommitted.
+
+## Birthday entry — task #67
+
+Task [#67](https://git.sendico.io/tech/sxchnge/issues/67), branch `kyc-67`.
+Delivery: [PR #70](https://git.sendico.io/tech/sxchnge/pulls/70).
+This change is stacked on the residence-country selector in PR #65; merge #65
+before the birthday PR.
+
+The profile uses labeled Day, Month and Year controls. Day and year accept numeric
+entry with birthday autofill hints; month selection uses localized month names
+and standard Material keyboard/touch interaction. Customers can enter their birth
+year directly. No calendar paging or transport-format punctuation is required.
+The controls share a row when space allows and stack at narrow widths or enlarged
+text sizes. English and Russian labels, month names and errors follow the app locale.
+
+Valid calendar dates are normalized to the existing `IdentityProfile.dateOfBirth`
+`YYYY-MM-DD` value through `IdentityProvider.updateProfile`. Partial, impossible
+and future dates clear that profile value so Continue cannot retain an earlier
+valid birthday. Local input components remain visible while correcting a date;
+complete invalid dates receive a specific live-region error below the group.
+Leap years, zero day/year and calendar rollover are checked. Today's date follows
+the existing model policy; no minimum age or arbitrary oldest birth year is added.
+Prefilled dates, locale changes and external profile replacement synchronize the
+controls. Back navigation restores the valid saved date. Busy state disables all
+three controls. Controllers are disposed with the widget.
+
+The existing DTO, mapper, service, domain model and provider boundaries are retained.
+No dependency, transport or backend change is needed. This remains part of the KYC
+preparation-to-submission journey defined above: existing acceptance, failure,
+retry and abandonment signals apply, without new field events or date collection.
+The existing server-side review measurement gaps remain unchanged.
+
+UX review and automated checks cover entry/correction, leap dates, invalid and
+future-date recovery, numeric restrictions, prefill/replacement/clearing, locale
+switching, disabled state, Tab/Enter/arrow-key month selection, Escape cancellation,
+and Russian controls/errors at 320px with 1.6 text scale. Labeled and minimum-size
+tap-target guidelines pass. Integration checks verify that invalid dates block
+Continue, Back preserves the birthday, and EN/RU flows still reach submission
+acceptance. Native screen-reader and mobile keyboard/autofill testing remain
+release checks; widget semantics are not a claim of device-level validation.
+
+Validation: all four changed Dart files pass the format check; `flutter analyze`
+in `frontend/app` reports no issues; `make test-frontend` passes all 230 tests,
+including the seven new birthday widget tests and the new navigation/gating test.
+`flutter build web` passes, including its Wasm compatibility dry run. Browser
+smoke testing of the release build entered 23 April 1990, verified the inline
+error for 31 April and restored 23 April without losing month or year.
+Generated localization and build outputs remain ignored and uncommitted.

docs/ux/payout-destinations.md

@@ -0,0 +1,256 @@
+# Saved payout destinations
+
+Task: tech/sxchnge#54. Branch: `payout-destinations-54`.
+
+## Delivery and integration boundary
+
+The Flutter app implements Settings management and payout selection/new/one-time
+flows with the injectable `DestinationService` in `sxchnge_wallet`. The included
+customer-scoped **demo** service is process-local: reload discards its saved
+records, attempts, directory fixtures and audit. No real card data may be entered.
+The existing live wallet remains connected to provisioned Sendico destinations,
+which now require explicit selection. Its existing financial adapter is unchanged.
+
+This is UX and supporting contract implementation, not a production destination
+registry or new payment-provider integration. Live mode never falls back to a
+simulated destination store. It exposes no new destination creation capabilities
+until the BFF implements the contract below. `BackendWalletService` explicitly
+rejects new typed inputs rather than dropping them or using a different destination.
+Actual persistent storage, public Sendico capability/directory adapters, secure
+card collection, binding recovery and atomic financial acceptance are integration
+requirements, not claims established by client tests. The injected service boundary
+lets a production implementation replace the demo without DTO/networking in widgets.
+
+## Screen annotations
+
+The four primary destinations remain Accounts, Activity, Limits and Settings.
+
+```text
+Settings → Payout methods
+  Add payout method                 [primary action]
+  Search saved methods              [nickname and safe display metadata]
+  Crypto addresses                  [type group; recently used first]
+    nickname / asset · network · shortened address
+    availability / required action [text, not color alone]
+  Bank cards
+    nickname / brand · masked suffix
+  Russian bank accounts
+    nickname / bank · masked suffix
+```
+
+```text
+Add payout method
+  Type                              [explicit selection]
+  Type-specific destination fields  [labels and inline validation]
+  Save for future payouts           [payout only; unchecked]
+  Name for this method (optional)   [Settings or saving enabled]
+  Validation / eligibility / saving [separate feedback]
+  Save payout method | Continue     [no ordinary confirmation dialog]
+```
+
+```text
+Pay out
+  Source account / available funds
+  Payout destination                [explicit selection every time]
+    Saved methods | New destination
+  Amount                            [preserved during navigation/recovery]
+  Review
+    full destination, source debit, fee, receiving amount/asset
+    network and memo/tag for crypto; card remains masked
+  Pay out [amount/currency]          [explicit consequential confirmation]
+  Processing → confirmed settlement [existing separate wallet states]
+```
+
+Settings: select type → details → Save. Payout: new destination → details → optional
+saving → Continue. Reuse: select saved method → amount → review → confirm. No
+mandatory nickname, routine ownership warning, automatic selection/substitution,
+or extra verification screen is added. Removal has a consequential confirmation.
+A replacement creates a new record; the original remains until explicitly removed.
+
+Lists group by destination type, sort recent use within groups and search safe
+labels. Empty category, search no-match, unavailable data and no eligible methods
+are distinct. Opening creation/management uses transient Navigator state, preserving
+payout input without destination details in URLs or serialized browser history.
+
+## Domain and service contract
+
+`DestinationInput` is `SavedReference(id, executionRevision)` or
+`OneTimeDestination(details)`. Validation and contextual eligibility apply equally
+to both; quoting/submitting a one-time input must not create a reusable record.
+
+A destination has a customer-owned opaque ID independent of provider bindings.
+Ownership declaration, service verification and payout eligibility are separate.
+Unverified details may be saved when saving policy permits. Ownership status is
+shown only when required/actionable. Format checks never establish ownership or
+receiving capability, and successful persistence never establishes payout eligibility.
+
+`metadataRevision` protects nickname updates; `executionRevision` protects identity,
+lifecycle and binding changes. Rename cannot invalidate a valid execution quote.
+Removal and binding changes require execution revalidation. Immutable identities
+are changed by replacement. Last-use ordering is not an execution change.
+
+Required service operations: capabilities; list/get; typed field validation;
+contextual assessment; create; creation-attempt lookup; duplicate resolution;
+rename with expected metadata revision; replacement; removal with expected
+revisions; bank lookup with cancellation; immutable quote preparation. Remediation
+capabilities must come from the service, never provider-specific widget logic.
+
+Eligibility uses current capabilities, available routes, destination requirements,
+ownership/security policy, bindings and payout context including amount when relevant.
+States are eligible, temporarily unavailable, requires action and unsupported.
+Settings retains active unavailable methods. A contextless Settings assessment is
+informational and never proof of eligibility for a particular payout. Selection,
+quote preparation and acceptance revalidate independently. Losing eligibility or
+removal preserves inputs and requires explicit reselection; never substitute.
+
+On Continue: validate fields; assess contextual eligibility; optionally persist
+under saving policy; proceed only if eligible. Persistence may succeed while the
+payout is ineligible. Definitive optional save failure allows retry or explicit
+one-time continuation. Unknown outcomes offer status lookup; eligible one-time
+continuation does not cancel/repeat a potentially successful save. Confirmation of
+saving, validation, submission and settlement are separate states.
+
+### Canonical identities and duplicate outcomes
+
+- Crypto: service-defined asset ID (including token-contract identity), canonical
+  network ID, network-normalized address and applicable memo/tag. Identical address
+  strings across networks/assets are distinct. Preserve presentation case and
+  meaningful memo contents. Display enough metadata to distinguish same-symbol tokens.
+- Russian bank: service-normalized BIK, account number and holder identity. No
+  frontend fuzzy matching or inference from an account prefix.
+- Card: reliable service/provider fingerprint where available, never brand/last-four,
+  expiry or capture token. Provider-scoped fingerprints are not globally portable.
+  Missing reliable fingerprint permits distinct records; never guess/merge.
+
+Creation keys identify immutable payloads. Replay returns the same **created** or
+**duplicate** result even after the referenced record is renamed/removed. Attempt
+lookup distinguishes these outcomes. Concurrent creation must serialize duplicate
+resolution within the authenticated customer scope. Use existing method revalidates
+that record and never creates another. Existing nicknames remain unchanged.
+
+The demo uses a synchronous customer-scoped mutation boundary; production needs
+persistent unique identity/idempotency constraints with transactions or equivalent.
+No duplicate endpoint may reveal another customer's destination or attempt.
+
+### Bank input adapted from Sendico
+
+Reviewed local Sendico checkout `c5a3440fa`, especially
+`docs/russian-bank-methods.md` and its form, lookup, parsing and validation tests.
+The form has Account holder, Bank details and optional nickname sections. Structured
+first/last names and optional patronymic preserve compound names; arbitrary full
+names are shown unsplit. Business/tax selectors are excluded from personal-account UX.
+Bank search is debounced 350 ms from two characters, with cancellation and stale
+response rejection. Results identify name, BIK and city. Selected bank is compact,
+with Change bank and expandable correspondent details. Account number accepts
+whitespace and preserves leading zeros; 20-digit/control-key checking is not ownership
+verification. Prefix hints remain advisory.
+
+Local paste import recognizes explicit EN/RU labels, previews recognized values,
+flags conflicts, preserves untouched fields and never persists/transmits raw pasted
+text. Directory/name/correspondent mismatches remain visible. Invalid BIK, unknown
+bank, unsupported institution and service failure are distinct. On reuse, cosmetic
+directory labels may refresh; execution-material changes require review/requote.
+Never silently replace BIK, account or holder. Mergers/BIK changes can require a
+replacement; discontinued banks remain saved but ineligible.
+
+### Cards and binding lifecycle
+
+Card saving requires reusable support or a defined restoration mechanism. An existing
+card remains saved after card/binding expiry, revocation or provider outage.
+Requires action means a supported recovery exists; operational outages are temporary;
+without a reusable binding or supported recovery the UI must not promise reuse.
+Bindings may be multiple, provider-scoped and nonportable. Re-tokenization requires
+trusted same-card identification; otherwise create a replacement. Secure capture is
+transient. Saved card details contain local identity/display metadata, and bindings
+contain separate opaque references; PAN/CVV never enter application storage.
+
+## Acceptance, security and retention
+
+The BFF's financial acceptance boundary must atomically validate current quote,
+customer authorization, execution revision, lifecycle, eligibility and requirements,
+then persist the accepted immutable snapshot/intent. A preceding API assessment or
+frontend check cannot guarantee financial correctness. Removal committed first rejects
+acceptance; acceptance committed first survives later removal. Rejection preserves
+drafts and returns reselect/review/refresh/requote actions. Expired or materially changed
+quotes need explicit confirmation of recalculated terms. This is a required backend
+contract; the demo's synchronous acceptance guard only demonstrates its semantics.
+
+Removal from the active list, binding deactivation and data erasure are separate.
+Removed records cannot serve new payouts; accepted payouts retain immutable snapshots.
+Production retention must assign explicit expiry/cleanup policies to abandoned quotes,
+capture references, idempotency records and required financial history. Do not promise
+complete erasure of retained financial records. The demo stores no browser data and
+expires transient quote leases; all remaining simulation data ends on reload.
+
+Authorize every operation server-side and audit actor, timestamp, opaque method/attempt,
+action and outcome, without destination details. Metadata edits use optimistic concurrency.
+Risk-based step-up is service-policy driven; no mandatory MFA is introduced. No raw
+destination, pasted text, nickname, amount or account data enters logs, analytics or replay.
+
+## Localization, accessibility and measurement
+
+EN/RU copy is maintained in the app ARB sources. Specific states cover saving,
+uncertainty, duplicate reuse, changed/removed methods, directory failures, binding
+authorization and quote recovery. Ordinary success says only "Payout method saved."
+Forms use associated labels, field errors, a focusable live feedback area, text status
+and keyboard controls. Names stack below 480 px in a 720 px maximum form. Review
+320 px layouts at 1.6× text scale, long labels, full-address wrapping and 48 px targets.
+
+`JourneyKind.destination` / `destinationSave` measures service-confirmed saving/resolution
+separately from the existing payout quote/submission/settlement signals. Retries share
+recorder correlation; confirmed save closes its journey. Idle/discard attempts use the
+shared 30-minute inactivity/disposal rule. Simulation events are explicitly marked.
+No production persistence, cross-session funnel or financial outcome is inferred from
+the demo recorder. Actual outcome events and backend audit are integration requirements.
+
+## Validation scenarios and recorded review
+
+Tests exercise one-time nonpersistence, idempotent/repeated/concurrent creation, stable
+duplicate replay after rename/removal, lost-response reconciliation, customer isolation,
+metadata concurrency, execution invalidation at acceptance, asset/network/token identity,
+case/memo handling, fingerprint fallback, card binding recovery states, bank control keys,
+directory changes, paste conflicts and DTO mappings. Widget tests exercise Settings
+save/rename/remove, explicit selection, one-time payout, optional-save failure recovery,
+removal during review, privacy-safe outcomes and EN/RU narrow layouts. Existing auth,
+factor, wallet and workspace regressions are included in the required frontend suite.
+
+Research: [Wise recipient management](https://wise.com/help/articles/2491526/how-do-i-add-or-delete-recipients),
+[Coinbase address books](https://help.coinbase.com/en/exchange/managing-my-account/how-does-the-address-book-work),
+[Coinbase memo/tag requirements](https://help.coinbase.com/en/coinbase/trading-and-funding/sending-or-receiving-cryptocurrency/destination-tag-memo-faq),
+[Stripe tokenization](https://docs.stripe.com/api/tokens),
+[W3C form validation](https://www.w3.org/WAI/tutorials/forms/validation/).
+
+Final validation commands and PR links are recorded below at delivery.
+
+### Completion review — 2026-10-16
+
+- Applied `review-frontend-change`, UX Design and UX Observability reviews across
+  app, wallet and analytics. Extracted form/search/selection/management providers;
+  widgets consume typed models and provider actions. Fixed narrow bank-header
+  overflow and bottom feedback overlapping management controls.
+- Added structured immutable destination review, explicit simulated receiving
+  asset/amount/timing terms, independent card-binding restoration and a typed
+  created/duplicate analytics outcome. Nickname edits do not change execution
+  revisions. New typed inputs are explicitly rejected by the legacy live adapter.
+- `dart format --output=none --set-exit-if-changed` over 44 changed Dart files:
+  passed, no changes. `git diff --check`: passed.
+- `flutter analyze` in `frontend/app`, `frontend/packages/sxchnge_wallet` and
+  `frontend/packages/sxchnge_analytics`: passed, no issues.
+- `make test-frontend`: passed all seven package/application suites, including
+  89 application tests and the destination domain/recovery/concurrency scenarios.
+- `flutter build web` in `frontend/app`: passed, including the Wasm dry run.
+- Browser smoke check on a temporary local web preview: method selection and bank
+  form rendered; accessibility labels exposed; Tab moved from type to First name.
+  Automated EN/RU forms at 320 px and 1.6× scale passed. A full assistive-technology
+  audit and production/provider validation were not performed.
+- An exploratory repository-root `flutter analyze` also inspected the unrelated
+  standalone `website/flutter/brand_palette.dart`, which lacks Flutter package
+  context and reported `dart:ui` errors. The required affected-package analyses
+  above passed; no unrelated website code or analyzer settings were changed.
+- No backend code or infrastructure changes, live payments, deployment, merge or
+  security scanner runs were performed. Live persistence/atomic acceptance remain
+  the explicitly documented integration boundary.
+
+Delivery: [task #54](https://git.sendico.io/tech/sxchnge/issues/54),
+[PR #55](https://git.sendico.io/tech/sxchnge/pulls/55), implementation commit
+`24af794`. PR base is `local-stand-52`; merge after #47 → #49 → #51 → #53.

docs/ux/photo-preview.md

@@ -0,0 +1,98 @@
+# Identity photo preview correction
+
+Task [#69](https://git.sendico.io/tech/sxchnge/issues/69), branch `kyc-69`.
+Delivery: [PR #71](https://git.sendico.io/tech/sxchnge/pulls/71).
+This frontend change builds on the [identity verification journey](kyc.md)
+and is independent of the birthday controls in task #67.
+
+## Cause and correction
+
+A synthetic valid PNG reproduced this Flutter 3.47.7 browser error:
+
+```text
+TypeError: Instance of '_UnmodifiableUint8ListView': type
+'_UnmodifiableUint8ListView' is not a subtype of type 'NativeUint8List'
+```
+
+The stack reached `Uint8ListToJSUint8Array.toJS` from CanvasKit's browser
+image decoder through `MemoryImage` and `ResizeImage`. File selection had
+successfully decoded the original typed bytes. The `Photo` constructor then
+copied them into an unmodifiable view, which was passed directly into the
+preview's web decoder. Native decoding accepted that view, hiding the bug in
+native-only tests. The generic image error builder presented the failure as a
+damaged document even though the selected bytes were valid.
+
+`PhotoPreview` now creates a native `Uint8List` copy for `MemoryImage` once per
+selected photo. The shared domain model stays immutable, and validation,
+providers, services and transport contracts remain unchanged. The preview still
+requests a decode width of at most 1000 pixels and evicts its decoded cache entry
+on replacement or disposal. The extra encoded-byte copy belongs to the preview
+and is released with its provider/cache references; no secure-erasure guarantee
+is made.
+
+An actual preview failure now says that the preview could not be displayed and
+suggests selecting the photo again. The English/Russian fallback keeps at least
+the preview's usual height, can grow for long text, and has a separate live-region
+semantic node. Existing replacement/removal controls stay available and selected
+input is retained. This is distinct from validation's corrupt-file message.
+
+## UX and measurement review
+
+The outcome remains selecting readable ID and selfie photos, checking both on
+review, and submitting for confirmed service acceptance. Existing KYC journey
+attempts, retries, failure, submission and abandonment signals are reused. No
+control-level events, image bytes, filenames, form values or raw exceptions are
+added to telemetry. A selection success measures validation; it does not establish
+that pixels were painted. Preview-only rendering failures are not separately
+counted by existing telemetry. Server review/approval measurement and native
+screen-reader QA retain the limitations documented in the original journey.
+
+Regression tests use synthetic JPEG/PNG content only. They start and await real
+image decoding outside the widget test's fake async zone, inspect the actual
+rendered images, and surface stream errors so an error fallback cannot conceal a
+failure. Checks cover portrait/landscape decoding, model immutability, bounded
+decode width, stable provider reuse, replacement/removal cache eviction, both
+review slots, returning to review, localized fallback/replacement, a 320px view
+at 1.6 text scale, and error announcements isolated from surrounding instructions.
+The `image` package is already a KYC runtime dependency; its direct app test
+dependency is used only to create synthetic fixtures in memory.
+
+## Validation and delivery
+
+The original browser regression failed before the fix while its native equivalent
+passed. The complete task diff was reviewed against frontend architecture, UX,
+measurement, lifecycle and privacy requirements. Final validation passed:
+
+- In `frontend/app`, `dart format --output=none --set-exit-if-changed
+  lib/kyc/preview.dart test/preview_test.dart`: two files, no changes.
+- In `frontend/app`, `flutter analyze --no-pub`: no issues.
+- In `frontend/app`, `flutter test --platform chrome test/preview_test.dart
+  --reporter expanded --no-pub --verbose`: all six regression tests passed.
+- At the repository root, `make test-frontend`: all 228 tests passed across
+  the shared packages, theme example and app, including the six native preview
+  regressions and existing KYC journey/analytics tests.
+- In `frontend/app`, `flutter build web --no-pub`: release build and Wasm
+  compatibility dry run succeeded.
+
+Browser regression coverage uses Chrome; Safari and native assistive-technology
+testing remain release checks. Generated localization and build code stays
+ignored; the tracked app lockfile changes only `image` from transitive to direct
+test dependency. The separate birthday worktree was preserved.
+
+## Follow-up contribution review
+
+The complete seven-file contribution was reviewed again before the authorized
+merge and frontend rollout. No additional defects were found in the byte-copy
+boundary, provider reuse, cache disposal, error semantics/localization, privacy,
+architecture or regression coverage. No source changes were needed.
+
+Current `main` (`ec4115d`, including the birthday, signup-delivery and account
+setup changes) was merged into `kyc-69` before final verification. The two-file
+format check and app analyzer passed; all six Chrome preview regressions and
+all 240 tests in `make test-frontend` passed on the combined code. The original
+228-test result above describes the earlier isolated branch.
+
+The authorized rollout rebuilds only `frontend` from clean, pulled `main`, using
+the repository's fresh stable-release resolver and digest-pinned local inputs.
+Runtime image, HTTPS and served-bundle verification are recorded in task #69
+after the rollout; generated local pins remain ignored.

frontend/app/lib/auth/form.dart

@@ -1,4 +1,5 @@
 import 'package:flutter/material.dart';
+import 'package:flutter/services.dart';
 
 import 'package:go_router/go_router.dart';
 
@@ -18,7 +19,8 @@ import 'validation.dart';
 import '../generated/i18n/app_localizations.dart';
 
 class AuthForm extends StatefulWidget {
-  const AuthForm({super.key});
+  const AuthForm({super.key, this.email});
+  final String? email;
 
   @override
   State<AuthForm> createState() => _AuthFormState();
@@ -32,7 +34,7 @@ class _AuthFormState extends State<AuthForm> {
   bool _showPassword = false;
   bool _showConfirmation = false;
   bool _submitted = false;
-  final _email = TextEditingController();
+  late final _email = TextEditingController(text: widget.email);
   final _name = TextEditingController();
 
   AuthProvider get _provider =>
@@ -63,6 +65,8 @@ class _AuthFormState extends State<AuthForm> {
 
   void _switch(bool signUp) {
     if (signUp == _signUp) return;
+    FocusScope.of(context).unfocus();
+    TextInput.finishAutofillContext(shouldSave: false);
     context.read<JourneyRecorder>().abandon(JourneyExit.modeChange);
     context.read<LoginProvider>().reset();
     context.read<SignupProvider>().reset();
@@ -95,9 +99,11 @@ class _AuthFormState extends State<AuthForm> {
         return;
       }
       final email = _email.text.trim();
+      final delivery = signup.state.result!.delivery;
+      TextInput.finishAutofillContext();
       _password.clear();
       _confirmation.clear();
-      context.goNamed(AppRoutes.verificationSent, extra: email);
+      context.goNamed(AppRoutes.verificationSent, extra: delivery ?? email);
     } else {
       final login = context.read<LoginProvider>();
       await login.login(
@@ -107,13 +113,13 @@ class _AuthFormState extends State<AuthForm> {
       );
       if (!mounted || _signUp) return;
       if (login.state.error == AuthError.accountNotVerified) {
+        TextInput.finishAutofillContext(shouldSave: false);
         _password.clear();
         context.goNamed(AppRoutes.verificationSent, extra: _email.text.trim());
         return;
       }
       final challenge = login.state.result?.challenge;
       if (challenge != null) {
-        _password.clear();
         final grant = await verifyFactor(
           context,
           challenge: challenge,
@@ -123,6 +129,8 @@ class _AuthFormState extends State<AuthForm> {
         );
         if (!mounted || _signUp) return;
         if (grant == null) {
+          TextInput.finishAutofillContext(shouldSave: false);
+          _password.clear();
           login.reset();
           context.read<JourneyRecorder>().abandon(JourneyExit.navigation);
           return;
@@ -137,9 +145,13 @@ class _AuthFormState extends State<AuthForm> {
               !_signUp &&
               identical(login.state.result, accepted) &&
               login.state.status == AuthStatus.success) {
+            TextInput.finishAutofillContext();
+            _password.clear();
             context.go(offer ? '/identity?onboarding=1' : '/accounts');
           }
         }
+      } else if (login.state.status == AuthStatus.success) {
+        TextInput.finishAutofillContext();
       }
     }
   }
@@ -195,7 +207,10 @@ class _AuthFormState extends State<AuthForm> {
           expandedInsets: EdgeInsets.zero,
         ),
         const SizedBox(height: 32),
-        Form(
+        AutofillGroup(
+          // Leaving an unfinished form must not offer to save its credentials.
+          onDisposeAction: AutofillContextAction.cancel,
+          child: Form(
             key: _form,
             autovalidateMode: _submitted
                 ? AutovalidateMode.onUserInteraction
@@ -220,6 +235,8 @@ class _AuthFormState extends State<AuthForm> {
                       errorMaxLines: 3,
                     ),
                     textInputAction: TextInputAction.next,
+                    keyboardType: TextInputType.name,
+                    autofillHints: const [AutofillHints.name],
                     textCapitalization: TextCapitalization.words,
                     validator: (value) => AuthValidation.name(value, l),
                   ),
@@ -236,6 +253,10 @@ class _AuthFormState extends State<AuthForm> {
                     errorMaxLines: 3,
                   ),
                   keyboardType: TextInputType.emailAddress,
+                  autofillHints: const [
+                    AutofillHints.username,
+                    AutofillHints.email,
+                  ],
                   textInputAction: TextInputAction.next,
                   autocorrect: false,
                   validator: (value) => AuthValidation.email(value, l),
@@ -245,7 +266,13 @@ class _AuthFormState extends State<AuthForm> {
                   key: const ValueKey('password'),
                   enabled: !state.isLoading,
                   controller: _password,
+                  autofocus: widget.email?.isNotEmpty ?? false,
                   obscureText: !_showPassword,
+                  autofillHints: [
+                    _signUp
+                        ? AutofillHints.newPassword
+                        : AutofillHints.password,
+                  ],
                   autocorrect: false,
                   enableSuggestions: false,
                   textInputAction: _signUp
@@ -281,6 +308,7 @@ class _AuthFormState extends State<AuthForm> {
                     enabled: !state.isLoading,
                     controller: _confirmation,
                     obscureText: !_showConfirmation,
+                    autofillHints: const [AutofillHints.newPassword],
                     autocorrect: false,
                     enableSuggestions: false,
                     textInputAction: TextInputAction.done,
@@ -310,7 +338,8 @@ class _AuthFormState extends State<AuthForm> {
                 const SizedBox(height: 28),
                 FilledButton(
                   key: const ValueKey('submit'),
-                onPressed: state.isLoading || state.status == AuthStatus.success
+                  onPressed:
+                      state.isLoading || state.status == AuthStatus.success
                       ? null
                       : _submit,
                   child: Padding(
@@ -331,7 +360,9 @@ class _AuthFormState extends State<AuthForm> {
                             ? const SizedBox(
                                 width: 20,
                                 height: 20,
-                              child: CircularProgressIndicator(strokeWidth: 2),
+                                child: CircularProgressIndicator(
+                                  strokeWidth: 2,
+                                ),
                               )
                             : const Icon(Icons.arrow_forward, size: 20),
                       ],
@@ -341,6 +372,7 @@ class _AuthFormState extends State<AuthForm> {
               ],
             ),
           ),
+        ),
         if (state.status == AuthStatus.success ||
             state.status == AuthStatus.error) ...[
           const SizedBox(height: 20),

frontend/app/lib/auth/page.dart

@@ -10,7 +10,8 @@ import 'form.dart';
 import '../generated/i18n/app_localizations.dart';
 
 class AuthPage extends StatefulWidget {
-  const AuthPage({super.key});
+  const AuthPage({super.key, this.email});
+  final String? email;
 
