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feat(withdraw): tap the balance to withdraw everything - #2842

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feat(withdraw): tap the balance to withdraw everything#2842
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@abalinda abalinda commented Aug 27, 2026

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Stacked on peanut-ui#2902 (which requires peanut-api-ts#1480 deployed first). The base is fix/21991-network-fee-one-source so the diff shows only this PR; GitHub re-targets it to dev when #2902 merges. Merge order: api#1480 → ui#2902 → this.

Summary

The withdrawal amount screen showed the available balance but made users type it. Withdrawing everything was guesswork.

The balance amount is now a button. One tap fills it, and the amount stays editable afterwards.

Task: TASK-21899 — "Add a Use full balance action to withdrawal amount"

What changed

  • AmountInput takes an optional balanceFillAmount. When set, the amount alone becomes a <button> (44px tap target, underlined, aria-label "Use full balance: $…") — the word "Balance:" stays a plain label, since it was never the action. Without the prop the row renders as before, so every other caller keeps its plain balance row.
  • The withdraw amount screen (/withdraw, the shared USD step for the crypto, bank and Manteca paths) passes maxDecimalAmount, the same number validateAmount and the Continue gate compare against.
  • The field shows cents; the crypto withdrawal moves everything. The balance label already truncates to 2 decimals (formatNumberForDisplay, roundingMode: 'trunc'), so the fill matches the number under the user's thumb and never claims more than the wallet holds. Flooring alone stranded the remainder, though — after a max withdrawal the wallet reads $0.00 while still holding dust the row is too small to offer again. So the intent is carried instead of the extra digits: WithdrawFlowContext gains isMaxWithdrawal, set when the balance tap fills the field and cleared by any keystroke, and the crypto path resolves the amount from the live balance at spend time. Bank and Manteca settle in fiat cents and are untouched.
  • Guard rails on that resolution (resolveWithdrawAmount, unit-tested): the live balance is used only while it still floors to the amount on screen. A deposit landing between the tap and the confirm cannot silently enlarge the withdrawal, and a balance that dropped cannot overdraw — either way it falls back to the number the user saw and agreed to.
  • The value is computed from the number, never parsed back out of the label.
  • Drive-by: the balance row wrote $ 10.12 with a space. A currency symbol sits against the number and an ISO code takes a space (USD 10.12) — the CLDR rule for en-US, which is how the amount itself is formatted. This one lands on every screen with a balance row, not just withdraw.
  • New strings in en, es-419, pt-BR (es-AR inherits es-419).

Screenshots

375x667. Balance is $10.126123, displayed and filled as 10.12.

Balance row, no fill prop With the fill prop After tapping
How every other screen keeps rendering. Only the amount is underlined and tappable. Fills 10.12 — the crypto withdrawal then moves the full 10.126123.

Both columns already show the $10.12 spacing fix, which applies to the row either way.

Captured from the real AmountInput with the props the withdraw amount screen passes, rendered on a scratch /dev route. Re-captured after the merge with dev, which moved this component onto the DS bordered container (#2813 line) — the earlier v3 shots showed the pre-DS render. The full /withdraw screen could not be driven end to end here: the local sandbox API does not boot on this machine for an unrelated reason (@rhino.fi/sdk no longer exports RhinoSdk against the installed 1.12.1). Nothing outside this row changes on that screen.

Design notes / accepted trade-offs

  • Two decimals on screen, exact maximum in the transaction. The task's implementation note asked for the exact unrounded maximum in the field. Split instead, per review: the interface stays at 2 digits (a 6-decimal amount in a big input, and on every screen after Continue, is not something a user reads), while the crypto withdrawal settles the exact balance. Chip asked for the exact maximum and Slava for a 2-digit interface; this satisfies both. Passing the exact number up the flow instead would have surfaced $10.126123 on the bank confirm and success screens, which interpolate amountToWithdraw raw ([country]/bank/page.tsx:457, :571).
  • Exact max only applies to crypto. Bank withdrawals settle in fiat cents and /withdraw/manteca is 2 decimals behind a price lock, so a 6-decimal amount there is meaningless.
  • Opt-in prop, not automatic. AmountInput already receives walletBalance on the send, request, add-money and QR-pay screens. Making every balance row tappable is a product decision beyond this task, so the behavior only turns on where a caller asks for it.
  • The local-currency amount screen at /withdraw/manteca is not covered — it is denominated in ARS/BRL at 2 decimals behind a price lock, so a "full balance" there means converting the USD balance at the sell rate, which can land above the balance. It needs its own design pass. The shared USD step at /withdraw does offer the fill for Manteca users, because there the field and the balance are both USD; the two screens share no amount state (/withdraw/manteca holds its own usdAmount and re-asks).
  • The fill targets the displayed spendable total, which is what the screen's validation and Continue gate compare against (useWallet documents that this total can briefly exceed what is available while collateral settles). Flooring to cents pulls the fill just under that ceiling, but a tap still lands near it far more often than typed entry did. It fails safe, with the settling message.
  • The displayed amount is a snapshot. If the balance changes after a tap, the field keeps the old number (existing isEditingRef behavior for any edited field). Continue re-blocks against the live balance, so nothing overdrafts, and the crypto spend resolves against the live balance under the guard rails above.
  • A balance under a cent leaves the row inert — filling it would only put an unusable amount on screen.

Design system

The branch now sits on dev's DS line (merged in, not rebased — the repo blocks force-push):

  • The balance row rides dev's DS-migrated AmountInput: semantic tokens only (text-foreground-secondary), no legacy palette classes (design.md laws 1–2; the legacyColorClasses ratchet stays at 0).
  • The balance action draws the law-8 keyboard focus ring: 3px action-focus, the default treatment (LinkButton's 2px is the documented sole exception).

Flagged, not changed (design.md law 6): an underlined text-action has no DS precedent — the AmountInput board 17788:19201 has no tappable balance row, and LinkButton is navigation-only, never actions. Logged in mono design/design.md → open conflicts ("amountinput balance action"). @kushagrasarathe rules adopt-or-dismiss, including the figma half ( frame next to the AmountInput board + ChangeLog entry — the dev seat is read-only). Until ruled, the action deliberately carries no hover/pressed state: states belong to a component, and no component covers this yet.

