chore: sync dev with main

instrumentation-client.ts

@@ -9,4 +9,14 @@ if (typeof window !== 'undefined' && process.env.NODE_ENV !== 'development') {
         capture_pageleave: true,
         autocapture: true,
     })
+
+    // Brave identifies as Chrome in User-Agent — detect it and set a person property
+    // so we can accurately measure our crypto-native Brave audience in PostHog
+    if (navigator.brave) {
+        navigator.brave.isBrave().then((isBrave) => {
+            if (isBrave) {
+                posthog.setPersonProperties({ browser_override: 'Brave' })
+            }
+        })
+    }
 }

src/app/(mobile-ui)/qr-pay/page.tsx

@@ -34,6 +34,8 @@ import { loadingStateContext } from '@/context'
 import { getCurrencyPrice } from '@/app/actions/currency'
 import { PaymentInfoRow } from '@/components/Payment/PaymentInfoRow'
 import { captureException } from '@sentry/nextjs'
+import posthog from 'posthog-js'
+import { ANALYTICS_EVENTS } from '@/constants/analytics.consts'
 import {
     isPaymentProcessorQR,
     parseSimpleFiQr,
@@ -134,6 +136,10 @@ export default function QRPayPage() {
     const [waitingForMerchantAmount, setWaitingForMerchantAmount] = useState(false)
     const retryCount = useRef(0)
 
+    // Analytics tracking refs (declared before resetState so it can clear them)
+    const hasTrackedPerkShown = useRef(false)
+    const perkClaimedRef = useRef(false)
+
     const resetState = () => {
         setIsSuccess(false)
         setErrorMessage(null)
@@ -165,6 +171,9 @@ export default function QRPayPage() {
         // reset perk states
         setIsClaimingPerk(false)
         setPerkClaimed(false)
+        // reset analytics tracking refs so a new QR flow gets fresh tracking
+        hasTrackedPerkShown.current = false
+        perkClaimedRef.current = false
     }
 
     // Cleanup timers on unmount
@@ -177,6 +186,33 @@ export default function QRPayPage() {
         }
     }, [])
 
+    // Track reward claim shown + surprise moment when perk UI appears after payment
+    useEffect(() => {
+        perkClaimedRef.current = perkClaimed
+    }, [perkClaimed])
+
+    useEffect(() => {
+        if (isSuccess && qrPayment?.perk?.eligible && !perkClaimed && !hasTrackedPerkShown.current) {
+            hasTrackedPerkShown.current = true
+            const eventProps = {
+                amount_usd: qrPayment.perk.amountSponsored,
+                discount_pct: qrPayment.perk.discountPercentage,
+                merchant: qrPayment.details?.merchant?.name,
+            }
+            posthog.capture(ANALYTICS_EVENTS.REWARD_CLAIM_SHOWN, eventProps)
+            posthog.capture(ANALYTICS_EVENTS.SURPRISE_MOMENT_SHOWN, eventProps)
+        }
+    }, [isSuccess, qrPayment?.perk?.eligible, perkClaimed, qrPayment])
+
+    // Track dismiss: user navigated away after seeing perk but without claiming
+    useEffect(() => {
+        return () => {
+            if (hasTrackedPerkShown.current && !perkClaimedRef.current) {
+                posthog.capture(ANALYTICS_EVENTS.REWARD_CLAIM_DISMISSED)
+            }
+        }
+    }, [])
+
     const handleSimpleFiStatusUpdate = useCallback(
         async (entry: HistoryEntry) => {
             if (!pendingSimpleFiPaymentId || entry.uuid !== pendingSimpleFiPaymentId) {
@@ -784,6 +820,10 @@ export default function QRPayPage() {
         try {
             const result = await mantecaApi.claimPerk(qrPayment.externalId)
             if (result.success) {
+                posthog.capture(ANALYTICS_EVENTS.REWARD_CLAIMED, {
+                    amount_usd: result.perk.amountSponsored,
+                    discount_pct: result.perk.discountPercentage,
+                })
                 // Update qrPayment with actual claimed perk info from backend
                 setQrPayment({
                     ...qrPayment,

src/app/actions/sumsub.ts

@@ -11,16 +11,18 @@ const API_KEY = process.env.PEANUT_API_KEY!
 export const initiateSumsubKyc = async (params?: {
     regionIntent?: KYCRegionIntent
     levelName?: string
+    crossRegion?: boolean
 }): Promise<{ data?: InitiateSumsubKycResponse; error?: string }> => {
     const jwtToken = (await getJWTCookie())?.value
 
     if (!jwtToken) {
         return { error: 'Authentication required' }
     }
 
-    const body: Record<string, string | undefined> = {
+    const body: Record<string, string | boolean | undefined> = {
         regionIntent: params?.regionIntent,
         levelName: params?.levelName,
+        crossRegion: params?.crossRegion,
     }
 
