fix(fees): one fee source — Rhino's quoted fee verbatim, one NetworkFeeRow (TASK-21991)

src/app/(mobile-ui)/withdraw/crypto/__tests__/crypto-withdraw-confirm.test.tsx

@@ -239,6 +239,8 @@ const mockCrossChainTransfer = {
     isCalculating: false,
     isXChain: false,
     isDiffToken: false,
+    isFeeEstimationError: false,
+    quoteExpiresAt: null as string | null,
     error: null,
     calculate: jest.fn(),
     reset: jest.fn(),
@@ -274,7 +276,55 @@ const confirm = async () => {
 beforeEach(() => {
     jest.clearAllMocks()
     mockRecordPayment.mockResolvedValue(PAYMENT_RESULT)
-    Object.assign(mockCrossChainTransfer, { isXChain: false, isDiffToken: false })
+    Object.assign(mockCrossChainTransfer, { isXChain: false, isDiffToken: false, quoteExpiresAt: null })
+})
+
+describe('crypto withdraw confirm — expired Rhino quote', () => {
+    afterEach(() => jest.useRealTimers())
+
+    it('re-quotes instead of signing when the quote aged out while the screen sat open', async () => {
+        jest.useFakeTimers({ now: new Date('2026-09-01T12:00:00Z') })
+        // Fresh at render: expires in 60s.
+        Object.assign(mockCrossChainTransfer, {
+            isXChain: true,
+            quoteExpiresAt: new Date(Date.now() + 60_000).toISOString(),
+        })
+        render(<WithdrawCryptoPage />)
+
+        const quotesBeforeTap = mockCrossChainTransfer.calculate.mock.calls.length
+
+        // …then the user waits past it. No render happens in between.
+        jest.setSystemTime(Date.now() + 120_000)
+        fireEvent.click(screen.getByTestId('confirm-withdraw'))
+
+        await waitFor(() => expect(mockCrossChainTransfer.calculate).toHaveBeenCalledTimes(quotesBeforeTap + 1))
+        expect(mockSendTransactions).not.toHaveBeenCalled()
+        expect(mockSendMoney).not.toHaveBeenCalled()
+        expect(mockSetCurrentView).not.toHaveBeenCalledWith('STATUS')
+    })
+
+    it('signs while the quote is still fresh', async () => {
+        jest.useFakeTimers({ now: new Date('2026-09-01T12:00:00Z') })
+        Object.assign(mockCrossChainTransfer, {
+            isXChain: true,
+            quoteExpiresAt: new Date(Date.now() + 120_000).toISOString(),
+        })
+        mockSendTransactions.mockResolvedValue({
+            userOpHash: '0xuserop',
+            receipt: { transactionHash: '0xmined', status: 'success' },
+            strategy: 'mixed',
+            intentId: 'prep-intent-9',
+        })
+        render(<WithdrawCryptoPage />)
+        // Entering the confirm view quotes once; the tap must not quote again.
+        const quotesBeforeTap = mockCrossChainTransfer.calculate.mock.calls.length
+
+        jest.setSystemTime(Date.now() + 10_000)
+        fireEvent.click(screen.getByTestId('confirm-withdraw'))
+
+        await waitFor(() => expect(mockSendTransactions).toHaveBeenCalled())
+        expect(mockCrossChainTransfer.calculate).toHaveBeenCalledTimes(quotesBeforeTap)
+    })
 })
 
 // ---------- tests ----------

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

@@ -35,6 +35,7 @@ import { tokenSelectorContext } from '@/context/tokenSelector.context'
 import { useAppHaptic } from '@/hooks/useAppHaptic'
 import { PEANUT_WALLET_CHAIN, PEANUT_WALLET_TOKEN, PEANUT_WALLET_TOKEN_DECIMALS } from '@/constants/zerodev.consts'
 import { useCrossChainTransfer } from '@/features/payments/shared/hooks/useCrossChainTransfer'
+import { isQuoteNearExpiry } from '@/services/rhino-bridge'
 import { usePaymentRecorder } from '@/features/payments/shared/hooks/usePaymentRecorder'
 import { isTxReverted, printableAddress, validateEnsName } from '@/utils/general.utils'
 import { appBaseUrl } from '@/utils/url.utils'
@@ -96,6 +97,8 @@ export default function WithdrawCryptoPage() {
         isXChain,
         isDiffToken,
         error: routeError,
+        isFeeEstimationError,
+        quoteExpiresAt,
         calculate: calculateRoute,
         reset: resetRouteCalculation,
     } = useCrossChainTransfer()
@@ -164,33 +167,39 @@ export default function WithdrawCryptoPage() {
         }
     }, [routeError, recordError, setPaymentError])
 