   @override
   State<AuthPage> createState() => _AuthPageState();
@@ -56,7 +57,7 @@ class _AuthPageState extends State<AuthPage> {
                       Center(
                         child: ConstrainedBox(
                           constraints: const BoxConstraints(maxWidth: 440),
-                          child: AuthForm(key: _formKey),
+                          child: AuthForm(key: _formKey, email: widget.email),
                         ),
                       ),
                     ],

frontend/app/lib/destinations/bank.dart

@@ -0,0 +1,225 @@
+import 'package:flutter/material.dart';
+
+import 'package:provider/provider.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import 'paste.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class BankFields extends StatefulWidget {
+  const BankFields({
+    super.key,
+    required this.onChanged,
+    this.initial,
+    this.errorField,
+  });
+  final ValueChanged<DestinationDetails?> onChanged;
+  final RussianBankDestination? initial;
+  final String? errorField;
+  @override
+  State<BankFields> createState() => _BankFieldsState();
+}
+
+class _BankFieldsState extends State<BankFields> {
+  late final first = TextEditingController(text: widget.initial?.firstName);
+  late final last = TextEditingController(text: widget.initial?.lastName);
+  late final patronymic = TextEditingController(
+    text: widget.initial?.patronymic,
+  );
+  late final account = TextEditingController(text: widget.initial?.account);
+  final query = TextEditingController();
+  late final search = BankSearchProvider(
+    context.read<DestinationsProvider>().service,
+  );
+  late Bank? bank = widget.initial?.bank;
+  String? pastedHolder;
+  bool conflict = false;
+  Map<String, String> pasted = {};
+  bool get mismatch =>
+      bank != null &&
+      ((pasted['bank'] != null && pasted['bank'] != bank!.name) ||
+          (pasted['correspondent'] != null &&
+              pasted['correspondent'] != bank!.correspondent));
+  void changed() => widget.onChanged(
+    bank == null
+        ? null
+        : RussianBankDestination(
+            firstName: first.text,
+            lastName: last.text,
+            patronymic: patronymic.text,
+            bank: bank!,
+            account: account.text,
+          ),
+  );
+  Future<void> paste() async {
+    final parsed = await showDialog<BankPaste>(
+      context: context,
+      builder: (_) => const BankPasteDialog(),
+    );
+    if (!mounted || parsed == null) return;
+    for (final entry in {
+      'firstName': first,
+      'lastName': last,
+      'patronymic': patronymic,
+      'account': account,
+    }.entries) {
+      if (parsed.conflicts.contains(entry.key)) {
+        entry.value.clear();
+      } else if (parsed.values[entry.key] case final String value) {
+        entry.value.text = value;
+      }
+    }
+    setState(() {
+      pasted = parsed.values;
+      conflict = parsed.conflicts.isNotEmpty;
+      pastedHolder = parsed.values['holder'];
+    });
+    if (parsed.conflicts.contains('bik')) {
+      setState(() => bank = null);
+    }
+    if (parsed.values['bik'] case final String bik) {
+      query.text = bik;
+      search.search(bik);
+      setState(() => bank = null);
+    }
+    changed();
+  }
+
+  @override
+  void dispose() {
+    for (final c in [first, last, patronymic, account, query]) {
+      c.dispose();
+    }
+    search.dispose();
+    super.dispose();
+  }
+
+  Widget field(
+    String label,
+    TextEditingController c, {
+    String? id,
+    bool numeric = false,
+    String? error,
+  }) => Padding(
+    padding: const EdgeInsets.only(bottom: 16),
+    child: TextField(
+      key: id == null ? null : ValueKey(id),
+      controller: c,
+      keyboardType: numeric ? TextInputType.number : TextInputType.name,
+      decoration: InputDecoration(labelText: label, errorText: error),
+      onChanged: (_) => changed(),
+    ),
+  );
+  @override
+  Widget build(BuildContext context) {
+    final l = AppLocalizations.of(context)!;
+    return Column(
+      crossAxisAlignment: CrossAxisAlignment.stretch,
+      children: [
+        Text(l.dHolder, style: Theme.of(context).textTheme.titleMedium),
+        const SizedBox(height: 16),
+        LayoutBuilder(
+          builder: (context, b) {
+            final a = field(
+              l.dFirst,
+              first,
+              id: 'destination-first',
+              error: widget.errorField == 'holder' ? l.dInvalid : null,
+            );
+            final z = field(l.dLast, last, id: 'destination-last');
+            return b.maxWidth >= 480
+                ? Row(
+                    crossAxisAlignment: CrossAxisAlignment.start,
+                    children: [
+                      Expanded(child: a),
+                      const SizedBox(width: 12),
+                      Expanded(child: z),
+                    ],
+                  )
+                : Column(children: [a, z]);
+          },
+        ),
+        field(l.dPatronymic, patronymic),
+        if (pastedHolder != null) SelectableText(pastedHolder!),
+        if (conflict) Text(l.dPasteConflict),
+        Text(l.dBankDetails, style: Theme.of(context).textTheme.titleMedium),
+        Align(
+          alignment: Alignment.centerLeft,
+          child: TextButton.icon(
+            onPressed: paste,
+            icon: const Icon(Icons.content_paste),
+            label: Text(l.dPaste),
+          ),
+        ),
+        ListenableBuilder(
+          listenable: search,
+          builder: (context, _) => Column(
+            crossAxisAlignment: CrossAxisAlignment.stretch,
+            children: [
+              if (bank == null) ...[
+                TextField(
+                  controller: query,
+                  decoration: InputDecoration(labelText: l.dBankSearch),
+                  onChanged: search.search,
+                ),
+                if (search.loading) const LinearProgressIndicator(),
+                for (final b in search.results)
+                  ListTile(
+                    title: Text(b.name),
+                    subtitle: Text('${b.bik} · ${b.city}'),
+                    onTap: () {
+                      setState(() => bank = b);
+                      changed();
+                    },
+                  ),
+                if (search.error != null)
+                  Text(
+                    search.error == DestinationIssue.unavailable
+                        ? l.dBankFailure
+                        : l.dBankUnknown,
+                  ),
+                if (search.error == DestinationIssue.unavailable)
+                  TextButton(
+                    onPressed: () => search.search(query.text),
+                    child: Text(l.wRefresh),
+                  ),
+              ] else ...[
+                ListTile(
+                  contentPadding: EdgeInsets.zero,
+                  title: Text(bank!.name),
+                  subtitle: Text('${l.dBik} ${bank!.bik}'),
+                  trailing: TextButton(
+                    onPressed: () {
+                      setState(() => bank = null);
+                      changed();
+                    },
+                    child: Text(l.dChangeBank),
+                  ),
+                ),
+                ExpansionTile(
+                  title: Text(l.dBankDetails),
+                  children: [
+                    SelectableText(
+                      '${l.dCorrespondent}: ${bank!.correspondent}',
+                    ),
+                  ],
+                ),
+                if (!bank!.supported) Text(l.dUnsupported),
+              ],
+            ],
+          ),
+        ),
+        const SizedBox(height: 16),
+        field(
+          l.dAccount,
+          account,
+          id: 'destination-account',
+          numeric: true,
+          error: widget.errorField == 'account' ? l.dInvalid : null,
+        ),
+      ],
+    );
+  }
+}

frontend/app/lib/destinations/copy.dart

@@ -0,0 +1,33 @@
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+String destinationType(AppLocalizations l, DestinationType type) =>
+    switch (type) {
+      DestinationType.crypto => l.dCrypto,
+      DestinationType.card => l.dCard,
+      DestinationType.russianBank => l.dBank,
+    };
+String destinationIssue(AppLocalizations l, DestinationIssue issue) =>
+    switch (issue) {
+      DestinationIssue.invalid => l.dInvalid,
+      DestinationIssue.unavailable => l.dTemporary,
+      DestinationIssue.uncertain => l.dUncertain,
+      DestinationIssue.conflict => l.dConflict,
+      DestinationIssue.removed => l.dRemoved,
+      DestinationIssue.expired => l.dCardExpired,
+      DestinationIssue.bankChanged => l.dBankChanged,
+      DestinationIssue.authorization => l.dAuthorization,
+      DestinationIssue.unsupported => l.dUnsupported,
+      DestinationIssue.duplicate => l.dDuplicate,
+      DestinationIssue.replacementRequired => l.dReplacementRequired,
+    };
+String eligibilityText(AppLocalizations l, PayoutEligibility e) =>
+    e.reason != null
+    ? destinationIssue(l, e.reason!)
+    : switch (e.state) {
+        EligibilityState.eligible => l.dEligible,
+        EligibilityState.temporarilyUnavailable => l.dTemporary,
+        EligibilityState.requiresAction => l.dAction,
+        EligibilityState.unsupported => l.dUnsupported,
+      };

frontend/app/lib/destinations/crypto.dart

@@ -0,0 +1,128 @@
+import 'package:flutter/material.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class CryptoFields extends StatefulWidget {
+  const CryptoFields({
+    super.key,
+    required this.capabilities,
+    required this.onChanged,
+    this.initial,
+    this.errorField,
+  });
+  final DestinationCapabilities capabilities;
+  final ValueChanged<DestinationDetails?> onChanged;
+  final CryptoDestination? initial;
+  final String? errorField;
+  @override
+  State<CryptoFields> createState() => _CryptoFieldsState();
+}
+
+class _CryptoFieldsState extends State<CryptoFields> {
+  late final address = TextEditingController(text: widget.initial?.address);
+  late final memo = TextEditingController(text: widget.initial?.memo);
+  late String? assetId = widget.initial?.assetId;
+  late String? networkId = widget.initial?.networkId;
+  void changed() {
+    final a = widget.capabilities.assets
+        .where((a) => a.id == assetId && a.networkId == networkId)
+        .firstOrNull;
+    widget.onChanged(
+      a == null
+          ? null
+          : CryptoDestination(
+              assetId: a.id,
+              networkId: a.networkId,
+              address: address.text,
+              memo: memo.text,
+              assetLabel: a.label,
+              networkLabel: a.networkLabel,
+            ),
+    );
+  }
+
+  @override
+  void dispose() {
+    address.dispose();
+    memo.dispose();
+    super.dispose();
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    final l = AppLocalizations.of(context)!;
+    final assets = widget.capabilities.assets;
+    final selected = assets
+        .where((a) => a.id == assetId && a.networkId == networkId)
+        .firstOrNull;
+    return Column(
+      crossAxisAlignment: CrossAxisAlignment.stretch,
+      children: [
+        DropdownButtonFormField<String>(
+          key: ValueKey('asset-$assetId'),
+          initialValue: assets.any((a) => a.id == assetId) ? assetId : null,
+          isExpanded: true,
+          decoration: InputDecoration(labelText: l.dAsset),
+          items: [
+            for (final a in assets)
+              DropdownMenuItem(value: a.id, child: Text(a.label)),
+          ],
+          onChanged: (v) {
+            setState(() {
+              assetId = v;
+              networkId = null;
+              memo.clear();
+            });
+            changed();
+          },
+        ),
+        const SizedBox(height: 16),
+        DropdownButtonFormField<String>(
+          key: ValueKey('network-$assetId-$networkId'),
+          initialValue:
+              assets.any((a) => a.id == assetId && a.networkId == networkId)
+              ? networkId
+              : null,
+          isExpanded: true,
+          decoration: InputDecoration(labelText: l.dNetwork),
+          items: [
+            for (final a in assets.where((a) => a.id == assetId))
+              DropdownMenuItem(value: a.networkId, child: Text(a.networkLabel)),
+          ],
+          onChanged: (v) {
+            setState(() => networkId = v);
+            changed();
+          },
+        ),
+        const SizedBox(height: 16),
+        TextField(
+          key: const ValueKey('destination-address'),
+          controller: address,
+          autocorrect: false,
+          enableSuggestions: false,
+          decoration: InputDecoration(
+            labelText: l.dAddress,
+            errorText: widget.errorField == 'address' ? l.dInvalid : null,
+          ),
+          onChanged: (_) => changed(),
+        ),
+        if (selected?.memoSupported == true) ...[
+          const SizedBox(height: 16),
+          TextField(
+            key: const ValueKey('destination-memo'),
+            controller: memo,
+            decoration: InputDecoration(
+              labelText: l.dMemo,
+              errorText: widget.errorField == 'memo' ? l.dInvalid : null,
+            ),
+            onChanged: (_) => changed(),
+          ),
+        ],
+        const SizedBox(height: 12),
+        Text(l.dCryptoHelp),
+      ],
+    );
+  }
+}

frontend/app/lib/destinations/detail.dart

@@ -0,0 +1,161 @@
+import 'package:flutter/material.dart';
+
+import 'package:provider/provider.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import 'copy.dart';
+import 'details.dart';
+import 'form.dart';
+import 'nickname.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class DestinationDetailPage extends StatefulWidget {
+  const DestinationDetailPage({super.key, required this.destination});
+  final SavedDestination destination;
+  @override
+  State<DestinationDetailPage> createState() => _DestinationDetailPageState();
+}
+
+class _DestinationDetailPageState extends State<DestinationDetailPage> {
+  late final p = DestinationManagementProvider(
+    context.read<DestinationsProvider>().service,
+    widget.destination,
+  );
+  late final nickname = TextEditingController(
+    text: widget.destination.nickname,
+  );
+  Future<void> remove() async {
+    final l = AppLocalizations.of(context)!;
+    final confirmed = await showDialog<bool>(
+      context: context,
+      builder: (context) => AlertDialog(
+        title: Text(l.dRemoveTitle),
+        content: Text(l.dRemoveHelp),
+        actions: [
+          TextButton(
+            onPressed: () => Navigator.pop(context, false),
+            child: Text(l.wStay),
+          ),
+          FilledButton(
+            onPressed: () => Navigator.pop(context, true),
+            child: Text(l.dRemove),
+          ),
+        ],
+      ),
+    );
+    if (!mounted || confirmed != true) return;
+    await p.remove();
+    if (mounted && p.removed) Navigator.pop(context);
+  }
+
+  @override
+  void dispose() {
+    p.dispose();
+    nickname.dispose();
+    super.dispose();
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    final l = AppLocalizations.of(context)!;
+    return ListenableBuilder(
+      listenable: p,
+      builder: (context, _) => Scaffold(
+        appBar: AppBar(title: Text(l.dDetails)),
+        body: SingleChildScrollView(
+          padding: const EdgeInsets.fromLTRB(24, 24, 24, 120),
+          child: Center(
+            child: ConstrainedBox(
+              constraints: const BoxConstraints(maxWidth: 720),
+              child: Column(
+                crossAxisAlignment: CrossAxisAlignment.stretch,
+                children: [
+                  DestinationDetailsView(details: p.destination.details),
+                  const SizedBox(height: 24),
+                  DestinationNickname(
+                    controller: nickname,
+                    enabled: !p.busy,
+                    onChanged: (_) {},
+                  ),
+                  if (p.busy) const LinearProgressIndicator(),
+                  if (p.error != null) ...[
+                    Semantics(
+                      liveRegion: true,
+                      child: Text(destinationIssue(l, p.error!)),
+                    ),
+                    TextButton(
+                      onPressed: p.busy ? null : p.refresh,
+                      child: Text(l.dReload),
+                    ),
+                  ],
+                  const SizedBox(height: 16),
+                  FilledButton(
+                    onPressed: p.busy
+                        ? null
+                        : () async {
+                            await p.rename(nickname.text);
+                            if (context.mounted && p.error == null) {
+                              ScaffoldMessenger.of(
+                                context,
+                              ).showSnackBar(SnackBar(content: Text(l.dSaved)));
+                            }
+                          },
+                    child: Text(l.dRename),
+                  ),
+                  if (p.destination.details is CardDestination &&
+                      context
+                              .read<DestinationsProvider>()
+                              .capabilities
+                              ?.cardRecovery ==
+                          true)
+                    OutlinedButton(
+                      onPressed: p.busy
+                          ? null
+                          : () async {
+                              final restored =
+                                  await Navigator.push<DestinationInput>(
+                                    context,
+                                    MaterialPageRoute(
+                                      builder: (_) => DestinationFormPage(
+                                        initial: p.destination.details,
+                                        restoring: p.destination.input,
+                                      ),
+                                    ),
+                                  );
+                              if (mounted && restored != null) {
+                                await p.refresh();
+                              }
+                            },
+                      child: Text(l.dUpdateAuthorization),
+                    ),
+                  TextButton(
+                    onPressed: p.busy
+                        ? null
+                        : () async {
+                            await Navigator.push<DestinationInput>(
+                              context,
+                              MaterialPageRoute(
+                                builder: (_) => DestinationFormPage(
+                                  initial: p.destination.details,
+                                  replacing: p.destination.id,
+                                ),
+                              ),
+                            );
+                          },
+                    child: Text(l.dReplace),
+                  ),
+                  TextButton(
+                    onPressed: p.busy ? null : remove,
+                    child: Text(l.dRemove),
+                  ),
+                ],
+              ),
+            ),
+          ),
+        ),
+      ),
+    );
+  }
+}

frontend/app/lib/destinations/details.dart

@@ -0,0 +1,41 @@
+import 'package:flutter/material.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+/// Structured review renders the immutable service snapshot, never a nickname.
+class DestinationDetailsView extends StatelessWidget {
+  const DestinationDetailsView({super.key, required this.details});
+  final DestinationDetails details;
+  Widget field(String label, String value) => Padding(
+    padding: const EdgeInsets.only(top: 12),
+    child: Column(
+      crossAxisAlignment: CrossAxisAlignment.stretch,
+      children: [Text(label), SelectableText(value)],
+    ),
+  );
+  @override
+  Widget build(BuildContext context) {
+    final l = AppLocalizations.of(context)!;
+    return Column(
+      crossAxisAlignment: CrossAxisAlignment.stretch,
+      children: switch (details) {
+        CryptoDestination d => [
+          field(l.dAsset, d.assetLabel),
+          field(l.dNetwork, d.networkLabel),
+          field(l.dAddress, d.address),
+          field(l.dMemo, d.memo.isEmpty ? l.dNoMemo : d.memo),
+        ],
+        CardDestination d => [field(l.dCard, d.display)],
+        RussianBankDestination d => [
+          field(l.dHolder, d.holder),
+          field(l.dBankSearch, d.bank.name),
+          field(l.dBik, d.bank.bik),
+          field(l.dAccount, d.account),
+          field(l.dCorrespondent, d.bank.correspondent),
+        ],
+      },
+    );
+  }
+}

frontend/app/lib/destinations/form.dart

@@ -0,0 +1,292 @@
+import 'package:flutter/material.dart';
+
+import 'package:provider/provider.dart';
+
+import 'package:sxchnge_analytics/sxchnge_analytics.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import 'bank.dart';
+import 'copy.dart';
+import 'crypto.dart';
+import 'nickname.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class DestinationFormPage extends StatefulWidget {
+  const DestinationFormPage({
+    super.key,
+    this.payoutContext,
+    this.initial,
+    this.replacing,
+    this.restoring,
+  });
+  final PayoutContext? payoutContext;
+  final DestinationDetails? initial;
+  final String? replacing;
+  final SavedReference? restoring;
+  @override
+  State<DestinationFormPage> createState() => _DestinationFormPageState();
+}
+
+class _DestinationFormPageState extends State<DestinationFormPage> {
+  late final p = DestinationFormProvider(
+    context.read<DestinationsProvider>().service,
+    context.read<AnalyticsService>(),
+    context: widget.payoutContext,
+    initial: widget.initial,
+    replacing: widget.replacing,
+    restoring: widget.restoring,
+  );
+  late DestinationType? type = widget.initial?.type;
+  final nickname = TextEditingController();
+  final focus = FocusNode();
+  Future<void> proceed({
+    bool withoutSaving = false,
+    bool existing = false,
+  }) async {
+    if (existing) {
+      await p.useExisting();
+    } else {
+      await p.proceed(withoutSaving: withoutSaving);
+    }
+    if (!mounted) return;
+    if (p.result != null) {
+      final l = AppLocalizations.of(context)!;
+      if (p.saved?.outcome == SaveOutcome.created || widget.restoring != null) {
+        ScaffoldMessenger.of(context).showSnackBar(
+          SnackBar(
+            content: Text(
+              widget.restoring == null ? l.dSaved : l.dAuthorizationUpdated,
+            ),
+          ),
+        );
+      }
+      Navigator.pop(context, p.result);
+      return;
+    }
+    focus.requestFocus();
+  }
+
+  @override
+  void dispose() {
+    p.dispose();
+    nickname.dispose();
+    focus.dispose();
+    super.dispose();
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    final l = AppLocalizations.of(context)!;
+    final caps = context.watch<DestinationsProvider>().capabilities;
+    return ListenableBuilder(
+      listenable: p,
+      builder: (context, _) => PopScope(
+        canPop: !p.busy,
+        child: Scaffold(
+          appBar: AppBar(title: Text(l.dAdd)),
+          body: SingleChildScrollView(
+            padding: const EdgeInsets.all(24),
+            child: Center(
+              child: ConstrainedBox(
+                constraints: const BoxConstraints(maxWidth: 720),
+                child: Column(
+                  crossAxisAlignment: CrossAxisAlignment.stretch,
+                  children: [
+                    if (caps?.simulated == true) ...[
+                      Text(l.dDemo),
+                      const SizedBox(height: 16),
+                    ],
+                    Text(l.dOwn),
+                    const SizedBox(height: 20),
+                    if (caps == null || caps.types.isEmpty)
+                      Text(l.dNoCapabilities)
+                    else ...[
+                      DropdownButtonFormField<DestinationType>(
+                        initialValue: caps.types.contains(type) ? type : null,
+                        isExpanded: true,
+                        decoration: InputDecoration(labelText: l.dType),
+                        items: [
+                          for (final t in caps.types)
+                            DropdownMenuItem(
+                              value: t,
+                              child: Text(
+                                destinationType(l, t),
+                                maxLines: 1,
+                                overflow: TextOverflow.ellipsis,
+                              ),
+                            ),
+                        ],
+                        onChanged:
+                            p.busy || p.uncertain || widget.restoring != null
+                            ? null
+                            : (v) {
+                                setState(() => type = v);
+                                p.change(null);
+                              },
+                      ),
+                      const SizedBox(height: 20),
+                      AbsorbPointer(
+                        absorbing: p.busy || p.uncertain,
+                        child: Column(
+                          crossAxisAlignment: CrossAxisAlignment.stretch,
+                          children: [
+                            if (type == DestinationType.crypto)
+                              CryptoFields(
+                                capabilities: caps,
+                                initial: widget.initial is CryptoDestination
+                                    ? widget.initial as CryptoDestination
+                                    : null,
+                                errorField: p.errorField,
+                                onChanged: p.change,
+                              ),
+                            if (type == DestinationType.russianBank)
+                              BankFields(
+                                initial:
+                                    widget.initial is RussianBankDestination
+                                    ? widget.initial as RussianBankDestination
+                                    : null,
+                                errorField: p.errorField,
+                                onChanged: p.change,
+                              ),
+                            if (type == DestinationType.card &&
+                                caps.simulated) ...[
+                              Text(l.dCardDemo),
+                              const SizedBox(height: 16),
+                              RadioGroup<String>(
+                                groupValue: p.details is CardDestination
+                                    ? (p.details as CardDestination).capture
+                                    : null,
+                                onChanged: (value) {
+                                  if (value != null) {
+                                    p.change(
+                                      CardDestination(
+                                        capture: value,
+                                        brand: 'Demo card',
+                                        last4: '4242',
+                                        expiryMonth: 12,
+                                        expiryYear: 2030,
+                                      ),
+                                    );
+                                  }
+                                },
+                                child: Column(
+                                  children: [
+                                    RadioListTile<String>(
+                                      value: 'demo-card-ready',
+                                      title: Text(l.dCardReady),
+                                    ),
+                                    RadioListTile<String>(
+                                      value: 'demo-card-recover',
+                                      title: Text(l.dCardRecover),
+                                    ),
+                                  ],
+                                ),
+                              ),
+                            ],
+                            if (type == DestinationType.card && !caps.simulated)
+                              Text(l.dNoCapabilities),
+                            if (widget.payoutContext != null) ...[
+                              const SizedBox(height: 16),
+                              CheckboxListTile(
+                                contentPadding: EdgeInsets.zero,
+                                value: p.save,
+                                onChanged: (v) => p.preferences(save: v),
+                                title: Text(l.dSaveFuture),
+                              ),
+                            ],
+                            if (widget.restoring == null &&
+                                (widget.payoutContext == null || p.save)) ...[
+                              const SizedBox(height: 16),
+                              DestinationNickname(
+                                controller: nickname,
+                                enabled: !p.busy && !p.uncertain,
+                                onChanged: (v) => p.preferences(nickname: v),
+                              ),
+                            ],
+                          ],
+                        ),
+                      ),
+                      const SizedBox(height: 16),
+                      Focus(
+                        focusNode: focus,
+                        skipTraversal: true,
+                        child: Semantics(
+                          liveRegion: true,
+                          child: Column(
+                            crossAxisAlignment: CrossAxisAlignment.stretch,
+                            children: [
+                              if (p.error != null)
+                                Text(
+                                  p.uncertain
+                                      ? l.dUncertain
+                                      : p.errorField != null
+                                      ? l.dInvalid
+                                      : '${p.savingFailed ? '${l.dSaveFailed}\n' : ''}${destinationIssue(l, p.error!)}',
+                                  key: const ValueKey('destination-error'),
+                                ),
+                              if (p.eligibility != null &&
+                                  !p.eligibility!.eligible)
+                                Text(
+                                  '${p.saved != null ? '${l.dSavedIneligible}\n' : ''}${eligibilityText(l, p.eligibility!)}',
+                                ),
+                              if (p.saved?.outcome ==
+                                  SaveOutcome.duplicate) ...[
+                                Text(l.dDuplicate),
+                                TextButton(
+                                  onPressed: p.busy
+                                      ? null
+                                      : () => proceed(existing: true),
+                                  child: Text(l.dUseExisting),
+                                ),
+                              ],
+                              if (p.saved?.outcome == SaveOutcome.created &&
+                                  p.result == null)
+                                Text(l.dSaved),
+                            ],
+                          ),
+                        ),
+                      ),
+                      if (p.busy) const LinearProgressIndicator(),
+                      if (p.uncertain)
+                        TextButton(
+                          onPressed: p.busy ? null : () => proceed(),
+                          child: Text(l.dCheckSave),
+                        ),
+                      if (p.savingFailed && widget.payoutContext != null)
+                        TextButton(
+                          onPressed: p.busy
+                              ? null
+                              : () => proceed(withoutSaving: true),
+                          child: Text(l.dWithoutSave),
+                        ),
+                      if (p.save && widget.payoutContext != null)
+                        Text(l.dSaveHelp),
+                      const SizedBox(height: 12),
+                      FilledButton(
+                        key: const ValueKey('destination-continue'),
+                        onPressed: p.busy || p.details == null
+                            ? null
+                            : () => proceed(),
+                        child: Text(
+                          widget.restoring != null
+                              ? l.dUpdateAuthorization
+                              : widget.payoutContext == null
+                              ? l.dSave
+                              : p.error != null && !p.uncertain
+                              ? l.dRetrySave
+                              : l.dContinue,
+                        ),
+                      ),
+                    ],
+                  ],
+                ),
+              ),
+            ),
+          ),
+        ),
+      ),
+    );
+  }
+}

