Updated on 2026-08-14

app/src/main/AndroidManifest.xml

@@ -313,6 +313,16 @@
                 <category android:name="android.intent.category.DEFAULT" />
                 <category android:name="android.intent.category.BROWSABLE" />
 
+                <data
+                    android:host="onboard-virtual-account"
+                    android:scheme="tangem" />
+            </intent-filter>
+            <intent-filter>
+                <action android:name="android.intent.action.VIEW" />
+
+                <category android:name="android.intent.category.DEFAULT" />
+                <category android:name="android.intent.category.BROWSABLE" />
+
                 <data
                     android:host="news"
                     android:scheme="tangem" />

app/src/main/java/com/tangem/tap/routing/utils/ChildFactory.kt

@@ -43,6 +43,7 @@ import com.tangem.features.tangempay.components.TangemPayHotWalletOnboardingComp
 import com.tangem.features.tangempay.components.TangemPayOnboardingComponent
 import com.tangem.features.tangempay.components.TangemPayOnboardingComponent.Params.*
 import com.tangem.features.tokendetails.TokenDetailsComponent
+import com.tangem.features.virtualaccount.onboarding.component.VirtualAccountOnboardingComponent
 import com.tangem.features.wallet.WalletEntryComponent
 import com.tangem.features.walletconnect.components.WalletConnectEntryComponent
 import com.tangem.features.yield.supply.api.YieldSupplyEntryComponent
@@ -113,6 +114,7 @@ internal class ChildFactory @Inject constructor(
     private val tangemPayDetailsContainerComponentFactory: TangemPayDetailsContainerComponent.Factory,
     private val tangemPayOnboardingComponentFactory: TangemPayOnboardingComponent.Factory,
     private val tangemPayWalletOnboardingComponentFactory: TangemPayHotWalletOnboardingComponent.Factory,
+    private val virtualAccountOnboardingComponentFactory: VirtualAccountOnboardingComponent.Factory,
     private val kycComponentFactory: KycComponent.Factory,
     private val surveyComponentFactory: SurveyComponent.Factory,
     private val yieldSupplyEntryComponentFactory: YieldSupplyEntryComponent.Factory,
@@ -696,6 +698,23 @@ internal class ChildFactory @Inject constructor(
                     componentFactory = tangemPayWalletOnboardingComponentFactory,
                 )
             }
+            is AppRoute.VirtualAccountOnboarding -> {
+                createComponentChild(
+                    context = context,
+                    params = when (val mode = route.mode) {
+                        is AppRoute.VirtualAccountOnboarding.Mode.Deeplink ->
+                            VirtualAccountOnboardingComponent.Params.Deeplink(
+                                userWalletId = mode.userWalletId,
+                                deeplink = mode.deeplink,
+                            )
+                        is AppRoute.VirtualAccountOnboarding.Mode.FromMain ->
+                            VirtualAccountOnboardingComponent.Params.FromMain(userWalletId = mode.userWalletId)
+                        is AppRoute.VirtualAccountOnboarding.Mode.FromDetailsScreen ->
+                            VirtualAccountOnboardingComponent.Params.FromDetailsScreen(userWalletId = mode.userWalletId)
+                    },
+                    componentFactory = virtualAccountOnboardingComponentFactory,
+                )
+            }
             is AppRoute.Kyc -> {
                 createComponentChild(
                     context = context,