     try {
@@ -45,6 +47,7 @@ export const initiateSumsubKyc = async (params?: {
                 token: responseJson.token,
                 applicantId: responseJson.applicantId,
                 status: responseJson.status,
+                actionType: responseJson.actionType,
             },
         }
     } catch (e: unknown) {

src/app/actions/types/sumsub.types.ts

@@ -1,9 +1,19 @@
+export type KycActionType = 'manteca' | 'bridge-direct'
+
 export interface InitiateSumsubKycResponse {
-    token: string | null // null when user is already APPROVED
+    token: string | null // null when user is already APPROVED or bridge-direct
     applicantId: string | null
     status: SumsubKycStatus
+    actionType?: KycActionType // present for cross-region responses
 }
 
-export type SumsubKycStatus = 'NOT_STARTED' | 'PENDING' | 'IN_REVIEW' | 'APPROVED' | 'REJECTED' | 'ACTION_REQUIRED'
+export type SumsubKycStatus =
+    | 'NOT_STARTED'
+    | 'PENDING'
+    | 'IN_REVIEW'
+    | 'APPROVED'
+    | 'REJECTED'
+    | 'ACTION_REQUIRED'
+    | 'REVERIFYING'
 
 export type KYCRegionIntent = 'STANDARD' | 'LATAM'

src/components/Kyc/SumsubKycWrapper.tsx

@@ -135,17 +135,31 @@ export const SumsubKycWrapper = ({
                 }
             }
 
+            // for applicant actions, the SDK fires action-specific events.
+            // only close on terminal status to avoid premature SDK closure.
+            const handleActionCompleted = (payload: {
+                reviewStatus?: string
+                reviewResult?: { reviewAnswer?: string }
+            }) => {
+                console.log('[sumsub] onApplicantActionStatusChanged fired', payload)
+                if (payload?.reviewStatus === 'completed') {
+                    stableOnComplete()
+                }
+            }
+
             const sdk = window.snsWebSdk
                 .init(accessToken, stableOnRefreshToken)
                 .withConf({ lang: 'en', theme: 'light' })
                 .withOptions({ addViewportTag: false, adaptIframeHeight: true })
                 .on('onApplicantSubmitted', handleSubmitted)
                 .on('onApplicantResubmitted', handleResubmitted)
                 .on('onApplicantStatusChanged', handleStatusChanged)
+                .on('onApplicantActionStatusChanged', handleActionCompleted)
                 // also listen for idCheck-prefixed events (some sdk versions use these)
                 .on('idCheck.onApplicantSubmitted', handleSubmitted)
                 .on('idCheck.onApplicantResubmitted', handleResubmitted)
                 .on('idCheck.onApplicantStatusChanged', handleStatusChanged)
+                .on('idCheck.onApplicantActionStatusChanged', handleActionCompleted)
                 .on('onError', (error: unknown) => {
                     console.error('[sumsub] sdk error', error)
                     stableOnError(error)

src/components/Profile/views/RegionsVerification.view.tsx

@@ -100,9 +100,12 @@ const RegionsVerification = () => {
     const handleStartKyc = useCallback(async () => {
         const intent = selectedRegion ? getRegionIntent(selectedRegion.path) : undefined
         if (intent) setActiveRegionIntent(intent)
+        // only signal cross-region when user is switching to a different region
+        const crossRegion =
+            sumsubVerificationRegionIntent && intent && intent !== sumsubVerificationRegionIntent ? true : undefined
         setSelectedRegion(null)
-        await flow.handleInitiateKyc(intent)
-    }, [flow.handleInitiateKyc, selectedRegion])
+        await flow.handleInitiateKyc(intent, undefined, crossRegion)
+    }, [flow.handleInitiateKyc, selectedRegion, sumsubVerificationRegionIntent])
 
     // re-submission: skip StartVerificationView since user already consented
     const handleResubmitKyc = useCallback(async () => {

src/constants/kyc.consts.ts

@@ -10,7 +10,9 @@ export type KycVerificationStatus = MantecaKycStatus | SumsubKycStatus | string
 export type KycStatusCategory = 'completed' | 'processing' | 'failed' | 'action_required'
 