frontend/app/lib/destinations/list.dart

@@ -0,0 +1,165 @@
+import 'package:flutter/material.dart';
+
+import 'package:provider/provider.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import 'copy.dart';
+import 'detail.dart';
+import 'form.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class DestinationsPage extends StatefulWidget {
+  const DestinationsPage({super.key, this.payoutContext});
+  final PayoutContext? payoutContext;
+  @override
+  State<DestinationsPage> createState() => _DestinationsPageState();
+}
+
+class _DestinationsPageState extends State<DestinationsPage> {
+  String query = '';
+  late final selection = DestinationSelectionProvider(
+    context.read<DestinationsProvider>().service,
+    widget.payoutContext ?? const PayoutContext(''),
+  );
+  Future<void> refresh() async {
+    final p = context.read<DestinationsProvider>();
+    await p.refresh();
+    if (!mounted) return;
+    await selection.assess(p.methods);
+  }
+
+  @override
+  void initState() {
+    super.initState();
+    WidgetsBinding.instance.addPostFrameCallback((_) {
+      if (mounted) refresh();
+    });
+  }
+
+  Future<void> add() async {
+    final result = await Navigator.push<DestinationInput>(
+      context,
+      MaterialPageRoute(
+        builder: (_) =>
+            DestinationFormPage(payoutContext: widget.payoutContext),
+      ),
+    );
+    if (!mounted) return;
+    if (result != null && widget.payoutContext != null) {
+      Navigator.pop(context, result);
+    } else {
+      await refresh();
+    }
+  }
+
+  Future<void> choose(SavedDestination d) async {
+    if (widget.payoutContext == null) {
+      await Navigator.push<void>(
+        context,
+        MaterialPageRoute(
+          builder: (_) => DestinationDetailPage(destination: d),
+        ),
+      );
+      if (mounted) await refresh();
+    } else {
+      final ref = await selection.select(d);
+      if (mounted && ref != null) Navigator.pop(context, ref);
+    }
+  }
+
+  @override
+  void dispose() {
+    selection.dispose();
+    super.dispose();
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    final l = AppLocalizations.of(context)!;
+    final p = context.watch<DestinationsProvider>();
+    return Scaffold(
+      appBar: AppBar(
+        title: Text(widget.payoutContext == null ? l.dTitle : l.dChoose),
+        actions: [
+          IconButton(
+            tooltip: l.dReload,
+            onPressed: p.loading ? null : refresh,
+            icon: const Icon(Icons.refresh),
+          ),
+        ],
+      ),
+      body: ListenableBuilder(
+        listenable: selection,
+        builder: (context, _) => ListView(
+          padding: const EdgeInsets.all(24),
+          children: [
+            if (p.capabilities?.simulated == true) ...[
+              Text(l.dDemo),
+              const SizedBox(height: 16),
+            ],
+            FilledButton.icon(
+              onPressed: p.loading || (p.capabilities?.types.isEmpty ?? true)
+                  ? null
+                  : add,
+              icon: const Icon(Icons.add),
+              label: Text(widget.payoutContext == null ? l.dAdd : l.dNew),
+            ),
+            if (p.capabilities?.types.isEmpty == true)
+              Text(l.dManagementUnavailable),
+            const SizedBox(height: 20),
+            TextField(
+              decoration: InputDecoration(
+                labelText: l.dSearch,
+                prefixIcon: const Icon(Icons.search),
+              ),
+              onChanged: (v) => setState(() => query = v),
+            ),
+            if (p.loading || selection.busy) const LinearProgressIndicator(),
+            if (p.failed) Text(l.dUnavailable),
+            if (selection.error != null)
+              Semantics(
+                liveRegion: true,
+                child: Text(destinationIssue(l, selection.error!)),
+              ),
+            if (widget.payoutContext != null &&
+                !p.loading &&
+                p.methods.isNotEmpty &&
+                !selection.assessments.values.any((a) => a.eligible))
+              Text(l.dNoEligible),
+            for (final type
+                in p.capabilities?.types ?? <DestinationType>[]) ...[
+              const SizedBox(height: 24),
+              Text(
+                destinationType(l, type),
+                style: Theme.of(context).textTheme.titleLarge,
+              ),
+              const SizedBox(height: 8),
+              if (p.search(query, type).isEmpty && !p.loading && !p.failed)
+                Text(query.isEmpty ? l.dEmpty : l.dNoMatches),
+              for (final d in p.search(query, type))
+                Card(
+                  child: ListTile(
+                    contentPadding: const EdgeInsets.all(16),
+                    title: Text(d.label),
+                    subtitle: Column(
+                      crossAxisAlignment: CrossAxisAlignment.start,
+                      children: [
+                        if (d.nickname.isNotEmpty) Text(d.details.display),
+                        if (selection.assessments[d.id]
+                            case final PayoutEligibility e)
+                          Text(eligibilityText(l, e)),
+                      ],
+                    ),
+                    trailing: const Icon(Icons.chevron_right),
+                    onTap: selection.busy ? null : () => choose(d),
+                  ),
+                ),
+            ],
+          ],
+        ),
+      ),
+    );
+  }
+}

frontend/app/lib/destinations/nickname.dart

@@ -0,0 +1,26 @@
+import 'package:flutter/material.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class DestinationNickname extends StatelessWidget {
+  const DestinationNickname({
+    super.key,
+    required this.controller,
+    required this.onChanged,
+    this.enabled = true,
+  });
+  final TextEditingController controller;
+  final ValueChanged<String> onChanged;
+  final bool enabled;
+  @override
+  Widget build(BuildContext context) => TextField(
+    key: const ValueKey('destination-nickname'),
+    controller: controller,
+    enabled: enabled,
+    maxLength: 80,
+    decoration: InputDecoration(
+      labelText: AppLocalizations.of(context)!.dNickname,
+    ),
+    onChanged: onChanged,
+  );
+}

frontend/app/lib/destinations/paste.dart

@@ -0,0 +1,79 @@
+import 'package:flutter/material.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class BankPasteDialog extends StatefulWidget {
+  const BankPasteDialog({super.key});
+  @override
+  State<BankPasteDialog> createState() => _BankPasteDialogState();
+}
+
+class _BankPasteDialogState extends State<BankPasteDialog> {
+  final text = TextEditingController();
+  BankPaste? result;
+  @override
+  void dispose() {
+    text.clear();
+    text.dispose();
+    super.dispose();
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    final l = AppLocalizations.of(context)!;
+    final labels = {
+      'firstName': l.dFirst,
+      'lastName': l.dLast,
+      'patronymic': l.dPatronymic,
+      'account': l.dAccount,
+      'bik': 'BIK',
+      'bank': l.dBankSearch,
+      'holder': l.dHolder,
+      'correspondent': l.dCorrespondent,
+    };
+    return AlertDialog(
+      title: Text(l.dPaste),
+      content: SizedBox(
+        width: 480,
+        child: SingleChildScrollView(
+          child: Column(
+            crossAxisAlignment: CrossAxisAlignment.stretch,
+            mainAxisSize: MainAxisSize.min,
+            children: [
+              Text(l.dPasteHelp),
+              const SizedBox(height: 12),
+              TextField(
+                controller: text,
+                maxLines: 6,
+                decoration: InputDecoration(labelText: l.dBankDetails),
+                onChanged: (_) => setState(() => result = null),
+              ),
+              if (result != null) ...[
+                const SizedBox(height: 12),
+                if (result!.conflicts.isNotEmpty) Text(l.dPasteConflict),
+                for (final e in result!.values.entries)
+                  Text('${labels[e.key]}: ${e.value}'),
+              ],
+            ],
+          ),
+        ),
+      ),
+      actions: [
+        TextButton(
+          onPressed: () => Navigator.pop(context),
+          child: Text(l.wClose),
+        ),
+        FilledButton(
+          onPressed: result == null
+              ? () => setState(() => result = BankPaste.parse(text.text))
+              : result!.values.isEmpty
+              ? null
+              : () => Navigator.pop(context, result),
+          child: Text(result == null ? l.dPasteReview : l.dPasteApply),
+        ),
+      ],
+    );
+  }
+}

frontend/app/lib/kyc/birth.dart

@@ -0,0 +1,206 @@
+import 'package:flutter/material.dart';
+import 'package:flutter/services.dart';
+
+import 'package:intl/intl.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+/// Birthday entry with a canonical date string at the profile boundary.
+class BirthField extends StatefulWidget {
+  const BirthField({
+    super.key,
+    required this.value,
+    required this.onChanged,
+    this.enabled = true,
+  });
+
+  final String value;
+  final ValueChanged<String> onChanged;
+  final bool enabled;
+
+  @override
+  State<BirthField> createState() => _BirthFieldState();
+}
+
+class _BirthFieldState extends State<BirthField> {
+  final _day = TextEditingController();
+  final _year = TextEditingController();
+  final _monthField = GlobalKey<FormFieldState<int>>();
+  int? _month;
+  late String _emitted;
+
+  @override
+  void initState() {
+    super.initState();
+    _readValue();
+  }
+
+  @override
+  void didUpdateWidget(BirthField oldWidget) {
+    super.didUpdateWidget(oldWidget);
+    if (widget.value != _emitted) {
+      _readValue();
+      _monthField.currentState?.didChange(_month);
+    }
+  }
+
+  void _readValue() {
+    _emitted = widget.value;
+    final parts = RegExp(r'^(\d{4})-(\d{2})-(\d{2})$').firstMatch(widget.value);
+    _year.text = parts?.group(1) ?? '';
+    final month = int.tryParse(parts?.group(2) ?? '');
+    _month = month != null && month >= 1 && month <= 12 ? month : null;
+    _day.text = parts?.group(3) ?? '';
+  }
+
+  DateTime? get _date {
+    final day = int.tryParse(_day.text);
+    final year = int.tryParse(_year.text);
+    if (day == null ||
+        year == null ||
+        year < 1 ||
+        _year.text.length != 4 ||
+        _month == null) {
+      return null;
+    }
+    final date = DateTime(year, _month!, day);
+    return date.year == year && date.month == _month && date.day == day
+        ? date
+        : null;
+  }
+
+  bool _future(DateTime date) =>
+      date.isAfter(DateUtils.dateOnly(DateTime.now()));
+
+  void _change() {
+    setState(() {});
+    final date = _date;
+    _emitted = date == null || _future(date)
+        ? ''
+        : '${_year.text}-${_month.toString().padLeft(2, '0')}-'
+              '${_day.text.padLeft(2, '0')}';
+    widget.onChanged(_emitted);
+  }
+
+  @override
+  void dispose() {
+    _day.dispose();
+    _year.dispose();
+    super.dispose();
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    final l = AppLocalizations.of(context)!;
+    final date = _date;
+    final complete =
+        _day.text.isNotEmpty && _month != null && _year.text.length == 4;
+    final error = !complete
+        ? null
+        : date == null
+        ? l.kycBirthInvalid
+        : _future(date)
+        ? l.kycBirthFuture
+        : null;
+    final months = DateFormat.MMMM(Localizations.localeOf(context).toString());
+    return Column(
+      crossAxisAlignment: CrossAxisAlignment.stretch,
+      children: [
+        Text(l.kycBirth, style: Theme.of(context).textTheme.labelLarge),
+        const SizedBox(height: 8),
+        LayoutBuilder(
+          builder: (context, constraints) {
+            final day = _number(
+              key: 'birth-day',
+              controller: _day,
+              label: l.kycBirthDay,
+              length: 2,
+              autofill: AutofillHints.birthdayDay,
+            );
+            final month = DropdownButtonFormField<int>(
+              key: _monthField,
+              initialValue: _month,
+              isExpanded: true,
+              decoration: InputDecoration(labelText: l.kycBirthMonth),
+              items: [
+                for (var month = 1; month <= 12; month++)
+                  DropdownMenuItem(
+                    value: month,
+                    child: Text(months.format(DateTime(2000, month))),
+                  ),
+              ],
+              onChanged: !widget.enabled
+                  ? null
+                  : (value) {
+                      _month = value;
+                      _change();
+                    },
+            );
+            final year = _number(
+              key: 'birth-year',
+              controller: _year,
+              label: l.kycBirthYear,
+              length: 4,
+              autofill: AutofillHints.birthdayYear,
+            );
+            final scale = MediaQuery.textScalerOf(context).scale(16) / 16;
+            if (constraints.maxWidth < 400 * scale) {
+              return Column(
+                crossAxisAlignment: CrossAxisAlignment.stretch,
+                children: [
+                  day,
+                  const SizedBox(height: 16),
+                  month,
+                  const SizedBox(height: 16),
+                  year,
+                ],
+              );
+            }
+            return Row(
+              crossAxisAlignment: CrossAxisAlignment.start,
+              children: [
+                Expanded(flex: 2, child: day),
+                const SizedBox(width: 12),
+                Expanded(flex: 4, child: month),
+                const SizedBox(width: 12),
+                Expanded(flex: 3, child: year),
+              ],
+            );
+          },
+        ),
+        if (error != null)
+          Padding(
+            padding: const EdgeInsets.only(top: 8),
+            child: Semantics(
+              liveRegion: true,
+              child: Text(
+                error,
+                style: TextStyle(color: Theme.of(context).colorScheme.error),
+              ),
+            ),
+          ),
+      ],
+    );
+  }
+
+  Widget _number({
+    required String key,
+    required TextEditingController controller,
+    required String label,
+    required int length,
+    required String autofill,
+  }) => TextFormField(
+    key: ValueKey(key),
+    controller: controller,
+    enabled: widget.enabled,
+    keyboardType: TextInputType.number,
+    textInputAction: TextInputAction.next,
+    autofillHints: [autofill],
+    inputFormatters: [
+      FilteringTextInputFormatter.digitsOnly,
+      LengthLimitingTextInputFormatter(length),
+    ],
+    decoration: InputDecoration(labelText: label),
+    onChanged: (_) => _change(),
+  );
+}

frontend/app/lib/kyc/country.dart

@@ -0,0 +1,163 @@
+import 'package:flutter/material.dart';
+import 'package:flutter/services.dart';
+
+import 'package:country_picker/country_picker.dart';
+
+import '../generated/i18n/app_localizations.dart';
+
+class CountryField extends StatelessWidget {
+  const CountryField({
+    super.key,
+    required this.value,
+    required this.onChanged,
+    this.enabled = true,
+  });
+
+  final String value;
+  final ValueChanged<String> onChanged;
+  final bool enabled;
+
+  @override
+  Widget build(BuildContext context) {
+    final l = AppLocalizations.of(context)!;
+    final country = CountryService().findByCode(value);
+    return Column(
+      crossAxisAlignment: CrossAxisAlignment.stretch,
+      children: [
+        Text(l.kycCountry, style: Theme.of(context).textTheme.labelLarge),
+        const SizedBox(height: 8),
+        Semantics(
+          label: l.kycCountry,
+          child: OutlinedButton(
+            onPressed: !enabled
+                ? null
+                : () async {
+                    final code = await showDialog<String>(
+                      context: context,
+                      builder: (_) => _CountrySearch(selected: value),
+                    );
+                    if (context.mounted && code != null) onChanged(code);
+                  },
+            style: OutlinedButton.styleFrom(
+              shape: RoundedRectangleBorder(
+                borderRadius: BorderRadius.circular(14),
+              ),
+            ),
+            child: Row(
+              children: [
+                Expanded(
+                  child: Text(
+                    country == null
+                        ? l.kycCountrySelect
+                        : _name(context, country),
+                  ),
+                ),
+                const SizedBox(width: 8),
+                const Icon(Icons.expand_more),
+              ],
+            ),
+          ),
+        ),
+      ],
+    );
+  }
+}
+
+String _name(BuildContext context, Country country) =>
+    country.getTranslatedName(context) ?? country.name;
+
+class _CountrySearch extends StatefulWidget {
+  const _CountrySearch({required this.selected});
+
+  final String selected;
+
+  @override
+  State<_CountrySearch> createState() => _CountrySearchState();
+}
+
+class _CountrySearchState extends State<_CountrySearch> {
+  final _query = TextEditingController();
+  final _countries = {
+    for (final country in CountryService().getAll())
+      country.countryCode: country,
+  }.values.toList();
+
+  @override
+  void dispose() {
+    _query.dispose();
+    super.dispose();
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    final l = AppLocalizations.of(context)!;
+    return Focus(
+      autofocus: true,
+      onKeyEvent: (_, event) {
+        if (event is KeyDownEvent &&
+            event.logicalKey == LogicalKeyboardKey.escape) {
+          Navigator.of(context).pop();
+          return KeyEventResult.handled;
+        }
+        return KeyEventResult.ignored;
+      },
+      child: Dialog.fullscreen(
+        child: Scaffold(
+          appBar: AppBar(
+            leading: BackButton(onPressed: () => Navigator.of(context).pop()),
+            title: TextField(
+              key: const ValueKey('country-search'),
+              controller: _query,
+              autofocus: true,
+              decoration: InputDecoration(
+                labelText: l.kycCountrySearch,
+                prefixIcon: const Icon(Icons.search),
+              ),
+              onChanged: (_) => setState(() {}),
+            ),
+            toolbarHeight: 96,
+            actions: [
+              if (_query.text.isNotEmpty)
+                IconButton(
+                  tooltip: l.kycCountryClearSearch,
+                  icon: const Icon(Icons.clear),
+                  onPressed: () => setState(_query.clear),
+                ),
+            ],
+          ),
+          body: _list(context),
+        ),
+      ),
+    );
+  }
+
+  Widget _list(BuildContext context) {
+    final search = _query.text.trim().toLowerCase();
+    final countries = _countries.where((country) {
+      return _name(context, country).toLowerCase().contains(search) ||
+          country.name.toLowerCase().contains(search) ||
+          country.countryCode.toLowerCase() == search;
+    }).toList()..sort((a, b) => _name(context, a).compareTo(_name(context, b)));
+    if (countries.isEmpty) {
+      return Center(
+        child: Padding(
+          padding: const EdgeInsets.all(24),
+          child: Text(AppLocalizations.of(context)!.kycCountryEmpty),
+        ),
+      );
+    }
+    return ListView.builder(
+      itemCount: countries.length,
+      itemBuilder: (context, index) {
+        final country = countries[index];
+        final isSelected = country.countryCode == widget.selected;
+        return ListTile(
+          title: Text(_name(context, country)),
+          selected: isSelected,
+          trailing: isSelected ? const Icon(Icons.check) : null,
+          onTap: () => Navigator.of(context).pop(country.countryCode),
+        );
+      },
+    );
+  }
+}

frontend/app/lib/kyc/preview.dart

@@ -1,3 +1,5 @@
+import 'dart:typed_data';
+
 import 'package:flutter/material.dart';
 
 import 'package:sxchnge_kyc/sxchnge_kyc.dart';
@@ -15,8 +17,12 @@ class PhotoPreview extends StatefulWidget {
 
 class _PhotoPreviewState extends State<PhotoPreview> {
   late ImageProvider _image = _provider();
-  ImageProvider _provider() =>
+  ImageProvider _provider() => ResizeImage.resizeIfNeeded(
-      ResizeImage.resizeIfNeeded(1000, null, MemoryImage(widget.photo.bytes));
+    1000,
+    null,
+    // Web decoders require a native typed array, not the model's read-only view.
+    MemoryImage(Uint8List.fromList(widget.photo.bytes)),
+  );
   @override
   void didUpdateWidget(covariant PhotoPreview oldWidget) {
     super.didUpdateWidget(oldWidget);
@@ -38,7 +44,15 @@ class _PhotoPreviewState extends State<PhotoPreview> {
     height: 220,
     fit: BoxFit.contain,
     semanticLabel: widget.label,
-    errorBuilder: (_, _, _) =>
+    errorBuilder: (_, _, _) => ConstrainedBox(
-        Text(AppLocalizations.of(context)!.kycErrorUnreadable),
+      constraints: const BoxConstraints(minHeight: 220),
+      child: Center(
+        child: Semantics(
+          container: true,
+          liveRegion: true,
+          child: Text(AppLocalizations.of(context)!.kycErrorPreview),
+        ),
+      ),
+    ),
   );
 }

frontend/app/lib/kyc/profile.dart

@@ -2,6 +2,9 @@ import 'package:flutter/material.dart';
 
 import 'package:sxchnge_kyc/sxchnge_kyc.dart';
 
