Updated on 2026-08-14

domain/models/src/main/kotlin/com/tangem/domain/models/account/BankCredentials.kt

@@ -0,0 +1,20 @@
+package com.tangem.domain.models.account
+
+import kotlinx.serialization.Serializable
+
+/**
+ * Bank (fiat) credentials for a Virtual Account on-ramp — the wire/ACH requisites a user transfers funds to.
+ *
+ * Returned by `bff-v2/v1/account/bank-credentials/{product_instance_id}`. Sensitive data — kept transient
+ * (never persisted in the local payment-account cache).
+ */
+@Serializable
+data class BankCredentials(
+    val type: String,
+    val beneficiaryName: String,
+    val beneficiaryAddress: String,
+    val beneficiaryBankName: String,
+    val beneficiaryBankAddress: String,
+    val accountNumber: String,
+    val routingNumber: String,
+)

domain/models/src/main/kotlin/com/tangem/domain/models/account/PaymentAccountStatusValue.kt

@@ -149,6 +149,8 @@ sealed class PaymentAccountStatusValue {
      *                    [totalFiatBalance] resolves to [TotalFiatBalance.Failed].
      * @property error Transient error overlaid on top of cached data when a refresh fails
      *                 (see [copySealed]), or `null` when the status is up to date. Not persisted.
+     * @property virtualAccount Virtual Account (Visa on-ramp) availability — VA MVP0 (TWI-1638).
+     *                          Transient: not persisted in the local cache.
      */
     @Serializable
     data class Loaded(
@@ -160,6 +162,7 @@ sealed class PaymentAccountStatusValue {
         val cards: List<TangemPayCard>,
         val fiatRate: SerializedBigDecimal?,
         val error: Error?,
+        val virtualAccount: VirtualAccountOnramp,
     ) : PaymentAccountStatusValue() {
         val cryptoCurrencyStatus: CryptoCurrencyStatus = CryptoCurrencyStatus(
             currency = cryptoCurrency,

domain/models/src/main/kotlin/com/tangem/domain/models/account/VirtualAccountOnramp.kt

@@ -0,0 +1,28 @@
+package com.tangem.domain.models.account
+
+import kotlinx.serialization.Serializable
+
+/**
+ * Virtual Account (Visa on-ramp) availability for a payment account — VA MVP0 (TWI-1638).
+ *
+ * Computed in the payment-account fetcher and surfaced on [PaymentAccountStatusValue.Loaded].
+ * Transient: [Available.bankCredentials] is never persisted in the local cache.
+ */
+@Serializable
+sealed interface VirtualAccountOnramp {
+
+    /** On-ramp not applicable: feature toggle off, or wallet not eligible. */
+    @Serializable
+    data object None : VirtualAccountOnramp
+
+    /** No VA product instance yet, but the wallet is eligible to add funds (channel `VISA_VIRTUAL_ACCOUNT`). */
+    @Serializable
+    data object Eligible : VirtualAccountOnramp
+
+    /** VA product instance exists; [bankCredentials] are the fiat requisites for the bank-transfer top-up. */
+    @Serializable
+    data class Available(
+        val productInstanceId: String,
+        val bankCredentials: BankCredentials,
+    ) : VirtualAccountOnramp
+}

domain/models/src/main/kotlin/com/tangem/domain/models/pay/TangemPayEligibilityType.kt

@@ -10,6 +10,8 @@ enum class TangemPayEligibilityType {
     DETAILS_VIRTUAL_ACCOUNT,
     DEEPLINK_VIRTUAL_ACCOUNT,
 
+    VISA_VIRTUAL_ACCOUNT,
+
     UNKNOWN,
     ;
 
@@ -21,6 +23,7 @@ enum class TangemPayEligibilityType {
             "BANNER_VIRTUAL_ACCOUNT" -> BANNER_VIRTUAL_ACCOUNT
             "DETAILS_VIRTUAL_ACCOUNT" -> DETAILS_VIRTUAL_ACCOUNT
             "DEEPLINK_VIRTUAL_ACCOUNT" -> DEEPLINK_VIRTUAL_ACCOUNT
+            "VISA_VIRTUAL_ACCOUNT" -> VISA_VIRTUAL_ACCOUNT
             else -> UNKNOWN
         }
     }

domain/visa/src/main/kotlin/com/tangem/domain/pay/model/CustomerInfo.kt

@@ -67,6 +67,7 @@ data class CustomerInfo(
         val actualCardLimit: TangemPayCardLimit?,
         val adminCardLimit: TangemPayCardLimit?,
         val status: Status,
+        val specificationDataType: SpecificationDataType,
     ) {
         enum class Status {
             NEW,
@@ -82,6 +83,12 @@ data class CustomerInfo(
             CANCELED,
             UNKNOWN,
         }
+
+        /** `ACCOUNT` marks a Virtual Account instance (vs. a `CARD`); used by VA MVP0 (TWI-1638). */
+        enum class SpecificationDataType {
+            ACCOUNT,
+            CARD,
+        }
     }
 
     data class CardInfo(

domain/visa/src/main/kotlin/com/tangem/domain/pay/repository/OnboardingRepository.kt

@@ -2,6 +2,7 @@ package com.tangem.domain.pay.repository
 
 import arrow.core.Either
 import com.tangem.core.error.UniversalError
+import com.tangem.domain.models.account.BankCredentials
 import com.tangem.domain.models.pay.TangemPayEligibilityType
 import com.tangem.domain.models.wallet.UserWalletId
 import com.tangem.domain.pay.model.CustomerInfo
@@ -17,6 +18,12 @@ interface OnboardingRepository {
 
     suspend fun getCustomerInfo(userWalletId: UserWalletId): Either<VisaApiError, CustomerInfo>
 
+    /** Fiat bank requisites for the wallet's Virtual Account on-ramp instance (VA MVP0, TWI-1638). */
+    suspend fun getBankCredentials(
+        userWalletId: UserWalletId,
+        productInstanceId: String,
+    ): Either<VisaApiError, BankCredentials>
+
     suspend fun createOrder(userWalletId: UserWalletId): Either<VisaApiError, String>
 
     suspend fun clearOrderId(userWalletId: UserWalletId)
@@ -28,6 +35,14 @@ interface OnboardingRepository {
     suspend fun checkCustomerEligibility(): List<TangemPayEligibilityType>
     suspend fun getCustomerEligibility(): List<TangemPayEligibilityType>
 
+    /**
+     * Fetches eligibility channels fresh via the user token (always hits the network, no cache read/write).
+     * Differs from [checkCustomerEligibility] (static token, caches) and [getCustomerEligibility] (cache only).
+     */
+    suspend fun fetchCustomerEligibility(
+        userWalletId: UserWalletId,
+    ): Either<VisaApiError, List<TangemPayEligibilityType>>
+
     fun getSavedCustomerInfo(userWalletId: UserWalletId): CustomerInfo?
 
     suspend fun getHideMainOnboardingBanner(userWalletId: UserWalletId): Boolean