app/src/main/java/com/tangem/tap/routing/utils/DeepLinkFactory.kt

@@ -21,6 +21,7 @@ import com.tangem.features.send.api.deeplink.SellRedirectDeepLinkHandler
 import com.tangem.features.staking.api.deeplink.StakingDeepLinkHandler
 import com.tangem.features.survey.deeplink.SurveyDeepLinkHandler
 import com.tangem.features.tangempay.deeplink.OnboardVisaDeepLinkHandler
+import com.tangem.features.virtualaccount.onboarding.deeplink.OnboardVirtualAccountsDeepLinkHandler
 import com.tangem.features.tangempay.deeplink.TangemPayMainDeepLinkHandler
 import com.tangem.features.tokendetails.deeplink.TokenDetailsDeepLinkHandler
 import com.tangem.features.wallet.deeplink.PromoDeeplinkHandler
@@ -57,6 +58,7 @@ internal class DeepLinkFactory @Inject constructor(
     private val swapDeepLink: SwapDeepLinkHandler.Factory,
     private val promoDeepLink: PromoDeeplinkHandler.Factory,
     private val onboardVisaDeepLink: OnboardVisaDeepLinkHandler.Factory,
+    private val onboardVirtualAccountsDeepLink: OnboardVirtualAccountsDeepLinkHandler.Factory,
     private val marketsTokenExchangesDeepLink: MarketsTokenExchangesDeepLinkHandler.Factory,
     private val tangemPayMainDeepLink: TangemPayMainDeepLinkHandler.Factory,
     private val newsDetailsDeepLink: NewsDetailsDeepLinkHandler.Factory,
@@ -173,6 +175,7 @@ internal class DeepLinkFactory @Inject constructor(
             DeepLinkRoute.WalletConnect.host -> walletConnectDeepLink.create(deeplinkUri)
             DeepLinkRoute.Promo.host -> promoDeepLink.create(coroutineScope, queryParams)
             DeepLinkRoute.OnboardVisa.host -> onboardVisaDeepLink.create(deeplinkUri)
+            DeepLinkRoute.OnboardVirtualAccounts.host -> onboardVirtualAccountsDeepLink.create(deeplinkUri)
             DeepLinkRoute.News.host -> newsDeepLink.create(queryParams)
             DeepLinkRoute.Earn.host -> earnDeepLink.create(queryParams)
             DeepLinkRoute.Yield.host -> yieldDeepLink.create(coroutineScope, queryParams)

app/src/test/kotlin/com/tangem/tap/routing/utils/DeepLinkFactoryTest.kt

@@ -19,6 +19,7 @@ import com.tangem.features.onramp.deeplink.SwapDeepLinkHandler
 import com.tangem.features.send.api.deeplink.SellRedirectDeepLinkHandler
 import com.tangem.features.staking.api.deeplink.StakingDeepLinkHandler
 import com.tangem.features.tangempay.deeplink.OnboardVisaDeepLinkHandler
+import com.tangem.features.virtualaccount.onboarding.deeplink.OnboardVirtualAccountsDeepLinkHandler
 import com.tangem.features.tangempay.deeplink.TangemPayMainDeepLinkHandler
 import com.tangem.features.tokendetails.deeplink.TokenDetailsDeepLinkHandler
 import com.tangem.features.wallet.deeplink.PromoDeeplinkHandler
@@ -84,6 +85,10 @@ class DeepLinkFactoryTest {
         every { create(any()) } returns mockk()
     }
 
+    private val onboardVirtualAccountsDeepLink = mockk<OnboardVirtualAccountsDeepLinkHandler.Factory>(relaxed = true) {
+        every { create(any()) } returns mockk()
+    }
+
     private val tangemPayMainDeepLink = mockk<TangemPayMainDeepLinkHandler.Factory>(relaxed = true) {
         every { create(any(), any()) } returns mockk()
     }
@@ -140,6 +145,7 @@ class DeepLinkFactoryTest {
         swapDeepLink = swapDeepLinkFactory,
         promoDeepLink = promoDeepLinkFactory,
         onboardVisaDeepLink = onboardVisaDeepLink,
+        onboardVirtualAccountsDeepLink = onboardVirtualAccountsDeepLink,
         tangemPayMainDeepLink = tangemPayMainDeepLink,
         newsDetailsDeepLink = newsDeeplink,
         newsDeepLink = newsDeepLinkFactory,

common/routing/src/main/kotlin/com/tangem/common/routing/AppRoute.kt

@@ -511,6 +511,24 @@ sealed class AppRoute(val path: String) : Route {
     @Serializable
     data class Kyc(val userWalletId: UserWalletId) : AppRoute(path = "/kyc")
 
+    @Serializable
+    data class VirtualAccountOnboarding(
+        val mode: Mode,
+    ) : AppRoute(path = "/virtual_account_onboarding/$mode") {
+
+        @Serializable
+        sealed class Mode {
+            @Serializable
+            data class Deeplink(val userWalletId: UserWalletId, val deeplink: String) : Mode()
+
+            @Serializable
+            data class FromMain(val userWalletId: UserWalletId) : Mode()
+
+            @Serializable
+            data class FromDetailsScreen(val userWalletId: UserWalletId) : Mode()
+        }
+    }
+
     @Serializable
     data class Survey(val token: String, val displayId: String? = null) : AppRoute(path = "/survey")
 

common/routing/src/main/kotlin/com/tangem/common/routing/DeepLinkRoute.kt

@@ -68,6 +68,10 @@ sealed class DeepLinkRoute {
         override val host: String = "onboard-visa"
     }
 