+import 'birth.dart';
+import 'country.dart';
+
 import '../generated/i18n/app_localizations.dart';
 
 class ProfileForm extends StatelessWidget {
@@ -35,30 +38,18 @@ class ProfileForm extends StatelessWidget {
           onChanged: (value) => update(name: value),
         ),
         const SizedBox(height: 16),
-        TextFormField(
+        BirthField(
           key: const ValueKey('kyc-birth'),
-          initialValue: p.profile.dateOfBirth,
+          value: p.profile.dateOfBirth,
           enabled: !p.busy,
-          keyboardType: TextInputType.datetime,
+          onChanged: (value) => update(birth: value),
-          autofillHints: const [AutofillHints.birthday],
-          decoration: InputDecoration(
-            labelText: l.kycBirth,
-            helperText: l.kycBirthHelp,
-          ),
-          onChanged: (value) => update(birth: value.trim()),
         ),
         const SizedBox(height: 16),
-        TextFormField(
+        CountryField(
           key: const ValueKey('kyc-country'),
-          initialValue: p.profile.residenceCountry,
+          value: p.profile.residenceCountry,
           enabled: !p.busy,
-          maxLength: 2,
+          onChanged: (value) => update(country: value),
-          textCapitalization: TextCapitalization.characters,
-          decoration: InputDecoration(
-            labelText: l.kycCountry,
-            helperText: l.kycCountryHelp,
-          ),
-          onChanged: (value) => update(country: value.trim().toUpperCase()),
         ),
         if (!p.profile.isComplete) Text(l.kycProfileRequired),
       ],

frontend/app/lib/l10n/en.arb

@@ -63,6 +63,7 @@
   "verificationRequest": "Send a new verification email",
   "verificationRetry": "Retry verification",
   "verificationBack": "Back to login",
+  "verificationContinue": "Continue to login",
   "verificationHint": "No email? Check your spam folder or request another below.",
   "verificationDemoLink": "Continue to confirmation",
   "verificationStep": "CONFIRM YOUR EMAIL",
@@ -127,6 +128,7 @@
   "kycErrorFormat": "Choose a JPEG or PNG image. Other formats are not supported.",
   "kycErrorLarge": "This image is too large. Choose one under 10 MB and 40 megapixels.",
   "kycErrorUnreadable": "This image is damaged or cannot be read. Choose another photo.",
+  "kycErrorPreview": "The photo preview could not be displayed. Try choosing the photo again.",
   "kycErrorSmall": "The photo is too small. Use an image at least 600 pixels wide and high.",
   "kycErrorIncomplete": "Choose both photos and confirm they belong to you before submitting.",
   "kycErrorSession": "Your session has expired. Return to login, then check your verification status.",
@@ -159,7 +161,10 @@
   "wRecent": "Recent activity",
   "wSeeAll": "See all",
   "wEmptyActivity": "Your next move starts here. Your transactions will appear below.",
-  "wEmptyAccounts": "Your accounts are not ready yet. Try refreshing.",
+  "wEmptyAccounts": "We couldn’t finish setting up your currency accounts. Try again to continue.",
+  "wAccountsLoading": "Getting your RUB, USDT and USDC accounts ready…",
+  "wAccountsFailed": "We couldn’t load your currency accounts. Try again to continue.",
+  "wAccountsRetry": "Try again",
   "wRefresh": "Refresh",
   "wSource": "From account",
   "wDestination": "To account",
@@ -268,10 +273,17 @@
   "kycProfileHelp": "Enter your details exactly as shown on your identity document.",
   "kycFullName": "Full legal name",
   "kycBirth": "Date of birth",
-  "kycBirthHelp": "YYYY-MM-DD, for example 1990-04-23",
+  "kycBirthDay": "Day",
+  "kycBirthMonth": "Month",
+  "kycBirthYear": "Year",
+  "kycBirthInvalid": "Enter a valid date of birth.",
+  "kycBirthFuture": "Date of birth cannot be in the future.",
   "kycCountry": "Country of residence",
-  "kycCountryHelp": "Two-letter country code, for example PL or DE",
+  "kycCountrySelect": "Select a country",
-  "kycProfileRequired": "Enter your full name, a valid date of birth and a two-letter country code to continue.",
+  "kycCountrySearch": "Search countries",
+  "kycCountryEmpty": "No countries found. Try another name or country code.",
+  "kycCountryClearSearch": "Clear search",
+  "kycProfileRequired": "Enter your full name, a valid date of birth and select your country of residence to continue.",
   "kycContinue": "Continue to my account",
   "kycOperationMinimum": "Per operation minimum",
   "kycOperationMaximum": "Per operation maximum",
@@ -289,5 +301,95 @@
         "type": "int"
       }
     }
+  },
+  "dTitle": "Payout methods",
+  "dAdd": "Add payout method",
+  "dChoose": "Payout destination",
+  "dNew": "Use a new destination",
+  "dSave": "Save payout method",
+  "dContinue": "Continue",
+  "dSaveFuture": "Save for future payouts",
+  "dSaveHelp": "Continue will also save this destination.",
+  "dNickname": "Name for this method (optional)",
+  "dSaved": "Payout method saved.",
+  "dSaveFailed": "Couldn’t save these details. Your input is still here.",
+  "dRetrySave": "Retry saving",
+  "dWithoutSave": "Continue without saving",
+  "dUncertain": "We couldn’t confirm saving. This method may already be saved.",
+  "dCheckSave": "Check save status",
+  "dDuplicate": "This destination is already saved. Use the existing method.",
+  "dUseExisting": "Use existing method",
+  "dCrypto": "Crypto address",
+  "dCard": "Bank card",
+  "dBank": "Russian bank account",
+  "dType": "Destination type",
+  "dSearch": "Search saved methods",
+  "dEmpty": "No saved methods in this category.",
+  "dNoMatches": "No matching methods.",
+  "dEligible": "Available",
+  "dTemporary": "Temporarily unavailable for this payout.",
+  "dAction": "Action required",
+  "dUnsupported": "This method isn’t supported for this payout.",
+  "dUnavailable": "Couldn’t load methods. Try again.",
+  "dNoCapabilities": "No destination types are currently available.",
+  "dDemo": "Demo destinations — saving lasts until reload. No real payout or card collection is connected.",
+  "dAsset": "Receiving asset",
+  "dNetwork": "Network",
+  "dAddress": "Wallet address",
+  "dMemo": "Memo / destination tag",
+  "dNoMemo": "No memo / tag",
+  "dCryptoHelp": "Use the network supported by your receiving wallet. A valid address format does not guarantee delivery.",
+  "dHolder": "Account holder",
+  "dFirst": "First name",
+  "dLast": "Last name",
+  "dPatronymic": "Patronymic (optional)",
+  "dBankDetails": "Bank details",
+  "dBankSearch": "Bank name or BIK",
+  "dAccount": "20-digit account number",
+  "dCorrespondent": "Correspondent account",
+  "dChangeBank": "Change bank",
+  "dBankUnknown": "Bank not found. Check the name or BIK.",
+  "dBankFailure": "Bank directory is unavailable. Your input is preserved.",
+  "dBankChanged": "Bank details changed. Review them and add a replacement destination.",
+  "dPaste": "Paste bank details",
+  "dPasteHelp": "Paste labelled bank details. Review recognized values before applying them.",
+  "dPasteReview": "Review recognized details",
+  "dPasteApply": "Use these details",
+  "dPasteConflict": "Conflicting values were found. Correct the affected fields in the form.",
+  "dInvalid": "Check the entered details and correct the highlighted field.",
+  "dCardDemo": "Choose a simulated secure card capture. Do not enter a real card number.",
+  "dCardReady": "Demo card •••• 4242",
+  "dCardRecover": "Demo card requiring renewed authorization",
+  "dCardExpired": "This card has expired. Add a replacement card.",
+  "dAuthorization": "Authorization needs updating. Follow the service-supported recovery or add a replacement.",
+  "dRemoved": "This method was removed. Your draft is preserved. Choose a destination to continue.",
+  "dConflict": "This method changed in another session. Refresh and review the latest version.",
+  "dRename": "Rename",
+  "dRemove": "Remove",
+  "dReplace": "Add replacement",
+  "dRemoveTitle": "Remove payout method?",
+  "dRemoveHelp": "Removed methods cannot be used for new payouts. Submitted payouts and required financial records are retained.",
+  "dDetails": "Destination details",
+  "dReload": "Refresh methods",
+  "dSelect": "Select destination",
+  "dQuoteChanged": "Payout terms changed. Your draft is preserved. Select a destination and review a new quote.",
+  "dOwn": "Use a wallet, card, or account that belongs to you.",
+  "dSavedIneligible": "Saved. This method is unavailable for the current payout.",
+  "dSaveFailedLabel": "Saving failed",
+  "dNoEligible": "No methods are available for this payout. You can add a destination or refresh.",
+  "dDemoTerms": "Demo receiving amounts use a fixed 1:1 ratio. No real payout is made.",
+  "dTiming": "Expected processing time: {seconds} seconds",
+  "@dTiming": {
+    "placeholders": {
+      "seconds": {
+        "type": "int"
       }
+    }
+  },
+  "dBik": "BIK",
+  "dBankMismatch": "Pasted bank details differ from the selected bank. Check the details before continuing.",
+  "dManagementUnavailable": "Saving payout methods isn’t available yet. You can still use your configured payout destination.",
+  "dUpdateAuthorization": "Update authorization",
+  "dAuthorizationUpdated": "Authorization updated.",
+  "dReplacementRequired": "Couldn’t confirm this is the same card. Add a replacement destination."
 }

frontend/app/lib/l10n/ru.arb

@@ -63,6 +63,7 @@
   "verificationRequest": "Отправить новое письмо",
   "verificationRetry": "Повторить подтверждение",
   "verificationBack": "Вернуться ко входу",
+  "verificationContinue": "Перейти ко входу",
   "verificationHint": "Нет письма? Проверьте папку «Спам» или запросите новое ниже.",
   "verificationDemoLink": "Перейти к подтверждению",
   "verificationStep": "ПОДТВЕРДИТЕ ПОЧТУ",
@@ -127,6 +128,7 @@
   "kycErrorFormat": "Выберите изображение JPEG или PNG. Другие форматы не поддерживаются.",
   "kycErrorLarge": "Изображение слишком большое. Выберите файл до 10 МБ и 40 мегапикселей.",
   "kycErrorUnreadable": "Изображение повреждено или не читается. Выберите другое фото.",
+  "kycErrorPreview": "Не удалось показать фото. Попробуйте выбрать его ещё раз.",
   "kycErrorSmall": "Фото слишком маленькое. Ширина и высота должны быть не менее 600 пикселей.",
   "kycErrorIncomplete": "Выберите оба фото и подтвердите, что на них вы и ваш документ.",
   "kycErrorSession": "Сессия истекла. Войдите снова и проверьте статус верификации.",
@@ -159,7 +161,10 @@
   "wRecent": "Последние операции",
   "wSeeAll": "Смотреть все",
   "wEmptyActivity": "Ваш следующий шаг начинается здесь. Здесь появятся ваши операции.",
-  "wEmptyAccounts": "Ваши счета ещё не готовы. Попробуйте обновить страницу.",
+  "wEmptyAccounts": "Не удалось завершить настройку валютных счетов. Повторите попытку, чтобы продолжить.",
+  "wAccountsLoading": "Подготавливаем ваши счета в RUB, USDT и USDC…",
+  "wAccountsFailed": "Не удалось загрузить валютные счета. Повторите попытку, чтобы продолжить.",
+  "wAccountsRetry": "Повторить попытку",
   "wRefresh": "Обновить",
   "wSource": "Со счёта",
   "wDestination": "На счёт",
@@ -268,10 +273,17 @@
   "kycProfileHelp": "Укажите данные точно как в документе, удостоверяющем личность.",
   "kycFullName": "Полное имя по документу",
   "kycBirth": "Дата рождения",
-  "kycBirthHelp": "ГГГГ-ММ-ДД, например 1990-04-23",
+  "kycBirthDay": "День",
+  "kycBirthMonth": "Месяц",
+  "kycBirthYear": "Год",
+  "kycBirthInvalid": "Укажите корректную дату рождения.",
+  "kycBirthFuture": "Дата рождения не может быть в будущем.",
   "kycCountry": "Страна проживания",
-  "kycCountryHelp": "Код страны из двух букв, например PL или DE",
+  "kycCountrySelect": "Выберите страну",
-  "kycProfileRequired": "Укажите полное имя, корректную дату рождения и код страны из двух букв.",
+  "kycCountrySearch": "Поиск страны",
+  "kycCountryEmpty": "Страны не найдены. Попробуйте другое название или код страны.",
+  "kycCountryClearSearch": "Очистить поиск",
+  "kycProfileRequired": "Укажите полное имя, корректную дату рождения и выберите страну проживания.",
   "kycContinue": "Перейти в личный кабинет",
   "kycOperationMinimum": "Минимум на операцию",
   "kycOperationMaximum": "Максимум на операцию",
@@ -289,5 +301,95 @@
         "type": "int"
       }
     }
+  },
+  "dTitle": "Способы вывода",
+  "dAdd": "Добавить способ вывода",
+  "dChoose": "Реквизиты для вывода",
+  "dNew": "Использовать новые реквизиты",
+  "dSave": "Сохранить способ вывода",
+  "dContinue": "Продолжить",
+  "dSaveFuture": "Сохранить для будущих выводов",
+  "dSaveHelp": "При продолжении реквизиты также будут сохранены.",
+  "dNickname": "Название способа вывода (необязательно)",
+  "dSaved": "Способ вывода сохранён.",
+  "dSaveFailed": "Не удалось сохранить реквизиты. Введённые данные остались в форме.",
+  "dRetrySave": "Повторить сохранение",
+  "dWithoutSave": "Продолжить без сохранения",
+  "dUncertain": "Не удалось подтвердить сохранение. Возможно, способ уже сохранён.",
+  "dCheckSave": "Проверить статус сохранения",
+  "dDuplicate": "Эти реквизиты уже сохранены. Используйте существующий способ.",
+  "dUseExisting": "Использовать существующий способ",
+  "dCrypto": "Криптоадрес",
+  "dCard": "Банковская карта",
+  "dBank": "Российский банковский счёт",
+  "dType": "Тип реквизитов",
+  "dSearch": "Поиск сохранённых способов",
+  "dEmpty": "В этой категории нет сохранённых способов.",
+  "dNoMatches": "Подходящие способы не найдены.",
+  "dEligible": "Доступно",
+  "dTemporary": "Временно недоступно для этого вывода.",
+  "dAction": "Требуется действие",
+  "dUnsupported": "Этот способ не поддерживается для данного вывода.",
+  "dUnavailable": "Не удалось загрузить способы. Повторите попытку.",
+  "dNoCapabilities": "Сейчас нет доступных типов реквизитов.",
+  "dDemo": "Демонстрационные реквизиты — сохранение действует до перезагрузки. Реальный вывод и ввод карт не подключены.",
+  "dAsset": "Получаемый актив",
+  "dNetwork": "Сеть",
+  "dAddress": "Адрес кошелька",
+  "dMemo": "Memo / тег назначения",
+  "dNoMemo": "Без memo / тега",
+  "dCryptoHelp": "Выберите сеть, поддерживаемую кошельком получателя. Верный формат адреса не гарантирует зачисление.",
+  "dHolder": "Владелец счёта",
+  "dFirst": "Имя",
+  "dLast": "Фамилия",
+  "dPatronymic": "Отчество (необязательно)",
+  "dBankDetails": "Банковские реквизиты",
+  "dBankSearch": "Название банка или БИК",
+  "dAccount": "20-значный номер счёта",
+  "dCorrespondent": "Корреспондентский счёт",
+  "dChangeBank": "Изменить банк",
+  "dBankUnknown": "Банк не найден. Проверьте название или БИК.",
+  "dBankFailure": "Справочник банков недоступен. Введённые данные сохранены.",
+  "dBankChanged": "Банковские реквизиты изменились. Проверьте их и добавьте новые реквизиты.",
+  "dPaste": "Вставить банковские реквизиты",
+  "dPasteHelp": "Вставьте реквизиты с названиями полей. Проверьте распознанные значения перед применением.",
+  "dPasteReview": "Проверить распознанные реквизиты",
+  "dPasteApply": "Использовать эти реквизиты",
+  "dPasteConflict": "Найдены противоречивые значения. Исправьте соответствующие поля в форме.",
+  "dInvalid": "Проверьте введённые реквизиты и исправьте выделенное поле.",
+  "dCardDemo": "Выберите демонстрационный результат безопасного ввода карты. Не вводите настоящий номер карты.",
+  "dCardReady": "Демо-карта •••• 4242",
+  "dCardRecover": "Демо-карта с истёкшей авторизацией",
+  "dCardExpired": "Срок действия карты истёк. Добавьте новую карту.",
+  "dAuthorization": "Необходимо обновить авторизацию. Используйте доступное восстановление или добавьте новые реквизиты.",
+  "dRemoved": "Этот способ удалён. Черновик сохранён. Выберите реквизиты для продолжения.",
+  "dConflict": "Этот способ изменён в другой сессии. Обновите и проверьте актуальную версию.",
+  "dRename": "Переименовать",
+  "dRemove": "Удалить",
+  "dReplace": "Добавить новые реквизиты",
+  "dRemoveTitle": "Удалить способ вывода?",
+  "dRemoveHelp": "Удалённые способы недоступны для новых выводов. Отправленные заявки и обязательные финансовые записи сохраняются.",
+  "dDetails": "Реквизиты",
+  "dReload": "Обновить способы",
+  "dSelect": "Выбрать реквизиты",
+  "dQuoteChanged": "Условия вывода изменились. Черновик сохранён. Выберите реквизиты и проверьте новую котировку.",
+  "dOwn": "Используйте принадлежащий вам кошелёк, карту или счёт.",
+  "dSavedIneligible": "Сохранено. Этот способ недоступен для текущего вывода.",
+  "dSaveFailedLabel": "Ошибка сохранения",
+  "dNoEligible": "Для этого вывода нет доступных способов. Добавьте реквизиты или обновите список.",
+  "dDemoTerms": "Демонстрационные суммы зачисления рассчитаны по фиксированному курсу 1:1. Реальный вывод не выполняется.",
+  "dTiming": "Ожидаемое время обработки: {seconds} сек.",
+  "@dTiming": {
+    "placeholders": {
+      "seconds": {
+        "type": "int"
       }
+    }
+  },
+  "dBik": "БИК",
+  "dBankMismatch": "Вставленные реквизиты отличаются от выбранного банка. Проверьте их перед продолжением.",
+  "dManagementUnavailable": "Сохранение способов вывода пока недоступно. Вы можете использовать ранее настроенные реквизиты для вывода.",
+  "dUpdateAuthorization": "Обновить авторизацию",
+  "dAuthorizationUpdated": "Авторизация обновлена.",
+  "dReplacementRequired": "Не удалось подтвердить, что это та же карта. Добавьте новые реквизиты."
 }

frontend/app/lib/main.dart

@@ -1,5 +1,9 @@
 import 'package:flutter/material.dart';
 
+import 'package:flutter_web_plugins/url_strategy.dart';
+
+import 'package:country_picker/country_picker.dart';
+
 import 'package:provider/provider.dart';
 
 import 'package:sxchnge_analytics/sxchnge_analytics.dart';
@@ -18,6 +22,7 @@ import 'routing/router.dart';
 import 'generated/i18n/app_localizations.dart';
 
 Future<void> main() async {
+  usePathUrlStrategy();
   final binding = WidgetsFlutterBinding.ensureInitialized();
   final locale = await LocaleProvider.load(binding.platformDispatcher.locales);
   const apiUrl = String.fromEnvironment('SXCHNGE_API_URL');
@@ -37,6 +42,7 @@ class SxchngeApp extends StatefulWidget {
     this.identityService,
     this.limitsService,
     this.walletService,
+    this.destinationService,
     this.twoFactorService,
     this.photoService = const FilePhotoService(),
     this.loginService = const DummyLoginService(),
@@ -49,6 +55,7 @@ class SxchngeApp extends StatefulWidget {
   final IdentityService? identityService;
   final LimitsService? limitsService;
   final WalletService? walletService;
+  final DestinationService? destinationService;
   final TwoFactorService? twoFactorService;
   final PhotoService photoService;
   final LoginService loginService;
@@ -89,10 +96,17 @@ class _SxchngeAppState extends State<SxchngeApp> {
               initialLocale: _locale.locale.languageCode,
               factors: _authFactors,
             ));
+  late final _destinationService =
+      widget.destinationService ??
+      (_walletService.isSimulated && _walletService is DummyWalletService
+          ? _walletService.destinations
+          : const UnavailableDestinationService());
+  late final _destinations = DestinationsProvider(_destinationService);
   late final _wallet = WalletProvider(
     _walletService,
     _analytics,
     factors: _factors,
+    destinations: _destinationService,
   );
   late final _limits =
       widget.limitsService ??
@@ -131,6 +145,7 @@ class _SxchngeAppState extends State<SxchngeApp> {
     if (customer != _walletCustomer) {
       _walletCustomer = customer;
       _wallet.reset();
+      _destinations.reset();
     }
     final path = _router.routeInformationProvider.value.uri.path;
     if (path == '/' && _previousPath != '/' && _previousPath != '/two-factor') {
@@ -145,6 +160,7 @@ class _SxchngeAppState extends State<SxchngeApp> {
     _router.dispose();
     _journeys.dispose();
     _wallet.dispose();
+    _destinations.dispose();
     if (_walletService is BackendWalletService) {
       _walletService.close();
     }
@@ -161,6 +177,7 @@ class _SxchngeAppState extends State<SxchngeApp> {
   Widget build(BuildContext context) => MultiProvider(
     providers: [
       ChangeNotifierProvider.value(value: _wallet),
+      ChangeNotifierProvider.value(value: _destinations),
       ChangeNotifierProvider.value(value: _security),
       Provider<TwoFactorService>.value(value: _factors),
       Provider<JourneyRecorder>.value(value: _journeys),
@@ -180,7 +197,10 @@ class _SxchngeAppState extends State<SxchngeApp> {
         debugShowCheckedModeBanner: false,
         theme: SxchngeTheme.light(),
         locale: locale.locale,
-        localizationsDelegates: AppLocalizations.localizationsDelegates,
+        localizationsDelegates: const [
+          ...AppLocalizations.localizationsDelegates,
+          CountryLocalizations.delegate,
+        ],
         supportedLocales: AppLocalizations.supportedLocales,
         routerConfig: _router,
       ),

frontend/app/lib/routing/router.dart

@@ -4,9 +4,12 @@ import 'package:flutter/widgets.dart';
 
 import 'package:go_router/go_router.dart';
 
+import 'package:sxchnge_auth/sxchnge_auth.dart';
+
 import 'package:sxchnge_wallet/sxchnge_wallet.dart';
 
 import '../auth/page.dart';
+import '../destinations/list.dart';
 import '../kyc/page.dart';
 import '../security/challenge.dart';
 import '../verification/page.dart';
@@ -82,6 +85,12 @@ GoRouter createAppRouter({bool Function()? authenticated}) {
           GoRoute(
             path: '/settings',
             builder: (context, state) => const SettingsPage(),
+            routes: [
+              GoRoute(
+                path: 'payout-methods',
+                builder: (context, state) => const DestinationsPage(),
+              ),
+            ],
           ),
           GoRoute(
             path: '/top-up',
@@ -128,13 +137,18 @@ GoRouter createAppRouter({bool Function()? authenticated}) {
       GoRoute(
         path: '/',
         name: AppRoutes.login,
-        builder: (context, state) => const AuthPage(),
+        builder: (context, state) => AuthPage(
+          email: state.extra is String ? state.extra as String : null,
+        ),
       ),
       GoRoute(
         path: '/verification-sent',
         name: AppRoutes.verificationSent,
         builder: (context, state) => VerificationPage(
           email: state.extra is String ? state.extra as String : null,
+          delivery: state.extra is VerificationDelivery
+              ? state.extra as VerificationDelivery
+              : null,
         ),
       ),
       GoRoute(

frontend/app/lib/verification/page.dart

@@ -15,9 +15,10 @@ import '../routing/routes.dart';
 import '../generated/i18n/app_localizations.dart';
 
 class VerificationPage extends StatefulWidget {
-  const VerificationPage({super.key, this.email, this.token});
+  const VerificationPage({super.key, this.email, this.token, this.delivery});
   final String? email;
   final String? token;
+  final VerificationDelivery? delivery;
 
   @override
   State<VerificationPage> createState() => _VerificationPageState();
@@ -25,9 +26,12 @@ class VerificationPage extends StatefulWidget {
 
 class _VerificationPageState extends State<VerificationPage> {
   final _form = GlobalKey<FormState>();
-  late final _email = TextEditingController(text: widget.email);
+  late final _email = TextEditingController(
+    text: widget.delivery?.email ?? widget.email,
+  );
   late final _provider = VerificationProvider(
     context.read<VerificationService>(),
+    delivery: widget.delivery,
   );
   final _emailFocus = FocusNode();
   String? _recipient;
@@ -44,7 +48,7 @@ class _VerificationPageState extends State<VerificationPage> {
         if (!mounted) return;
         if (widget.token != null) {
           _provider.confirm(widget.token!);
-        } else if (_email.text.isNotEmpty) {
+        } else if (widget.delivery == null && _email.text.isNotEmpty) {
           _send();
         }
       });
@@ -58,14 +62,26 @@ class _VerificationPageState extends State<VerificationPage> {
   @override
   void didUpdateWidget(covariant VerificationPage oldWidget) {
     super.didUpdateWidget(oldWidget);
-    if (oldWidget.token == widget.token) return;
+    if (oldWidget.token == widget.token &&
+        oldWidget.email == widget.email &&
+        identical(oldWidget.delivery, widget.delivery)) {
+      return;
+    }
+    if (oldWidget.token != widget.token) {
       context.read<JourneyRecorder>().abandon(JourneyExit.navigation);
-    _provider.reset();
+    }
+    _provider.reset(delivery: widget.delivery);
     _lastWasSend = false;
     _validated = false;
-    _email.clear();
+    _recipient = null;
+    _email.text = widget.delivery?.email ?? widget.email ?? '';
     WidgetsBinding.instance.addPostFrameCallback((_) {
-      if (mounted && widget.token != null) _provider.confirm(widget.token!);
+      if (!mounted) return;
+      if (widget.token != null) {
+        _provider.confirm(widget.token!);
+      } else if (widget.delivery == null && _email.text.isNotEmpty) {
+        _send();
+      }
     });
   }
 