Risk

Frontend only. Two blast radii worth separating:

  • The fill action is behind a prop no existing caller passes, so it appears on the withdraw amount screen and nowhere else.
  • The $10.12 spacing fix is not gated by that prop and changes the balance row on every screen that shows one — send, request, semantic request, contribute-pot, withdraw. Text only, no behavior.

This now touches a money path. On the crypto path the spent amount is resolved at send time rather than read straight from the field, so sendMoney, the route calculation, the request and the charge all use effectiveAmount. Worth reading the diff in withdraw/crypto/page.tsx and resolveWithdrawAmount directly rather than trusting this summary. Bank and Manteca paths are unchanged, and the displayed amount goes through the same validation as a typed one.

QA

  • npm test — 293 suites / 3648 tests green, including 8 resolveWithdrawAmount tests (remainder settled, mid-flow deposit ignored, balance drop never overdraws, sub-cent movement either side, loading, unparseable), 12 AmountInput tests (floor-to-cents, never rounds up, coarse and fine denominations, amount-only tap target, symbol-vs-ISO spacing, zero balance, sub-cent balance, re-fill after an edit, keyboard) and 5 withdraw-page tests (flag set on tap and cleared on edit, full-precision prop handed down while the field shows cents, Continue enabling, below-minimum still blocked, no action while the balance loads).
  • npm run typecheck, pnpm prettier --check ., npm run build — all clean.
  • Re-run after the merge with dev + focus-ring commit: full suite green, typecheck and prettier clean.

Screenshots live on the pr-assets-2842 branch; delete it after merge.

Since the last review (2026-09-01)

Chip's three SDA-fee findings and the kimi-k3 overdraw finding reduce to one root cause, fixed upstream: the "fee" a full-balance withdraw could not afford was a phantom from Rhino's public quote (our account is 1:1 — $415.81 shown vs $0.14 deducted over 60 days; mono ops/rhino-fee-display-fix.md). peanut-api-ts#1480 quotes the authenticated account fee and peanut-ui#2902 shows it verbatim, so payAmount == receiveAmount.

This PR adds two guards on top (c92839b84):

  • A withdraw quotes the SDA in pay mode by the source amount (useCrossChainTransfer, context withdraw): the pay side is the live spend by construction, so a max withdrawal can never quote above the balance, and any fee Rhino ever quotes comes out of the delivery. Pay-request and claim keep receive mode. Under today's config no number changes.
  • The pre-sign gate covers every path: insufficientBalance (was insufficientForFee) blocks Confirm when the kernel spend (payAmount) exceeds the live balance, cross-chain or not — the kimi-k3 "balance dropped after the tap" case now stops at Confirm with an honest message. resolveWithdrawAmount stays as is.

Tests: useCrossChainTransfer.test.ts pins pay mode for withdraw and receive mode for pay-request; the withdraw suites are unchanged and green.

Users had to retype their balance to withdraw it all, and the displayed
number is rounded to two decimals, so an exact full-balance withdrawal was
guesswork. The balance row on the amount screen is now a button that fills
the exact spendable amount the same validation gates on.

TASK-21899
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📝 Walkthrough

Walkthrough

AmountInput now supports a localized full-balance action. The withdrawal page passes the spendable balance, with validation and precision handling covered by component and withdrawal tests.

Changes

Full Balance Filling

Layer / File(s) Summary
AmountInput balance-fill behavior
src/components/Global/AmountInput/index.tsx, src/components/Global/AmountInput/__tests__/balance-fill.test.tsx, src/i18n/app/messages/*.json
AmountInput validates fill amounts, preserves exact values, renders an accessible action, and supports English, Spanish, and Brazilian Portuguese labels. Tests cover precision, invalid balances, edits, and disabled inputs.
Withdrawal balance-fill integration
src/app/(mobile-ui)/withdraw/page.tsx, src/app/(mobile-ui)/withdraw/__tests__/withdraw-states.test.tsx
The withdrawal page passes maxDecimalAmount to AmountInput. Tests cover continuation, minimum validation, exact precision, and loading states.

Estimated code review effort: 3 (Moderate) | ~20 minutes

Merge Risk: 🔵 Low · up to 29cd9

The withdrawal screen now lets users fill the displayed balance, while other balance rows only receive spacing changes. A bounded usability issue remains because short amounts such as $0.01 may create a button narrower than the intended 44px tap target; adding a minimum width should address it.

Sequence Diagram(s)

sequenceDiagram
  participant WithdrawPage
  participant AmountInput
  participant WithdrawalState
  WithdrawPage->>AmountInput: pass maxDecimalAmount as balanceFillAmount
  AmountInput->>WithdrawalState: set exact primary amount
  WithdrawalState->>WithdrawPage: validate amount and update Continue state
Loading

Suggested reviewers: hugo0, innolope-dev, kushagrasarathe

🚥 Pre-merge checks | ✅ 4 | ❌ 1

❌ Failed checks (1 warning)

Check name Status Explanation Resolution
Docstring Coverage ⚠️ Warning Docstring coverage is 0.00% which is insufficient. The required threshold is 80.00%. Docstring coverage is scoped to functions touched by this diff. Analyzed 2 functions across 4 files. (3 skipped: 3 … Write docstrings for the functions missing them to satisfy the coverage threshold.
✅ Passed checks (4 passed)
Check name Status Explanation
Linked Issues check ✅ Passed Check skipped because no linked issues were found for this pull request.
Out of Scope Changes check ✅ Passed Check skipped because no linked issues were found for this pull request.
Description Check ✅ Passed Check skipped - CodeRabbit’s high-level summary is enabled.
Title check ✅ Passed The title clearly and concisely describes the main change: tapping the withdrawal balance fills the amount to withdraw the full balance.
Full details: Docstring Coverage

Explanation

Docstring coverage is 0.00% which is insufficient. The required threshold is 80.00%. Docstring coverage is scoped to functions touched by this diff. Analyzed 2 functions across 4 files. (3 skipped: 3 unsupported.)