+    data object OnboardVirtualAccounts : DeepLinkRoute() {
+        override val host: String = "onboard-virtual-account"
+    }
+
     data object PayApp : DeepLinkRoute() {
         override val host: String = "tangem.com"
     }

core/datasource/src/main/java/com/tangem/datasource/api/pay/models/response/CustomerMeResponse.kt

@@ -35,7 +35,17 @@ data class CustomerMeResponse(
         @Json(name = "display_name") val displayName: String?,
         @Json(name = "actual_card_limit") val actualCardLimit: CardLimit?,
         @Json(name = "admin_card_limit") val adminCardLimit: CardLimit?,
+        @Json(name = "product_specification_data_type") val specificationDataType: SpecificationDataType,
     ) {
+        @JsonClass(generateAdapter = false)
+        enum class SpecificationDataType {
+            @Json(name = "ACCOUNT")
+            ACCOUNT,
+
+            @Json(name = "CARD")
+            CARD,
+        }
+
         @JsonClass(generateAdapter = false)
         enum class Status {
             @Json(name = "NEW")

features/virtual-accounts/onboarding/api/build.gradle.kts

@@ -9,4 +9,13 @@ android {
 }
 
 dependencies {
+    /** Core */
+    implementation(projects.core.decompose)
+    implementation(projects.core.ui)
+
+    /** Domain */
+    implementation(projects.domain.models)
+
+    /** Compose */
+    implementation(deps.compose.runtime)
 }

features/virtual-accounts/onboarding/api/src/main/kotlin/com/tangem/features/virtualaccount/onboarding/component/VirtualAccountOnboardingComponent.kt

@@ -0,0 +1,21 @@
+package com.tangem.features.virtualaccount.onboarding.component
+
+import com.tangem.core.decompose.factory.ComponentFactory
+import com.tangem.core.ui.decompose.ComposableContentComponent
+import com.tangem.domain.models.wallet.UserWalletId
+
+interface VirtualAccountOnboardingComponent : ComposableContentComponent {
+
+    sealed class Params {
+
+        abstract val userWalletId: UserWalletId
+
+        data class Deeplink(override val userWalletId: UserWalletId, val deeplink: String) : Params()
+
+        data class FromMain(override val userWalletId: UserWalletId) : Params()
+
+        data class FromDetailsScreen(override val userWalletId: UserWalletId) : Params()
+    }
+
+    interface Factory : ComponentFactory<Params, VirtualAccountOnboardingComponent>
+}

features/virtual-accounts/onboarding/api/src/main/kotlin/com/tangem/features/virtualaccount/onboarding/deeplink/OnboardVirtualAccountsDeepLinkHandler.kt

@@ -0,0 +1,10 @@
+package com.tangem.features.virtualaccount.onboarding.deeplink
+
+import android.net.Uri
+
+interface OnboardVirtualAccountsDeepLinkHandler {
+
+    interface Factory {
+        fun create(uri: Uri): OnboardVirtualAccountsDeepLinkHandler
+    }
+}

features/virtual-accounts/onboarding/impl/build.gradle.kts

@@ -11,11 +11,23 @@ android {
 }
 
 dependencies {
+    /** Core */
+    implementation(projects.core.decompose)
+    implementation(projects.core.error)
+    implementation(projects.core.ui)
+    implementation(projects.core.utils)
+
+    /** Common */
+    implementation(projects.common.routing)
+    implementation(projects.common.ui)
+
     /** Api */
     implementation(projects.features.virtualAccounts.onboarding.api)
 
-    /** Core modules */
+    /** Domain */
-    implementation(projects.core.configToggles)
+    implementation(projects.domain.common)
+    implementation(projects.domain.models)
+    implementation(projects.domain.visa)
 