@@ -318,16 +334,22 @@ class _VerificationPageState extends State<VerificationPage> {
                     if (verified) ...[
                       const SizedBox(height: 16),
                       FilledButton(
-                        onPressed: () => context.go('/accounts'),
+                        key: const ValueKey('verification-continue'),
-                        child: Text(l.wEnter),
+                        onPressed: () => context.goNamed(
+                          AppRoutes.login,
+                          extra: state.result?.verifiedEmail,
+                        ),
+                        child: Text(l.verificationContinue),
                       ),
                     ],
+                    if (!verified) ...[
                       const SizedBox(height: 16),
                       TextButton(
                         onPressed: () => context.goNamed(AppRoutes.login),
                         child: Text(l.verificationBack),
                       ),
                     ],
+                  ],
                 ),
               ),
             ),

frontend/app/lib/workspace/accounts.dart

@@ -65,15 +65,34 @@ class AccountsPage extends StatelessWidget {
               ),
               const SizedBox(height: 28),
               if (p.loading) const LinearProgressIndicator(),
-              if (p.failed)
+              if ((p.loading || (!p.failed && p.data == null)) &&
+                  accounts.isEmpty)
+                Semantics(liveRegion: true, child: Text(l.wAccountsLoading)),
+              if (p.failed && accounts.isNotEmpty)
                 Padding(
                   padding: const EdgeInsets.symmetric(vertical: 16),
                   child: Text(l.wUnavailable, style: TextStyle(color: c.error)),
                 ),
-              if (!p.loading && accounts.isEmpty) Text(l.wEmptyAccounts),
+              if (!p.loading &&
+                  accounts.isEmpty &&
+                  (p.failed || p.data != null)) ...[
+                Semantics(
+                  liveRegion: true,
+                  child: Text(p.failed ? l.wAccountsFailed : l.wEmptyAccounts),
+                ),
+                Align(
+                  alignment: Alignment.centerLeft,
+                  child: TextButton(
+                    onPressed: p.refresh,
+                    child: Text(l.wAccountsRetry),
+                  ),
+                ),
+              ],
               if (accountId != null &&
                   p.account(accountId) == null &&
-                  !p.loading)
+                  !p.loading &&
+                  !p.failed &&
+                  p.data != null)
                 Text(l.wNotFound),
               if (selected != null) ...[
                 const SizedBox(height: 24),

frontend/app/lib/workspace/copy.dart

@@ -48,6 +48,7 @@ String fundsText(
         _ => l.wFailedOutgoing,
       };
 String walletError(AppLocalizations l, WalletError e) => switch (e) {
+  WalletError.destinationChanged => l.dQuoteChanged,
   WalletError.invalidAmount => l.wInvalidAmount,
   WalletError.insufficientFunds => l.wInsufficient,
   WalletError.limitExceeded => l.wLimitError,

frontend/app/lib/workspace/settings.dart

@@ -106,6 +106,15 @@ class SettingsPage extends StatelessWidget {
                 ),
               ),
               const SizedBox(height: 16),
+              Card(
+                child: ListTile(
+                  leading: const Icon(Icons.account_balance_outlined),
+                  title: Text(l.dTitle),
+                  trailing: const Icon(Icons.chevron_right),
+                  onTap: () => context.push('/settings/payout-methods'),
+                ),
+              ),
+              const SizedBox(height: 16),
               const SecuritySettings(),
               const SizedBox(height: 20),
               TextButton(

frontend/app/lib/workspace/summary.dart

@@ -1,3 +1,5 @@
+import 'dart:math';
+
 import 'package:flutter/material.dart';
 
 import 'package:intl/intl.dart';
@@ -6,6 +8,8 @@ import 'package:provider/provider.dart';
 
 import 'package:sxchnge_wallet/sxchnge_wallet.dart';
 
+import '../destinations/details.dart';
+
 import 'copy.dart';
 
 import '../generated/i18n/app_localizations.dart';
@@ -49,12 +53,22 @@ class TransferSummary extends StatelessWidget {
               q.request.kind == TransferKind.payout
                   ? l.wRecipientGets
                   : l.wCredit,
-              money(context, b, q.credit),
+              q.payoutTerms == null
+                  ? money(context, b, q.credit)
+                  : '${NumberFormat.decimalPatternDigits(locale: Localizations.localeOf(context).toLanguageTag(), decimalDigits: q.payoutTerms!.precision).format(q.payoutTerms!.amount / pow(10, q.payoutTerms!.precision))} ${q.payoutTerms!.assetLabel}',
               large: true,
             ),
+            if (q.payoutTerms != null) ...[
+              const SizedBox(height: 12),
+              Text(l.dTiming(q.payoutTerms!.expectedSeconds)),
+              if (p.service.isSimulated) Text(l.dDemoTerms),
+            ],
             if (q.request.kind == TransferKind.payout) ...[
               const Divider(height: 32),
               Text(l.wRecipient),
+              if (q.payoutSnapshot != null)
+                DestinationDetailsView(details: q.payoutSnapshot!)
+              else
                 SelectableText(q.request.recipient),
             ],
           ],

frontend/app/lib/workspace/transfer.dart

@@ -11,6 +11,7 @@ import 'package:sxchnge_auth/sxchnge_auth.dart';
 import 'package:sxchnge_wallet/sxchnge_wallet.dart';
 
 import '../security/challenge.dart';
+import '../destinations/list.dart';
 
 import 'copy.dart';
 import 'summary.dart';
@@ -32,7 +33,7 @@ class TransferPageState extends State<TransferPage> {
     source: widget.source,
   );
   final _amount = TextEditingController();
-  final _recipient = TextEditingController();
+
   final _focus = FocusNode();
   final _content = GlobalKey();
   Timer? _timer;
@@ -41,7 +42,13 @@ class TransferPageState extends State<TransferPage> {
   void initState() {
     super.initState();
     WidgetsBinding.instance.addPostFrameCallback((_) {
-      if (mounted) _provider.addListener(_changed);
+      if (mounted) {
+        _provider.addListener(_changed);
+        final destinations = context.read<DestinationsProvider>();
+        if (destinations.capabilities == null && !destinations.loading) {
+          unawaited(destinations.refresh());
+        }
+      }
     });
     _timer = Timer.periodic(const Duration(seconds: 1), (_) {
       if (mounted && _provider.quote != null) setState(() {});
@@ -118,7 +125,7 @@ class TransferPageState extends State<TransferPage> {
     _provider.removeListener(_changed);
     _provider.dispose();
     _amount.dispose();
-    _recipient.dispose();
+
     _focus.dispose();
     super.dispose();
   }
@@ -134,14 +141,16 @@ class TransferPageState extends State<TransferPage> {
       final accounts = wallet.data?.accounts ?? [];
       final source = wallet.account(p.source);
       final live = !wallet.service.isSimulated;
+      final destinations = context.watch<DestinationsProvider>();
+      final legacyPayout =
+          live &&
+          !(destinations.capabilities?.types.isNotEmpty ?? false) &&
+          destinations.methods.isEmpty;
       final expiresIn =
           p.quote?.expiresAt.difference(DateTime.now()).inSeconds ?? 0;
       final unavailableMethod =
           live &&
-          ((widget.kind == TransferKind.payout &&
+          ((widget.kind == TransferKind.topUp && !(source?.canFund ?? false)));
-                  (source?.payoutMethod.isEmpty ?? true)) ||
-              (widget.kind == TransferKind.topUp &&
-                  !(source?.canFund ?? false)));
       return SingleChildScrollView(
         padding: const EdgeInsets.all(24),
         child: Center(
@@ -235,7 +244,11 @@ class TransferPageState extends State<TransferPage> {
                           FilledButton(
                             key: const ValueKey('transfer-confirm'),
                             onPressed: p.busy ? null : _confirm,
-                            child: Text(l.wConfirm),
+                            child: Text(
+                              widget.kind == TransferKind.payout
+                                  ? '${l.wPayout} ${money(context, source!, p.quote!.debit)}'
+                                  : l.wConfirm,
+                            ),
                           ),
                         TextButton(
                           onPressed: p.busy ? null : p.edit,
@@ -243,10 +256,22 @@ class TransferPageState extends State<TransferPage> {
                         ),
                       ] else ...[
                         if (accounts.isEmpty) ...[
-                          Text(wallet.loading ? l.wWorking : l.wEmptyAccounts),
+                          Semantics(
+                            liveRegion: true,
+                            child: Text(
+                              wallet.loading ||
+                                      (!wallet.failed && wallet.data == null)
+                                  ? l.wAccountsLoading
+                                  : wallet.failed
+                                  ? l.wAccountsFailed
+                                  : l.wEmptyAccounts,
+                            ),
+                          ),
+                          if (!wallet.loading &&
+                              (wallet.failed || wallet.data != null))
                             TextButton(
-                            onPressed: wallet.loading ? null : wallet.refresh,
+                              onPressed: wallet.refresh,
-                            child: Text(l.wRefresh),
+                              child: Text(l.wAccountsRetry),
                             ),
                         ] else ...[
                           DropdownButtonFormField<String>(
@@ -316,23 +341,66 @@ class TransferPageState extends State<TransferPage> {
                           ),
                           if (widget.kind == TransferKind.payout) ...[
                             const SizedBox(height: 20),
-                            if (live && source?.payoutMethod.isNotEmpty == true)
+                            if (legacyPayout) ...[
-                              InputDecorator(
+                              if (source?.payoutMethod.isNotEmpty == true)
-                                decoration: InputDecoration(
+                                OutlinedButton.icon(
-                                  labelText: l.wRecipient,
+                                  key: const ValueKey(
+                                    'choose-configured-destination',
                                   ),
-                                child: Text(source!.payoutLabel),
+                                  icon: const Icon(
+                                    Icons.account_balance_outlined,
                                   ),
-                            if (!live)
+                                  label: Text(source!.payoutLabel),
-                              TextField(
+                                  onPressed: p.busy
-                                key: const ValueKey('transfer-recipient'),
+                                      ? null
-                                controller: _recipient,
+                                      : () => p.change(
-                                enabled: !p.busy,
+                                          recipient: source.payoutMethod,
-                                decoration: InputDecoration(
+                                          payoutLabel: source.payoutLabel,
-                                  labelText: l.wRecipient,
-                                  hintText: l.wRecipientHint,
                                         ),
-                                onChanged: (v) => p.change(recipient: v),
+                                ),
+                              if (source?.payoutMethod.isEmpty ?? true)
+                                Text(l.wNoPayoutMethod),
+                            ] else
+                              OutlinedButton.icon(
+                                key: const ValueKey(
+                                  'choose-payout-destination',
+                                ),
+                                icon: const Icon(
+                                  Icons.account_balance_wallet_outlined,
+                                ),
+                                label: Text(
+                                  p.payoutDestination == null
+                                      ? l.dSelect
+                                      : p.payoutLabel,
+                                ),
+                                onPressed: p.busy
+                                    ? null
+                                    : () async {
+                                        final selected =
+                                            await Navigator.push<
+                                              DestinationInput
+                                            >(
+                                              context,
+                                              MaterialPageRoute(
+                                                builder: (_) =>
+                                                    DestinationsPage(
+                                                      payoutContext:
+                                                          PayoutContext(
+                                                            p.source,
+                                                            amount: source
+                                                                ?.parse(
+                                                                  p.amount,
+                                                                ),
+                                                          ),
+                                                    ),
+                                              ),
+                                            );
+                                        if (!context.mounted ||
+                                            selected == null) {
+                                          return;
+                                        }
+                                        await p.selectPayout(selected);
+                                      },
                               ),
                           ],
                           if (unavailableMethod) ...[
@@ -346,7 +414,13 @@ class TransferPageState extends State<TransferPage> {
                           const SizedBox(height: 28),
                           FilledButton(
                             key: const ValueKey('transfer-review'),
-                            onPressed: p.busy || unavailableMethod
+                            onPressed:
+                                p.busy ||
+                                    unavailableMethod ||
+                                    (widget.kind == TransferKind.payout &&
+                                        (legacyPayout
+                                            ? p.recipient.isEmpty
+                                            : p.payoutDestination == null))
                                 ? null
                                 : p.review,
                             child: Text(l.wReview),

frontend/app/pubspec.lock

@@ -49,6 +49,14 @@ packages:
       url: "https://pub.dev"
     source: hosted
     version: "1.19.1"
+  country_picker:
+    dependency: "direct main"
+    description:
+      name: country_picker
+      sha256: "8ef721183bd7e0a6017c413693cdc68051daceef5790f5420c3b4378b5c69115"
+      url: "https://pub.dev"
+    source: hosted
+    version: "2.0.28"
   cross_file:
     dependency: transitive
     description:
@@ -185,7 +193,7 @@ packages:
     source: sdk
     version: "0.0.0"
   flutter_web_plugins:
-    dependency: transitive
+    dependency: "direct main"
     description: flutter
     source: sdk
     version: "0.0.0"
@@ -198,7 +206,7 @@ packages:
     source: hosted
     version: "18.0.1"
   http:
-    dependency: transitive
+    dependency: "direct dev"
     description:
       name: http
       sha256: "87721a4a50b19c7f1d49001e51409bddc46303966ce89a65af4f4e6004896412"
@@ -214,7 +222,7 @@ packages:
     source: hosted
     version: "4.1.2"
   image:
-    dependency: transitive
+    dependency: "direct dev"
     description:
       name: image
       sha256: "1976370a4df3091bb0f72409c187ad1f9132a818bc6b95ca59c0bae1c75c688e"
@@ -525,6 +533,14 @@ packages:
       url: "https://pub.dev"
     source: hosted
     version: "1.4.0"
+  universal_io:
+    dependency: transitive
+    description:
+      name: universal_io
+      sha256: f63cbc48103236abf48e345e07a03ce5757ea86285ed313a6a032596ed9301e2
+      url: "https://pub.dev"
+    source: hosted
+    version: "2.3.1"
   vector_math:
     dependency: transitive
     description:

frontend/app/pubspec.yaml

@@ -14,6 +14,8 @@ dependencies:
     path: ../packages/sxchnge_analytics
   flutter:
     sdk: flutter
+  flutter_web_plugins:
+    sdk: flutter
   sxchnge_auth:
     path: ../packages/sxchnge_auth
   sxchnge_theme:
@@ -25,10 +27,13 @@ dependencies:
   shared_preferences: ^2.5.3
   cupertino_icons: ^1.0.8
   go_router: ^18.0.1
+  country_picker: ^2.0.28
 dev_dependencies:
+  image: ^4.9.0
   flutter_test:
     sdk: flutter
   flutter_lints: ^6.0.0
+  http: ^1.6.0
 flutter:
   generate: true
   uses-material-design: true

frontend/app/test/accounts_setup_test.dart

@@ -0,0 +1,104 @@
+import 'dart:async';
+
+import 'package:flutter/material.dart';
+
+import 'package:flutter_test/flutter_test.dart';
+
+import 'package:sxchnge_kyc/sxchnge_kyc.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import 'package:sxchnge_app/main.dart';
+import 'package:sxchnge_app/providers/locale.dart';
+
+class SetupWallet extends DummyWalletService {
+  SetupWallet(String locale)
+    : super(
+        DummyIdentityService(delay: Duration.zero),
+        delay: Duration.zero,
+        initialLocale: locale,
+      );
+
+  Completer<WalletSnapshot> pending = Completer<WalletSnapshot>();
+  int calls = 0;
+
+  @override
+  Future<WalletSnapshot> fetch() {
+    calls++;
+    return pending.future;
+  }
+}
+
+WalletSnapshot readyAccounts() => WalletSnapshot(
+  accounts: [
+    for (final currency in ['RUB', 'USDT', 'USDC'])
+      CurrencyAccount(
+        id: currency.toLowerCase(),
+        currency: currency,
+        precision: currency == 'RUB' ? 2 : 6,
+        available: 0,
+      ),
+  ],
+  operations: [],
+);
+
+void main() {
+  for (final locale in ['en', 'ru']) {
+    for (final path in ['/accounts', '/top-up', '/exchange', '/payout']) {
+      testWidgets(
+        '$path recovers account setup in $locale at narrow width and large text',
+        (t) async {
+          t.view.physicalSize = const Size(320, 1100);
+          t.view.devicePixelRatio = 1;
+          t.platformDispatcher.textScaleFactorTestValue = 1.6;
+          t.platformDispatcher.defaultRouteNameTestValue = path;
+          addTearDown(t.view.resetPhysicalSize);
+          addTearDown(t.view.resetDevicePixelRatio);
+          addTearDown(t.platformDispatcher.clearTextScaleFactorTestValue);
+          addTearDown(t.platformDispatcher.clearDefaultRouteNameTestValue);
+          final wallet = SetupWallet(locale);
+          await t.pumpWidget(
+            SxchngeApp(
+              walletService: wallet,
+              localeProvider: LocaleProvider(initialLocale: Locale(locale)),
+            ),
+          );
+          await t.pump();
+          await t.pump();
+          final loading = locale == 'en'
+              ? 'Getting your RUB, USDT and USDC accounts ready…'
+              : 'Подготавливаем ваши счета в RUB, USDT и USDC…';
+          final failed = locale == 'en'
+              ? 'We couldn’t load your currency accounts. Try again to continue.'
+              : 'Не удалось загрузить валютные счета. Повторите попытку, чтобы продолжить.';
+          final retry = locale == 'en' ? 'Try again' : 'Повторить попытку';
+          expect(find.text(loading), findsOneWidget);
+          expect(find.textContaining('Contact support'), findsNothing);
+          expect(t.takeException(), isNull);
+          wallet.pending.completeError(
+            const WalletException(WalletError.unavailable),
+          );
+          await t.pumpAndSettle();
+          expect(find.text(failed), findsOneWidget);
+          expect(find.text(loading), findsNothing);
+          expect(find.text(retry), findsOneWidget);
+          expect(t.takeException(), isNull);
+          wallet.pending = Completer<WalletSnapshot>();
+          await t.ensureVisible(find.text(retry));
+          await t.tap(find.text(retry));
+          await t.pump();
+          expect(wallet.calls, 2);
+          expect(find.text(loading), findsOneWidget);
+          expect(find.text(failed), findsNothing);
+          wallet.pending.complete(readyAccounts());
+          await t.pumpAndSettle();
+          expect(find.text(loading), findsNothing);
+          expect(find.text(failed), findsNothing);
+          expect(find.text('RUB'), findsWidgets);
+          expect(t.takeException(), isNull);
+          await t.pumpWidget(const SizedBox.shrink());
+        },
+      );
+    }
+  }
+}

frontend/app/test/auth_services_test.dart

@@ -92,6 +92,14 @@ void main() {
           findsOneWidget,
         );
         expect(find.byKey(const ValueKey('verification-sent')), findsNothing);
+        expect(
+          tester.testTextInput.log,
+          isNot(
+            contains(
+              isMethodCall('TextInput.finishAutofillContext', arguments: true),
+            ),
+          ),
+        );
         expect(
           tester
               .widget<TextFormField>(find.byKey(const ValueKey('email')))
@@ -153,6 +161,14 @@ void main() {
       '/verification-sent',
     );
     expect(backend.sends, 1);
+    expect(
+      tester.testTextInput.log,
+      isNot(
+        contains(
+          isMethodCall('TextInput.finishAutofillContext', arguments: true),
+        ),
+      ),
+    );
     expect(
       find.textContaining('a verification email is on its way'),
       findsOneWidget,
@@ -198,6 +214,14 @@ void main() {
         find.text('Сервис недоступен. Попробуйте ещё раз.'),
         findsOneWidget,
       );
+      expect(
+        tester.testTextInput.log,
+        isNot(
+          contains(
+            isMethodCall('TextInput.finishAutofillContext', arguments: true),
+          ),
+        ),
+      );
       await tester.tap(button);
       await tester.pump();
       expect(service.calls, hasLength(2));
@@ -207,6 +231,12 @@ void main() {
       await tester.pumpAndSettle();
       expect(find.byKey(const ValueKey('preview-result')), findsOneWidget);
       expect(find.byKey(const ValueKey('auth-error')), findsNothing);
+      expect(
+        tester.testTextInput.log,
+        contains(
+          isMethodCall('TextInput.finishAutofillContext', arguments: true),
+        ),
+      );
       expect(tester.takeException(), isNull);
     },
   );
@@ -237,6 +267,14 @@ void main() {
     await tester.pumpAndSettle();
     expect(find.byKey(const ValueKey('confirmation')), findsOneWidget);
     expect(find.byKey(const ValueKey('preview-result')), findsNothing);
+    expect(
+      tester.testTextInput.log,
+      isNot(
+        contains(
+          isMethodCall('TextInput.finishAutofillContext', arguments: true),
+        ),
+      ),
+    );
     expect(tester.takeException(), isNull);
   });
 }

frontend/app/test/auth_test.dart

@@ -55,6 +55,12 @@ void main() {
       await submit(tester);
       expect(find.text('Enter your email address.'), findsOneWidget);
       expect(find.text('Enter your password.'), findsOneWidget);
+      expect(
+        tester.testTextInput.log.where(
+          (call) => call.method == 'TextInput.finishAutofillContext',
+        ),
+        isEmpty,
+      );
       await tester.enterText(
         find.byKey(const ValueKey('email')),
         'test@example.com',
@@ -79,6 +85,12 @@ void main() {
       await tester.testTextInput.receiveAction(TextInputAction.done);
       await tester.pumpAndSettle();
       expect(find.byKey(const ValueKey('preview-result')), findsOneWidget);
+      expect(
+        tester.testTextInput.log,
+        contains(
+          isMethodCall('TextInput.finishAutofillContext', arguments: true),
+        ),
+      );
       expect(tester.takeException(), isNull);
     },
   );
@@ -104,12 +116,26 @@ void main() {
       );
       await submit(tester);
       expect(find.text('Passwords do not match.'), findsOneWidget);
+      expect(
+        tester.testTextInput.log,
+        isNot(
+          contains(
+            isMethodCall('TextInput.finishAutofillContext', arguments: true),
+          ),
+        ),
+      );
       await tester.enterText(
         find.byKey(const ValueKey('confirmation')),
         'example-password',
       );
       await submit(tester);
       expect(find.byKey(const ValueKey('verification-sent')), findsOneWidget);
+      expect(
+        tester.testTextInput.log,
+        contains(
+          isMethodCall('TextInput.finishAutofillContext', arguments: true),
+        ),
+      );
       await tester.ensureVisible(
         find.byKey(const ValueKey('demo-confirmation')),
       );
@@ -119,8 +145,8 @@ void main() {
         find.byKey(const ValueKey('verification-verified')),
         findsOneWidget,
       );
-      await tester.ensureVisible(find.text('Back to login'));
+      await tester.ensureVisible(find.text('Continue to login'));
-      await tester.tap(find.text('Back to login'));
+      await tester.tap(find.text('Continue to login'));
       await tester.pumpAndSettle();
       expect(find.byKey(const ValueKey('confirmation')), findsNothing);
       expect(find.text('example-password'), findsNothing);

frontend/app/test/autofill_test.dart

@@ -0,0 +1,149 @@
+import 'package:flutter/material.dart';
+import 'package:flutter/services.dart';
+
+import 'package:flutter_test/flutter_test.dart';
+
+import 'package:sxchnge_app/main.dart';
+import 'package:sxchnge_app/providers/locale.dart';
+
+Finder field(String key) => find.byKey(ValueKey(key));
+
+EditableTextState editor(WidgetTester tester, String key) =>
+    tester.state<EditableTextState>(
+      find.descendant(of: field(key), matching: find.byType(EditableText)),
+    );
+
+void main() {
+  for (final language in ['en', 'ru']) {
+    testWidgets(
+      'platform autofill fills the signup credential group ($language)',
+      (tester) async {
+        tester.view.physicalSize = const Size(1440, 1200);
+        tester.view.devicePixelRatio = 1;
+        addTearDown(tester.view.resetPhysicalSize);
+        addTearDown(tester.view.resetDevicePixelRatio);
+        await tester.pumpWidget(
+          SxchngeApp(
+            localeProvider: LocaleProvider(initialLocale: Locale(language)),
+          ),
+        );
+        await tester.pumpAndSettle();
+        await tester.tap(
+          find.text(language == 'ru' ? 'Регистрация' : 'Sign up'),
+        );
+        await tester.pumpAndSettle();
+        await tester.showKeyboard(field('email'));
+
+        final configuration = tester.testTextInput.setClientArgs!;
+        expect(
+          configuration['inputType']['name'],
+          'TextInputType.emailAddress',
+        );
+        final fields = (configuration['fields'] as List).cast<Map>();
+        expect(fields, hasLength(4));
+        expect(
+          fields.map((field) => field['autofill']['hints'].first),
+          containsAll(['name', 'username', 'newPassword', 'newPassword']),
+        );
+
+        const values = {
+          'name': 'Alex Example',
+          'email': 'alex@example.com',
+          'password': 'generated-example-password',
+          'confirmation': 'generated-example-password',
+        };
+        await tester.binding.defaultBinaryMessenger.handlePlatformMessage(
+          SystemChannels.textInput.name,
+          SystemChannels.textInput.codec.encodeMethodCall(
+            MethodCall('TextInputClient.updateEditingStateWithTag', [
+              0,
+              {
+                for (final entry in values.entries)
+                  editor(tester, entry.key).autofillId: TextEditingValue(
+                    text: entry.value,
+                  ).toJSON(),
+              },
+            ]),
+          ),
+          (_) {},
+        );
+        await tester.pumpAndSettle();
+        for (final entry in values.entries) {
+          expect(
+            editor(tester, entry.key).currentTextEditingValue.text,
+            entry.value,
+          );
+        }
+
+        // A visibility change must retain both the supplied value and its role.
+        await tester.tap(
+          find.byTooltip(
+            language == 'ru' ? 'Показать пароль' : 'Show password',
+          ),
+        );
+        await tester.pump();
+        expect(editor(tester, 'password').widget.obscureText, isFalse);
+        expect(editor(tester, 'password').widget.autofillHints, [
+          'newPassword',
+        ]);
+        expect(
+          editor(tester, 'password').currentTextEditingValue.text,
+          values['password'],
+        );
+
+        await tester.tap(find.text(language == 'ru' ? 'Войти' : 'Log in'));
+        await tester.pumpAndSettle();
+        await tester.showKeyboard(field('email'));
+        final loginFields =
+            (tester.testTextInput.setClientArgs!['fields'] as List).cast<Map>();
+        expect(loginFields, hasLength(2));
+        expect(loginFields.map((field) => field['autofill']['hints'].first), [
+          'username',
+          'password',
+        ]);
+        expect(
+          editor(tester, 'password').currentTextEditingValue.text,
+          isEmpty,
+        );
+        expect(
+          tester.testTextInput.log,
+          contains(
+            isMethodCall('TextInput.finishAutofillContext', arguments: false),
+          ),
+        );
+        expect(
+          tester.testTextInput.log,
+          isNot(
+            contains(
+              isMethodCall('TextInput.finishAutofillContext', arguments: true),
+            ),
+          ),
+        );
+      },
+    );
+  }
+
+  testWidgets('leaving an unfinished auth form cancels saving', (tester) async {
+    await tester.pumpWidget(const SxchngeApp());
+    await tester.pumpAndSettle();
+    await tester.enterText(field('email'), 'alex@example.com');
+    await tester.enterText(field('password'), 'unfinished-password');
+    tester.testTextInput.log.clear();
+    await tester.pumpWidget(const SizedBox.shrink());
+    await tester.pumpAndSettle();
+    expect(
+      tester.testTextInput.log,
+      contains(
+        isMethodCall('TextInput.finishAutofillContext', arguments: false),
+      ),
+    );
+    expect(
+      tester.testTextInput.log,
+      isNot(
+        contains(
+          isMethodCall('TextInput.finishAutofillContext', arguments: true),
+        ),
+      ),
+    );
+  });
+}

