Updated on 2026-08-14

data/visa/src/main/kotlin/com/tangem/data/pay/converter/PaymentAccountStatusValueDMConverter.kt

@@ -5,7 +5,6 @@ import com.tangem.datasource.local.visa.entity.PaymentAccountStatusValueDM
 import com.tangem.domain.models.StatusSource
 import com.tangem.domain.models.account.CardDisplayName
 import com.tangem.domain.models.account.PaymentAccountStatusValue
-import com.tangem.domain.models.account.VirtualAccountOnramp
 import com.tangem.domain.models.pay.*
 import com.tangem.domain.models.wallet.UserWalletId
 import com.tangem.domain.pay.TangemPayCurrencyFactory
@@ -119,7 +118,7 @@ internal class PaymentAccountStatusValueDMConverter @Inject constructor(
                     )
                 },
                 error = null,
-                virtualAccount = VirtualAccountOnramp.None,
+                virtualAccount = null,
             )
             is PaymentAccountStatusValueDM.UnderReview -> PaymentAccountStatusValue.UnderReview(
                 source = StatusSource.CACHE,

data/visa/src/main/kotlin/com/tangem/data/pay/flow/DefaultPaymentAccountStatusFetcher.kt

@@ -396,11 +396,10 @@ internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
      * Resolves the Virtual Account on-ramp dimension (VA MVP0, TWI-1638). Gated by the feature toggle.
      * If a product instance with [SpecificationDataType.ACCOUNT] exists, eagerly fetches its bank credentials
      * ([VirtualAccountOnramp.Available]); otherwise surfaces [VirtualAccountOnramp.Eligible] when the wallet has
-     * the `VISA_VIRTUAL_ACCOUNT` eligibility channel (fetched fresh via the user token), else
-     * [VirtualAccountOnramp.None].
+     * the `VISA_VIRTUAL_ACCOUNT` eligibility channel (fetched fresh via the user token), else `null`.
      */
-    private suspend fun CustomerInfo.resolveVirtualAccountOnramp(userWalletId: UserWalletId): VirtualAccountOnramp {
-        if (!virtualAccountFeatureToggles.isVaMvp0Enabled) return VirtualAccountOnramp.None
+    private suspend fun CustomerInfo.resolveVirtualAccountOnramp(userWalletId: UserWalletId): VirtualAccountOnramp? {
+        if (!virtualAccountFeatureToggles.isVaMvp0Enabled) return null
 
         val accountInstance = productInstances.firstOrNull {
             it.specificationDataType == SpecificationDataType.ACCOUNT
@@ -409,7 +408,7 @@ internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
             return onboardingRepository.getBankCredentials(userWalletId, accountInstance.id).fold(
                 ifLeft = { error ->
                     logger.e("getBankCredentials failed for ${accountInstance.id}: $error")
-                    VirtualAccountOnramp.None
+                    null
                 },
                 ifRight = { credentials ->
                     VirtualAccountOnramp.Available(
@@ -423,13 +422,13 @@ internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
         return onboardingRepository.fetchCustomerEligibility(userWalletId).fold(
             ifLeft = { error ->
                 logger.e("fetchCustomerEligibility failed for $userWalletId: $error")
-                VirtualAccountOnramp.None
+                null
             },
             ifRight = { channels ->
                 if (channels.contains(TangemPayEligibilityType.VISA_VIRTUAL_ACCOUNT)) {
                     VirtualAccountOnramp.Eligible
                 } else {
-                    VirtualAccountOnramp.None
+                    null
                 }
             },
         )

data/visa/src/test/kotlin/com/tangem/data/pay/flow/DefaultPaymentAccountStatusFetcherTest.kt