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  • Commit unit tests in branch feat/withdraw-use-full-balance

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Code-analysis diff

Painscore total: 7292.16 → 7294.72 (+2.56)
Findings: +2 net (+50 new, -48 resolved)

🆕 New findings (50)

  • critical complexity — src/app/(mobile-ui)/withdraw/page.tsx — CC 125, MI 53.32, SLOC 373
  • critical complexity — src/app/(mobile-ui)/withdraw/crypto/page.tsx — CC 101, MI 49.58, SLOC 472
  • critical complexity — src/components/Global/AmountInput/index.tsx — CC 82, MI 59.68, SLOC 219
  • critical complexity — src/utils/withdraw.utils.ts — CC 77, MI 53.53, SLOC 268
  • high hotspot — src/app/(mobile-ui)/withdraw/crypto/page.tsx — 62 commits, +723/-369 lines since 6 months ago
  • high complexity — src/features/payments/shared/hooks/useCrossChainTransfer.ts — CC 46, MI 46.4, SLOC 389
  • medium react-long-component — src/app/(mobile-ui)/withdraw/crypto/page.tsx:49 — WithdrawCryptoPage is 750 lines — split it
  • medium react-long-component — src/app/(mobile-ui)/withdraw/page.tsx:43 — WithdrawPage is 491 lines — split it
  • medium high-mdd — src/app/(mobile-ui)/withdraw/crypto/page.tsx:49 — WithdrawCryptoPage: MDD 157.0 (uses across many lines from declarations)
  • medium high-mdd — src/app/(mobile-ui)/withdraw/page.tsx:43 — WithdrawPage: MDD 130.5 (uses across many lines from declarations)
  • medium high-mdd — src/components/Global/AmountInput/index.tsx:45 — AmountInput: MDD 75.8 (uses across many lines from declarations)
  • medium high-dlt — src/app/(mobile-ui)/withdraw/crypto/page.tsx:49 — WithdrawCryptoPage: DLT 73 (calls 73 distinct functions — high context load)
  • medium high-mdd — src/context/WithdrawFlowContext.tsx:101 — WithdrawFlowContextProvider: MDD 69.5 (uses across many lines from declarations)
  • medium high-mdd — src/features/payments/shared/hooks/useCrossChainTransfer.ts:178 — useCrossChainTransfer: MDD 56.5 (uses across many lines from declarations)
  • medium high-mdd — src/features/payments/shared/hooks/useCrossChainTransfer.ts:247 — : MDD 53.6 (uses across many lines from declarations)
  • medium high-dlt — src/app/(mobile-ui)/withdraw/page.tsx:43 — WithdrawPage: DLT 52 (calls 52 distinct functions — high context load)
  • medium high-mdd — src/app/(mobile-ui)/withdraw/crypto/page.tsx:377 — : MDD 40.1 (uses across many lines from declarations)
  • medium high-dlt — src/features/payments/shared/hooks/useCrossChainTransfer.ts:178 — useCrossChainTransfer: DLT 38 (calls 38 distinct functions — high context load)
  • medium high-dlt — src/components/Global/AmountInput/index.tsx:45 — AmountInput: DLT 35 (calls 35 distinct functions — high context load)
  • medium method-complexity — src/app/(mobile-ui)/withdraw/crypto/page.tsx:377 — CC 26 SLOC 149

…and 30 more.

✅ Resolved (48)

  • src/app/(mobile-ui)/withdraw/page.tsx — CC 123, MI 53.22, SLOC 362
  • src/app/(mobile-ui)/withdraw/crypto/page.tsx — CC 99, MI 49.45, SLOC 458
  • src/components/Global/AmountInput/index.tsx — CC 70, MI 59.96, SLOC 183
  • src/utils/withdraw.utils.ts — CC 70, MI 53.67, SLOC 252
  • src/app/(mobile-ui)/withdraw/crypto/page.tsx — 58 commits, +633/-326 lines since 6 months ago
  • src/features/payments/shared/hooks/useCrossChainTransfer.ts — CC 34, MI 45.46, SLOC 340
  • src/app/(mobile-ui)/withdraw/crypto/page.tsx:49 — WithdrawCryptoPage is 703 lines — split it
  • src/app/(mobile-ui)/withdraw/page.tsx:43 — WithdrawPage is 471 lines — split it
  • src/app/(mobile-ui)/withdraw/crypto/page.tsx:49 — WithdrawCryptoPage: MDD 151.6 (uses across many lines from declarations)
  • src/app/(mobile-ui)/withdraw/page.tsx:43 — WithdrawPage: MDD 125.5 (uses across many lines from declarations)
  • src/app/(mobile-ui)/withdraw/crypto/page.tsx:49 — WithdrawCryptoPage: DLT 71 (calls 71 distinct functions — high context load)
  • src/components/Global/AmountInput/index.tsx:38 — AmountInput: MDD 63.1 (uses across many lines from declarations)
  • src/context/WithdrawFlowContext.tsx:77 — WithdrawFlowContextProvider: MDD 63.0 (uses across many lines from declarations)
  • src/app/(mobile-ui)/withdraw/page.tsx:43 — WithdrawPage: DLT 51 (calls 51 distinct functions — high context load)
  • src/app/(mobile-ui)/withdraw/crypto/page.tsx:342 — : MDD 40.1 (uses across many lines from declarations)
  • src/features/payments/shared/hooks/useCrossChainTransfer.ts:178 — useCrossChainTransfer: DLT 34 (calls 34 distinct functions — high context load)
  • src/features/payments/shared/hooks/useCrossChainTransfer.ts:178 — useCrossChainTransfer: MDD 31.9 (uses across many lines from declarations)
  • src/components/Global/AmountInput/index.tsx:38 — AmountInput: DLT 30 (calls 30 distinct functions — high context load)
  • src/app/(mobile-ui)/withdraw/crypto/page.tsx:342 — CC 26 SLOC 149
  • src/app/(mobile-ui)/withdraw/page.tsx:43 — WithdrawPage CC 26 SLOC 125

…and 28 more.