 // sets of status values by category — single source of truth
-const APPROVED_STATUSES: ReadonlySet<string> = new Set(['approved', 'ACTIVE', 'APPROVED'])
+// REVERIFYING = user is approved but re-verifying for a new region (cross-region KYC).
+// treated as approved for access checks — user retains existing provider access.
+const APPROVED_STATUSES: ReadonlySet<string> = new Set(['approved', 'ACTIVE', 'APPROVED', 'REVERIFYING'])
 const FAILED_STATUSES: ReadonlySet<string> = new Set(['rejected', 'INACTIVE', 'REJECTED'])
 const PENDING_STATUSES: ReadonlySet<string> = new Set([
     'under_review',

src/hooks/useMultiPhaseKycFlow.ts

@@ -148,6 +148,7 @@ export const useMultiPhaseKycFlow = ({ onKycSuccess, onManualClose, regionIntent
         refreshToken,
         isVerificationProgressModalOpen,
         closeVerificationProgressModal,
+        isActionFlow,
     } = useSumsubKycFlow({ onKycSuccess: handleSumsubApproved, onManualClose, regionIntent })
 
     // keep ref in sync
@@ -176,7 +177,7 @@ export const useMultiPhaseKycFlow = ({ onKycSuccess, onManualClose, regionIntent
 
     // wrap handleInitiateKyc to reset state for new attempts
     const handleInitiateKyc = useCallback(
-        async (overrideIntent?: KYCRegionIntent, levelName?: string) => {
+        async (overrideIntent?: KYCRegionIntent, levelName?: string, crossRegion?: boolean) => {
             const intent = overrideIntent ?? regionIntent
             posthog.capture(
                 intent === 'LATAM' ? ANALYTICS_EVENTS.MANTECA_KYC_INITIATED : ANALYTICS_EVENTS.KYC_INITIATED,
@@ -192,7 +193,7 @@ export const useMultiPhaseKycFlow = ({ onKycSuccess, onManualClose, regionIntent
             isRealtimeFlowRef.current = false
             clearPreparingTimer()
 
-            await originalHandleInitiateKyc(overrideIntent, levelName)
+            await originalHandleInitiateKyc(overrideIntent, levelName, crossRegion)
         },
         [originalHandleInitiateKyc, clearPreparingTimer, regionIntent, acquisitionSource]
     )
@@ -306,7 +307,9 @@ export const useMultiPhaseKycFlow = ({ onKycSuccess, onManualClose, regionIntent
 
     const isModalOpen = isVerificationProgressModalOpen || forceShowModal
 
-    const isMultiLevel = regionIntent === 'LATAM'
+    // multi-level only for first-time LATAM (workflow with conditional questionnaire).
+    // cross-region LATAM uses an applicant action (single level, not multi-level).
+    const isMultiLevel = regionIntent === 'LATAM' && !isActionFlow
 
     // Derive preparing stage from elapsed time for progressive copy
     const preparingStage = useMemo<'initial' | 'configuring' | 'slow'>(() => {

src/hooks/useSumsubKycFlow.ts

@@ -22,13 +22,17 @@ export const useSumsubKycFlow = ({ onKycSuccess, onManualClose, regionIntent }:
     const [isVerificationProgressModalOpen, setIsVerificationProgressModalOpen] = useState(false)
     const [liveKycStatus, setLiveKycStatus] = useState<SumsubKycStatus | undefined>(undefined)
     const [rejectLabels, setRejectLabels] = useState<string[] | undefined>(undefined)
+    // true when the SDK is showing an applicant action (not a standard level)
+    const [isActionFlow, setIsActionFlow] = useState(false)
     const prevStatusRef = useRef(liveKycStatus)
     const showWrapperRef = useRef(showWrapper)
     showWrapperRef.current = showWrapper
     // tracks the effective region intent across initiate + refresh so the correct template is always used
     const regionIntentRef = useRef<KYCRegionIntent | undefined>(regionIntent)
     // tracks the level name across initiate + refresh (e.g. 'peanut-additional-docs')
     const levelNameRef = useRef<string | undefined>(undefined)
+    // guards fetchCurrentStatus from running while handleInitiateKyc is in progress
+    const initiatingRef = useRef(false)
     // guard: only fire onKycSuccess when the user initiated a kyc flow in this session.
     // prevents stale websocket events or mount-time fetches from auto-closing the drawer.
     const userInitiatedRef = useRef(false)
@@ -67,7 +71,8 @@ export const useSumsubKycFlow = ({ onKycSuccess, onManualClose, regionIntent }:
             liveKycStatus &&
             liveKycStatus !== prevStatus &&
             liveKycStatus !== 'APPROVED' &&
-            liveKycStatus !== 'PENDING'
+            liveKycStatus !== 'PENDING' &&
+            liveKycStatus !== 'REVERIFYING'
         ) {
             // close modal for any non-success terminal state (REJECTED, ACTION_REQUIRED, FAILED, etc.)
             setIsVerificationProgressModalOpen(false)
@@ -79,11 +84,13 @@ export const useSumsubKycFlow = ({ onKycSuccess, onManualClose, regionIntent }:
     // (e.g. RegionsVerification mounts with no region selected yet).
     useEffect(() => {
         if (!regionIntent) return
+        // skip if handleInitiateKyc is already in progress — it handles status sync itself
+        if (initiatingRef.current) return
 