@@ -0,0 +1,303 @@
+package com.tangem.data.pay.flow
+
+import arrow.core.Either
+import arrow.core.left
+import com.google.common.truth.Truth.assertThat
+import com.tangem.data.pay.store.PaymentAccountStatusesStore
+import com.tangem.domain.models.account.AccountStatus
+import com.tangem.domain.models.account.BankCredentials
+import com.tangem.domain.models.account.PaymentAccountStatusValue
+import com.tangem.domain.models.account.VirtualAccountOnramp
+import com.tangem.domain.models.currency.CryptoCurrency
+import com.tangem.domain.models.kyc.KycStatus
+import com.tangem.domain.models.pay.TangemPayCard
+import com.tangem.domain.models.pay.TangemPayCardFrozenState
+import com.tangem.domain.models.pay.TangemPayEligibilityType
+import com.tangem.domain.models.wallet.UserWalletId
+import com.tangem.domain.pay.TangemPayCurrencyFactory
+import com.tangem.domain.pay.TangemPayEligibilityManager
+import com.tangem.domain.pay.flow.PaymentAccountStatusFetcher
+import com.tangem.domain.pay.model.CustomerInfo
+import com.tangem.domain.pay.repository.*
+import com.tangem.domain.quotes.single.SingleQuoteStatusSupplier
+import com.tangem.domain.visa.error.VisaApiError
+import com.tangem.features.virtualaccount.VirtualAccountFeatureToggles
+import com.tangem.security.DeviceSecurityInfoProvider
+import com.tangem.utils.coroutines.TestingCoroutineDispatcherProvider
+import io.mockk.*
+import kotlinx.coroutines.test.runTest
+import org.junit.jupiter.api.BeforeEach
+import org.junit.jupiter.api.Nested
+import org.junit.jupiter.api.Test
+import org.junit.jupiter.api.TestInstance
+import java.math.BigDecimal
+
+@TestInstance(TestInstance.Lifecycle.PER_CLASS)
+internal class DefaultPaymentAccountStatusFetcherTest {
+
+    private val paymentAccountStatusesStore: PaymentAccountStatusesStore = mockk(relaxed = true)
+    private val onboardingRepository: OnboardingRepository = mockk()
+    private val customerOrderRepository: CustomerOrderRepository = mockk()
+    private val deviceSecurity: DeviceSecurityInfoProvider = mockk(relaxed = true)
+    private val dispatchers = TestingCoroutineDispatcherProvider()
+    private val tangemPayCurrencyFactory: TangemPayCurrencyFactory = mockk()
+    private val eligibilityManager: TangemPayEligibilityManager = mockk(relaxed = true)
+    private val reissueCardRepository: TangemPayReissueCardRepository = mockk()
+    private val singleQuoteSupplier: SingleQuoteStatusSupplier = mockk()
+    private val closeCardRepository: TangemPayCloseCardRepository = mockk()
+    private val cardDetailsRepository: TangemPayCardDetailsRepository = mockk()
+    private val issueCardRepository: TangemPayIssueCardRepository = mockk()
+    private val virtualAccountFeatureToggles: VirtualAccountFeatureToggles = mockk()
+
+    private val fetcher = DefaultPaymentAccountStatusFetcher(
+        paymentAccountStatusesStore = paymentAccountStatusesStore,
+        onboardingRepository = onboardingRepository,
+        customerOrderRepository = customerOrderRepository,
+        deviceSecurity = deviceSecurity,
+        dispatchers = dispatchers,
+        tangemPayCurrencyFactory = tangemPayCurrencyFactory,
+        eligibilityManager = eligibilityManager,
+        reissueCardRepository = reissueCardRepository,
+        singleQuoteSupplier = singleQuoteSupplier,
+        closeCardRepository = closeCardRepository,
+        cardDetailsRepository = cardDetailsRepository,
+        issueCardRepository = issueCardRepository,
+        virtualAccountFeatureToggles = virtualAccountFeatureToggles,
+    )
+
+    private val userWalletId = UserWalletId("011")
+    private val params = PaymentAccountStatusFetcher.Params(userWalletId)
+
+    private val bankCredentialsFixture = BankCredentials(
+        type = "ACH",
+        beneficiaryName = "Test Beneficiary",
+        beneficiaryAddress = "123 Main St",
+        beneficiaryBankName = "Test Bank",
+        beneficiaryBankAddress = "456 Bank Ave",
+        accountNumber = "1234567890",
+        routingNumber = "021000021",
+    )
+
+    private val cardProductInstance = CustomerInfo.ProductInstance(
+        id = "pi_card",
+        cardId = "card_1",
+        frozenState = TangemPayCardFrozenState.Unfrozen,
+        displayName = null,
+        actualCardLimit = null,
+        adminCardLimit = null,
+        status = CustomerInfo.ProductInstance.Status.ACTIVE,
+        specificationDataType = CustomerInfo.ProductInstance.SpecificationDataType.CARD,
+    )
+
+    private val accountProductInstance = CustomerInfo.ProductInstance(
+        id = "pi_account",
+        cardId = "",
+        frozenState = TangemPayCardFrozenState.Unfrozen,
+        displayName = null,
+        actualCardLimit = null,
+        adminCardLimit = null,
+        status = CustomerInfo.ProductInstance.Status.ACTIVE,
+        specificationDataType = CustomerInfo.ProductInstance.SpecificationDataType.ACCOUNT,
+    )
+
+    private val cardInfo = CustomerInfo.CardInfo(
+        cardId = "card_1",
+        cardStatus = TangemPayCard.Status.ACTIVE,
+        lastFourDigits = "1234",
+        isPinSet = true,
+    )
+
+    private fun buildCustomerInfo(
+        productInstances: List<CustomerInfo.ProductInstance> = listOf(cardProductInstance),
+    ) = CustomerInfo(
+        customerId = "cust_1",
+        kycStatus = KycStatus.APPROVED,
+        state = CustomerInfo.State.ACTIVE,
+        fiatBalance = PaymentAccountStatusValue.FiatBalance(
+            availableBalance = BigDecimal.TEN,
+            currency = "USD",
+        ),
+        cryptoBalance = PaymentAccountStatusValue.CryptoBalance(
+            id = "usdc",
+            chainId = 137L,
+            depositAddress = "0xdeposit",
+            tokenContractAddress = "0xcontract",
+            balance = BigDecimal.TEN,
+        ),
+        availableForWithdrawal = BigDecimal.TEN,
+        cards = listOf(cardInfo),
+        productInstances = productInstances,
+        tariffPlan = null,
+    )
+
+    @BeforeEach
+    fun setUp() {
+        clearMocks(
+            onboardingRepository,
+            customerOrderRepository,
+            tangemPayCurrencyFactory,
+            reissueCardRepository,
+            singleQuoteSupplier,
+            closeCardRepository,
+            cardDetailsRepository,
+            issueCardRepository,
+            virtualAccountFeatureToggles,
+        )
+        // Relaxed mocks don't need clearing — deviceSecurity, eligibilityManager, paymentAccountStatusesStore
+        // are relaxed and consistent with their relaxed defaults (false, empty, etc.)
+        clearMocks(paymentAccountStatusesStore, answers = false)
+    }
+
+    /**
+     * Stubs the full happy-path chain up to [CustomerInfo.convertToContentState] so the fetcher
+     * can produce a [PaymentAccountStatusValue.Loaded] result. Only the [customerInfo] parameter is