+    // Quote the route (Rhino preview + SDA / bridge quote, or the same-chain
+    // tx). Runs on entering the confirm view and again before signing when the
+    // quote on screen has expired.
+    const quoteRoute = useCallback(() => {
+        if (!chargeDetails || !withdrawData || !address) return Promise.resolve()
+        return calculateRoute({
+            source: {
+                address: address as Address,
+                tokenAddress: PEANUT_WALLET_TOKEN as Address,
+                chainId: PEANUT_WALLET_CHAIN.id.toString(),
+                // amountToWithdraw is USD-denominated; source token is USDC (1:1).
+                // Required for the bridge path's 'pay' mode (cross-chain ETH/etc).
+                tokenAmount: amountToWithdraw,
+            },
+            destination: {
+                recipientAddress: chargeDetails.requestLink.recipientAddress as Address,
+                tokenAddress: chargeDetails.tokenAddress as Address,
+                tokenAmount: chargeDetails.tokenAmount,
+                tokenDecimals: chargeDetails.tokenDecimals,
+                tokenType: Number(chargeDetails.tokenType),
+                chainId: chargeDetails.chainId,
+            },
+            context: 'withdraw',
+            contextId: chargeDetails.uuid,
+            senderPeanutWalletAddress: address as Address,
+            skipGasEstimate: true, // peanut wallet handles gas
+        })
+    }, [chargeDetails, withdrawData, calculateRoute, address, amountToWithdraw])
+
     // prepare transaction when entering confirm view
     useEffect(() => {
-        if (currentView === 'CONFIRM' && chargeDetails && withdrawData && address) {
-            calculateRoute({
-                source: {
-                    address: address as Address,
-                    tokenAddress: PEANUT_WALLET_TOKEN as Address,
-                    chainId: PEANUT_WALLET_CHAIN.id.toString(),
-                    // amountToWithdraw is USD-denominated; source token is USDC (1:1).
-                    // Required for the bridge path's 'pay' mode (cross-chain ETH/etc).
-                    tokenAmount: amountToWithdraw,
-                },
-                destination: {
-                    recipientAddress: chargeDetails.requestLink.recipientAddress as Address,
-                    tokenAddress: chargeDetails.tokenAddress as Address,
-                    tokenAmount: chargeDetails.tokenAmount,
-                    tokenDecimals: chargeDetails.tokenDecimals,
-                    tokenType: Number(chargeDetails.tokenType),
-                    chainId: chargeDetails.chainId,
-                },
-                context: 'withdraw',
-                contextId: chargeDetails.uuid,
-                senderPeanutWalletAddress: address as Address,
-                skipGasEstimate: true, // peanut wallet handles gas
-            })
-        }
-    }, [currentView, chargeDetails, withdrawData, calculateRoute, address, amountToWithdraw])
+        if (currentView === 'CONFIRM') void quoteRoute()
+    }, [currentView, quoteRoute])
 
     const handleSetupReview = useCallback(
         async (data: Omit<WithdrawData, 'amount'>) => {
@@ -343,6 +352,19 @@ export default function WithdrawCryptoPage() {
             return
         }
 
+        // The numbers on screen are Rhino's quote only until it expires. Decide
+        // that NOW, at the tap — a render-time flag goes stale on a screen left
+        // open — with the signing lead time the bridge path uses. Past expiry,
+        // refresh and let the user confirm the fresh numbers instead of signing
+        // a stale pay amount — unless funds already moved for this charge (the
+        // record-only retry below must never re-quote).
+        const alreadySpent = executedSpendRef.current?.chargeId === chargeDetails.uuid
+        const quoteExpired = quoteExpiresAt ? isQuoteNearExpiry(quoteExpiresAt) : false
+        if (quoteExpired && !alreadySpent) {
+            await quoteRoute()
+            return
+        }
+
         clearErrors()
         setIsSendingTx(true)
 