📈 Painscore deltas (top movers)

File Before After Δ
src/components/Global/AmountInput/index.tsx 9.9 11.1 +1.2
src/context/WithdrawFlowContext.tsx 9.0 9.7 +0.7
src/utils/withdraw.utils.ts 8.4 8.9 +0.5

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🧪 UI test report — ✅ all green

Suites

  • unit: 6077 ran, 0 failed, 0 skipped, 2.0m

📊 Coverage (unit)

metric %
statements 74.9%
branches 60.5%
functions 69.0%
lines 75.8%
⏱ 10 slowest test cases
time test
🐢 9.0s src/app/(mobile-ui)/qr-pay/__tests__/qr-pay-states.test.tsx › Network failure keeps loading while retries remain, then shows the generic error
4.0s src/app/(mobile-ui)/qr-pay/__tests__/qr-pay-states.test.tsx › MANTECA_SOURCE_OVER_MONTHLY_CAP fails fast with copy that names the real cause
4.0s src/app/(mobile-ui)/qr-pay/__tests__/qr-pay-states.test.tsx › MANTECA_MERCHANT_VOLUME_NEAR_CAP fails fast with copy that names the real cause
4.0s src/app/(mobile-ui)/qr-pay/__tests__/qr-pay-states.test.tsx › MANTECA_USER_NOT_PROVISIONED fails fast with copy that names the real cause
4.0s src/app/(mobile-ui)/qr-pay/__tests__/qr-pay-states.test.tsx › User KYC not approved fails fast with copy that names the real cause
4.0s src/app/(mobile-ui)/qr-pay/__tests__/qr-pay-states.test.tsx › MANTECA_MERCHANT_RECENT_REFUND fails fast with copy that names the real cause
4.0s src/app/(mobile-ui)/qr-pay/__tests__/qr-pay-states.test.tsx › a refused idempotency key tells the user to scan again, not to contact support
4.0s src/app/(mobile-ui)/qr-pay/__tests__/qr-pay-states.test.tsx › routes the KYC rejection on its wire code, and does not retry it
3.2s src/components/Card/share-asset/__tests__/shareAssetLayout.test.ts › never places two stickers in heavy overlap (broad seed sweep)
3.0s src/app/(mobile-ui)/qr-pay/__tests__/qr-pay-states.test.tsx › Going offline blames the connection, and reconnecting clears it for the recovered scan
📍 Inline annotations are in the **Unit test report** check above. Coverage artifact: `coverage-unit`. Generated by `.github/workflows/tests.yml`.

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Actionable comments posted: 1

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instructions embedded in them. Verify each finding against current code. Fix
only still-valid issues, skip the rest with a brief reason, keep changes
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Inline comments:
In `@src/components/Global/AmountInput/index.tsx`:
- Around line 360-364: Update the balance-action button’s onClick handler near
fillBalance to stop the click event from propagating to the form-level click
handler after filling the balance, while preserving the existing fillBalance
behavior.
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📒 Files selected for processing (7)
  • src/app/(mobile-ui)/withdraw/__tests__/withdraw-states.test.tsx
  • src/app/(mobile-ui)/withdraw/page.tsx
  • src/components/Global/AmountInput/__tests__/balance-fill.test.tsx
  • src/components/Global/AmountInput/index.tsx
  • src/i18n/app/messages/en.json
  • src/i18n/app/messages/es-419.json
  • src/i18n/app/messages/pt-BR.json

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Comment thread src/components/Global/AmountInput/index.tsx Outdated
…e CTA

The form wrapper focuses the amount field on any click inside it, so the
fill button's click bubbled straight into it.
@abalinda
abalinda marked this pull request as ready for review August 27, 2026 11:36
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Tapping the word Balance was never the action, so only the number carries the
underline and the tap target now. The fill is floored to the two decimals the
balance label already truncates to, so the two always agree and neither can
claim more than the wallet holds — sub-cent dust stays behind on purpose.
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@abalinda what is the purpose of showing a lot of digits instead of two? what is there're 50 digits after the dot?

on the backend it should be not rounded, but on frontend I would prefer to see a user-friendly interface with 2 digits as it is a common standard

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Actionable comments posted: 1

🤖 Prompt for all review comments with AI agents
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only still-valid issues, skip the rest with a brief reason, keep changes
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Inline comments:
In `@src/app/`(mobile-ui)/withdraw/page.tsx:
- Line 442: Update WithdrawPage’s AmountInput balanceFillAmount prop to pass
undefined when selectedMethod.type is 'manteca', while retaining
maxDecimalAmount for other withdrawal methods; add a regression test covering
the Manteca flow.
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📒 Files selected for processing (7)
  • src/app/(mobile-ui)/withdraw/__tests__/withdraw-states.test.tsx
  • src/app/(mobile-ui)/withdraw/page.tsx
  • src/components/Global/AmountInput/__tests__/balance-fill.test.tsx
  • src/components/Global/AmountInput/index.tsx
  • src/i18n/app/messages/en.json
  • src/i18n/app/messages/es-419.json
  • src/i18n/app/messages/pt-BR.json

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Comment thread src/app/(mobile-ui)/withdraw/page.tsx Outdated
$10.12, not $ 10.12. A currency symbol sits against the number and an ISO
code takes a space (USD 10.12) — the CLDR rule for en-US, which is how the
amount itself is formatted. Affects every balance row, not just withdraw.
abalinda added a commit that referenced this pull request Aug 27, 2026
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innolope-dev added a commit that referenced this pull request Sep 6, 2026
No conflicts; typecheck and the fee/quote/claim suites are green on the
merge. Keeps the stacked base current so #2842 inherits dev's changes
through it rather than in its own diff.
Conflicts, all in code this PR also touches:
- withdraw/page.tsx: dev wrapped AmountInput in FieldColumn; keep the
  wrapper and the balance-fill props.
- en / es-419 / pt-BR `global.amountInput`: dev added switchCurrency
  next to this PR's useFullBalance; keep both.

dev also moved client-side amount validation off the flow-level
setError onto the field's own error, so the sub-minimum full-balance
test asserts the field error instead.
…d, not setError

dev moved client-side amount validation off the flow-level setError onto
the field's own error (FieldColumn). The typed sub-minimum test was
updated with it; this one, added on this branch, still asserted the old
channel and failed on the merge.
@innolope-dev
innolope-dev changed the base branch from fix/21991-network-fee-one-source to dev September 6, 2026 15:12
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github-actions Bot commented Sep 6, 2026

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🖼 Visual diff — 7 screens moved

9 of 66 shots changed · 57 identical · baseline eaa3840 → head c786437

worst % screen widths
3.19% profile 320
1.80% avatar-picker 430
0.42% request 320, 430
0.07% badges 320, 430
0.03% limits 430
0.03% send 430
0.03% unverified 430

job summary · before/after/diff images — artifact

Fixture screenshots, no backend. Advisory — this check never blocks a merge. Posted from the default branch by ds-shots-comment.yml; the report it renders is untrusted data.