+     * varied per test to exercise different VA on-ramp branches.
+     */
+    private suspend fun stubHappyPath(customerInfo: CustomerInfo) {
+        val token: CryptoCurrency.Token = mockk(relaxed = true)
+
+        coEvery { onboardingRepository.hasTangemPayInWallet(userWalletId) } returns Either.Right(true)
+        coEvery { onboardingRepository.isTangemPayInitialDataProduced(userWalletId) } returns true
+        coEvery { onboardingRepository.getOrderId(userWalletId) } returns null
+        coEvery { onboardingRepository.getCustomerInfo(userWalletId) } returns Either.Right(customerInfo)
+
+        coEvery { paymentAccountStatusesStore.getSyncOrNull(userWalletId) } returns null
+        coEvery { paymentAccountStatusesStore.store(any(), any()) } just Runs
+
+        every { tangemPayCurrencyFactory.create(userWalletId) } returns token
+
+        coEvery { singleQuoteSupplier.getSyncOrNull(any()) } returns null
+
+        coEvery { cardDetailsRepository.cardFrozenStateSync(any()) } returns TangemPayCardFrozenState.Unfrozen
+
+        coEvery { closeCardRepository.getCloseOrderId(any(), any()) } returns Either.Right(null)
+        coEvery { reissueCardRepository.getReissueOrderId(any(), any()) } returns Either.Right(null)
+
+        coEvery { issueCardRepository.getIssueOrderIds(any()) } returns emptyList()
+    }
+
+    /** Collects all [AccountStatus.Payment] values stored via [PaymentAccountStatusesStore.store]. */
+    private fun captureStoredStatuses(): MutableList<AccountStatus.Payment> {
+        val captured = mutableListOf<AccountStatus.Payment>()
+        coEvery { paymentAccountStatusesStore.store(any(), capture(captured)) } just Runs
+        return captured
+    }
+
+    private fun MutableList<AccountStatus.Payment>.lastLoaded(): PaymentAccountStatusValue.Loaded {
+        val loaded = filterIsInstance<AccountStatus.Payment>()
+            .map { it.value }
+            .filterIsInstance<PaymentAccountStatusValue.Loaded>()
+            .lastOrNull()
+        return requireNotNull(loaded) { "Expected at least one Loaded status to be stored; stored: ${map { it.value::class.simpleName }}" }
+    }
+
+    @Nested
+    @TestInstance(TestInstance.Lifecycle.PER_CLASS)
+    inner class `resolveVirtualAccountOnramp` {
+
+        @Test
+        fun `GIVEN feature toggle is off WHEN invoke THEN virtualAccount is null`() = runTest {
+            // Arrange
+            val customerInfo = buildCustomerInfo(productInstances = listOf(cardProductInstance))
+            stubHappyPath(customerInfo)
+            every { virtualAccountFeatureToggles.isVaMvp0Enabled } returns false
+            val storedStatuses = captureStoredStatuses()
+
+            // Act
+            fetcher.invoke(params)
+
+            // Assert
+            val loaded = storedStatuses.lastLoaded()
+            assertThat(loaded.virtualAccount).isNull()
+        }
+
+        @Test
+        fun `GIVEN toggle on and ACCOUNT instance with bank credentials WHEN invoke THEN virtualAccount is Available`() =
+            runTest {
+                // Arrange
+                val customerInfo = buildCustomerInfo(
+                    productInstances = listOf(cardProductInstance, accountProductInstance),
+                )
+                stubHappyPath(customerInfo)
+                every { virtualAccountFeatureToggles.isVaMvp0Enabled } returns true
+                coEvery {
+                    onboardingRepository.getBankCredentials(userWalletId, "pi_account")
+                } returns Either.Right(bankCredentialsFixture)
+                val storedStatuses = captureStoredStatuses()
+
+                // Act
+                fetcher.invoke(params)
+
+                // Assert
+                val loaded = storedStatuses.lastLoaded()
+                assertThat(loaded.virtualAccount).isEqualTo(
+                    VirtualAccountOnramp.Available(
+                        productInstanceId = "pi_account",
+                        bankCredentials = bankCredentialsFixture,
+                    ),
+                )
+            }
+
+        @Test
+        fun `GIVEN toggle on and ACCOUNT instance but bank credentials fetch fails WHEN invoke THEN virtualAccount is null`() =
+            runTest {
+                // Arrange
+                val customerInfo = buildCustomerInfo(
+                    productInstances = listOf(cardProductInstance, accountProductInstance),
+                )
+                stubHappyPath(customerInfo)
+                every { virtualAccountFeatureToggles.isVaMvp0Enabled } returns true
+                coEvery {
+                    onboardingRepository.getBankCredentials(userWalletId, "pi_account")
+                } returns VisaApiError.UnknownWithoutCode.left()
+                val storedStatuses = captureStoredStatuses()
+
+                // Act
+                fetcher.invoke(params)
+
+                // Assert
+                val loaded = storedStatuses.lastLoaded()
+                assertThat(loaded.virtualAccount).isNull()
+            }
+
+        @Test
+        fun `GIVEN toggle on and no ACCOUNT instance and customer is eligible WHEN invoke THEN virtualAccount is Eligible`() =
+            runTest {
+                // Arrange
+                val customerInfo = buildCustomerInfo(productInstances = listOf(cardProductInstance))
+                stubHappyPath(customerInfo)
+                every { virtualAccountFeatureToggles.isVaMvp0Enabled } returns true
+                coEvery {
+                    onboardingRepository.fetchCustomerEligibility(userWalletId)
+                } returns Either.Right(listOf(TangemPayEligibilityType.VISA_VIRTUAL_ACCOUNT))
+                val storedStatuses = captureStoredStatuses()
+
+                // Act
+                fetcher.invoke(params)
+
+                // Assert
+                val loaded = storedStatuses.lastLoaded()
+                assertThat(loaded.virtualAccount).isEqualTo(VirtualAccountOnramp.Eligible)
+            }
+
+        @Test
+        fun `GIVEN toggle on and no ACCOUNT instance and eligibility fetch fails WHEN invoke THEN virtualAccount is null`() =
+            runTest {
+                // Arrange
+                val customerInfo = buildCustomerInfo(productInstances = listOf(cardProductInstance))
+                stubHappyPath(customerInfo)
+                every { virtualAccountFeatureToggles.isVaMvp0Enabled } returns true
+                coEvery {
+                    onboardingRepository.fetchCustomerEligibility(userWalletId)
+                } returns VisaApiError.UnknownWithoutCode.left()
+                val storedStatuses = captureStoredStatuses()
+
+                // Act
+                fetcher.invoke(params)
+
+                // Assert
+                val loaded = storedStatuses.lastLoaded()
+                assertThat(loaded.virtualAccount).isNull()
+            }
+    }
+}