frontend/app/test/birth_test.dart

@@ -0,0 +1,236 @@
+import 'package:flutter/material.dart';
+import 'package:flutter/services.dart';
+
+import 'package:flutter_test/flutter_test.dart';
+
+import 'package:sxchnge_theme/sxchnge_theme.dart';
+
+import 'package:sxchnge_app/kyc/birth.dart';
+
+import 'package:sxchnge_app/generated/i18n/app_localizations.dart';
+
+void main() {
+  final day = find.byKey(const ValueKey('birth-day'));
+  final year = find.byKey(const ValueKey('birth-year'));
+  final month = find.byType(DropdownButtonFormField<int>);
+
+  Future<void> mount(
+    WidgetTester t,
+    ValueNotifier<String> value, {
+    Locale locale = const Locale('en'),
+    bool enabled = true,
+  }) async {
+    await t.pumpWidget(
+      MaterialApp(
+        theme: SxchngeTheme.light(),
+        locale: locale,
+        localizationsDelegates: AppLocalizations.localizationsDelegates,
+        supportedLocales: AppLocalizations.supportedLocales,
+        home: Scaffold(
+          body: SingleChildScrollView(
+            padding: const EdgeInsets.all(24),
+            child: ValueListenableBuilder<String>(
+              valueListenable: value,
+              builder: (_, date, _) => BirthField(
+                value: date,
+                enabled: enabled,
+                onChanged: (date) => value.value = date,
+              ),
+            ),
+          ),
+        ),
+      ),
+    );
+    await t.pumpAndSettle();
+  }
+
+  Future<void> select(WidgetTester t, String name) async {
+    await t.ensureVisible(month);
+    await t.tap(month);
+    await t.pumpAndSettle();
+    await t.tap(find.text(name).last);
+    await t.pumpAndSettle();
+  }
+
+  testWidgets('enters and corrects a birthday without ISO syntax', (t) async {
+    final value = ValueNotifier('');
+    addTearDown(value.dispose);
+    await mount(t, value);
+    expect(find.text('Date of birth'), findsOneWidget);
+    await t.enterText(day, '23');
+    await select(t, 'April');
+    expect(value.value, '');
+    await t.enterText(year, '1990');
+    await t.pumpAndSettle();
+    expect(value.value, '1990-04-23');
+    await t.enterText(day, '9');
+    await t.pumpAndSettle();
+    expect(value.value, '1990-04-09');
+    await t.enterText(year, '19');
+    await t.pumpAndSettle();
+    expect(value.value, '');
+    // A provider rebuild must retain the other components of an incomplete date.
+    expect(t.widget<TextFormField>(day).controller!.text, '9');
+    expect(find.text('April'), findsOneWidget);
+    await t.enterText(year, '1985');
+    await t.pumpAndSettle();
+    expect(value.value, '1985-04-09');
+  });
+
+  testWidgets('leap dates, impossible days and future dates recover inline', (
+    t,
+  ) async {
+    final value = ValueNotifier('2000-02-29');
+    addTearDown(value.dispose);
+    await mount(t, value);
+    expect(find.text('February'), findsOneWidget);
+    await t.enterText(year, '2001');
+    await t.pumpAndSettle();
+    expect(value.value, '');
+    expect(find.text('Enter a valid date of birth.'), findsOneWidget);
+    expect(t.widget<TextFormField>(day).controller!.text, '29');
+    await t.enterText(year, '2004');
+    await t.pumpAndSettle();
+    expect(value.value, '2004-02-29');
+    expect(find.text('Enter a valid date of birth.'), findsNothing);
+    await t.enterText(day, '31');
+    await select(t, 'April');
+    expect(value.value, '');
+    expect(find.text('Enter a valid date of birth.'), findsOneWidget);
+    await t.enterText(day, '30');
+    await t.enterText(year, '${DateTime.now().year + 1}');
+    await t.pumpAndSettle();
+    expect(value.value, '');
+    expect(find.text('Date of birth cannot be in the future.'), findsOneWidget);
+    await t.enterText(year, '1990');
+    await t.pumpAndSettle();
+    expect(value.value, '1990-04-30');
+    await t.enterText(day, '0');
+    await t.pumpAndSettle();
+    expect(value.value, '');
+    expect(find.text('Enter a valid date of birth.'), findsOneWidget);
+    await t.enterText(day, '1');
+    await t.enterText(year, '0000');
+    await t.pumpAndSettle();
+    expect(value.value, '');
+    expect(find.text('Enter a valid date of birth.'), findsOneWidget);
+  });
+
+  testWidgets(
+    'prefill, external replacement, locale change and clear synchronize',
+    (t) async {
+      final value = ValueNotifier('1990-04-23');
+      addTearDown(value.dispose);
+      await mount(t, value);
+      expect(t.widget<TextFormField>(year).controller!.text, '1990');
+      value.value = '1985-12-09';
+      await t.pumpAndSettle();
+      expect(t.widget<TextFormField>(day).controller!.text, '09');
+      expect(t.widget<TextFormField>(year).controller!.text, '1985');
+      expect(find.text('December'), findsOneWidget);
+      await mount(t, value, locale: const Locale('ru'));
+      expect(find.text('Дата рождения'), findsOneWidget);
+      expect(find.text('декабрь'), findsOneWidget);
+      expect(value.value, '1985-12-09');
+      await select(t, 'апрель');
+      expect(value.value, '1985-04-09');
+      value.value = '';
+      await t.pumpAndSettle();
+      expect(t.widget<TextFormField>(day).controller!.text, '');
+      expect(t.widget<TextFormField>(year).controller!.text, '');
+      expect(find.text('апрель'), findsNothing);
+    },
+  );
+
+  testWidgets('digits and length limits keep each component usable', (t) async {
+    final value = ValueNotifier('1990-04-23');
+    addTearDown(value.dispose);
+    await mount(t, value);
+    await t.enterText(day, '');
+    await t.enterText(day, 'a123');
+    await t.enterText(year, '');
+    await t.enterText(year, 'b19856');
+    await t.pumpAndSettle();
+    expect(t.widget<TextFormField>(day).controller!.text, '12');
+    expect(t.widget<TextFormField>(year).controller!.text, '1985');
+    expect(value.value, '1985-04-12');
+  });
+
+  testWidgets('busy state disables every birthday control', (t) async {
+    final value = ValueNotifier('1990-04-23');
+    addTearDown(value.dispose);
+    await mount(t, value, enabled: false);
+    expect(t.widget<TextFormField>(day).enabled, isFalse);
+    expect(t.widget<TextFormField>(year).enabled, isFalse);
+    expect(t.widget<DropdownButtonFormField<int>>(month).onChanged, isNull);
+    expect(value.value, '1990-04-23');
+  });
+
+  testWidgets('keyboard can traverse, choose month, cancel and edit year', (
+    t,
+  ) async {
+    final value = ValueNotifier('1990-04-23');
+    addTearDown(value.dispose);
+    await mount(t, value);
+    await t.sendKeyEvent(LogicalKeyboardKey.tab);
+    await t.pump();
+    expect(
+      t
+          .widget<EditableText>(
+            find.descendant(of: day, matching: find.byType(EditableText)),
+          )
+          .focusNode
+          .hasFocus,
+      isTrue,
+    );
+    await t.sendKeyEvent(LogicalKeyboardKey.tab);
+    await t.sendKeyEvent(LogicalKeyboardKey.enter);
+    await t.pumpAndSettle();
+    await t.sendKeyEvent(LogicalKeyboardKey.arrowDown);
+    await t.sendKeyEvent(LogicalKeyboardKey.enter);
+    await t.pumpAndSettle();
+    expect(value.value, '1990-05-23');
+    await t.sendKeyEvent(LogicalKeyboardKey.enter);
+    await t.pumpAndSettle();
+    await t.sendKeyEvent(LogicalKeyboardKey.escape);
+    await t.pumpAndSettle();
+    expect(value.value, '1990-05-23');
+    await t.sendKeyEvent(LogicalKeyboardKey.tab);
+    await t.pump();
+    expect(
+      t
+          .widget<EditableText>(
+            find.descendant(of: year, matching: find.byType(EditableText)),
+          )
+          .focusNode
+          .hasFocus,
+      isTrue,
+    );
+  });
+
+  testWidgets(
+    'Russian controls and errors fit 320px with large text and labeled targets',
+    (t) async {
+      t.view.physicalSize = const Size(320, 900);
+      t.view.devicePixelRatio = 1;
+      t.platformDispatcher.textScaleFactorTestValue = 1.6;
+      addTearDown(t.view.resetPhysicalSize);
+      addTearDown(t.view.resetDevicePixelRatio);
+      addTearDown(t.platformDispatcher.clearTextScaleFactorTestValue);
+      final semantics = t.ensureSemantics();
+      final value = ValueNotifier('1990-09-23');
+      addTearDown(value.dispose);
+      await mount(t, value, locale: const Locale('ru'));
+      expect(find.text('сентябрь'), findsOneWidget);
+      expect(t, meetsGuideline(labeledTapTargetGuideline));
+      expect(t, meetsGuideline(androidTapTargetGuideline));
+      await t.enterText(day, '31');
+      await t.pumpAndSettle();
+      expect(find.text('Укажите корректную дату рождения.'), findsOneWidget);
+      await select(t, 'март');
+      expect(value.value, '1990-03-31');
+      expect(t.takeException(), isNull);
+      semantics.dispose();
+    },
+  );
+}

frontend/app/test/country_test.dart

@@ -0,0 +1,176 @@
+import 'package:flutter/material.dart';
+import 'package:flutter/services.dart';
+
+import 'package:country_picker/country_picker.dart';
+
+import 'package:flutter_test/flutter_test.dart';
+
+import 'package:sxchnge_theme/sxchnge_theme.dart';
+
+import 'package:sxchnge_app/kyc/country.dart';
+
+import 'package:sxchnge_app/generated/i18n/app_localizations.dart';
+
+void main() {
+  final search = find.byKey(const ValueKey('country-search'));
+  final button = find.byType(OutlinedButton);
+
+  Future<void> mount(
+    WidgetTester tester,
+    ValueNotifier<String> value, {
+    Locale locale = const Locale('en'),
+    bool enabled = true,
+  }) async {
+    await tester.pumpWidget(
+      MaterialApp(
+        theme: SxchngeTheme.light(),
+        locale: locale,
+        localizationsDelegates: const [
+          ...AppLocalizations.localizationsDelegates,
+          CountryLocalizations.delegate,
+        ],
+        supportedLocales: AppLocalizations.supportedLocales,
+        home: Scaffold(
+          body: Padding(
+            padding: const EdgeInsets.all(24),
+            child: ValueListenableBuilder<String>(
+              valueListenable: value,
+              builder: (_, code, _) => CountryField(
+                value: code,
+                enabled: enabled,
+                onChanged: (code) => value.value = code,
+              ),
+            ),
+          ),
+        ),
+      ),
+    );
+    await tester.pumpAndSettle();
+  }
+
+  Future<void> open(WidgetTester tester) async {
+    await tester.tap(button);
+    await tester.pumpAndSettle();
+  }
+
+  testWidgets(
+    'name search stores code, reselection and cancel preserve value',
+    (tester) async {
+      final value = ValueNotifier('');
+      addTearDown(value.dispose);
+      await mount(tester, value);
+      expect(find.text('Select a country'), findsOneWidget);
+      await open(tester);
+      await tester.enterText(search, 'polAND');
+      await tester.pumpAndSettle();
+      await tester.tap(find.text('Poland'));
+      await tester.pumpAndSettle();
+      expect(value.value, 'PL');
+      expect(find.text('Poland'), findsOneWidget);
+      expect(find.text('0/2'), findsNothing);
+
+      await open(tester);
+      await tester.enterText(search, '  de  ');
+      await tester.pumpAndSettle();
+      await tester.tap(find.text('Germany'));
+      await tester.pumpAndSettle();
+      expect(value.value, 'DE');
+      expect(find.text('Germany'), findsOneWidget);
+
+      await open(tester);
+      await tester.enterText(search, 'poland');
+      await tester.pumpAndSettle();
+      await tester.tap(find.byType(BackButton));
+      await tester.pumpAndSettle();
+      expect(value.value, 'DE');
+      expect(find.text('Germany'), findsOneWidget);
+    },
+  );
+
+  testWidgets('no-results state recovers through clear and Escape cancels', (
+    tester,
+  ) async {
+    final value = ValueNotifier('PL');
+    addTearDown(value.dispose);
+    await mount(tester, value);
+    await open(tester);
+    await tester.enterText(search, 'no-such-country');
+    await tester.pumpAndSettle();
+    expect(find.textContaining('No countries found'), findsOneWidget);
+    expect(find.byType(ListTile), findsNothing);
+    expect(value.value, 'PL');
+    await tester.tap(find.byTooltip('Clear search'));
+    await tester.pumpAndSettle();
+    expect(find.textContaining('No countries found'), findsNothing);
+    expect(find.byType(ListTile), findsWidgets);
+    await tester.sendKeyEvent(LogicalKeyboardKey.escape);
+    await tester.pumpAndSettle();
+    expect(search, findsNothing);
+    expect(value.value, 'PL');
+  });
+
+  testWidgets('saved code follows locale and Russian names are searchable', (
+    tester,
+  ) async {
+    final value = ValueNotifier('PL');
+    addTearDown(value.dispose);
+    await mount(tester, value);
+    expect(find.text('Poland'), findsOneWidget);
+    await mount(tester, value, locale: const Locale('ru'));
+    expect(find.text('Польша'), findsOneWidget);
+    expect(value.value, 'PL');
+    await open(tester);
+    await tester.enterText(search, 'Германия');
+    await tester.pumpAndSettle();
+    await tester.tap(find.byType(ListTile));
+    await tester.pumpAndSettle();
+    expect(value.value, 'DE');
+    expect(find.text('Германия'), findsOneWidget);
+  });
+
+  testWidgets('busy field cannot open or change selection', (tester) async {
+    final value = ValueNotifier('PL');
+    addTearDown(value.dispose);
+    await mount(tester, value, enabled: false);
+    expect(tester.widget<OutlinedButton>(button).onPressed, isNull);
+    await tester.tap(button);
+    await tester.pumpAndSettle();
+    expect(search, findsNothing);
+    expect(value.value, 'PL');
+  });
+
+  testWidgets(
+    'keyboard and labeled touch targets work at 320px with large text',
+    (tester) async {
+      tester.view.physicalSize = const Size(320, 900);
+      tester.view.devicePixelRatio = 1;
+      tester.platformDispatcher.textScaleFactorTestValue = 1.6;
+      addTearDown(tester.view.resetPhysicalSize);
+      addTearDown(tester.view.resetDevicePixelRatio);
+      addTearDown(tester.platformDispatcher.clearTextScaleFactorTestValue);
+      final semantics = tester.ensureSemantics();
+      final value = ValueNotifier('GS');
+      addTearDown(value.dispose);
+      await mount(tester, value);
+      expect(tester, meetsGuideline(labeledTapTargetGuideline));
+      expect(tester, meetsGuideline(androidTapTargetGuideline));
+      await tester.sendKeyEvent(LogicalKeyboardKey.tab);
+      await tester.sendKeyEvent(LogicalKeyboardKey.enter);
+      await tester.pumpAndSettle();
+      expect(search, findsOneWidget);
+      await tester.enterText(search, 'GS');
+      await tester.pumpAndSettle();
+      expect(tester.widget<ListTile>(find.byType(ListTile)).selected, isTrue);
+      expect(tester, meetsGuideline(labeledTapTargetGuideline));
+      expect(tester, meetsGuideline(androidTapTargetGuideline));
+      await tester.sendKeyEvent(LogicalKeyboardKey.tab);
+      await tester.sendKeyEvent(LogicalKeyboardKey.tab);
+      await tester.sendKeyEvent(LogicalKeyboardKey.enter);
+      await tester.pumpAndSettle();
+      expect(search, findsNothing);
+      expect(value.value, 'GS');
+      expect(tester.takeException(), isNull);
+      semantics.dispose();
+    },
+  );
+}

frontend/app/test/destination_helpers.dart

@@ -0,0 +1,31 @@
+import 'package:flutter/material.dart';
+
+import 'package:flutter_test/flutter_test.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+const testDestination = CryptoDestination(
+  assetId: 'demo:ethereum:native',
+  networkId: 'eip155:1',
+  address: '0x1234567890123456789012345678901234567890',
+  assetLabel: 'ETH',
+  networkLabel: 'Ethereum',
+);
+Future<void> seedDestination(DummyDestinationService service) async {
+  await service.create(
+    testDestination,
+    'Test wallet',
+    'test-destination-creation',
+  );
+}
+
+Future<void> selectPayout(WidgetTester t) async {
+  final button = find.byKey(const ValueKey('choose-payout-destination'));
+  await t.ensureVisible(button);
+  await t.tap(button);
+  await t.pumpAndSettle();
+  final row = find.text('Test wallet');
+  await t.ensureVisible(row);
+  await t.tap(row);
+  await t.pumpAndSettle();
+}

frontend/app/test/destinations_test.dart

@@ -0,0 +1,245 @@
+import 'package:flutter/material.dart';
+
+import 'package:flutter_test/flutter_test.dart';
+
+import 'package:sxchnge_analytics/sxchnge_analytics.dart';
+
+import 'package:sxchnge_kyc/sxchnge_kyc.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
+import 'package:sxchnge_app/main.dart';
+import 'package:sxchnge_app/providers/locale.dart';
+
+import 'destination_helpers.dart';
+
+Future<void> click(WidgetTester t, Finder finder) async {
+  await t.ensureVisible(finder);
+  await t.pumpAndSettle();
+  await t.tap(finder);
+  await t.pumpAndSettle();
+}
+
+Future<DummyWalletService> open(
+  WidgetTester t, {
+  String path = '/settings/payout-methods',
+  String locale = 'en',
+  DummyDestinationService? destinations,
+  DummyAnalyticsService? analytics,
+}) async {
+  t.platformDispatcher.defaultRouteNameTestValue = path;
+  addTearDown(t.platformDispatcher.clearDefaultRouteNameTestValue);
+  final wallet = DummyWalletService(
+    DummyIdentityService(delay: Duration.zero),
+    delay: Duration.zero,
+    destinations: destinations,
+    initialLocale: locale,
+    settlement: Duration.zero,
+  );
+  await t.pumpWidget(
+    SxchngeApp(
+      walletService: wallet,
+      analyticsService: analytics,
+      localeProvider: LocaleProvider(initialLocale: Locale(locale)),
+    ),
+  );
+  await t.pumpAndSettle();
+  addTearDown(() => t.pumpWidget(const SizedBox.shrink()));
+  return wallet;
+}
+
+Future<void> cryptoForm(WidgetTester t, {bool payout = false}) async {
+  await click(
+    t,
+    find.text(payout ? 'Use a new destination' : 'Add payout method').first,
+  );
+  await click(t, find.byType(DropdownButtonFormField<DestinationType>));
+  await click(t, find.text('Crypto address').last);
+  await click(t, find.byKey(const ValueKey('asset-null')));
+  await click(t, find.text('ETH').last);
+  await click(t, find.byType(DropdownButtonFormField<String>).last);
+  await click(t, find.text('Ethereum').last);
+  await t.enterText(
+    find.byKey(const ValueKey('destination-address')),
+    testDestination.address,
+  );
+  await t.pump();
+}
+
+void main() {
+  testWidgets('Settings saves without nickname and exposes renamed method', (
+    t,
+  ) async {
+    final wallet = await open(t);
+    await cryptoForm(t);
+    expect(find.text('Save for future payouts'), findsNothing);
+    await click(t, find.byKey(const ValueKey('destination-continue')));
+    expect((await wallet.destinations.list()).length, 1);
+    expect(find.textContaining('ETH · Ethereum'), findsOneWidget);
+    await click(t, find.textContaining('ETH · Ethereum'));
+    await t.enterText(
+      find.byKey(const ValueKey('destination-nickname')),
+      'My own wallet',
+    );
+    await click(t, find.text('Rename'));
+    expect((await wallet.destinations.list()).single.nickname, 'My own wallet');
+    await click(t, find.text('Remove'));
+    expect(find.textContaining('Submitted payouts'), findsOneWidget);
+    await click(t, find.widgetWithText(FilledButton, 'Remove'));
+    expect(await wallet.destinations.list(), isEmpty);
+    expect(t.takeException(), isNull);
+  });
+  testWidgets('new one-time payout keeps saving unchecked and never persists', (
+    t,
+  ) async {
+    final wallet = await open(t, path: '/payout');
+    await t.enterText(find.byKey(const ValueKey('transfer-amount')), '5');
+    await click(t, find.byKey(const ValueKey('choose-payout-destination')));
+    await cryptoForm(t, payout: true);
+    expect(
+      t.widget<CheckboxListTile>(find.byType(CheckboxListTile)).value,
+      isFalse,
+    );
+    expect(find.byKey(const ValueKey('destination-nickname')), findsNothing);
+    await click(t, find.byKey(const ValueKey('destination-continue')));
+    await click(t, find.byKey(const ValueKey('transfer-review')));
+    expect(find.textContaining(testDestination.address), findsOneWidget);
+    await click(t, find.byKey(const ValueKey('transfer-confirm')));
+    expect(find.byKey(const ValueKey('operation-completed')), findsOneWidget);
+    expect(await wallet.destinations.list(), isEmpty);
+  });
+  testWidgets(
+    'optional saving failure permits explicit one-time continuation',
+    (t) async {
+      final service = DummyDestinationService();
+      final wallet = await open(t, path: '/payout', destinations: service);
+      await t.enterText(find.byKey(const ValueKey('transfer-amount')), '5');
+      await click(t, find.byKey(const ValueKey('choose-payout-destination')));
+      await cryptoForm(t, payout: true);
+      await click(t, find.text('Save for future payouts'));
+      service.nextSaveError = DestinationIssue.conflict;
+      await click(t, find.byKey(const ValueKey('destination-continue')));
+      expect(find.textContaining('Couldn’t save'), findsOneWidget);
+      await click(t, find.text('Continue without saving'));
+      await click(t, find.byKey(const ValueKey('transfer-review')));
+      await click(t, find.byKey(const ValueKey('transfer-confirm')));
+      expect(find.byKey(const ValueKey('operation-completed')), findsOneWidget);
+      expect(await wallet.destinations.list(), isEmpty);
+    },
+  );
+  testWidgets(
+    'saved destination is never selected automatically and removal preserves amount',
+    (t) async {
+      final service = DummyDestinationService();
+      await seedDestination(service);
+      final wallet = await open(t, path: '/payout', destinations: service);
+      await t.enterText(find.byKey(const ValueKey('transfer-amount')), '5');
+      expect(
+        t
+            .widget<FilledButton>(find.byKey(const ValueKey('transfer-review')))
+            .onPressed,
+        isNull,
+      );
+      await selectPayout(t);
+      await click(t, find.byKey(const ValueKey('transfer-review')));
+      final d = (await service.list()).single;
+      await service.remove(d.id, d.metadataRevision, d.executionRevision);
+      await click(t, find.byKey(const ValueKey('transfer-confirm')));
+      expect(find.textContaining('Payout terms changed'), findsOneWidget);
+      expect(find.text('5'), findsOneWidget);
+      expect((await t.runAsync(wallet.fetch))!.operations, isEmpty);
+    },
+  );
+  for (final locale in ['en', 'ru']) {
+    testWidgets('all method forms fit $locale at 320px with large text', (
+      t,
+    ) async {
+      t.view.physicalSize = const Size(320, 1100);
+      t.view.devicePixelRatio = 1;
+      t.platformDispatcher.textScaleFactorTestValue = 1.6;
+      addTearDown(t.view.resetPhysicalSize);
+      addTearDown(t.view.resetDevicePixelRatio);
+      addTearDown(t.platformDispatcher.clearTextScaleFactorTestValue);
+      await open(t, locale: locale);
+      await click(
+        t,
+        find
+            .text(
+              locale == 'en' ? 'Add payout method' : 'Добавить способ вывода',
+            )
+            .first,
+      );
+      for (final name
+          in locale == 'en'
+              ? ['Crypto address', 'Bank card', 'Russian bank account']
+              : [
+                  'Криптоадрес',
+                  'Банковская карта',
+                  'Российский банковский счёт',
+                ]) {
+        await click(t, find.byType(DropdownButtonFormField<DestinationType>));
+        await click(t, find.text(name).last);
+        expect(t.takeException(), isNull);
+      }
+    });
+  }
+  testWidgets('semantic save outcomes contain no destination fields', (
+    t,
+  ) async {
+    final analytics = DummyAnalyticsService();
+    await open(t, analytics: analytics);
+    await cryptoForm(t);
+    await click(t, find.byKey(const ValueKey('destination-continue')));
+    await t.pumpAndSettle();
+    final events = analytics.events
+        .where((e) => e.kind == JourneyKind.destination)
+        .toList();
+    expect(
+      events.any(
+        (e) =>
+            e.step == JourneyStep.destinationSave &&
+            e.signal == JourneySignal.simulated,
+      ),
+      isTrue,
+    );
+    expect(
+      events.map((e) => e.properties.toString()).join(),
+      isNot(contains(testDestination.address)),
+    );
+  });
+
+  testWidgets(
+    'binding recovery uses secure capture and preserves the saved card',
+    (t) async {
+      final service = DummyDestinationService();
+      final created = await service.create(
+        const CardDestination(
+          capture: 'demo-card-recover',
+          brand: '',
+          last4: '',
+          expiryMonth: 0,
+          expiryYear: 0,
+        ),
+        'Own card',
+        'creation-key-000001',
+      );
+      await open(t, destinations: service);
+      await click(t, find.text('Own card'));
+      await click(t, find.text('Update authorization'));
+      expect(find.byKey(const ValueKey('destination-nickname')), findsNothing);
+      await click(t, find.text('Demo card •••• 4242'));
+      await click(t, find.byKey(const ValueKey('destination-continue')));
+      final saved = await service.get(created.destinationId);
+      expect(saved.executionRevision, 2);
+      expect(saved.nickname, 'Own card');
+      expect((await service.list()).length, 1);
+      expect(
+        (await service.assess(
+          saved.input,
+          const PayoutContext('eur'),
+        )).eligible,
+        isTrue,
+      );
+    },
+  );
+}

frontend/app/test/kyc_test.dart

@@ -11,6 +11,8 @@ import 'package:sxchnge_analytics/sxchnge_analytics.dart';
 
 import 'package:sxchnge_kyc/sxchnge_kyc.dart';
 
