[blocked] Add MoonPay Apple Pay onramp

[mashbean]

Blocked

• MoonPay partner application was rejected on 2026-05-29.

• Do not merge this as the production on-ramp path unless MoonPay approval is reopened or the integration is repurposed behind a disabled/fallback path.

• Next on-ramp evaluation is Onramper/Ramp/Transak/Banxa; open bidding itself should continue separately from fiat on-ramp.

Summary

• add a server-signed MoonPay Apple Pay top-up route for Optimism USDT (usdt_optimism)
• replace the insufficient-balance top-up button in the bid flow with the MoonPay path
• enforce a 20 USDT minimum MoonPay top-up to avoid disproportionately expensive tiny purchases
• document MoonPay/Vercel setup, release-evaluation gates, cost policy, and cross-system acceptance checks

Validation

• Rebased branch onto origin/develop; PR base is now develop.
• Confirmed PR diff against origin/develop only contains MoonPay/env/docs/bid-flow changes.
• git diff --check origin/develop...codex/moonpay-onramp passed.
• Checked changed files for conflict markers after rebase; none found.
• Vercel check passed on develop-based PR head bbdacc7.
• Before the develop rebase, npm run lint, npm run build, and local /api/moonpay smoke test passed on the previous main-based branch.
• After the develop rebase, local Node tooling hangs on eslint, tsc --noEmit, and remix vite:build without producing diagnostics; relying on the passing Vercel check for the develop-based head until local tooling is refreshed.

Notes

• Production still needs MoonPay production keys approved for usdt_optimism, Apple Pay, active domains, and launch countries.
• Confirm MoonPay commercial terms before production approval: setup fee, monthly minimum, minimum volume commitment, and whether ecosystem/affiliate fees are enabled.
• This PR assumes Matters should not add an ecosystem or affiliate fee at launch.
• Production payment or bid smoke tests require explicit human approval under the release-evaluation SOP.

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Project	Deployment	Actions	Updated (UTC)
matters-billboard-app	Ready	Preview	May 28, 2026 1:41pm

[mashbean]

Blocked: MoonPay partner application was rejected on 2026-05-29. This PR should not be merged as the production on-ramp path unless MoonPay approval is reopened or the integration is repurposed behind a disabled/fallback path. Evaluating Onramper next.