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

@@ -149,7 +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).
+     * @property virtualAccount Virtual Account (Visa on-ramp) availability — VA MVP0 (TWI-1638), or `null`
+     *                          when not applicable (feature toggle off / wallet not eligible).
      *                          Transient: not persisted in the local cache.
      */
     @Serializable
@@ -162,7 +163,7 @@ sealed class PaymentAccountStatusValue {
         val cards: List<TangemPayCard>,
         val fiatRate: SerializedBigDecimal?,
         val error: Error?,
-        val virtualAccount: VirtualAccountOnramp,
+        val virtualAccount: VirtualAccountOnramp?,
     ) : PaymentAccountStatusValue() {
         val cryptoCurrencyStatus: CryptoCurrencyStatus = CryptoCurrencyStatus(
             currency = cryptoCurrency,

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

@@ -11,10 +11,6 @@ import kotlinx.serialization.Serializable
 @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

features/tangempay/details/impl/build.gradle.kts

@@ -31,6 +31,7 @@ dependencies {
     implementation(projects.features.tokenRecieve.api)
     implementation(projects.features.txhistory.api)
     implementation(projects.features.tokendetails.api)
+    implementation(projects.features.virtualAccounts.details.api) // TWI_1638_VA_MVP0_ENABLED
 
     /** Domain */
     implementation(projects.domain.balanceHiding)

features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/components/TangemPayAddFundsComponent.kt

@@ -4,6 +4,7 @@ import androidx.compose.runtime.Composable
 import com.tangem.core.decompose.context.AppComponentContext
 import com.tangem.core.decompose.model.getOrCreateModel
 import com.tangem.core.ui.decompose.ComposableBottomSheetComponent
+import com.tangem.domain.models.account.VirtualAccountOnramp
 import com.tangem.domain.models.currency.CryptoCurrency
 import com.tangem.domain.models.wallet.UserWalletId
 import com.tangem.domain.pay.model.TangemPayTopUpData
@@ -39,11 +40,13 @@ internal class TangemPayAddFundsComponent(
         val fiatBalance: BigDecimal,
         val depositAddress: String,
         val cryptoCurrency: CryptoCurrency,
+        val virtualAccountOnramp: VirtualAccountOnramp?,
     )
 }
 
 internal interface AddFundsListener {
     fun onClickReceive(data: TangemPayTopUpData)
     fun onClickSwap(data: TangemPayTopUpData)
+    fun onClickBankTransfer()
     fun onDismissAddFunds()
 }

features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/components/TangemPayCardPageScreenComponent.kt

@@ -97,6 +97,14 @@ internal class TangemPayCardPageScreenComponent(
                     fiatBalance = navigation.fiatBalance,
                     depositAddress = navigation.depositAddress,
                     cryptoCurrency = navigation.cryptoCurrency,
+                    virtualAccountOnramp = navigation.virtualAccountOnramp,
+                ),
+            )
+            is TangemPayCardNavigation.VirtualAccountDeposit -> TangemPayVirtualAccountDepositComponent(
+                appComponentContext = context,
+                params = TangemPayVirtualAccountDepositComponent.Params(
+                    virtualAccountOnramp = navigation.virtualAccountOnramp,
+                    onDismiss = model.bottomSheetNavigation::dismiss,
                 ),
             )
             is TangemPayCardNavigation.Receive -> tokenReceiveComponentFactory.create(

features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/components/TangemPayDetailsComponent.kt

@@ -126,6 +126,14 @@ internal class TangemPayDetailsComponent(
                     depositAddress = navigation.depositAddress,
                     cryptoCurrency = navigation.cryptoCurrency,
                     listener = model,
+                    virtualAccountOnramp = navigation.virtualAccountOnramp,
+                ),
+            )
+            is TangemPayDetailsNavigation.VirtualAccountDeposit -> TangemPayVirtualAccountDepositComponent(
+                appComponentContext = context,
+                params = TangemPayVirtualAccountDepositComponent.Params(
+                    virtualAccountOnramp = navigation.virtualAccountOnramp,
+                    onDismiss = model.bottomSheetNavigation::dismiss,
                 ),
             )
             is TangemPayDetailsNavigation.IssueAdditionalCard -> TangemPayIssueAdditionalCardComponent(

features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/components/TangemPayVirtualAccountDepositComponent.kt

@@ -0,0 +1,35 @@
+package com.tangem.features.tangempay.components
+
+import androidx.compose.runtime.Composable
+import com.tangem.core.decompose.context.AppComponentContext
+import com.tangem.core.decompose.model.getOrCreateModel
+import com.tangem.core.ui.decompose.ComposableBottomSheetComponent
+import com.tangem.domain.models.account.VirtualAccountOnramp
+import com.tangem.features.tangempay.model.TangemPayVirtualAccountDepositModel
+import com.tangem.features.tangempay.ui.TangemPayVirtualAccountDepositBottomSheet
+
+/**
+ * Bank-transfer deposit bottom sheet (VA MVP0, TWI-1638). Opened from the add-funds "Bank transfer" option.
+ * Renders the on-ramp intro; the [VirtualAccountOnramp.Eligible] state additionally shows a T&C consent footer.
+ */
+internal class TangemPayVirtualAccountDepositComponent(
+    appComponentContext: AppComponentContext,
+    params: Params,
+) : ComposableBottomSheetComponent, AppComponentContext by appComponentContext {
+
+    private val model: TangemPayVirtualAccountDepositModel = getOrCreateModel(params = params)
+
+    override fun dismiss() {
+        model.onDismiss()
+    }
+
+    @Composable
+    override fun BottomSheet() {
+        TangemPayVirtualAccountDepositBottomSheet(state = model.uiState)
+    }
+
+    data class Params(
+        val virtualAccountOnramp: VirtualAccountOnramp,
+        val onDismiss: () -> Unit,
+    )
+}

features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/di/TangemPayModelModule.kt

@@ -45,6 +45,11 @@ internal interface TangemPayModelModule {
     @ClassKey(TangemPayAddFundsModel::class)
     fun bindTangemPayAddFundsModel(model: TangemPayAddFundsModel): Model
 
+    @Binds
+    @IntoMap
+    @ClassKey(TangemPayVirtualAccountDepositModel::class)
+    fun bindTangemPayVirtualAccountDepositModel(model: TangemPayVirtualAccountDepositModel): Model
+
     @Binds
     @IntoMap
     @ClassKey(TangemPayViewPinModel::class)

features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/entity/TangemPayCardNavigation.kt

@@ -1,6 +1,7 @@
 package com.tangem.features.tangempay.entity
 
 import com.tangem.domain.models.TokenReceiveConfig
+import com.tangem.domain.models.account.VirtualAccountOnramp
 import com.tangem.domain.models.currency.CryptoCurrency
 import com.tangem.domain.models.serialization.SerializedBigDecimal
 import com.tangem.domain.models.wallet.UserWalletId
@@ -30,6 +31,12 @@ internal sealed class TangemPayCardNavigation {
         val fiatBalance: SerializedBigDecimal,
         val depositAddress: String,
         val cryptoCurrency: CryptoCurrency,
+        val virtualAccountOnramp: VirtualAccountOnramp?,
+    ) : TangemPayCardNavigation()
+
+    @Serializable
+    data class VirtualAccountDeposit(
+        val virtualAccountOnramp: VirtualAccountOnramp,
     ) : TangemPayCardNavigation()
 
     @Serializable

features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/entity/TangemPayDetailsNavigation.kt