@@ -530,6 +552,8 @@ export default function WithdrawCryptoPage() {
         address,
         transactions,
         payAmount,
+        quoteExpiresAt,
+        quoteRoute,
         usdAmount,
         sendTransactions,
         sendMoney,
@@ -648,6 +672,7 @@ export default function WithdrawCryptoPage() {
                     networkFee={networkFee}
                     isCrossChain={isCrossChainWithdrawal}
                     isCalculating={isCalculating}
+                    quoteFailed={isFeeEstimationError}
                     receiveAmount={receiveAmount}
                     payAmount={payAmount}
                     showHighFeeWarning={showHighFeeWarning}

src/components/Claim/Claim.consts.ts

@@ -17,6 +17,12 @@ export interface ClaimXChainPreview {
     receiveAmount: string
     /** Rhino fee in USD. */
     feeUsd: number
+    /** The address the account-bound quote was priced for — a cached route
+     *  is only valid for that recipient (see findClaimRoute). */
+    quotedFor: string
+    /** ISO expiry of the Rhino quote behind receiveAmount/feeUsd; an expired
+     *  route is a cache miss (see findClaimRoute). */
+    expiresAt: string
 }
 export type ClaimType = 'claim' | 'claimxchain'
 

src/components/Claim/Link/Initial.view.tsx

@@ -40,6 +40,7 @@ import ActionModal from '@/components/Global/ActionModal'
 import { BankFlowManager } from './views/BankFlowManager.view'
 import { type ClaimXChainPreview } from '../Claim.consts'
 import { previewSdaTransfer } from '@/services/rhino-sda'
+import { findClaimRoute, resolveClaimQuoteRecipient } from '@/utils/claim-route.utils'
 import { evmChainIdToRhinoName } from '@/constants/rhino.consts'
 import { getTokenSymbol } from '@/utils/general.utils'
 import { Button } from '@/components/0_Bruddle/Button'
@@ -211,6 +212,11 @@ export const InitialClaimLinkView = (props: IClaimScreenProps) => {
     }, [user, resetClaimBankFlow])
 
     const hasTrackedClaimView = useRef(false)
+    // Each route quote gets a generation; a result whose generation is no
+    // longer current (the recipient changed, or a newer quote started) is
+    // cached but never selected — a slow quote for A must not land on a
+    // confirm screen for B.
+    const quoteGenerationRef = useRef(0)
     useEffect(() => {
         if (claimLinkData && !hasTrackedClaimView.current) {
             hasTrackedClaimView.current = true
@@ -608,6 +614,23 @@ export const InitialClaimLinkView = (props: IClaimScreenProps) => {
         setIsValidRecipient(!!recipient.address)
     }, [recipient.address])
 
+    // A route is priced for one recipient (account-bound quote). Switching the
+    // external address drops the stale selection and re-quotes for the new one;
+    // an unchanged effective recipient (bank claims, the Peanut wallet) keeps it.
+    useEffect(() => {
+        if (!selectedRoute) return
+        const quotedFor = resolveClaimQuoteRecipient({
+            recipientAddress: recipient.address,
+            walletAddress: address,
+            senderAddress: claimLinkData.senderAddress,
+        })
+        if (selectedRoute.quotedFor.toLowerCase() === quotedFor.toLowerCase()) return
+        quoteGenerationRef.current += 1
+        setSelectedRoute(undefined)
+        setHasFetchedRoute(false)
+        setRefetchXchainRoute(true)
+    }, [recipient.address, address, claimLinkData.senderAddress, selectedRoute, setSelectedRoute, setHasFetchedRoute])
+
     useEffect(() => {
         if (!selectedTokenData) return
         if (
@@ -644,11 +667,18 @@ export const InitialClaimLinkView = (props: IClaimScreenProps) => {
             }
             const chainId = toChain ?? selectedTokenData!.chainId
             const tokenAddress = toToken ?? selectedTokenData!.address
+            // The quote is account- and address-bound, so a cached route is only
+            // valid for the recipient it was priced for.
+            const quotedFor = resolveClaimQuoteRecipient({
+                recipientAddress: recipient.address,
+                walletAddress: address,
+                senderAddress: claimLinkData.senderAddress,
+            })
+
+            const generation = toToken || toChain ? quoteGenerationRef.current : (quoteGenerationRef.current += 1)
 