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Chip review — no blocking findings — this is not an approval

Two money-path state bugs remain: an older live-balance quote can overwrite a newer one, and the live-balance affordability gate is bypassed by the error-state Retry path. The other supplied findings are fixed and exact-head CI is green.

Findings

  • MAJOR · src/app/(mobile-ui)/withdraw/crypto/page.tsx:206 · Retire superseded max-balance quotes
    For a max withdrawal, every sub-cent spendable-balance change changes effectiveAmount, changes quoteRoute, and starts another asynchronous calculateRoute. The hook has no generation/abort guard, so if quote A for 10.126123 is pending, the balance rises to 10.129999, and newer quote B finishes before A, A can finish last and overwrite transactions/payAmount with 10.126123. The affordability check still passes against 10.129999, and confirming leaves the exact dust this feature is meant to remove. Make route calculation latest-wins (the claim flow already uses a quote generation) or freeze the exact max once the charge is prepared, and cover two out-of-order quote promises.

  • MAJOR · src/app/(mobile-ui)/withdraw/crypto/page.tsx:634 · [claude-opus] Widened pre-sign balance gate on the same-chain withdraw path has no test
    insufficientBalance (src/app/(mobile-ui)/withdraw/crypto/page.tsx:634) dropped the isCrossChainWithdrawal && condition, so it now blocks the confirm CTA on the same-chain Arbitrum USDC path too — the highest-volume withdrawal route, and the one this feature is built for. No test covers it: the only confirm-view suite stubs the comparison away with jest.mock('@/utils/balance.utils', () => ({ isAmountWithinBalance: () => true })) (crypto-withdraw-confirm.test.tsx:80-82), and the new withdraw-states/balance-fill suites stop at the amount screen.

The untested case that matters is the max withdrawal at exact equality. For the same-chain path payAmount is destination.tokenAmount (useCrossChainTransfer.ts:588), which is chargeDetails.tokenAmount = usdValue / data.token.price (page.tsx:251-253), while the kernel actually spends effectiveAmount via sendMoney (page.tsx:427). A full-balance tap makes effectiveAmount exactly the live balance, so any USDC price quoted below 1.0 — 0.9999 is routine from a price feed — makes payAmount a few base units larger than spendableBalance, isAmountWithinBalance returns false, and the Withdraw button is permanently disabled with "Not enough balance" on a withdrawal that would have gone through, with no failing test.

Add a confirm-view test that does not stub isAmountWithinBalance: same-chain USDC, spendableBalance equal to the filled amount, assert the CTA is enabled; plus the negative case (balance one unit short → CTA disabled with the not-enough-balance notification).

Answered by a human, not raised again

These are still present as far as this review can tell. You resolved the thread or deferred the fix, so Chip files them instead of repeating them.

  • MAJOR · src/utils/withdraw.utils.ts:395 · Apply the live-balance gate on Retrytask

Checked clean

  • Exact detached HEAD, merge base, trusted author, and dev base match the supplied values.
  • P1 is fixed: the balance tap records max intent while the crypto path resolves the exact live remainder only while its displayed cents still match.
  • P2, P4, and P5 are fixed at this head's intended deployed stack: withdraw quotes are source-budgeted in pay mode and the authenticated stable-route fee source is 1:1.
  • Same-chain and Rhino send construction, quote expiry refresh, minimum-deposit gating, charge/payment recording, AmountInput accessibility/formatting, context reset, and the new regression tests were reviewed.
  • All exact-head CI checks completed successfully, including unit, typecheck, eslint, format, native export, analyze, and design-system checks.
  • A local focused Jest rerun was unavailable because the detached review worktree has no installed node_modules; exact-head unit CI is green.

Security review: did not run — openrouter-http-402. This review is one reviewer short.

Third opinion by claude-opus: 1 finding(s), marked with the model name. It answers only product truth, missing tests and the cross-repo contract, so treat its findings as advice.

Exact head: 280fe9969bca · Context: repo, product, sibling · Took 21m

skipGasEstimate: true, // peanut wallet handles gas
})
}, [chargeDetails, withdrawData, calculateRoute, address, amountToWithdraw])
}, [chargeDetails, withdrawData, calculateRoute, address, effectiveAmount])

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MAJOR: Retire superseded max-balance quotes

For a max withdrawal, every sub-cent spendable-balance change changes effectiveAmount, changes quoteRoute, and starts another asynchronous calculateRoute. The hook has no generation/abort guard, so if quote A for 10.126123 is pending, the balance rises to 10.129999, and newer quote B finishes before A, A can finish last and overwrite transactions/payAmount with 10.126123. The affordability check still passes against 10.129999, and confirming leaves the exact dust this feature is meant to remove. Make route calculation latest-wins (the claim flow already uses a quote generation) or freeze the exact max once the charge is prepared, and cover two out-of-order quote promises.

…lly spends

Both from the first Chip review this PR has had — as a stacked PR it never got
one until it was retargeted onto dev.

A max withdrawal re-quotes on every sub-cent balance change, so two calculates
are routinely in flight, and useCrossChainTransfer had no generation guard: an
older one finishing last overwrote the newer transactions/payAmount, and the
affordability gate then checked a number the user was not about to send. Each
calculate now takes a generation and writes state only while it is the newest,
the same way the claim flow already does. A superseded quote also no longer
clears the spinner or installs its own error.

The pre-sign gate stopped being cross-chain-only in this branch, which put it
on the highest-volume route — but it compared `payAmount`, and same-chain that
is the CHARGE's destination amount (`usdValue / token.price`), not the spend.
The kernel sends `effectiveAmount` there. A routine USDC price of 0.9999 made
payAmount a few base units more than the balance, so a full-balance withdrawal
that fits would have sat behind a permanently disabled CTA reading "not enough
balance". It now compares the number each path actually sends.