@@ -1,6 +1,7 @@
 package com.tangem.features.tangempay.entity
 
 import com.tangem.domain.models.TokenReceiveConfig
+import com.tangem.domain.models.account.VirtualAccountOnramp
 import com.tangem.domain.models.currency.CryptoCurrency
 import com.tangem.domain.models.serialization.SerializedBigDecimal
 import com.tangem.domain.models.serialization.SerializedCurrency
@@ -21,6 +22,12 @@ internal sealed class TangemPayDetailsNavigation {
         val fiatBalance: SerializedBigDecimal,
         val depositAddress: String,
         val cryptoCurrency: CryptoCurrency,
+        val virtualAccountOnramp: VirtualAccountOnramp?,
+    ) : TangemPayDetailsNavigation()
+
+    @Serializable
+    data class VirtualAccountDeposit(
+        val virtualAccountOnramp: VirtualAccountOnramp,
     ) : TangemPayDetailsNavigation()
 
     @Serializable

features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/entity/TangemPayVirtualAccountDepositUM.kt

@@ -0,0 +1,27 @@
+package com.tangem.features.tangempay.entity
+
+import androidx.compose.runtime.Immutable
+import com.tangem.core.ui.extensions.TextReference
+import kotlinx.collections.immutable.ImmutableList
+
+/**
+ * UI state of the bank-transfer deposit bottom sheet (VA MVP0, TWI-1638).
+ *
+ * @property shouldShowTermsAndConditions `true` for the `Eligible` state — shows the provider T&C consent footer.
+ */
+@Immutable
+internal data class TangemPayVirtualAccountDepositUM(
+    val fees: ImmutableList<FeeRow>,
+    val shouldShowTermsAndConditions: Boolean,
+    val onShowDetailsClick: () -> Unit,
+    val onDismiss: () -> Unit,
+    val onTermsClick: () -> Unit,
+    val onPrivacyClick: () -> Unit,
+) {
+
+    @Immutable
+    data class FeeRow(
+        val title: TextReference,
+        val value: String,
+    )
+}

features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/model/TangemPayAddFundsModel.kt

@@ -11,6 +11,7 @@ import com.tangem.features.tangempay.TangemPayFeatureToggles
 import com.tangem.features.tangempay.components.TangemPayAddFundsComponent
 import com.tangem.features.tangempay.entity.TangemPayAddFundsUM
 import com.tangem.features.tangempay.model.transformers.TangemPayAddFundsUMConverter
+import com.tangem.features.virtualaccount.VirtualAccountFeatureToggles
 import com.tangem.utils.coroutines.CoroutineDispatcherProvider
 import javax.inject.Inject
 
@@ -20,6 +21,7 @@ internal class TangemPayAddFundsModel @Inject constructor(
     paramsContainer: ParamsContainer,
     override val dispatchers: CoroutineDispatcherProvider,
     private val tangemPayFeatureToggles: TangemPayFeatureToggles,
+    private val virtualAccountToggles: VirtualAccountFeatureToggles,
 ) : Model() {
 
     private val params = paramsContainer.require<TangemPayAddFundsComponent.Params>()
@@ -43,6 +45,7 @@ internal class TangemPayAddFundsModel @Inject constructor(
         return TangemPayAddFundsUMConverter(
             listener = params.listener,
             isRedesignEnabled = tangemPayFeatureToggles.isRedesignEnabled,
+            shouldShowBankTransfer = virtualAccountToggles.isVaMvp0Enabled && params.virtualAccountOnramp != null,
         ).convert(data)
     }
 

features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/model/TangemPayCardPageModel.kt

@@ -449,6 +449,7 @@ internal class TangemPayCardPageModel @Inject constructor(
                         cryptoBalance = balance.cryptoBalance.balance,
                         depositAddress = balance.cryptoBalance.depositAddress,
                         cryptoCurrency = cryptoCurrency,
+                        virtualAccountOnramp = currentStatus.value.ifLoadedOrNull { it.virtualAccount },
                     ),
                 )
             }
@@ -484,6 +485,12 @@ internal class TangemPayCardPageModel @Inject constructor(
         )
     }
 
+    override fun onClickBankTransfer() {
+        val onramp = currentStatus.value.ifLoadedOrNull { it.virtualAccount } ?: return
+        bottomSheetNavigation.dismiss()
+        bottomSheetNavigation.activate(TangemPayCardNavigation.VirtualAccountDeposit(onramp))
+    }
+
     override fun onDismissAddFunds() {
         bottomSheetNavigation.dismiss()
     }

features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/model/TangemPayDetailsModel.kt

@@ -175,6 +175,7 @@ internal class TangemPayDetailsModel @Inject constructor(
                     cryptoBalance = balance.availableForWithdrawal,
                     depositAddress = balance.cryptoBalance.depositAddress,
                     cryptoCurrency = cryptoCurrency,
+                    virtualAccountOnramp = currentStatus.value.ifLoadedOrNull { it.virtualAccount },
                 ),
             )
         }
@@ -309,6 +310,12 @@ internal class TangemPayDetailsModel @Inject constructor(
         )
     }
 
+    override fun onClickBankTransfer() {
+        val onramp = currentStatus.value.ifLoadedOrNull { it.virtualAccount } ?: return
+        bottomSheetNavigation.dismiss()
+        bottomSheetNavigation.activate(TangemPayDetailsNavigation.VirtualAccountDeposit(onramp))
+    }
+
     override fun onClickReceive(data: TangemPayTopUpData) {
         analytics.send(TangemPayAnalyticsEvents.ReceiveFundsClicked())
         bottomSheetNavigation.dismiss()

features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/model/TangemPayVirtualAccountDepositModel.kt