+import 'package:sxchnge_app/kyc/birth.dart';
+import 'package:sxchnge_app/kyc/country.dart';
 import 'package:sxchnge_app/main.dart';
 import 'package:sxchnge_app/providers/locale.dart';
 
@@ -65,12 +67,35 @@ void main() {
     return service;
   }
 
-  Future<void> submit(WidgetTester t) async {
+  Future<void> profile(WidgetTester t) async {
     await tap(t, find.byKey(const ValueKey('kyc-start')));
     await t.enterText(find.byKey(const ValueKey('kyc-name')), 'Example Person');
-    await t.enterText(find.byKey(const ValueKey('kyc-birth')), '1990-04-23');
+    await t.enterText(find.byKey(const ValueKey('birth-day')), '23');
-    await t.enterText(find.byKey(const ValueKey('kyc-country')), 'PL');
+    await tap(t, find.byType(DropdownButtonFormField<int>));
+    // The month label follows the selected app locale.
+    await tap(t, find.textContaining(RegExp(r'^(April|апрель)$')).last);
+    await t.enterText(find.byKey(const ValueKey('birth-year')), '1990');
     await t.pumpAndSettle();
+    expect(t.widget<BirthField>(find.byType(BirthField)).value, '1990-04-23');
+    await tap(
+      t,
+      find.descendant(
+        of: find.byKey(const ValueKey('kyc-country')),
+        matching: find.byType(OutlinedButton),
+      ),
+    );
+    await t.enterText(find.byKey(const ValueKey('country-search')), 'PL');
+    await t.pumpAndSettle();
+    await tap(t, find.byType(ListTile));
+    expect(
+      t.widget<CountryField>(find.byKey(const ValueKey('kyc-country'))).value,
+      'PL',
+    );
+    await t.pumpAndSettle();
+  }
+
+  Future<void> submit(WidgetTester t) async {
+    await profile(t);
     await tap(t, find.byKey(const ValueKey('pick-passport')));
     await tap(t, find.byKey(const ValueKey('kyc-next')));
     await tap(t, find.byKey(const ValueKey('pick-selfie')));
@@ -79,6 +104,41 @@ void main() {
     await tap(t, find.byKey(const ValueKey('kyc-submit')));
   }
 
+  testWidgets(
+    'invalid birthday blocks advancing and valid birthday survives Back',
+    (t) async {
+      await open(t);
+      await profile(t);
+      await tap(t, find.byKey(const ValueKey('pick-passport')));
+      final next = find.byKey(const ValueKey('kyc-next'));
+      await t.enterText(find.byKey(const ValueKey('birth-day')), '31');
+      await t.pumpAndSettle();
+      expect(t.widget<FilledButton>(next).onPressed, isNull);
+      expect(find.text('Enter a valid date of birth.'), findsOneWidget);
+      await t.enterText(find.byKey(const ValueKey('birth-day')), '23');
+      await t.pumpAndSettle();
+      expect(t.widget<FilledButton>(next).onPressed, isNotNull);
+      await tap(t, next);
+      await tap(t, find.text('Back'));
+      expect(t.widget<BirthField>(find.byType(BirthField)).value, '1990-04-23');
+      expect(
+        t
+            .widget<TextFormField>(find.byKey(const ValueKey('birth-day')))
+            .controller!
+            .text,
+        '23',
+      );
+      expect(find.text('April'), findsOneWidget);
+      expect(
+        t
+            .widget<TextFormField>(find.byKey(const ValueKey('birth-year')))
+            .controller!
+            .text,
+        '1990',
+      );
+    },
+  );
+
   testWidgets('two photos, review, pending and approval with service limits', (
     t,
   ) async {

frontend/app/test/payout_backend_test.dart

@@ -76,6 +76,14 @@ void main() {
         await t.ensureVisible(review);
         if (hasMethod) {
           expect(find.text(destinationLabel), findsOneWidget);
+          final choose = find.byKey(
+            const ValueKey('choose-configured-destination'),
+          );
+          expect(t.widget<FilledButton>(review).onPressed, isNull);
+          await t.ensureVisible(choose);
+          await t.tap(choose);
+          await t.pumpAndSettle();
+          await t.ensureVisible(review);
           await t.tap(review);
           await t.pumpAndSettle();
           expect(wallet.received, 'method-ref');

frontend/app/test/preview_test.dart

@@ -0,0 +1,229 @@
+import 'dart:async';
+import 'dart:typed_data';
+
+import 'package:flutter/material.dart';
+
+import 'package:flutter_test/flutter_test.dart';
+
+import 'package:image/image.dart' as images;
+
+import 'package:sxchnge_kyc/sxchnge_kyc.dart';
+
+import 'package:sxchnge_app/kyc/photo.dart';
+import 'package:sxchnge_app/kyc/preview.dart';
+
+import 'package:sxchnge_app/generated/i18n/app_localizations.dart';
+
+Widget host(Widget child, {Locale locale = const Locale('en')}) => MaterialApp(
+  locale: locale,
+  localizationsDelegates: AppLocalizations.localizationsDelegates,
+  supportedLocales: AppLocalizations.supportedLocales,
+  home: Scaffold(body: SingleChildScrollView(child: child)),
+);
+
+// Start decoding outside FakeAsync as well as waiting outside it, including
+// browser codec callbacks that otherwise remain pending in the test zone.
+Future<void> show(WidgetTester tester, Widget widget) async {
+  await tester.runAsync(() => tester.pumpWidget(widget));
+}
+
+// pumpAndSettle alone does not wait for image codecs. Listen to the actual
+// preview streams so a hidden errorBuilder cannot make this regression pass.
+Future<void> decoded(WidgetTester tester, {bool succeeds = true}) async {
+  final providers = tester
+      .widgetList<Image>(find.byType(Image))
+      .map((image) => image.image)
+      .toList();
+  expect(providers, isNotEmpty);
+  for (final provider in providers) {
+    Object? renderError;
+    StackTrace? renderStack;
+    await tester.runAsync(() async {
+      final stream = provider.resolve(ImageConfiguration.empty);
+      final ready = Completer<void>();
+      final listener = ImageStreamListener(
+        (info, _) {
+          info.dispose();
+          if (!ready.isCompleted) ready.complete();
+        },
+        onError: (Object error, StackTrace? stack) {
+          renderError = error;
+          renderStack = stack;
+          if (!ready.isCompleted) ready.complete();
+        },
+      );
+      stream.addListener(listener);
+      try {
+        await ready.future.timeout(const Duration(seconds: 15));
+      } finally {
+        stream.removeListener(listener);
+      }
+    });
+    expect(
+      renderError,
+      succeeds ? isNull : isNotNull,
+      reason: succeeds ? '$renderError\n$renderStack' : null,
+    );
+  }
+  await tester.pumpAndSettle();
+  expect(tester.takeException(), isNull);
+}
+
+void main() {
+  late Uint8List png;
+  late Uint8List jpeg;
+  setUpAll(() {
+    // Synthetic, non-sensitive portrait and landscape photos in both formats.
+    png = images.encodePng(images.Image(width: 1200, height: 1600));
+    jpeg = images.encodeJpg(images.Image(width: 1600, height: 1200));
+  });
+
+  for (final format in ['PNG', 'JPEG']) {
+    testWidgets('accepted $format renders from an immutable photo model', (
+      tester,
+    ) async {
+      final source = Uint8List.fromList(format == 'PNG' ? png : jpeg);
+      final photo = (await tester.runAsync(
+        () => FilePhotoService.validate(source),
+      ))!;
+      final originalFirstByte = photo.bytes.first;
+      source[0] = 0;
+      expect(photo.bytes.first, originalFirstByte);
+      expect(() => photo.bytes[0] = 0, throwsUnsupportedError);
+      await show(
+        tester,
+        host(PhotoPreview(photo: photo, label: 'ID document photo')),
+      );
+      await decoded(tester);
+      final raw = tester.widget<RawImage>(find.byType(RawImage));
+      expect(raw.image, isNotNull);
+      expect(raw.image!.width, lessThanOrEqualTo(1000));
+      expect(
+        tester.widget<Image>(find.byType(Image)).semanticLabel,
+        'ID document photo',
+      );
+      expect(find.textContaining('damaged'), findsNothing);
+      expect(find.textContaining('could not be displayed'), findsNothing);
+    });
+  }
+
+  testWidgets('replacement and removal evict sensitive preview cache entries', (
+    tester,
+  ) async {
+    final first = Photo(png);
+    await show(tester, host(PhotoPreview(photo: first, label: 'ID')));
+    await decoded(tester);
+    final initialProvider = tester.widget<Image>(find.byType(Image)).image;
+    final initialKey = await initialProvider.obtainKey(
+      ImageConfiguration.empty,
+    );
+    final cache = PaintingBinding.instance.imageCache;
+    expect(cache.statusForKey(initialKey).keepAlive, isTrue);
+    await show(tester, host(PhotoPreview(photo: first, label: 'Document')));
+    await decoded(tester);
+    expect(
+      identical(
+        tester.widget<Image>(find.byType(Image)).image,
+        initialProvider,
+      ),
+      isTrue,
+    );
+    await show(tester, host(PhotoPreview(photo: Photo(jpeg), label: 'ID')));
+    await decoded(tester);
+    expect(cache.statusForKey(initialKey).untracked, isTrue);
+    final replacement = tester.widget<Image>(find.byType(Image)).image;
+    final replacementKey = await replacement.obtainKey(
+      ImageConfiguration.empty,
+    );
+    expect(cache.statusForKey(replacementKey).keepAlive, isTrue);
+    expect(tester.widget<RawImage>(find.byType(RawImage)).image!.width, 1000);
+    await show(tester, host(const SizedBox()));
+    await tester.pumpAndSettle();
+    expect(cache.statusForKey(replacementKey).untracked, isTrue);
+  });
+
+  testWidgets('ID and selfie both render on review and after returning', (
+    tester,
+  ) async {
+    final passport = Photo(png);
+    final selfie = Photo(jpeg);
+    for (var visit = 0; visit < 2; visit++) {
+      await show(
+        tester,
+        host(
+          Column(
+            children: [
+              PhotoPanel(
+                kind: PhotoKind.passport,
+                photo: passport,
+                review: true,
+              ),
+              PhotoPanel(kind: PhotoKind.selfie, photo: selfie, review: true),
+            ],
+          ),
+        ),
+      );
+      await decoded(tester);
+      final previews = tester.widgetList<RawImage>(find.byType(RawImage));
+      expect(previews.length, 2);
+      expect(previews.every((image) => image.image != null), isTrue);
+      expect(find.text('Choose a different photo'), findsNothing);
+      await show(tester, host(const SizedBox()));
+      await tester.pumpAndSettle();
+    }
+  });
+
+  for (final locale in ['en', 'ru']) {
+    testWidgets(
+      '$locale preview failure explains recovery and can be replaced',
+      (tester) async {
+        tester.view.physicalSize = const Size(320, 900);
+        tester.view.devicePixelRatio = 1;
+        tester.platformDispatcher.textScaleFactorTestValue = 1.6;
+        addTearDown(tester.view.resetPhysicalSize);
+        addTearDown(tester.view.resetDevicePixelRatio);
+        addTearDown(tester.platformDispatcher.clearTextScaleFactorTestValue);
+        var replacements = 0;
+        var removals = 0;
+        await show(
+          tester,
+          host(
+            PhotoPanel(
+              kind: PhotoKind.passport,
+              photo: Photo(Uint8List.fromList([1, 2, 3])),
+              onPick: () => replacements++,
+              onRemove: () => removals++,
+            ),
+            locale: Locale(locale),
+          ),
+        );
+        await decoded(tester, succeeds: false);
+        final l = AppLocalizations.of(tester.element(find.byType(PhotoPanel)))!;
+        expect(find.text(l.kycErrorPreview), findsOneWidget);
+        expect(find.text(l.kycErrorUnreadable), findsNothing);
+        expect(
+          tester.getSemantics(find.text(l.kycErrorPreview)),
+          matchesSemantics(isLiveRegion: true, label: l.kycErrorPreview),
+        );
+        final replace = find.byKey(const ValueKey('pick-passport'));
+        await tester.ensureVisible(replace);
+        await tester.tap(replace);
+        final remove = find.text(l.kycRemove);
+        await tester.ensureVisible(remove);
+        await tester.tap(remove);
+        expect(replacements, 1);
+        expect(removals, 1);
+        await show(
+          tester,
+          host(
+            PhotoPanel(kind: PhotoKind.passport, photo: Photo(jpeg)),
+            locale: Locale(locale),
+          ),
+        );
+        await decoded(tester);
+        expect(find.text(l.kycErrorPreview), findsNothing);
+        expect(tester.widget<RawImage>(find.byType(RawImage)).image, isNotNull);
+      },
+    );
+  }
+}

frontend/app/test/routing_test.dart

@@ -42,6 +42,105 @@ Future<GoRouter> openRoute(
 }
 
 void main() {
+  testWidgets('queued signup receipt is transient and updates its recipient', (
+    tester,
+  ) async {
+    final router = await openRoute(tester, '/');
+    await tester.pumpAndSettle();
+    router.goNamed(
+      AppRoutes.verificationSent,
+      extra: const VerificationDelivery(
+        email: 'first@example.com',
+        isSimulated: false,
+      ),
+    );
+    await tester.pumpAndSettle();
+    expect(find.byKey(const ValueKey('verification-sent')), findsOneWidget);
+    expect(find.text('first@example.com'), findsOneWidget);
+    router.goNamed(
+      AppRoutes.verificationSent,
+      extra: const VerificationDelivery(
+        email: 'second@example.com',
+        isSimulated: false,
+      ),
+    );
+    await tester.pumpAndSettle();
+    expect(find.text('first@example.com'), findsNothing);
+    expect(find.text('second@example.com'), findsOneWidget);
+    final restored = router.routeInformationParser.restoreRouteInformation(
+      router.routerDelegate.currentConfiguration,
+    )!;
+    expect(restored.state.toString(), isNot(contains('second@example.com')));
+    expect(restored.uri.toString(), '/verification-sent');
+    router.goNamed(AppRoutes.login);
+    await tester.pumpAndSettle();
+    router.goNamed(AppRoutes.verificationSent);
+    await tester.pumpAndSettle();
+    expect(find.byKey(const ValueKey('verification-idle')), findsOneWidget);
+    expect(find.text('second@example.com'), findsNothing);
+  });
+
+  for (final language in ['en', 'ru']) {
+    testWidgets(
+      'verified link keeps success visible and prefills login ($language)',
+      (tester) async {
+        tester.platformDispatcher.defaultRouteNameTestValue =
+            '/verify-email?token=demo-valid';
+        addTearDown(tester.platformDispatcher.clearDefaultRouteNameTestValue);
+        await tester.pumpWidget(
+          SxchngeApp(
+            localeProvider: LocaleProvider(initialLocale: Locale(language)),
+            verificationService: const DummyVerificationService(
+              delay: Duration.zero,
+              verifiedEmail: 'private-alias@example.com',
+            ),
+          ),
+        );
+        await tester.pumpAndSettle();
+        expect(
+          find.byKey(const ValueKey('verification-verified')),
+          findsOneWidget,
+        );
+        expect(find.byKey(const ValueKey('email')), findsNothing);
+        final router = GoRouter.of(
+          tester.element(find.byType(VerificationPage)),
+        );
+        expect(router.routeInformationProvider.value.uri.path, '/verify-email');
+        await tester.ensureVisible(
+          find.byKey(const ValueKey('verification-continue')),
+        );
+        await tester.tap(find.byKey(const ValueKey('verification-continue')));
+        await tester.pumpAndSettle();
+        final email = tester.widget<TextFormField>(
+          find.byKey(const ValueKey('email')),
+        );
+        expect(email.controller!.text, 'private-alias@example.com');
+        final password = tester.state<EditableTextState>(
+          find.descendant(
+            of: find.byKey(const ValueKey('password')),
+            matching: find.byType(EditableText),
+          ),
+        );
+        expect(password.currentTextEditingValue.text, isEmpty);
+        expect(password.widget.focusNode.hasFocus, isTrue);
+        expect(router.routeInformationProvider.value.uri.toString(), '/');
+        final restored = router.routeInformationParser.restoreRouteInformation(
+          router.routerDelegate.currentConfiguration,
+        )!;
+        expect(
+          restored.state.toString(),
+          isNot(contains('private-alias@example.com')),
+        );
+        expect(restored.state.toString(), isNot(contains('demo-valid')));
+        await tester.enterText(
+          find.byKey(const ValueKey('email')),
+          'changed@example.com',
+        );
+        expect(email.controller!.text, 'changed@example.com');
+        expect(find.byKey(const ValueKey('confirmation')), findsNothing);
+      },
+    );
+  }
   testWidgets('unknown deep link redirects to canonical login URL', (
     tester,
   ) async {

frontend/app/test/signup_delivery_test.dart

@@ -0,0 +1,153 @@
+import 'dart:convert';
+
+import 'package:flutter/material.dart';
+
+import 'package:flutter_test/flutter_test.dart';
+
+import 'package:go_router/go_router.dart';
+
+import 'package:http/http.dart' as http;
+import 'package:http/testing.dart';
+
+import 'package:sxchnge_analytics/sxchnge_analytics.dart';
+
+import 'package:sxchnge_auth/sxchnge_auth.dart';
+
+import 'package:sxchnge_app/main.dart';
+import 'package:sxchnge_app/providers/locale.dart';
+
+class DeliveryBackend extends BackendAuthServices {
+  DeliveryBackend(List<String> requests)
+    : super(
+        baseUri: Uri.parse('https://api.example/api/v1'),
+        clientId: 'web',
+        client: MockClient((request) async {
+          requests.add(request.url.path);
+          return http.Response(
+            jsonEncode({
+              'data': request.url.path.endsWith('/signup')
+                  ? {'userId': 'customer'}
+                  : {'accepted': true},
+            }),
+            202,
+          );
+        }),
+      );
+
+  int sends = 0;
+  bool failResend = true;
+
+  @override
+  Future<VerificationResult> send({
+    required String email,
+    required String locale,
+  }) async {
+    sends++;
+    if (failResend) {
+      throw const VerificationException(VerificationError.internal);
+    }
+    return super.send(email: email, locale: locale);
+  }
+}
+
+void main() {
+  for (final language in ['en', 'ru']) {
+    testWidgets(
+      'accepted signup survives an unavailable resend service ($language)',
+      (tester) async {
+        tester.view.physicalSize = const Size(390, 844);
+        tester.view.devicePixelRatio = 1;
+        tester.platformDispatcher.textScaleFactorTestValue = 1.5;
+        addTearDown(tester.view.resetPhysicalSize);
+        addTearDown(tester.view.resetDevicePixelRatio);
+        addTearDown(tester.platformDispatcher.clearTextScaleFactorTestValue);
+        final requests = <String>[];
+        final backend = DeliveryBackend(requests);
+        final analytics = DummyAnalyticsService();
+        await tester.pumpWidget(
+          SxchngeApp(
+            backend: backend,
+            analyticsService: analytics,
+            localeProvider: LocaleProvider(initialLocale: Locale(language)),
+          ),
+        );
+        await tester.pumpAndSettle();
+        final signup = find.text(language == 'ru' ? 'Регистрация' : 'Sign up');
+        await tester.ensureVisible(signup);
+        await tester.tap(signup);
+        await tester.pumpAndSettle();
+        for (final entry in {
+          'name': 'Ada Lovelace',
+          'email': 'ada@example.com',
+          'password': 'password preserved',
+          'confirmation': 'password preserved',
+        }.entries) {
+          await tester.enterText(find.byKey(ValueKey(entry.key)), entry.value);
+        }
+        final submit = find.byKey(const ValueKey('submit'));
+        await tester.ensureVisible(submit);
+        await tester.tap(submit);
+        await tester.pumpAndSettle();
+
+        expect(find.byKey(const ValueKey('verification-sent')), findsOneWidget);
+        expect(find.text('ada@example.com'), findsOneWidget);
+        expect(backend.sends, 0);
+        expect(requests, ['/api/v1/accounts/signup']);
+        final router = GoRouter.of(tester.element(find.byType(Scaffold)));
+        final restored = router.routeInformationParser.restoreRouteInformation(
+          router.routerDelegate.currentConfiguration,
+        )!;
+        expect(restored.uri.toString(), '/verification-sent');
+        expect(restored.state.toString(), isNot(contains('ada@example.com')));
+        expect(
+          analytics.events.where(
+            (event) => event.name == 'auth_signup_succeeded',
+          ),
+          hasLength(1),
+        );
+        expect(
+          analytics.events.where(
+            (event) => event.name == 'auth_email_delivery_succeeded',
+          ),
+          hasLength(1),
+        );
+
+        final resend = find.byKey(const ValueKey('verification-resend'));
+        await tester.ensureVisible(resend);
+        await tester.tap(resend);
+        await tester.pumpAndSettle();
+        expect(
+          find.byKey(const ValueKey('verification-error')),
+          findsOneWidget,
+        );
+        expect(backend.sends, 1);
+        expect(
+          tester
+              .widget<TextFormField>(
+                find.byKey(const ValueKey('verification-email')),
+              )
+              .controller!
+              .text,
+          'ada@example.com',
+        );
+        backend.failResend = false;
+        await tester.ensureVisible(resend);
+        await tester.tap(resend);
+        await tester.pumpAndSettle();
+        expect(find.byKey(const ValueKey('verification-sent')), findsOneWidget);
+        expect(backend.sends, 2);
+        expect(requests.last, '/api/v1/accounts/verification/send');
+        expect(requests, hasLength(2));
+        expect(
+          analytics.events.map((event) => event.journeyId).toSet(),
+          hasLength(1),
+        );
+        expect(
+          analytics.events.map((event) => event.properties).toString(),
+          isNot(contains('ada@example.com')),
+        );
+        expect(tester.takeException(), isNull);
+      },
+    );
+  }
+}

frontend/app/test/two_factor_test.dart

@@ -6,9 +6,15 @@ import 'package:sxchnge_analytics/sxchnge_analytics.dart';
 
 import 'package:sxchnge_auth/sxchnge_auth.dart';
 
+import 'package:sxchnge_kyc/sxchnge_kyc.dart';
+
+import 'package:sxchnge_wallet/sxchnge_wallet.dart';
+
 import 'package:sxchnge_app/main.dart';
 import 'package:sxchnge_app/providers/locale.dart';
 
