kyc(gate): consume wait:bridge NextAction + SEPA v2 ToS copy

src/app/(mobile-ui)/add-money/[country]/bank/page.tsx

@@ -62,7 +62,7 @@
     // Local UI state (not URL-appropriate - transient)
     const [showWarningModal, setShowWarningModal] = useState<boolean>(false)
     const [showKycModal, setShowKycModal] = useState<boolean>(false)
     const [isRiskAccepted, setIsRiskAccepted] = useState<boolean>(false)
     const { setError, error, setOnrampData, onrampData } = useOnrampFlow()
 
     const { balance } = useWallet()
@@ -116,7 +116,7 @@
 
     useEffect(() => {
         fetchUser()
     }, [])
 
     const peanutWalletBalance = useMemo(() => {
         return balance !== undefined ? formatAmount(formatUnits(balance, PEANUT_WALLET_TOKEN_DECIMALS)) : ''
@@ -213,9 +213,11 @@
         if (!validateAmount(rawTokenAmount)) return
 
         if (gate.kind !== 'ready') {
-            // capabilities still loading — silently no-op instead of flashing a
-            // needs_kyc modal on top of state we don't know yet.
-            if (gate.kind === 'loading') return
+            // capabilities still loading OR provider doing internal review —
+            // silently no-op instead of flashing a misleading needs_kyc modal.
+            // `waiting-on-provider` means the user has nothing to do; opening
+            // a KYC modal would imply otherwise.
+            if (gate.kind === 'loading' || gate.kind === 'waiting-on-provider') return
             if (gate.kind === 'accept-tos') {
                 guardWithTos()
             } else {
@@ -437,6 +439,7 @@
                         handleWarningConfirm()
                     }}
                     onSkip={hideTos}
+                    reasonCode={gate.kind === 'accept-tos' ? gate.reason?.code : undefined}
                 />
             </div>
         )

src/app/(mobile-ui)/withdraw/[country]/bank/page.tsx

@@ -178,7 +178,9 @@ export default function WithdrawBankPage() {
 
     const handleCreateAndInitiateOfframp = async () => {
         if (gate.kind !== 'ready') {
-            if (gate.kind === 'loading') return
+            // Loading and waiting-on-provider both mean "user has no action to
+            // take" — silently no-op instead of bouncing them through Sumsub.
+            if (gate.kind === 'loading' || gate.kind === 'waiting-on-provider') return
             if (gate.kind === 'accept-tos') {
                 guardWithTos()
             } else {
@@ -469,6 +471,7 @@ export default function WithdrawBankPage() {
                     handleCreateAndInitiateOfframp()
                 }}
                 onSkip={hideTos}
+                reasonCode={gate.kind === 'accept-tos' ? gate.reason?.code : undefined}
             />
 
             <InitiateKycModal

src/app/(mobile-ui)/withdraw/manteca/page.tsx

@@ -208,6 +208,19 @@ export default function MantecaWithdrawFlow() {
     /**
      * Detect Manteca onboarding-incomplete errors and redirect user to complete their profile.
      * Returns true if the error was handled (caller should return early).
+     *
+     * INTENTIONAL FALLBACK — NOT a primary code path. The KYC 2.0 architecture
+     * (engineering/projects/kyc-2.0/final-plan.md) centralizes all data
+     * collection in Sumsub and submits to Manteca via the API (`submitToManteca`
+     * in peanut-api-ts). The Manteca hosted onboarding widget is dead-by-design
+     * — but we keep this last-resort redirect for the long tail of users who
+     * land in an incomplete Manteca state (partial provisioning, undelivered
+     * initial-onboarding API call). Without this escape hatch they'd be stuck
+     * at withdraw time with no actionable error.
+     *
+     * Right fix: root-cause why `submitToManteca` sometimes leaves users
+     * half-onboarded, fix that, delete this fallback + `/manteca/initiate-onboarding`
+     * route + `mantecaApi.initiateOnboarding` client. Tracked separately.
      */
     const handleOnboardingError = useCallback(async (error: string): Promise<boolean> => {
         const onboardingErrorPatterns = ['fund origin', 'profile incomplete', 'onboarding required']

src/components/AddWithdraw/AddWithdrawCountriesList.tsx

@@ -110,10 +110,12 @@ const AddWithdrawCountriesList = ({ flow }: AddWithdrawCountriesListProps) => {
     const checkBridgeGate = useCallback(
         (onAfterTos?: () => void): boolean => {
             if (gate.kind !== 'ready') {
-                // capabilities still loading — caller should wait, NOT open a KYC modal
-                // on top of state we don't yet know (would falsely "needs_kyc" an approved
-                // user mid-load). Returning true keeps the caller's early-return path.
-                if (gate.kind === 'loading') return true
+                // capabilities still loading OR provider doing internal review —
+                // caller should wait, NOT open a KYC modal. For `loading` we
+                // don't yet know if the user is approved. For `waiting-on-provider`
+                // (Bridge KYC review, post_processing) there's no user action to
+                // take; opening the modal would imply otherwise.
+                if (gate.kind === 'loading' || gate.kind === 'waiting-on-provider') return true
                 if (gate.kind === 'accept-tos') {
                     pendingAfterTosRef.current = onAfterTos ?? null
                     guardWithTos()
@@ -142,9 +144,12 @@ const AddWithdrawCountriesList = ({ flow }: AddWithdrawCountriesListProps) => {
         // unified bridge gate: tos → fixable rejection → blocked → enrollment
         // return a non-visible error to prevent the form from treating this as success
         if (gate.kind !== 'ready') {
-            // capabilities still loading — silently no-op (don't show a KYC modal on
-            // top of state we don't yet know).
-            if (gate.kind === 'loading') return { error: 'gate_blocked', silent: true }
+            // capabilities still loading OR provider doing internal review —
+            // silently no-op (don't show a KYC modal). `waiting-on-provider`
+            // means no user action available.
+            if (gate.kind === 'loading' || gate.kind === 'waiting-on-provider') {
+                return { error: 'gate_blocked', silent: true }
+            }
             if (gate.kind === 'accept-tos') {
                 guardWithTos()
             } else {
@@ -338,6 +343,7 @@ const AddWithdrawCountriesList = ({ flow }: AddWithdrawCountriesListProps) => {
                     else formRef.current?.handleSubmit()
                 }}
                 onSkip={hideTos}
+                reasonCode={gate.kind === 'accept-tos' ? gate.reason?.code : undefined}
             />
             <SumsubKycModals flow={sumsubFlow} />
         </>