@@ -0,0 +1,50 @@
+package com.tangem.features.tangempay.model
+
+import androidx.compose.runtime.Stable
+import com.tangem.core.decompose.di.ModelScoped
+import com.tangem.core.decompose.model.Model
+import com.tangem.core.decompose.model.ParamsContainer
+import com.tangem.core.navigation.url.UrlOpener
+import com.tangem.core.ui.extensions.stringReference
+import com.tangem.domain.models.account.VirtualAccountOnramp
+import com.tangem.features.tangempay.components.TangemPayVirtualAccountDepositComponent
+import com.tangem.features.tangempay.entity.TangemPayVirtualAccountDepositUM
+import com.tangem.utils.coroutines.CoroutineDispatcherProvider
+import kotlinx.collections.immutable.persistentListOf
+import javax.inject.Inject
+
+@Stable
+@ModelScoped
+internal class TangemPayVirtualAccountDepositModel @Inject constructor(
+    paramsContainer: ParamsContainer,
+    override val dispatchers: CoroutineDispatcherProvider,
+    private val urlOpener: UrlOpener,
+) : Model() {
+
+    private val params = paramsContainer.require<TangemPayVirtualAccountDepositComponent.Params>()
+
+    val uiState: TangemPayVirtualAccountDepositUM = TangemPayVirtualAccountDepositUM(
+        fees = persistentListOf(
+            TangemPayVirtualAccountDepositUM.FeeRow(title = stringReference("ACH"), value = "$1"),
+            TangemPayVirtualAccountDepositUM.FeeRow(title = stringReference("FedWire"), value = "$11"),
+        ),
+        shouldShowTermsAndConditions = params.virtualAccountOnramp is VirtualAccountOnramp.Eligible,
+        onShowDetailsClick = ::onShowDetailsClick,
+        onDismiss = ::onDismiss,
+        onTermsClick = { urlOpener.openUrl(TERMS_OF_USE_URL) },
+        onPrivacyClick = { urlOpener.openUrl(PRIVACY_POLICY_URL) },
+    )
+
+    fun onDismiss() {
+        params.onDismiss()
+    }
+
+    private fun onShowDetailsClick() {
+        // TODO([REDACTED_TASK_KEY]): VA MVP0 — open the bank-transfer requisites screen (separate PR).
+    }
+
+    private companion object {
+        const val TERMS_OF_USE_URL = "https://tangem.com/docs/en/virtual-account-terms.pdf"
+        const val PRIVACY_POLICY_URL = "https://tangem.com/docs/en/pay-privacy-policy.pdf"
+    }
+}

features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/model/transformers/TangemPayAddFundsUMConverter.kt

@@ -1,38 +1,32 @@
 package com.tangem.features.tangempay.model.transformers
 
 import com.tangem.core.ui.ds.image.TangemIconUM
-import com.tangem.core.ui.extensions.TextReference
+import com.tangem.core.ui.extensions.resourceReference
+import com.tangem.core.ui.extensions.stringReference
 import com.tangem.core.ui.res.TangemTheme
 import com.tangem.core.ui.res.generated.icons.Icons
 import com.tangem.core.ui.res.generated.icons.ic_card_20
 import com.tangem.core.ui.res.generated.icons.ic_logo_tangem_20
+import com.tangem.core.ui.res.generated.icons.ic_sign_usd_20
 import com.tangem.domain.pay.model.TangemPayTopUpData
 import com.tangem.features.tangempay.components.AddFundsListener
 import com.tangem.features.tangempay.details.impl.R
 import com.tangem.features.tangempay.entity.TangemPayAddFundsItemUM
 import com.tangem.features.tangempay.entity.TangemPayAddFundsUM
-import com.tangem.features.tangempay.entity.TangemPayDetailsErrorType
-import com.tangem.features.tangempay.utils.TangemPayMessagesFactory
 import com.tangem.utils.converter.Converter
-import kotlinx.collections.immutable.persistentListOf
+import com.tangem.utils.extensions.addIf
+import kotlinx.collections.immutable.toPersistentList
 
 internal class TangemPayAddFundsUMConverter(
     val listener: AddFundsListener,
     val isRedesignEnabled: Boolean,
-) : Converter<TangemPayTopUpData?, TangemPayAddFundsUM> {
+    val shouldShowBankTransfer: Boolean,
+) : Converter<TangemPayTopUpData, TangemPayAddFundsUM> {
 
-    override fun convert(value: TangemPayTopUpData?): TangemPayAddFundsUM {
-        return if (value == null) {
-            TangemPayAddFundsUM(
-                items = persistentListOf(),
-                dismiss = listener::onDismissAddFunds,
-                errorMessage = TangemPayMessagesFactory.createErrorMessage(
-                    errorType = TangemPayDetailsErrorType.Receive,
-                ).messageBottomSheetUM,
-            )
-        } else {
-            TangemPayAddFundsUM(
-                items = persistentListOf(
+    @Suppress("UnnecessaryLet")
+    override fun convert(value: TangemPayTopUpData): TangemPayAddFundsUM {
+        return TangemPayAddFundsUM(
+            items = buildList {
                 TangemPayAddFundsItemUM(
                     icon = if (isRedesignEnabled) {
                         TangemIconUM.Icon(
@@ -49,10 +43,10 @@ internal class TangemPayAddFundsUMConverter(
                             },
                         )
                     },
-                        title = TextReference.Res(R.string.tangempay_topup_swap_title),
-                        description = TextReference.Res(R.string.tangempay_topup_swap_body),
+                    title = resourceReference(R.string.tangempay_topup_swap_title),
+                    description = resourceReference(R.string.tangempay_topup_swap_body),
                     onClick = { listener.onClickSwap(value) },
-                    ),
+                ).let(::add)
                 TangemPayAddFundsItemUM(
                     icon = if (isRedesignEnabled) {
                         TangemIconUM.Icon(
@@ -69,14 +63,27 @@ internal class TangemPayAddFundsUMConverter(
                             },
                         )
                     },
-                        title = TextReference.Res(R.string.tangempay_topup_receive_title),
-                        description = TextReference.Res(R.string.tangempay_topup_receive_body),
+                    title = resourceReference(R.string.tangempay_topup_receive_title),
+                    description = resourceReference(R.string.tangempay_topup_receive_body),
                     onClick = { listener.onClickReceive(value) },
+                ).let(::add)
+                addIf(
+                    condition = shouldShowBankTransfer,
+                    create = {
+                        TangemPayAddFundsItemUM(
+                            icon = TangemIconUM.Icon(
+                                imageVector = Icons.ic_sign_usd_20,
+                                tintReference = { TangemTheme.colors3.icon.brand },
                             ),
-                ),
+                            title = stringReference("Bank transfer"),
+                            description = stringReference("Receive fiat USD via ACH/FedWire"),
+                            onClick = listener::onClickBankTransfer,
+                        )
+                    },
+                )
+            }.toPersistentList(),
             dismiss = listener::onDismissAddFunds,
             errorMessage = null,
         )
     }
 }
-}

features/tangempay/details/impl/src/main/kotlin/com/tangem/features/tangempay/ui/TangemPayVirtualAccountDepositBottomSheet.kt