     /** Compose */
     implementation(deps.compose.foundation)
@@ -27,4 +39,7 @@ dependencies {
     /** DI */
     implementation(deps.hilt.android)
     kapt(deps.hilt.kapt)
+
+    /** Other */
+    implementation(deps.arrow.core)
 }

features/virtual-accounts/onboarding/impl/src/main/kotlin/com/tangem/features/virtualaccount/onboarding/component/DefaultVirtualAccountOnboardingComponent.kt

@@ -0,0 +1,35 @@
+package com.tangem.features.virtualaccount.onboarding.component
+
+import androidx.compose.runtime.Composable
+import androidx.compose.runtime.getValue
+import androidx.compose.ui.Modifier
+import androidx.lifecycle.compose.collectAsStateWithLifecycle
+import com.tangem.core.decompose.context.AppComponentContext
+import com.tangem.core.decompose.model.getOrCreateModel
+import com.tangem.features.virtualaccount.onboarding.model.VirtualAccountOnboardingModel
+import com.tangem.features.virtualaccount.onboarding.ui.VirtualAccountOnboardingScreen
+import dagger.assisted.Assisted
+import dagger.assisted.AssistedFactory
+import dagger.assisted.AssistedInject
+
+internal class DefaultVirtualAccountOnboardingComponent @AssistedInject constructor(
+    @Assisted appComponentContext: AppComponentContext,
+    @Assisted params: VirtualAccountOnboardingComponent.Params,
+) : VirtualAccountOnboardingComponent, AppComponentContext by appComponentContext {
+
+    private val model: VirtualAccountOnboardingModel = getOrCreateModel(params)
+
+    @Composable
+    override fun Content(modifier: Modifier) {
+        val state by model.uiState.collectAsStateWithLifecycle()
+        VirtualAccountOnboardingScreen(modifier = modifier, state = state)
+    }
+
+    @AssistedFactory
+    interface Factory : VirtualAccountOnboardingComponent.Factory {
+        override fun create(
+            context: AppComponentContext,
+            params: VirtualAccountOnboardingComponent.Params,
+        ): DefaultVirtualAccountOnboardingComponent
+    }
+}

features/virtual-accounts/onboarding/impl/src/main/kotlin/com/tangem/features/virtualaccount/onboarding/deeplink/DefaultOnboardVirtualAccountsDeepLinkHandler.kt

@@ -0,0 +1,35 @@
+package com.tangem.features.virtualaccount.onboarding.deeplink
+
+import android.net.Uri
+import com.tangem.common.routing.AppRoute
+import com.tangem.common.routing.AppRouter
+import com.tangem.domain.common.wallets.UserWalletsListRepository
+import com.tangem.utils.logging.TangemLogger
+import dagger.assisted.Assisted
+import dagger.assisted.AssistedFactory
+import dagger.assisted.AssistedInject
+
+internal class DefaultOnboardVirtualAccountsDeepLinkHandler @AssistedInject constructor(
+    @Assisted uri: Uri,
+    appRouter: AppRouter,
+    userWalletsListRepository: UserWalletsListRepository,
+) : OnboardVirtualAccountsDeepLinkHandler {
+
+    init {
+        val userWalletId = userWalletsListRepository.selectedUserWallet.value?.walletId
+        if (userWalletId == null) {
+            TangemLogger.e("Can not open virtual account onboarding deeplink: no selected wallet")
+        } else {
+            val mode = AppRoute.VirtualAccountOnboarding.Mode.Deeplink(
+                userWalletId = userWalletId,
+                deeplink = uri.toString(),
+            )
+            appRouter.push(AppRoute.VirtualAccountOnboarding(mode))
+        }
+    }
+
+    @AssistedFactory
+    interface Factory : OnboardVirtualAccountsDeepLinkHandler.Factory {
+        override fun create(uri: Uri): DefaultOnboardVirtualAccountsDeepLinkHandler
+    }
+}

features/virtual-accounts/onboarding/impl/src/main/kotlin/com/tangem/features/virtualaccount/onboarding/di/VirtualAccountOnboardingFeatureModule.kt