src/components/Claim/Link/views/BankFlowManager.view.tsx

@@ -165,9 +165,13 @@ export const BankFlowManager = (props: IClaimScreenProps) => {
             // for logged-in users, check bank-rail readiness before proceeding
             const isGuestFlow = bankClaimType === BankClaimType.GuestBankClaim
             if (!isGuestFlow && gate.kind !== 'ready') {
-                // capabilities still loading — silently return; the CTA that triggered
-                // this should be disabled too, but defend against double-click races.
-                if (gate.kind === 'loading') return
+                // capabilities still loading OR provider doing internal review —
+                // silently return; the CTA that triggered this should be disabled
+                // too, but defend against double-click races. `waiting-on-provider`
+                // means there's no user action to take (Bridge KYC review,
+                // post_processing), so opening the KYC modal would falsely imply
+                // the user has something to do.
+                if (gate.kind === 'loading' || gate.kind === 'waiting-on-provider') return
                 if (gate.kind === 'accept-tos') {
                     guardWithTos()
                 } else {
@@ -523,6 +527,7 @@ export const BankFlowManager = (props: IClaimScreenProps) => {
                                 handleCreateOfframpAndClaim(localBankDetails)
                             }}
                             onSkip={hideTos}
+                            reasonCode={gate.kind === 'accept-tos' ? gate.reason?.code : undefined}
                         />
                         <InitiateKycModal
                             visible={showKycModal}

src/components/Kyc/BridgeTosStep.tsx

@@ -12,11 +12,38 @@ interface BridgeTosStepProps {
     visible: boolean
     onComplete: () => void
     onSkip: () => void
+    /**
+     * BE-emitted reason code from the rail capability (`reason.code`). Used
+     * solely to vary copy between Bridge's base ToS (`bridge_tos_required`,
+     * US/ACH/Wire) and the SEPA v2 ToS (`bridge_tos_v2_required`, EUR + GBP
+     * inherited). The Bridge `tos_acceptance_link` endpoint is opaque to
+     * endorsement — Bridge serves the correct ToS based on the customer's
+     * pending requirements — so this prop ONLY affects user-facing copy, not
+     * the endpoint we call. Defaults to base copy if absent.
+     */
+    reasonCode?: string
 }
 
+// Capability reason codes emitted by the BE resolver for Bridge ToS rails.
+// Pinned as `const` so the comparison below catches typos at compile time —
+// the upstream `CapabilityReason.code` is a free-form string by contract.
+const BRIDGE_TOS_V2_REQUIRED = 'bridge_tos_v2_required' as const
+
+const TOS_COPY = {
+    base: {
+        title: 'Accept Terms of Service',
+        description: "To enable bank transfers, you need to accept our payment partner's Terms of Service.",
+    },
+    sepa: {
+        title: 'Accept SEPA Terms of Service',
+        description:
+            "To enable EUR (SEPA) and GBP (Faster Payments) bank transfers, you need to accept our payment partner's updated Terms of Service.",
+    },
+} as const
+
 // shown immediately after sumsub kyc approval when bridge rails need ToS acceptance.
 // displays a prompt, then opens the bridge ToS iframe.
-export const BridgeTosStep = ({ visible, onComplete, onSkip }: BridgeTosStepProps) => {
+export const BridgeTosStep = ({ visible, onComplete, onSkip, reasonCode }: BridgeTosStepProps) => {
     const { fetchUser } = useAuth()
     const [showIframe, setShowIframe] = useState(false)
     const [tosLink, setTosLink] = useState<string | null>(null)
@@ -80,17 +107,17 @@ export const BridgeTosStep = ({ visible, onComplete, onSkip }: BridgeTosStepProp
 
     if (!visible) return null
 
+    const copy = reasonCode === BRIDGE_TOS_V2_REQUIRED ? TOS_COPY.sepa : TOS_COPY.base
+
     return (
         <>
             {/* confirmation modal — hidden when iframe is open or ToS is being confirmed */}
             <ActionModal
                 visible={visible && !showIframe && !isConfirming}
                 onClose={onSkip}
                 icon={error ? ('alert' as IconName) : ('badge' as IconName)}
-                title={error ? 'Could not load terms' : 'Accept Terms of Service'}
-                description={
-                    error || "To enable bank transfers, you need to accept our payment partner's Terms of Service."
-                }
+                title={error ? 'Could not load terms' : copy.title}
+                description={error || copy.description}
                 ctas={[
                     {
                         text: isLoading ? 'Loading...' : error ? 'Try again' : 'Accept Terms',