@@ -0,0 +1,302 @@
+package com.tangem.features.tangempay.ui
+
+import android.content.res.Configuration
+import androidx.compose.foundation.Image
+import androidx.compose.foundation.background
+import androidx.compose.foundation.border
+import androidx.compose.foundation.layout.*
+import androidx.compose.foundation.shape.CircleShape
+import androidx.compose.foundation.shape.RoundedCornerShape
+import androidx.compose.material3.Icon
+import androidx.compose.material3.Text
+import androidx.compose.runtime.Composable
+import androidx.compose.ui.Alignment
+import androidx.compose.ui.Modifier
+import androidx.compose.ui.draw.clip
+import androidx.compose.ui.res.painterResource
+import androidx.compose.ui.text.LinkAnnotation
+import androidx.compose.ui.text.SpanStyle
+import androidx.compose.ui.text.buildAnnotatedString
+import androidx.compose.ui.text.style.TextAlign
+import androidx.compose.ui.text.withLink
+import androidx.compose.ui.text.withStyle
+import androidx.compose.ui.tooling.preview.Preview
+import androidx.compose.ui.unit.dp
+import com.tangem.core.ui.components.bottomsheets.TangemBottomSheet
+import com.tangem.core.ui.components.bottomsheets.TangemBottomSheetConfig
+import com.tangem.core.ui.components.bottomsheets.TangemBottomSheetConfigContent
+import com.tangem.core.ui.components.bottomsheets.TangemBottomSheetType
+import com.tangem.core.ui.ds.topbar.TangemTopBar
+import com.tangem.core.ui.ds.topbar.TangemTopBarType
+import com.tangem.core.ui.ds2.button.Close
+import com.tangem.core.ui.ds2.button.TangemButton
+import com.tangem.core.ui.ds2.row.*
+import com.tangem.core.ui.extensions.TextReference
+import com.tangem.core.ui.extensions.resolveReference
+import com.tangem.core.ui.extensions.stringReference
+import com.tangem.core.ui.res.TangemTheme
+import com.tangem.core.ui.res.TangemThemePreviewRedesign
+import com.tangem.core.ui.res.generated.icons.Icons
+import com.tangem.core.ui.res.generated.icons.ic_info_24
+import com.tangem.core.ui.res.generated.icons.ic_sign_usd_32
+import com.tangem.features.tangempay.entity.TangemPayVirtualAccountDepositUM
+import kotlinx.collections.immutable.ImmutableList
+import kotlinx.collections.immutable.persistentListOf
+import com.tangem.core.ui.R as CoreUiR
+
+@Composable
+internal fun TangemPayVirtualAccountDepositBottomSheet(state: TangemPayVirtualAccountDepositUM) {
+    TangemBottomSheet<TangemBottomSheetConfigContent.Empty>(
+        config = TangemBottomSheetConfig(
+            isShown = true,
+            onDismissRequest = state.onDismiss,
+            content = TangemBottomSheetConfigContent.Empty,
+        ),
+        type = TangemBottomSheetType.Modal,
+        containerColor = TangemTheme.colors3.bg.secondary,
+        title = {
+            TangemTopBar(
+                type = TangemTopBarType.BottomSheet,
+                title = null,
+                endContent = { TangemButton.Close(onClick = state.onDismiss) },
+            )
+        },
+        content = { _ -> DepositContent(state) },
+    )
+}
+
+@Composable
+private fun DepositContent(state: TangemPayVirtualAccountDepositUM, modifier: Modifier = Modifier) {
+    Column(
+        modifier = modifier
+            .fillMaxWidth()
+            .padding(horizontal = TangemTheme.dimens2.x4)
+            .padding(bottom = TangemTheme.dimens2.x4),
+        horizontalAlignment = Alignment.CenterHorizontally,
+    ) {
+        IntroIcons(modifier = Modifier.padding(top = TangemTheme.dimens2.x4))
+        TitleText(
+            text = stringReference("Bank transfer might take 1-2 business days"),
+            modifier = Modifier.padding(top = TangemTheme.dimens2.x8),
+        )
+        SubtitleText(
+            text = stringReference("Received USD will be converted to USDC by 1:1 rate"),
+            modifier = Modifier.padding(top = TangemTheme.dimens2.x2),
+        )
+        FeesBlock(
+            fees = state.fees,
+            modifier = Modifier.padding(top = TangemTheme.dimens2.x6),
+        )
+        InfoNotification(
+            text = stringReference("Deposit via ACH or FedWire only. SWIFT transfers will be returned."),
+            modifier = Modifier.padding(top = TangemTheme.dimens2.x4),
+        )
+        TangemButton(
+            modifier = Modifier
+                .fillMaxWidth()
+                .padding(top = TangemTheme.dimens2.x4),
+            text = stringReference("Show details"),
+            variant = TangemButton.Variant.Primary,
+            size = TangemButton.Size.X12,
+            onClick = state.onShowDetailsClick,
+        )
+        if (state.shouldShowTermsAndConditions) {
+            TermsFooter(
+                onTermsClick = state.onTermsClick,
+                onPrivacyClick = state.onPrivacyClick,
+                modifier = Modifier.padding(top = TangemTheme.dimens2.x3),
+            )
+        }
+    }
+}
+
+@Composable
+private fun FeesBlock(fees: ImmutableList<TangemPayVirtualAccountDepositUM.FeeRow>, modifier: Modifier = Modifier) {
+    Column(modifier = modifier.fillMaxWidth()) {
+        Text(
+            modifier = Modifier.padding(
+                start = TangemTheme.dimens2.x4,
+                bottom = TangemTheme.dimens2.x2,
+            ),
+            text = stringReference("Fee for onramp").resolveReference(),
+            style = TangemTheme.typography3.caption.medium,
+            color = TangemTheme.colors3.text.secondary,
+        )
+        fees.forEachIndexed { index, fee ->
+            TangemRow(
+                contentLead = TangemRowContentLead.Equal,
+                verticalAlignment = TangemRowVerticalAlignment.Center,
+                divider = index != fees.lastIndex,
+                titleSlot = { TangemRowText(text = fee.title, role = TangemRowTextRole.Title) },
+                valueSlot = { TangemRowText(text = stringReference(fee.value), role = TangemRowTextRole.Value) },
+            )
+        }
+    }
+}
+
+@Composable
