fix(activation): card CTA comes after deposit, never before (TASK-20837) - #2761
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The #2262 card-first override was global: any card-eligible user saw the card step before verify or deposit. The Brazil campaign badge made its whole cohort eligible, so unfunded users were steered to mint plastic with nothing to spend (~1% activation). The funnel trunk decided 2026-07-13 is verify → deposit → card → first spend: the card step now replaces only the funded states (outbound/completed). The #2262 dead-end this must not resurrect — the Bridge/region-picker KYC detour — is guarded independently in UnlockedRegions (hasCardAccess users are redirected to /card before any Bridge KYC) and by the KYC-free crypto deposit path. The hook had no test, which is how the regression shipped; it has ten now.
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📝 WalkthroughWalkthroughThe activation funnel now keeps verification and deposit steps ahead of the card step. Card routing and the card-launch banner require funding or activation. Regression tests cover milestone and fallback activation paths. ChangesActivation funnel routing
Estimated code review effort: 2 (Simple) | ~10 minutes Merge Risk: 🔵 Low · up to The home activation flow now delays the card CTA until after deposit, but the journey board still displays the card banner before funding and omits it from funded states. This is a bounded consistency issue that should be corrected or explicitly accepted before merge. 🚥 Pre-merge checks | ✅ 5✅ Passed checks (5 passed)
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Code-analysis diffPainscore total: 7289.31 → 7290.29 (+0.98) 🆕 New findings (16)
✅ Resolved (15)
📈 Painscore deltas (top movers)
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🧪 UI test report — ✅ all greenSuites
📊 Coverage (unit)
⏱ 10 slowest test cases
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✅ Action performedReview finished.
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Actionable comments posted: 1
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Inline comments:
In `@src/app/`(mobile-ui)/dev/journey/journeyData.ts:
- Around line 90-91: Update the card banner’s states list in the journey data
used by JourneyBoard to replace access-pre-kyc and kycd-no-card with
funded-no-spend and spent, while preserving the existing condition and other
banner configuration.
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src/app/(mobile-ui)/dev/journey/journeyData.tssrc/hooks/__tests__/useActivationStatus.test.tsxsrc/hooks/useActivationStatus.ts
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…rd comments, test hardening /code-review high round 1 (9 findings). Fixed: isFunded now also counts a live positive balance (milestone-lag users with real money were told 'add money' while the card step was withheld); the dismissal flag rotates to v2 (the v1 flag was set dismissing the mis-timed PRE-deposit banner — exactly the cohort the relocated step targets); the #2262-guard comment no longer overstates UnlockedRegions (load race) or /add-money (bank rows still reach Bridge KYC) — residual exposure equals the pre-#2262 baseline, full fix is TASK-20837; journey board states corrected to funded-no-spend; findActiveCard mock passes its argument through; the disableCardLaunchCTA kill switch is now pinned. Deferred with flags: the provider-rejection interplay for card-eligible users at 'deposit' (product call — surfaced in the readiness report) and the transient pre-balance 'deposit' frame on the fallback path (pre-existing, TASK-20837).
…card step; shield card-path users from rail nags /code-review high, 10 findings. The big one: the region picker's unconditional card redirect had the wrong polarity under deposit-first — it blocked the Brazil cohort from Manteca/PIX verification entirely and failed open toward /card while its queries loaded. It now keys on activationStep === 'card' (funded + eligible + no card), so this screen and home share ONE resolver and the loading state fails toward the trunk. Card-path users (access, pre-card) keep their shielding from bank-rail rejection nags — crypto deposit → card is their working path; the nag would replace their deposit CTA with a contact-support dead end. Also from review: dismissal key rotated to v2 (v1 was set against the mis-timed pre-deposit banner by exactly the cohort the step now targets), live chain balance counts as funded when the BE milestone lags, kill-switch and overview-passthrough pins, journey-board state fixes.
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marked this pull request as ready for review
August 20, 2026 10:56
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Summary
Card CTA comes after deposit, never before. The #2262 override made the card step clobber every funnel state for card-eligible users; when the Brazil campaign badge made its whole cohort card-eligible, unfunded users were steered to mint a card with nothing to spend (~1% activation on that path). The funnel trunk (decided 2026-07-13, never implemented, regressed silently) is verify → deposit → card → first spend — the card step now replaces only the funded states (
outbound/completed).One-condition change in
useActivationStatus.ts. Blast radius is a single consumer: the non-activated home screen'sActivationCTAs. The funded (outbound) step already renders card-inclusive copy + a card/QR spend chooser — the funnel now lands there instead of skipping it.The #2262 dead-end does not come back: the Bridge/region-picker KYC detour for card-only EU/NA users is guarded independently (
UnlockedRegions.view.tsx:182-190redirectshasCardAccessusers to/cardbefore any Bridge KYC starts) and/add-moneylists the KYC-free crypto path first. Residual cost: a card-only user atregisteredsees verify before card — one extra hop, guard intercepts.Task
Signal consolidation pass — one brain for messages + surfaces (TASK-20837 — carries today's full regression trace; this PR is the short-term fix, the single-resolver consolidation is the follow-up, sequenced after the ds/07-home-rebuild branch lands).
Risks / breaking changes
/cardstays directly reachable (door, profile row, direct link).disableCardLaunchCTA: truemutes the card step entirely.QA
Screenshots
Same user (card access granted, KYC not started, zero balance), sandbox home at 375×667:
shhhhdoor banner shown to an unverified, unfunded user(Assets branch
pr-assets-2761— delete after merge.)Summary by CodeRabbit