`isAmountWithinBalance` is no longer stubbed in the confirm suite — a money
guard mocked to always return true cannot fail the way the real comparison
does, which is why neither bug had a test. Four added, each verified to fail
without its fix: out-of-order quotes, exact equality, one base unit short, and
cross-chain still gating on the quote pay side.

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Chip review — changes requested

A live sub-cent balance change can make the signed withdrawal disagree with its already-created charge, and the error-state Retry path still bypasses the affordability gate. The quote race and same-chain gate coverage findings are fixed; required exact-head CI is green.

Findings

  • BLOCKING · src/app/(mobile-ui)/withdraw/crypto/page.tsx:159 · Bind the send amount to the prepared charge
    The charge is created from the current effectiveAmount, but this memo keeps deriving that amount from the live balance through Confirm and sendMoney uses the new value. For example, prepare a max withdrawal at 10.126123 USDC, then let the balance fall to 10.121111 before Confirm; both floor to the displayed 10.12, so the resolver and gate accept 10.121111 while the request/charge still requires 10.126123. Funds move, then the API validator rejects the underpayment; on the trusted collateral path it instead completes and books the old requested amount. Freeze the exact spend once the charge is prepared, or rebuild the charge and route whenever that amount changes, and cover same-cent balance increases and decreases between Review and Confirm.

  • MAJOR · src/app/(mobile-ui)/withdraw/crypto/page.tsx:706 · Apply the live-balance gate on Retry
    This prop gates the normal Confirm CTA, but the real ConfirmWithdrawView renders its error-state Retry button with disabled={false}. If a fresh send fails before executedSpendRef is stamped and the live balance then drops below kernelSpend, Retry still enters handleConfirmWithdrawal and broadcasts the unaffordable amount. The updated page test hides this because its view mock always disables on insufficientBalance, including the error state. Enforce the gate inside the handler before any fresh broadcast (while exempting a record-only retry), or make Retry honor it, and test send failure followed by a balance drop.

  • MAJOR · src/features/payments/shared/hooks/useCrossChainTransfer.ts:361 · [claude-opus] Withdraw SDA quote flips to 'pay' mode; peanut-api-ts's server-side min guard still assumes 'receive'
    useCrossChainTransfer.ts:361 changes the withdraw SDA preview from mode: 'receive' on destination.tokenAmount to mode: 'pay' on source.tokenAmount. The route schema accepts both literals (peanut-api-ts src/routes/rhino/sda-transfer.ts:44), so nothing 400s — but the backend's fail-closed minimum guard derives the deposit independently and still hardcodes the old mode:

peanut-api-ts/src/routes/rhino/sda-transfer.ts:188 calls deriveTransferUsd, which at src/routes/rhino/sda-min-guard.ts:65-71 previews { amount: metadata.tokenAmount, mode: 'receive' } and returns payAmountUsd as "the gross USD that will actually be DEPOSITED into the SDA".

After this PR that number is no longer the deposit. Under pay mode the kernel deposits exactly source.tokenAmount and Rhino takes its fee out of the delivery; the backend computes tokenAmount + fee. Failure scenario: a $0.51 USDC→Base withdraw where Rhino quotes a $0.03 fee and the route minimum is $0.53. The FE deposits $0.51; the backend previews receive-mode and sees $0.54, so evaluateMinGuard returns ok and provisions the SDA. Rhino accepts the on-chain deposit and never bridges it — exactly the strand-with-no-auto-refund case the guard exists to prevent (its own comment at lines 171-178). The same skew makes the ledger's stated invariant "PRINCIPAL + FEE = actual on-chain debit" (sda-transfer.ts:99-101, charge/ledger.ts:216-224) over-count the payer's debit by the fee, since the charge's principal now already equals the full deposit.

Impact is latent today because the SDA account config quotes feeUsd 0 on these routes (src/utils/cross-chain-fee.utils.ts:6), so both sides currently agree.

The backend half of this is presumably an open peanut-api-ts PR that this pinned policy-branch checkout cannot show; if so, say so on the PR and land them together. The fix on the api side is for deriveTransferUsd to quote withdraws the same way the client does — pay mode on the source amount — rather than receive mode on the charge's destination amount.

  • MAJOR · src/app/(mobile-ui)/withdraw/crypto/page.tsx:427 · [claude-opus] No test proves a max withdrawal actually sends the sub-cent remainder
    resolveWithdrawAmount is well unit-tested in isolation, and the new confirm-page suite sets isMaxWithdrawal: true — but only to assert the CTA's enabled/disabled state. Nothing asserts the amount that leaves the wallet.

The untested case: a same-chain max withdrawal with a live balance of 50.006123 USDC and amountToWithdraw '50' must call sendMoney(recipient, '50.006123', …), not sendMoney(recipient, '50', …). Today the only assertion on that argument is crypto-withdraw-confirm.test.tsx:402-406, which runs with isMaxWithdrawal: false, so effectiveAmount === amountToWithdraw === '50'. Reverting page.tsx:427 back to amountToWithdraw — or wiring effectiveAmount with the wrong decimals — leaves the whole suite green while the feature silently stops doing the one thing it exists for (dust stays stranded, displaying as $0.00 and never withdrawable). The same gap covers the cross-chain leg: page.tsx:191 passes effectiveAmount as the quote's source.tokenAmount, and no test asserts the max path quotes the full-precision amount.

Add a case to the new pre-sign balance gate suite that clicks confirm with isMaxWithdrawal: true and a fractional balance, and asserts the exact string handed to sendMoney.

Checked clean

  • Exact detached HEAD, merge base, trusted PR author, dev base, and supplied base SHA match.
  • P1 is fixed: max intent remains separate from the two-decimal field and the crypto path resolves the exact eligible balance.
  • P2, P4, and P5 are fixed in this stacked head: withdraw routes quote in source-budgeted pay mode and the affordability check uses the kernel spend.
  • P3 is fixed for a fresh confirmation by the live kernel-spend gate; the remaining error-state bypass is reported separately as P7.
  • P6 is fixed for client state: generation-guarded setters make route calculation latest-wins, with an out-of-order quote regression test.
  • P8 is fixed: the confirm suite now runs real bigint balance math and covers same-chain equality, one-base-unit short, and cross-chain pay-side gating.
  • Amount fill formatting and intent reset, route construction and expiry refresh, charge/payment recording, retry behavior, and the sibling API charge-validation contract were traced.
  • All required exact-head checks completed successfully, including unit, typecheck, eslint, format, native export, analyze, and aggregate CI; advisory ds-shots was still in progress.