             try {
-                const existingRoute = routes.find(
-                    (route) => route.chainId === chainId && areEvmAddressesEqual(route.tokenAddress, tokenAddress)
-                )
+                const existingRoute = findClaimRoute(routes, { chainId, tokenAddress, quotedFor })
 
                 if (existingRoute) {
                     setSelectedRoute(existingRoute)
@@ -676,23 +706,30 @@ export const InitialClaimLinkView = (props: IClaimScreenProps) => {
                 // Rhino preview expects a decimal string, so format down.
                 const decimals = selectedTokenData?.decimals ?? 6
                 const previewAmount = formatUnits(claimLinkData.amount, decimals)
+                // The SDA deposit itself comes from the Peanut claim relayer, so
+                // the link sender's address (always an EVM address on the link's
+                // chain) stands in as depositor for pricing.
                 const preview = await previewSdaTransfer({
                     chainIn: sourceRhinoChain,
                     chainOut: destRhinoChain,
                     token: tokenSymbol,
                     amount: previewAmount,
                     mode: 'pay',
+                    depositor: claimLinkData.senderAddress,
+                    recipient: quotedFor,
                 })
 
                 const route: ClaimXChainPreview = {
                     chainId,
                     tokenAddress: tokenAddress as Address,
                     receiveAmount: preview.receiveAmount,
                     feeUsd: preview.feeUsd,
+                    quotedFor,
+                    expiresAt: preview.expiresAt,
                 }
 
                 setRoutes([...routes, route])
-                if (!toToken && !toChain) {
+                if (!toToken && !toChain && generation === quoteGenerationRef.current) {
                     setSelectedRoute(route)
                     setHasFetchedRoute(true)
                 }
@@ -714,7 +751,17 @@ export const InitialClaimLinkView = (props: IClaimScreenProps) => {
                 setLoadingState('Idle')
             }
         },
-        [claimLinkData, isXChain, selectedTokenData, setLoadingState, routes, setHasFetchedRoute, setSelectedRoute]
+        [
+            claimLinkData,
+            isXChain,
+            selectedTokenData,
+            setLoadingState,
+            routes,
+            setHasFetchedRoute,
+            setSelectedRoute,
+            recipient.address,
+            address,
+        ]
     )
 
     useEffect(() => {

src/components/Claim/Link/Onchain/Confirm.view.tsx

@@ -5,6 +5,7 @@ import { Notification } from '@/components/0_Bruddle/Notification'
 import Card from '@/components/Global/Card'
 import DisplayIcon from '@/components/Global/DisplayIcon'
 import NavHeader from '@/components/Global/NavHeader'
+import NetworkFeeRow from '@/components/Global/NetworkFeeRow'
 import PeanutActionDetailsCard from '@/components/Global/PeanutActionDetailsCard'
 import { PaymentInfoRow } from '@/components/Payment/PaymentInfoRow'
 import { loadingStateContext } from '@/context/loadingStates.context'
@@ -78,9 +79,6 @@ export const ConfirmClaimLinkView = ({
         return isStableCoin(resolvedTokenSymbol) ? `$ ${amount}` : `${amount} ${resolvedTokenSymbol}`
     }, [selectedRoute, resolvedTokenSymbol])
 
-    // Network fee display – always sponsored in this flow
-    const networkFeeDisplay: string = tCommon('sponsoredByPeanut')
-
     const handleOnClaim = async () => {
         if (!recipient) {
             return
@@ -235,8 +233,12 @@ export const ConfirmClaimLinkView = ({
                             />
                         }
 
-                        {/* Max network fee row */}
-                        <PaymentInfoRow label={t('confirm.maxNetworkFee')} value={networkFeeDisplay} />
+                        {/* Max network fee row — the route preview's quoted fee, verbatim */}
+                        <NetworkFeeRow
+                            label={t('confirm.maxNetworkFee')}
+                            feeUsd={selectedRoute?.feeUsd}
+                            isCrossChain={!!selectedRoute}
+                        />
 
                         {/* Peanut fee row */}
                         <PaymentInfoRow label={tCommon('peanutFee')} value={'$ 0.00'} hideBottomBorder />