@@ -0,0 +1,25 @@
+package com.tangem.features.virtualaccount.onboarding.di
+
+import com.tangem.features.virtualaccount.onboarding.component.DefaultVirtualAccountOnboardingComponent
+import com.tangem.features.virtualaccount.onboarding.component.VirtualAccountOnboardingComponent
+import com.tangem.features.virtualaccount.onboarding.deeplink.DefaultOnboardVirtualAccountsDeepLinkHandler
+import com.tangem.features.virtualaccount.onboarding.deeplink.OnboardVirtualAccountsDeepLinkHandler
+import dagger.Binds
+import dagger.Module
+import dagger.hilt.InstallIn
+import dagger.hilt.components.SingletonComponent
+import javax.inject.Singleton
+
+@Module
+@InstallIn(SingletonComponent::class)
+internal interface VirtualAccountOnboardingFeatureModule {
+
+    @Binds
+    fun bindFactory(impl: DefaultVirtualAccountOnboardingComponent.Factory): VirtualAccountOnboardingComponent.Factory
+
+    @Binds
+    @Singleton
+    fun bindOnboardVirtualAccountsDeepLinkHandlerFactory(
+        impl: DefaultOnboardVirtualAccountsDeepLinkHandler.Factory,
+    ): OnboardVirtualAccountsDeepLinkHandler.Factory
+}

features/virtual-accounts/onboarding/impl/src/main/kotlin/com/tangem/features/virtualaccount/onboarding/di/VirtualAccountOnboardingModelsModule.kt

@@ -0,0 +1,20 @@
+package com.tangem.features.virtualaccount.onboarding.di
+
+import com.tangem.core.decompose.di.ModelComponent
+import com.tangem.core.decompose.model.Model
+import com.tangem.features.virtualaccount.onboarding.model.VirtualAccountOnboardingModel
+import dagger.Binds
+import dagger.Module
+import dagger.hilt.InstallIn
+import dagger.multibindings.ClassKey
+import dagger.multibindings.IntoMap
+
+@Module
+@InstallIn(ModelComponent::class)
+internal interface VirtualAccountOnboardingModelsModule {
+
+    @Binds
+    @IntoMap
+    @ClassKey(VirtualAccountOnboardingModel::class)
+    fun bindVirtualAccountOnboardingModel(model: VirtualAccountOnboardingModel): Model
+}

features/virtual-accounts/onboarding/impl/src/main/kotlin/com/tangem/features/virtualaccount/onboarding/model/VirtualAccountOnboardingModel.kt

@@ -0,0 +1,96 @@
+package com.tangem.features.virtualaccount.onboarding.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.decompose.navigation.Router
+import com.tangem.domain.pay.repository.OnboardingRepository
+import com.tangem.features.virtualaccount.onboarding.component.VirtualAccountOnboardingComponent
+import com.tangem.features.virtualaccount.onboarding.ui.VirtualAccountOnboardingUM
+import com.tangem.utils.coroutines.CoroutineDispatcherProvider
+import kotlinx.coroutines.delay
+import kotlinx.coroutines.flow.MutableStateFlow
+import kotlinx.coroutines.flow.StateFlow
+import kotlinx.coroutines.flow.update
+import kotlinx.coroutines.launch
+import javax.inject.Inject
+
+@Stable
+@ModelScoped
+internal class VirtualAccountOnboardingModel @Inject constructor(
+    paramsContainer: ParamsContainer,
+    override val dispatchers: CoroutineDispatcherProvider,
+    private val router: Router,
+    private val onboardingRepository: OnboardingRepository,
+) : Model() {
+
+    private val params = paramsContainer.require<VirtualAccountOnboardingComponent.Params>()
+
+    val uiState: StateFlow<VirtualAccountOnboardingUM>
+        field = MutableStateFlow<VirtualAccountOnboardingUM>(VirtualAccountOnboardingUM.Loading(onBack = ::back))
+
+    init {
+        when (params) {
+            is VirtualAccountOnboardingComponent.Params.Deeplink -> validateDeeplinkAndShow(params.deeplink)
+            is VirtualAccountOnboardingComponent.Params.FromMain,
+            is VirtualAccountOnboardingComponent.Params.FromDetailsScreen,
+            -> showOnboarding()
+        }
+    }
+
+    private fun validateDeeplinkAndShow(deeplink: String) {
+        modelScope.launch {
+            onboardingRepository.validateDeeplink(deeplink)
+                .onRight { isValid -> if (isValid) showOnboarding() else back() }
+                .onLeft { back() }
+        }
+    }
+
+    private fun showOnboarding() {
+        uiState.update {
+            VirtualAccountOnboardingUM.Content(
+                onBack = ::back,
+                isLoading = false,
+                onGetCardClick = ::onGetCardClick,
+                onTermsClick = ::onTermsClick,
+                onPrivacyClick = ::onPrivacyClick,
+            )
+        }
+    }
+
+    private fun onTermsClick() {
+        // TODO([REDACTED_TASK_KEY]): open the provider Terms of Use link.
+    }
+
+    private fun onPrivacyClick() {
+        // TODO([REDACTED_TASK_KEY]): open the provider Privacy Policy link.
+    }
+
+    private fun onGetCardClick() {
+        modelScope.launch {
+            setLoading(isLoading = true)
+            delay(STUB_GET_CARD_DELAY_MS)
+            // TODO: create order and sign challenge [REDACTED_JIRA]
+            setLoading(isLoading = false)
+        }
+    }
+
+    private fun setLoading(isLoading: Boolean) {
+        uiState.update { state ->
+            when (state) {
+                is VirtualAccountOnboardingUM.Content -> state.copy(isLoading = isLoading)
+                is VirtualAccountOnboardingUM.Loading -> state
+            }
+        }
+    }
+
+    private fun back() {
+        router.pop()
+    }
+
+    private companion object {
+        // TODO([REDACTED_TASK_KEY]): remove the stub delay once create-order + sign-challenge is implemented.
+        const val STUB_GET_CARD_DELAY_MS = 3000L
+    }
+}