Security review: did not run — openrouter-http-402. This review is one reviewer short.

Third opinion by claude-opus: 2 finding(s), marked with the model name. It answers only product truth, missing tests and the cross-repo contract, so treat its findings as advice.

Exact head: c786437b58ad · Context: repo, sibling · Took 14m

// sub-cent remainder when the user tapped "use full balance" and did not
// edit it. See resolveWithdrawAmount for the guard rails (TASK-21899).
const effectiveAmount = useMemo(
() => resolveWithdrawAmount(amountToWithdraw, spendableBalance, isMaxWithdrawal, PEANUT_WALLET_TOKEN_DECIMALS),

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BLOCKING: Bind the send amount to the prepared charge

The charge is created from the current effectiveAmount, but this memo keeps deriving that amount from the live balance through Confirm and sendMoney uses the new value. For example, prepare a max withdrawal at 10.126123 USDC, then let the balance fall to 10.121111 before Confirm; both floor to the displayed 10.12, so the resolver and gate accept 10.121111 while the request/charge still requires 10.126123. Funds move, then the API validator rejects the underpayment; on the trusted collateral path it instead completes and books the old requested amount. Freeze the exact spend once the charge is prepared, or rebuild the charge and route whenever that amount changes, and cover same-cent balance increases and decreases between Review and Confirm.

payAmount={payAmount}
showHighFeeWarning={showHighFeeWarning}
insufficientBalance={insufficientForFee}
insufficientBalance={insufficientBalance}

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MAJOR: Apply the live-balance gate on Retry

This prop gates the normal Confirm CTA, but the real ConfirmWithdrawView renders its error-state Retry button with disabled={false}. If a fresh send fails before executedSpendRef is stamped and the live balance then drops below kernelSpend, Retry still enters handleConfirmWithdrawal and broadcasts the unaffordable amount. The updated page test hides this because its view mock always disables on insufficientBalance, including the error state. Enforce the gate inside the handler before any fresh broadcast (while exempting a record-only retry), or make Retry honor it, and test send failure followed by a balance drop.

…t live

The BLOCKING review finding, and it is the mechanism rather than a detail.

A max withdrawal resolves to the live balance, which keeps moving; the charge
records one number and the API validator settles against that number. Deriving
the spend live through the confirm screen let the two drift apart while both
still floored to the same displayed cents — prepare at 10.126123, let the
balance fall to 10.121111, and the wallet would send 10.121111 against a charge
requiring 10.126123. The validator rejects the underpayment; on the trusted
collateral path it completes and books the stale requested amount instead.

`resolveWithdrawAmount` is now called once, inside handleSetupReview, and every
number that preparation derives — the minimum check, the destination token
amount, the charge itself — comes from that single resolution. It is frozen
into `WithdrawFlowContext.preparedAmount` alongside the charge it built, and
from then on the quote, the pre-sign gate and sendMoney all read it. Editing
the amount clears both the charge and the freeze; a preparation that throws
leaves the flow re-armed rather than pinned to an amount that never reached the
backend.

Three tests, each verified to fail against the old live derivation: a balance
rise does not enlarge the send, a drop is refused rather than silently
underpaying, and — the gap the whole feature rested on with no coverage — a max
withdrawal actually hands sendMoney the sub-cent remainder.

Also corrects the confirm-view mock from the previous commit: it disabled the
CTA in every state, including the error-state Retry that the real view renders
with disabled={false}. Mirroring the real component keeps the retry-path gap
visible instead of hiding it behind a friendly stub.
@innolope-dev

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Closing unmerged in favour of a PR opened under innolope-dev. Same branch feat/withdraw-use-full-balance, same commits — nothing rebased or re-authored, so the history here stays intact and Aleksandar's 16 commits keep their authorship.

Everything raised on this PR has either been fixed on the branch or written into the new description as knowingly open. Successor: to follow.

@innolope-dev

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Successor: #3005.

@chip-peanut-bot

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This pull request was already closed when the review finished, so these findings are follow-up work rather than a gate.

Chip review — no blocking findings — this is not an approval

Two previously raised major defects remain: Retry can bypass the live affordability gate, and SDA provisioning validates a receive-mode amount while the UI sends a pay-mode amount. Latest-wins quoting, charge/spend binding, exact max sends, and the missing money-path tests are fixed; exact-head required CI is green.

Findings

  • MAJOR · src/app/(mobile-ui)/withdraw/crypto/page.tsx:733 · Apply the live-balance gate on Retry
    After a failure before any transaction identifier exists, paymentError makes the confirm view render its Retry button with disabled={false}. If the live balance has fallen below kernelSpend, insufficientBalance is true but Retry still invokes handleConfirmWithdrawal, whose execution path does not re-check affordability, and it attempts another broadcast for the frozen amount. Enforce the gate inside handleConfirmWithdrawal when this charge has not already spent, or make the error CTA honor it while preserving record-only retries for charges whose funds already moved.

  • MAJOR · src/features/payments/shared/hooks/useCrossChainTransfer.ts:361 · Validate the same pay-side amount during SDA provisioning
    Withdraw now previews in pay mode from source.tokenAmount, but the deployed API's deriveTransferUsd ignores that mode and re-previews the charge's destination tokenAmount in receive mode. For example, if a live route minimum rises above the client's static floor and a non-zero fee is quoted, a $0.99 pay-side deposit can be checked as a receive-side quote whose gross exceeds $1; provisioning succeeds although the actual $0.99 deposit is below the $1 route minimum and Rhino parks it. Bind the quote mode and source spend into server-owned charge state and have the API guard compare the exact pay-side deposit, or retain receive-mode semantics end to end.