+private fun InfoNotification(text: TextReference, modifier: Modifier = Modifier) {
+    Row(
+        modifier = modifier
+            .fillMaxWidth()
+            .clip(RoundedCornerShape(TangemTheme.dimens2.x4))
+            .background(TangemTheme.colors3.bg.status.infoSubtle)
+            .padding(TangemTheme.dimens2.x4),
+        horizontalArrangement = Arrangement.spacedBy(TangemTheme.dimens2.x2),
+    ) {
+        Icon(
+            modifier = Modifier.size(TangemTheme.dimens2.x5),
+            imageVector = Icons.ic_info_24,
+            contentDescription = null,
+            tint = TangemTheme.colors3.icon.status.info,
+        )
+        Text(
+            text = text.resolveReference(),
+            style = TangemTheme.typography3.subheading.medium,
+            color = TangemTheme.colors3.text.primary,
+        )
+    }
+}
+
+@Composable
+private fun TermsFooter(onTermsClick: () -> Unit, onPrivacyClick: () -> Unit, modifier: Modifier = Modifier) {
+    val linkStyle = SpanStyle(color = TangemTheme.colors3.text.primary)
+    val text = buildAnnotatedString {
+        append("By using service, you agree with provider ")
+        withLink(LinkAnnotation.Clickable(tag = "terms", linkInteractionListener = { onTermsClick() })) {
+            withStyle(linkStyle) { append("Terms of Use") }
+        }
+        append(" and ")
+        withLink(LinkAnnotation.Clickable(tag = "privacy", linkInteractionListener = { onPrivacyClick() })) {
+            withStyle(linkStyle) { append("Privacy Policy") }
+        }
+    }
+    Text(
+        modifier = modifier.fillMaxWidth(),
+        text = text,
+        style = TangemTheme.typography3.caption.medium,
+        color = TangemTheme.colors3.text.secondary,
+        textAlign = TextAlign.Center,
+    )
+}
+
+@Composable
+private fun IntroIcons(modifier: Modifier = Modifier) {
+    Row(
+        modifier = modifier,
+        horizontalArrangement = Arrangement.spacedBy(-TangemTheme.dimens2.x4),
+    ) {
+        UsdIcon()
+        UsdcIcon()
+    }
+}
+
+@Composable
+private fun UsdIcon(modifier: Modifier = Modifier) {
+    Box(
+        modifier = modifier
+            .size(TangemTheme.dimens2.x20)
+            .clip(CircleShape)
+            .background(TangemTheme.colors3.bg.opaque.primary)
+            .border(width = 1.dp, color = TangemTheme.colors3.border.secondary, shape = CircleShape),
+        contentAlignment = Alignment.Center,
+    ) {
+        Icon(
+            modifier = Modifier.size(TangemTheme.dimens2.x8),
+            imageVector = Icons.ic_sign_usd_32,
+            contentDescription = null,
+            tint = TangemTheme.colors3.icon.primary,
+        )
+    }
+}
+
+@Composable
+private fun UsdcIcon(modifier: Modifier = Modifier) {
+    Box(modifier = modifier.size(TangemTheme.dimens2.x20)) {
+        Image(
+            modifier = Modifier
+                .fillMaxSize()
+                .clip(CircleShape)
+                .border(width = 1.dp, color = TangemTheme.colors3.border.secondary, shape = CircleShape),
+            painter = painterResource(CoreUiR.drawable.img_usdc_16),
+            contentDescription = null,
+        )
+        Box(
+            modifier = Modifier
+                .align(Alignment.TopEnd)
+                .size(TangemTheme.dimens2.x6)
+                .background(color = TangemTheme.colors3.bg.accent.violet, shape = CircleShape)
+                .border(
+                    width = TangemTheme.dimens2.x0_5,
+                    color = TangemTheme.colors3.bg.secondary,
+                    shape = CircleShape,
+                ),
+            contentAlignment = Alignment.Center,
+        ) {
+            Icon(
+                modifier = Modifier.size(TangemTheme.dimens2.x4),
+                painter = painterResource(CoreUiR.drawable.ic_polygon_22),
+                contentDescription = null,
+                tint = TangemTheme.colors3.icon.inverse,
+            )
+        }
+    }
+}
+
+@Composable
+private fun TitleText(text: TextReference, modifier: Modifier = Modifier) {
+    Text(
+        modifier = modifier.fillMaxWidth(),
+        text = text.resolveReference(),
+        style = TangemTheme.typography3.heading.small,
+        color = TangemTheme.colors3.text.primary,
+        textAlign = TextAlign.Center,
+    )
+}
+
+@Composable
+private fun SubtitleText(text: TextReference, modifier: Modifier = Modifier) {
+    Text(
+        modifier = modifier.fillMaxWidth(),
+        text = text.resolveReference(),
+        style = TangemTheme.typography3.subheading.medium,
+        color = TangemTheme.colors3.text.secondary,
+        textAlign = TextAlign.Center,
+    )
+}
+
+private fun previewState(shouldShowTermsAndConditions: Boolean) = TangemPayVirtualAccountDepositUM(
+    fees = persistentListOf(
+        TangemPayVirtualAccountDepositUM.FeeRow(title = stringReference("ACH"), value = "$1"),
+        TangemPayVirtualAccountDepositUM.FeeRow(title = stringReference("FedWire"), value = "$11"),
+    ),
+    shouldShowTermsAndConditions = shouldShowTermsAndConditions,
+    onShowDetailsClick = {},
+    onDismiss = {},
+    onTermsClick = {},
+    onPrivacyClick = {},
+)
+
+@Preview(showBackground = true)
+@Preview(showBackground = true, uiMode = Configuration.UI_MODE_NIGHT_YES)
+@Composable
+private fun DepositEligiblePreview() {
+    TangemThemePreviewRedesign {
+        DepositContent(
+            state = previewState(shouldShowTermsAndConditions = true),
+            modifier = Modifier.background(TangemTheme.colors3.bg.secondary),
+        )
+    }
+}
+
+@Preview(showBackground = true)
+@Preview(showBackground = true, uiMode = Configuration.UI_MODE_NIGHT_YES)
+@Composable
+private fun DepositAvailablePreview() {
+    TangemThemePreviewRedesign {
+        DepositContent(
+            state = previewState(shouldShowTermsAndConditions = false),
+            modifier = Modifier.background(TangemTheme.colors3.bg.secondary),
+        )
+    }
+}