         const fetchCurrentStatus = async () => {
             try {
                 const response = await initiateSumsubKyc({ regionIntent })
-                if (response.data?.status) {
+                if (response.data?.status && !initiatingRef.current) {
                     setLiveKycStatus(response.data.status)
                 }
             } catch {
@@ -119,15 +126,24 @@ export const useSumsubKycFlow = ({ onKycSuccess, onManualClose, regionIntent }:
     }, [isVerificationProgressModalOpen])
 
     const handleInitiateKyc = useCallback(
-        async (overrideIntent?: KYCRegionIntent, levelName?: string) => {
+        async (overrideIntent?: KYCRegionIntent, levelName?: string, crossRegion?: boolean) => {
             userInitiatedRef.current = true
+            initiatingRef.current = true
             setIsLoading(true)
             setError(null)
 
+            // for cross-region: pre-set prevStatusRef to APPROVED so the fetchCurrentStatus
+            // effect (which also fires when regionIntent changes) doesn't trigger onKycSuccess
+            // when it sees the existing APPROVED status.
+            if (crossRegion) {
+                prevStatusRef.current = 'APPROVED'
+            }
+
             try {
                 const response = await initiateSumsubKyc({
                     regionIntent: overrideIntent ?? regionIntent,
                     levelName,
+                    crossRegion,
                 })
 
                 if (response.error) {
@@ -148,17 +164,30 @@ export const useSumsubKycFlow = ({ onKycSuccess, onManualClose, regionIntent }:
                 if (effectiveIntent) regionIntentRef.current = effectiveIntent
                 levelNameRef.current = levelName
 
-                // if already approved and no token returned, kyc is done.
-                // set prevStatusRef so the transition effect doesn't fire onKycSuccess a second time.
-                // when a token IS returned (e.g. additional-docs flow), we still need to show the SDK.
-                if (response.data?.status === 'APPROVED' && !response.data?.token) {
+                // cross-region: bridge-direct means no SDK needed — backend is handling
+                // rail enrollment + submission. go straight to the post-approval flow.
+                if (response.data?.actionType === 'bridge-direct') {
                     prevStatusRef.current = 'APPROVED'
+                    userInitiatedRef.current = true
+                    setIsActionFlow(false)
+                    setIsVerificationProgressModalOpen(true)
+                    onKycSuccess?.()
+                    return
+                }
+
+                // if already approved (or reverifying) and no token returned, kyc is done.
+                // set prevStatusRef so the transition effect doesn't fire onKycSuccess a second time.
+                // when a token IS returned (e.g. cross-region action or additional-docs), we still need to show the SDK.
+                const status = response.data?.status
+                if ((status === 'APPROVED' || status === 'REVERIFYING') && !response.data?.token) {
+                    prevStatusRef.current = status
                     onKycSuccess?.()
                     return
                 }
 
                 if (response.data?.token) {
                     setAccessToken(response.data.token)
+                    setIsActionFlow(!!response.data.actionType)
                     setShowWrapper(true)
                 } else {
                     setError('Could not initiate verification. Please try again.')
@@ -168,6 +197,7 @@ export const useSumsubKycFlow = ({ onKycSuccess, onManualClose, regionIntent }:
                 setError(message)
             } finally {
                 setIsLoading(false)
+                initiatingRef.current = false
             }
         },
         [regionIntent, onKycSuccess]
@@ -177,12 +207,14 @@ export const useSumsubKycFlow = ({ onKycSuccess, onManualClose, regionIntent }:
     const handleSdkComplete = useCallback(() => {
         userInitiatedRef.current = true
         setShowWrapper(false)
+        setIsActionFlow(false)
         setIsVerificationProgressModalOpen(true)
     }, [])
 
     // called when user manually closes the sdk modal
     const handleClose = useCallback(() => {
         setShowWrapper(false)
+        setIsActionFlow(false)
         onManualClose?.()
     }, [onManualClose])
 
@@ -230,5 +262,6 @@ export const useSumsubKycFlow = ({ onKycSuccess, onManualClose, regionIntent }:
         closeVerificationProgressModal,
         closeVerificationModalAndGoHome,
         resetError,
+        isActionFlow,
     }
 }

src/types/global.d.ts

@@ -4,3 +4,9 @@ interface Window {
     CRISP_TOKEN_ID?: string | null
     CRISP_WEBSITE_ID?: string
 }
+
+interface Navigator {
+    brave?: {
+        isBrave: () => Promise<boolean>
+    }
+}