+import 'destination_helpers.dart';
+
 Future<void> tapFactor(WidgetTester t, String key) async {
   final finder = find.byKey(ValueKey(key));
   await t.ensureVisible(finder);
@@ -31,8 +37,16 @@ Future<DummyTwoFactorService> openFactor(
     delay: Duration.zero,
     method: method,
   );
+  final wallet = DummyWalletService(
+    DummyIdentityService(delay: Duration.zero),
+    factors: service,
+    initialLocale: locale,
+    delay: Duration.zero,
+  );
+  await seedDestination(wallet.destinations);
   await t.pumpWidget(
     SxchngeApp(
+      walletService: wallet,
       twoFactorService: service,
       analyticsService: analytics,
       localeProvider: LocaleProvider(initialLocale: Locale(locale)),
@@ -134,13 +148,38 @@ void main() {
     await signIn(t);
     expect(find.byKey(const ValueKey('two-factor-code')), findsOneWidget);
     expect(find.byKey(const ValueKey('preview-result')), findsNothing);
+    expect(
+      t.testTextInput.log,
+      isNot(
+        contains(
+          isMethodCall('TextInput.finishAutofillContext', arguments: true),
+        ),
+      ),
+    );
     expect(
       analytics.events.where((e) => e.kind == JourneyKind.login && e.terminal),
       isEmpty,
     );
+    await t.enterText(find.byKey(const ValueKey('two-factor-code')), '000000');
+    await tapFactor(t, 'two-factor-confirm');
+    expect(find.byKey(const ValueKey('two-factor-error')), findsOneWidget);
+    expect(
+      t.testTextInput.log,
+      isNot(
+        contains(
+          isMethodCall('TextInput.finishAutofillContext', arguments: true),
+        ),
+      ),
+    );
     await t.enterText(find.byKey(const ValueKey('two-factor-code')), '123456');
     await tapFactor(t, 'two-factor-confirm');
     expect(find.byKey(const ValueKey('account-eur')), findsOneWidget);
+    expect(
+      t.testTextInput.log,
+      contains(
+        isMethodCall('TextInput.finishAutofillContext', arguments: true),
+      ),
+    );
     final login = analytics.events
         .where((e) => e.kind == JourneyKind.login)
         .toList();
@@ -158,6 +197,20 @@ void main() {
     await signIn(t);
     await tapFactor(t, 'two-factor-cancel');
     expect(find.byKey(const ValueKey('email')), findsOneWidget);
+    expect(
+      t.testTextInput.log,
+      contains(
+        isMethodCall('TextInput.finishAutofillContext', arguments: false),
+      ),
+    );
+    expect(
+      t.testTextInput.log,
+      isNot(
+        contains(
+          isMethodCall('TextInput.finishAutofillContext', arguments: true),
+        ),
+      ),
+    );
     expect(find.byKey(const ValueKey('preview-result')), findsNothing);
     expect(
       t
@@ -174,10 +227,7 @@ void main() {
         await openFactor(t, path: '/$kind', enabled: true);
         await t.enterText(find.byKey(const ValueKey('transfer-amount')), '10');
         if (kind == 'payout') {
-          await t.enterText(
+          await selectPayout(t);
-            find.byKey(const ValueKey('transfer-recipient')),
-            'Sample recipient',
-          );
         }
         await tapFactor(t, 'transfer-review');
         await tapFactor(t, 'transfer-confirm');

frontend/app/test/workspace_test.dart

@@ -11,6 +11,8 @@ import 'package:sxchnge_wallet/sxchnge_wallet.dart';
 import 'package:sxchnge_app/main.dart';
 import 'package:sxchnge_app/providers/locale.dart';
 
+import 'destination_helpers.dart';
+
 Future<void> tap(WidgetTester t, Finder f) async {
   await t.ensureVisible(f);
   await t.tap(f);
@@ -32,6 +34,7 @@ Future<DummyWalletService> open(
     settlement: settlement,
     initialLocale: locale,
   );
+  await seedDestination(service.destinations);
   await t.pumpWidget(
     SxchngeApp(
       identityService: identity,
@@ -78,10 +81,7 @@ void main() {
     expect(find.byKey(const ValueKey('operation-completed')), findsOneWidget);
     await tap(t, find.text('Pay out').last);
     await t.enterText(find.byKey(const ValueKey('transfer-amount')), '5');
-    await t.enterText(
+    await selectPayout(t);
-      find.byKey(const ValueKey('transfer-recipient')),
-      'Sample recipient',
-    );
     await tap(t, find.byKey(const ValueKey('transfer-review')));
     expect(find.text('Recipient receives'), findsOneWidget);
     await tap(t, find.byKey(const ValueKey('transfer-confirm')));
@@ -101,10 +101,7 @@ void main() {
       );
       s.failNextOperation = true;
       await t.enterText(find.byKey(const ValueKey('transfer-amount')), '10');
-      await t.enterText(
+      await selectPayout(t);
-        find.byKey(const ValueKey('transfer-recipient')),
-        'Sample recipient',
-      );
       await tap(t, find.byKey(const ValueKey('transfer-review')));
       await tap(t, find.byKey(const ValueKey('transfer-confirm')));
       // Settlement is service-owned; refresh after the simulated processing period.

frontend/packages/sxchnge_analytics/lib/sxchnge_analytics.dart

@@ -11,8 +11,11 @@ enum JourneyKind {
   exchange,
   payout,
   security,
+  destination,
 }
 
+enum DestinationResolution { created, duplicate }
+
 enum JourneyStep {
   login,
   signup,
@@ -23,6 +26,10 @@ enum JourneyStep {
   kycSelfie,
   kycSubmission,
   kycStatus,
+  destinationDraft,
+  destinationSave,
+  destinationReconciliation,
+  destinationBinding,
   transferDraft,
   transferQuote,
   transferSubmission,
@@ -78,6 +85,7 @@ class AnalyticsEvent {
     required this.sequence,
     required this.elapsedMs,
     this.step,
+    this.resolution,
     this.operation,
     this.failure,
     this.exit,
@@ -90,6 +98,7 @@ class AnalyticsEvent {
   final JourneyKind kind;
   final JourneySignal signal;
   final JourneyStep? step;
+  final DestinationResolution? resolution;
   final JourneyFailure? failure;
   final JourneyExit? exit;
   final int sequence;
@@ -105,6 +114,7 @@ class AnalyticsEvent {
       JourneyKind.exchange => 'exchange',
       JourneyKind.payout => 'payout',
       JourneyKind.security => 'security',
+      JourneyKind.destination => 'destination',
       _ => 'auth',
     };
     var stage = step == null ? 'journey' : _snake(step!.name);
@@ -123,6 +133,7 @@ class AnalyticsEvent {
     'terminal': terminal,
     'simulated': simulated,
     if (step != null) 'step': _snake(step!.name),
+    if (resolution != null) 'destination_resolution': resolution!.name,
     if (operation != null) 'operation': operation!,
     if (failure != null) 'failure': _snake(failure!.name),
     if (exit != null) 'exit': _snake(exit!.name),
@@ -210,6 +221,7 @@ class JourneyRecorder {
     JourneyFailure? failure,
     bool terminal = false,
     bool cancelled = false,
+    DestinationResolution? resolution,
   }) {
     final journey = operation._journey;
     if (_disposed || operation._finished || journey.closed) return;
@@ -227,6 +239,7 @@ class JourneyRecorder {
           ? JourneySignal.simulated
           : JourneySignal.succeeded,
       operation: operation,
+      resolution: resolution,
       failure: failure,
       terminal: complete,
       simulated: simulated || (complete && journey.simulated),
@@ -258,6 +271,7 @@ class JourneyRecorder {
     _Journey journey,
     JourneySignal signal, {
     JourneyOperation? operation,
+    DestinationResolution? resolution,
     JourneyFailure? failure,
     JourneyExit? exit,
     bool terminal = false,
@@ -271,6 +285,7 @@ class JourneyRecorder {
       sequence: ++journey.sequence,
       elapsedMs: journey.time.elapsedMilliseconds,
       step: operation?.step,
+      resolution: resolution,
       operation: operation?.number,
       failure: failure,
       exit: exit,

frontend/packages/sxchnge_auth/lib/src/dto/backend.dart

@@ -6,6 +6,8 @@ class BackendDTO {
     (jsonDecode(body) as Map<String, dynamic>)['data'] as Map<String, dynamic>,
   );
   final Map<String, dynamic> data;
+  bool get verified => data['verified'] == true;
+  String? get email => data['email'] as String?;
   String get error => data['error'] as String? ?? 'unavailable';
   String get userId =>
       data['userId'] as String? ??

frontend/packages/sxchnge_auth/lib/src/dto/results.dart

@@ -6,6 +6,7 @@ class AuthDTO {
 }
 
 class VerificationDTO {
-  const VerificationDTO({required this.simulated});
+  const VerificationDTO({required this.simulated, this.email});
   final bool simulated;
+  final String? email;
 }

frontend/packages/sxchnge_auth/lib/src/mappers/backend.dart

@@ -5,9 +5,20 @@ import '../models/two_factor.dart';
 import '../models/verification.dart';
 
 abstract final class BackendMapper {
-  static AuthResult signup(BackendDTO dto) {
+  static VerificationResult activation(BackendDTO dto) {
+    if (!dto.verified) {
+      throw const VerificationException(VerificationError.internal);
+    }
+    return VerificationResult(isSimulated: false, verifiedEmail: dto.email);
+  }
+
+  static AuthResult signup(BackendDTO dto, {required String email}) {
     if (dto.userId.isEmpty) throw const FormatException('Missing user');
-    return AuthResult(userId: dto.userId, isSimulated: false);
+    return AuthResult(
+      userId: dto.userId,
+      isSimulated: false,
+      delivery: VerificationDelivery(email: email, isSimulated: false),
+    );
   }
 
   static FactorChallenge challenge(BackendDTO dto, String id) {

frontend/packages/sxchnge_auth/lib/src/mappers/results.dart

@@ -5,9 +5,15 @@ import '../models/verification.dart';
 abstract final class AuthMapper {
   static AuthResult fromDTO(AuthDTO dto) =>
       AuthResult(userId: dto.userId, isSimulated: dto.simulated);
+
+  static AuthResult signup(AuthDTO dto, {required String email}) => AuthResult(
+    userId: dto.userId,
+    isSimulated: dto.simulated,
+    delivery: VerificationDelivery(email: email, isSimulated: dto.simulated),
+  );
 }
 
 abstract final class VerificationMapper {
   static VerificationResult fromDTO(VerificationDTO dto) =>
-      VerificationResult(isSimulated: dto.simulated);
+      VerificationResult(isSimulated: dto.simulated, verifiedEmail: dto.email);
 }

frontend/packages/sxchnge_auth/lib/src/models/auth.dart

@@ -1,4 +1,5 @@
 import 'two_factor.dart';
+import 'verification.dart';
 
 /// Ephemeral input: never persist, log, or include passwords in provider state.
 class LoginRequest {
@@ -31,9 +32,11 @@ class AuthResult {
     required this.userId,
     required this.isSimulated,
     this.challenge,
+    this.delivery,
   });
   final String userId;
   final FactorChallenge? challenge;
+  final VerificationDelivery? delivery;
   final bool isSimulated;
 }
 

frontend/packages/sxchnge_auth/lib/src/models/verification.dart

@@ -11,21 +11,35 @@ enum VerificationStatus {
 
 enum VerificationError { expired, invalid, internal, needsAssistance }
 
+/// An accepted email-queue operation, not proof of inbox delivery or activation.
+class VerificationDelivery {
+  const VerificationDelivery({required this.email, required this.isSimulated});
+  final String email;
+  final bool isSimulated;
+}
+
 class VerificationException implements Exception {
   const VerificationException(this.code);
   final VerificationError code;
 }
 
 class VerificationResult {
-  const VerificationResult({required this.isSimulated});
+  const VerificationResult({required this.isSimulated, this.verifiedEmail});
   final bool isSimulated;
+  final String? verifiedEmail;
 }
 
 class VerificationState {
-  const VerificationState(this.status, {this.isSimulated = false, this.error});
+  const VerificationState(
+    this.status, {
+    this.isSimulated = false,
+    this.error,
+    this.result,
+  });
   final VerificationStatus status;
   final VerificationError? error;
   final bool isSimulated;
+  final VerificationResult? result;
   bool get isLoading =>
       status == VerificationStatus.sending ||
       status == VerificationStatus.checking;

frontend/packages/sxchnge_auth/lib/src/providers/verification.dart

@@ -4,13 +4,22 @@ import '../models/verification.dart';
 import '../services/verification.dart';
 
 class VerificationProvider extends ChangeNotifier {
-  VerificationProvider(this.service);
+  VerificationProvider(this.service, {VerificationDelivery? delivery})
+    : _state = _initialState(delivery);
   final VerificationService service;
-  VerificationState _state = const VerificationState(VerificationStatus.idle);
+  VerificationState _state;
   VerificationState get state => _state;
   bool _disposed = false;
   int _generation = 0;
 
+  static VerificationState _initialState(VerificationDelivery? delivery) =>
+      delivery == null
+      ? const VerificationState(VerificationStatus.idle)
+      : VerificationState(
+          VerificationStatus.sent,
+          isSimulated: delivery.isSimulated,
+        );
+
   Future<void> send({required String email, required String locale}) => _run(
     () => service.send(email: email.trim(), locale: locale),
     VerificationStatus.sending,
@@ -35,7 +44,11 @@ class VerificationProvider extends ChangeNotifier {
     try {
       final result = await operation();
       if (_disposed || generation != _generation) return;
-      _state = VerificationState(success, isSimulated: result.isSimulated);
+      _state = VerificationState(
+        success,
+        isSimulated: result.isSimulated,
+        result: success == VerificationStatus.verified ? result : null,
+      );
     } catch (error) {
       if (_disposed || generation != _generation) return;
       final code = error is VerificationException
@@ -57,10 +70,10 @@ class VerificationProvider extends ChangeNotifier {
     notifyListeners();
   }
 
-  void reset() {
+  void reset({VerificationDelivery? delivery}) {
     if (_disposed) return;
     ++_generation;
-    _state = const VerificationState(VerificationStatus.idle);
+    _state = _initialState(delivery);
     notifyListeners();
   }
 

frontend/packages/sxchnge_auth/lib/src/services/backend.dart

@@ -51,7 +51,6 @@ class BackendAuthServices
   final _pending = <String, ({String token, String challengeId})>{};
   final _grants = <String, AuthSession>{};
   final _retryKeys = <String, String>{};
-  String? _queuedSignup;
   AuthSession? _session;
   AuthSession? get session => _session;
   @override
@@ -113,9 +112,8 @@ class BackendAuthServices
       'locale': r.locale,
       'idempotencyKey': key,
     });
-    final result = BackendMapper.signup(dto);
+    final result = BackendMapper.signup(dto, email: email);
     _retryKeys.remove('signup:$email');
-    _queuedSignup = email;
     return result;
   }
 
@@ -141,14 +139,6 @@ class BackendAuthServices
     required String locale,
   }) async {
     final normalized = email.trim().toLowerCase();
-    // Signup already queued this email. The existing confirmation page requests
-    // its initial delivery on mount; consume that receipt once.
-    if (_queuedSignup == normalized) {
-      _queuedSignup = null;
-      return VerificationMapper.fromDTO(
-        const VerificationDTO(simulated: false),
-      );
-    }
     final key = _retryKeys.putIfAbsent('activation:$normalized', _key);
     try {
       await _post('verification/send', {
@@ -172,8 +162,10 @@ class BackendAuthServices
 
   @override
   Future<VerificationResult> confirm({required String token}) async {
-    await _post('verification/confirm', {'token': token}, verification: true);
+    final dto = await _post('verification/confirm', {
-    return VerificationMapper.fromDTO(const VerificationDTO(simulated: false));
+      'token': token,
+    }, verification: true);
+    return BackendMapper.activation(dto);
   }
 
   @override

frontend/packages/sxchnge_auth/lib/src/services/dummy.dart

@@ -40,8 +40,9 @@ class DummySignupService implements SignupService, SimulationInfo {
   Future<AuthResult> signup(SignupRequest request) async {
     await Future<void>.delayed(delay);
     if (failure case final error?) throw AuthException(error);
-    return AuthMapper.fromDTO(
+    return AuthMapper.signup(
       const AuthDTO(userId: 'demo-user', simulated: true),
+      email: request.email.trim(),
     );
   }
 }

frontend/packages/sxchnge_auth/lib/src/services/instrumented.dart

@@ -111,13 +111,27 @@ class InstrumentedAuthServices
     simulation: _simulation(loginService),
   );
   @override
-  Future<AuthResult> signup(SignupRequest request) => _run(
+  Future<AuthResult> signup(SignupRequest request) async {
+    final result = await _run(
       JourneyKind.signup,
       JourneyStep.signup,
       () => signupService.signup(request),
       (r) => r.isSimulated,
       simulation: _simulation(signupService),
     );
+    final delivery = result.delivery;
+    if (delivery != null) {
+      final operation = recorder.begin(
+        JourneyKind.verification,
+        JourneyStep.emailDelivery,
+        onboarding: true,
+        simulated: delivery.isSimulated,
+      );
+      recorder.finish(operation, simulated: delivery.isSimulated);
+    }
+    return result;
+  }
+
   @override
   Future<VerificationResult> send({
     required String email,

frontend/packages/sxchnge_auth/lib/src/services/verification.dart

@@ -19,11 +19,13 @@ class DummyVerificationService implements VerificationService, SimulationInfo {
   const DummyVerificationService({
     this.delay = const Duration(milliseconds: 600),
     this.sendFailure,
+    this.verifiedEmail = 'alex@example.com',
   });
   @override
   bool get isSimulated => true;
   final Duration delay;
   final VerificationError? sendFailure;
+  final String verifiedEmail;
 
   @override
   Future<VerificationResult> send({
@@ -41,7 +43,7 @@ class DummyVerificationService implements VerificationService, SimulationInfo {
     switch (token) {
       case 'demo-valid':
         return VerificationMapper.fromDTO(
-          const VerificationDTO(simulated: true),
+          VerificationDTO(simulated: true, email: verifiedEmail),
         );
       case 'demo-expired':
         throw const VerificationException(VerificationError.expired);

frontend/packages/sxchnge_auth/test/auth_test.dart

@@ -142,11 +142,11 @@ void main() {
           .isSimulated,
       isTrue,
     );
-    expect(
+    final accepted = await const DummySignupService(delay: Duration.zero)
-      (await const DummySignupService(delay: Duration.zero).signup(signup))
+        .signup(signup);
-          .isSimulated,
+    expect(accepted.isSimulated, isTrue);
-      isTrue,
+    expect(accepted.delivery?.email, 'a@example.com');
-    );
+    expect(accepted.delivery?.isSimulated, isTrue);
     await expectLater(
       const DummyLoginService(
         delay: Duration.zero,

frontend/packages/sxchnge_auth/test/backend_test.dart

@@ -10,6 +10,48 @@ import 'package:sxchnge_auth/sxchnge_auth.dart';
 void main() {
   http.Response response(Map<String, Object?> data, [int status = 202]) =>
       http.Response(jsonEncode({'data': data}), status);
+  test(
+    'activation maps only a confirmed response to the verified email',
+    () async {
+      var confirmed = true;
+      final service = BackendAuthServices(
+        baseUri: Uri.parse('https://api.example/api/v1'),
+        clientId: 'web',
+        client: MockClient((request) async {
+          expect(request.url.path, '/api/v1/accounts/verification/confirm');
+          expect(jsonDecode(request.body), {'token': 'opaque-link'});
+          return response({
+            'verified': confirmed,
+            'email': 'alias@example.com',
+          });
+        }),
+      );
+      addTearDown(service.close);
+      final accepted = await service.confirm(token: 'opaque-link');
+      expect(accepted.verifiedEmail, 'alias@example.com');
+      expect(accepted.isSimulated, isFalse);
+      confirmed = false;
+      await expectLater(
+        service.confirm(token: 'opaque-link'),
+        throwsA(isA<VerificationException>()),
+      );
+    },
+  );
+  test(
+    'activation remains compatible with a verified response without email',
+    () async {
+      final service = BackendAuthServices(
+        baseUri: Uri.parse('https://api.example/api/v1'),
+        clientId: 'web',
+        client: MockClient((_) async => response({'verified': true})),
+      );
+      addTearDown(service.close);
+      expect(
+        (await service.confirm(token: 'opaque-link')).verifiedEmail,
+        isNull,
+      );
+    },
+  );
   test(
     'signup distinguishes support recovery and keeps the retry key',
     () async {
@@ -47,7 +89,9 @@ void main() {
       expect(keys[0], keys[1]);
     },
   );
-  test('signup receipt avoids duplicate delivery and subsequent resend reaches API', () async {
+  test(
+    'signup returns its receipt and every explicit resend reaches API',
+    () async {
       final paths = <String>[];
       final service = BackendAuthServices(
         baseUri: Uri.parse('https://api.example/api/v1'),
@@ -55,7 +99,10 @@ void main() {
         client: MockClient((request) async {
           paths.add(request.url.path);
           if (request.url.path.endsWith('/signup')) {
-          expect(jsonDecode(request.body)['password'], ' password preserved ');
+            expect(
+              jsonDecode(request.body)['password'],
+              ' password preserved ',
+            );
             return response({'userId': 'user'});
           }
           return response({'accepted': true});
@@ -71,11 +118,19 @@ void main() {
         ),
       );
       expect(result.isSimulated, isFalse);
-    await service.send(email: 'user@example.com', locale: 'en');
+      expect(result.delivery?.email, 'user@example.com');
+      expect(result.delivery?.isSimulated, isFalse);
       expect(paths, ['/api/v1/accounts/signup']);
       await service.send(email: 'user@example.com', locale: 'en');
+      expect(paths, [
+        '/api/v1/accounts/signup',
+        '/api/v1/accounts/verification/send',
+      ]);
+      await service.send(email: 'user@example.com', locale: 'en');
       expect(paths.last, '/api/v1/accounts/verification/send');
-  });
+      expect(paths, hasLength(3));
+    },
+  );
   test('login confirms backend session only after factor and consumes local grant once', () async {
     final now = DateTime.now();
     var verified = false;

frontend/packages/sxchnge_auth/test/verification_test.dart

@@ -28,6 +28,36 @@ class PendingService implements VerificationService {
 }
 
 void main() {
+  test(
+    'accepted delivery initializes sent state without calling the service',
+    () async {
+      final service = PendingService();
+      final provider = VerificationProvider(
+        service,
+        delivery: const VerificationDelivery(
+          email: 'ada@example.com',
+          isSimulated: false,
+        ),
+      );
+      addTearDown(provider.dispose);
+      expect(provider.state.status, VerificationStatus.sent);
+      expect(provider.state.isSimulated, isFalse);
+      expect(provider.state.result, isNull);
+      expect(service.calls, 0);
+      final resend = provider.send(email: 'ada@example.com', locale: 'en');
+      expect(provider.state.status, VerificationStatus.sending);
+      expect(service.calls, 1);
+      service.pending.completeError(
+        const VerificationException(VerificationError.internal),
+      );
+      await resend;
+      expect(provider.state.status, VerificationStatus.error);
+      expect(provider.state.result, isNull);
+      provider.reset();
+      expect(provider.state.status, VerificationStatus.idle);
+    },
+  );
+
   for (final scenario in {
     'demo-valid': VerificationStatus.verified,
     'demo-expired': VerificationStatus.expired,
@@ -42,6 +72,12 @@ void main() {
       addTearDown(provider.dispose);
       await provider.confirm(scenario.key);
       expect(provider.state.status, scenario.value);
+      expect(
+        provider.state.result?.verifiedEmail,
+        scenario.value == VerificationStatus.verified
+            ? 'alex@example.com'
+            : null,
+      );
       expect(
         provider.state.isSimulated,
         scenario.value == VerificationStatus.verified,
@@ -75,7 +111,23 @@ void main() {
     service.pending.complete(const VerificationResult(isSimulated: true));
     await operation;
     expect(provider.state.status, VerificationStatus.idle);
+    expect(provider.state.result, isNull);
   });
+  test(
+    'a later failed confirmation clears the previous verified identity',
+    () async {
+      final provider = VerificationProvider(
+        const DummyVerificationService(delay: Duration.zero),
+      );
+      addTearDown(provider.dispose);
+      await provider.confirm('demo-valid');
+      expect(provider.state.result?.verifiedEmail, 'alex@example.com');
+      final operation = provider.confirm('bad');
+      expect(provider.state.result, isNull);
+      await operation;
+      expect(provider.state.result, isNull);
+    },
+  );
   test('dispose discards late exception', () async {
     final service = PendingService();
     final provider = VerificationProvider(service);

frontend/packages/sxchnge_wallet/README.md

@@ -47,3 +47,17 @@ once on success/failure. Closing the app while pending does not count as draft
 abandonment. No amounts, account IDs or recipient data enter events. All demo
 signals are simulated. Cross-session outcomes require backend event delivery;
 client-only analytics are not production accounting or conversion evidence.
+
+## Saved destinations — #54
+
+The injectable `DestinationService` adds canonical crypto, secure-card capture and
+Russian bank models, saved/one-time input, independent metadata/execution revisions,
+stable created/duplicate outcomes, contextual eligibility and management providers.
+`DummyDestinationService` is customer-scoped and process-local. It has isolated
+fixtures for directory/capture/recovery states, not live banking or card collection.
+The demo wallet binds immutable destination snapshots to quotes and rechecks at its
+synchronous acceptance boundary. Production must enforce those checks atomically
+in the backend. Live mode currently advertises no new destination capabilities and
+preserves explicit selection of the already provisioned wallet method. It never
+uses a demo store. See [the UX/service contract](../../../docs/ux/payout-destinations.md)
+for integration, security, retention, localization and acceptance requirements.