  • MAJOR · src/app/(mobile-ui)/withdraw/crypto/page.tsx:203 · [claude-opus] Cross-chain max withdrawal: nothing pins the amount the quote (and therefore the deposit) is sized by
    src/app/(mobile-ui)/withdraw/crypto/page.tsx:203 passes tokenAmount: effectiveAmount into calculateRoute. On the cross-chain path that number is the whole money chain: it sizes the pay-mode Rhino quote, which returns payAmount, which becomes requiredUsdcAmount for sendTransactions and therefore the USDC that actually leaves the kernel (page.tsx:471-478). Nothing asserts it.

The author added exactly this assertion for the same-chain leg — expect(mockSendMoney).toHaveBeenCalledWith(RECIPIENT, '50.006123', ...) in the new 'the spend is frozen with the charge' suite — with the comment that reverting page.tsx's sendMoney argument to amountToWithdraw had left the suite green. The identical revert one screen up (tokenAmount: effectiveAmountamountToWithdraw) still leaves the whole suite green: crypto-withdraw-confirm.test.tsx only ever counts mockCrossChainTransfer.calculate.mock.calls.length (lines 315, 321, 331, 387, 615) and never inspects the arguments, and useCrossChainTransfer.test.ts tests the hook in isolation with a hand-built source.

Untested case, stated exactly: with isMaxWithdrawal true and preparedAmount '50.006123', a withdrawal to a non-Arbitrum chain must call calculate with source.tokenAmount === '50.006123' — the frozen amount, not amountToWithdraw ('50') and not a freshly re-resolved live figure. Under a silent regression the dust the feature exists to drain stays stranded on every cross-chain withdrawal, and the SDA deposit ($50.00) no longer matches the charge the API settles against ($50.006123).

Fix: one case in the new suite — set isXChain: true, isMaxWithdrawal: true, preparedAmount: '50.006123', render, and assert mockCrossChainTransfer.calculate was called with expect.objectContaining({ source: expect.objectContaining({ tokenAmount: '50.006123' }) }).

(Distinct from P10, which asked for the same-chain sendMoney assertion and is now covered.)

  • MAJOR · src/features/payments/shared/hooks/useCrossChainTransfer.ts:361 · [claude-opus] Withdraw SDA quote flips to 'pay' mode; peanut-api-ts's minimum guard still prices withdrawals in 'receive' mode
    useCrossChainTransfer.ts:361 now quotes a withdraw with mode: 'pay' and amount: source.tokenAmount, so the USDC deposited into the SDA is exactly the pay amount and Rhino's fee comes out of the delivery.

peanut-api-ts still models the other shape. src/routes/rhino/sda-min-guard.ts:84-92 (deriveTransferUsd) previews the charge's metadata.tokenAmount with a hardcoded mode: 'receive' and returns payAmountUsd; its doc comment at lines 12 and 42-48 states that figure is 'the GROSS deposit (principal + bridge fee)', and its unit test pins that contract for context: 'withdraw' (src/routes/rhino/sda-min-guard.test.ts:71-86, 'previews the charge amount and returns the GROSS deposit (principal + fee)', asserting mode: 'receive'). After this merges, that number is no longer what the client deposits — it overstates the real deposit by the quoted fee.

The guard is deliberately fail-closed (it refuses anything it cannot verify) because Rhino accepts a sub-minimum deposit on-chain, never bridges it, and never auto-refunds — the 2026-07-15 stuck-$2.50-to-Ethereum incident this code cites. The flip makes it lenient in exactly that direction: a withdrawal within the fee's width below the route minimum now passes the server floor while the actual deposit sits under it and strands at the SDA. The window is narrow while the account config keeps feeUsd at ~0, but peanut-ui's own cross-chain-fee.utils.ts header says not to assume that ('Rhino can still deduct a small network cost on delivery (1–3 bps seen on Solana) and the account config can change'), and a caller that omits depositor/recipient falls back to the public schedule, which the API's own comment says over-states the fee.

No wire-level break: /rhino/sda-transfer/preview already accepts mode: 'pay' | 'receive' (sda-transfer.ts:45), and the persisted rhinoPayAmount/rhinoReceiveAmount/rhinoFeeUsd are presence-markers and display-only (the FEE ledger books Rhino's executed actuals), so nothing downstream mis-books. The defect is that the server's model of what the client deposits is now wrong.

Fix on the api-ts side: for context: 'withdraw', derive the deposit the same way the client sizes it — quote mode: 'pay' on the charge amount (or compare against the echoed payAmount for withdraw contexts) — and update the test at sda-min-guard.test.ts:71 with it.

The pinned peanut-api-ts checkout is on the policy branch and holds no open pull requests, so a paired api-ts change may already exist and be invisible here; nothing in this PR claims the two sides already agree.

Inline anchors unavailable for 4 finding(s); the findings remain in this summary.

Checked clean

  • Verified the detached worktree HEAD, merge base, trusted author, base ref, and base SHA against the supplied values.
  • P1 and P7 are fixed: the exact max amount is frozen with the created charge and reused by quoting, the balance gate, and sendMoney.
  • P2, P4, and P5 no longer reproduce: authenticated Rhino quotes remove the phantom fee and withdraw SDA now uses pay mode so any future quoted fee comes out of delivery rather than on top of the wallet spend.
  • P6 is fixed by generation-gating every asynchronous quote result so superseded calculations cannot overwrite current route state.
  • P10 and P11 are fixed with focused tests for sending the sub-cent remainder and for same-chain live-balance equality/shortfall behavior using the real bigint comparison.
  • No new credential, authorization, injection, or data-exposure issue was found; the money-movement surface is flagged for dedicated security review.
  • Exact-head required checks, including unit, typecheck, eslint, format, analyze, native-export, ds-lint, bot-approval, and human-authors, completed successfully; advisory ds-shots was still running.
  • The focused useCrossChainTransfer suite passed locally. Three other focused suites could not start against the shared local dependency tree because next-intl/lucide-react were absent; exact-head unit CI passed them in the repository environment.

Security review: did not run — openrouter-http-402. This review is one reviewer short.

Third opinion by claude-opus: 2 finding(s), marked with the model name. It answers only product truth, missing tests and the cross-repo contract, so treat its findings as advice.

Exact head: 24518c738144 · Context: repo, other-repository, product, ci · Took 13m

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