features/virtual-accounts/onboarding/impl/src/main/kotlin/com/tangem/features/virtualaccount/onboarding/ui/VirtualAccountOnboardingScreen.kt

@@ -0,0 +1,213 @@
+package com.tangem.features.virtualaccount.onboarding.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.RoundedCornerShape
+import androidx.compose.material3.CircularProgressIndicator
+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.graphics.Brush
+import androidx.compose.ui.layout.ContentScale
+import androidx.compose.ui.res.painterResource
+import androidx.compose.ui.text.LinkAnnotation
+import androidx.compose.ui.text.style.TextAlign
+import androidx.compose.ui.text.withLink
+import androidx.compose.ui.tooling.preview.Preview
+import androidx.compose.ui.tooling.preview.PreviewParameter
+import androidx.compose.ui.tooling.preview.datasource.CollectionPreviewParameterProvider
+import androidx.compose.ui.unit.dp
+import com.tangem.core.ui.ds.image.TangemIconUM
+import com.tangem.core.ui.ds2.button.Close
+import com.tangem.core.ui.ds2.button.TangemButton
+import com.tangem.core.ui.extensions.annotatedReference
+import com.tangem.core.ui.extensions.appendColored
+import com.tangem.core.ui.extensions.resolveAnnotatedReference
+import com.tangem.core.ui.extensions.stringReference
+import com.tangem.core.ui.res.TangemTheme
+import com.tangem.core.ui.res.TangemThemePreviewRedesign
+import com.tangem.features.virtualaccount.onboarding.impl.R
+
+private const val GRADIENT_TRANSPARENT_STOP = 0.45f
+private const val GRADIENT_OPAQUE_STOP = 0.72f
+
+private const val TERMS_LINK_TAG = "VA_TERMS"
+private const val PRIVACY_LINK_TAG = "VA_PRIVACY"
+
+@Composable
+internal fun VirtualAccountOnboardingScreen(state: VirtualAccountOnboardingUM, modifier: Modifier = Modifier) {
+    Box(
+        modifier = modifier
+            .fillMaxSize()
+            .background(TangemTheme.colors3.bg.primary),
+    ) {
+        Image(
+            painter = painterResource(id = R.drawable.bg_virtual_account_onboarding),
+            contentDescription = null,
+            contentScale = ContentScale.Crop,
+            alignment = Alignment.TopCenter,
+            modifier = Modifier.fillMaxSize(),
+        )
+        Box(
+            modifier = Modifier
+                .fillMaxSize()
+                .background(
+                    Brush.verticalGradient(
+                        colorStops = arrayOf(
+                            0f to TangemTheme.colors3.bg.primary.copy(alpha = 0f),
+                            GRADIENT_TRANSPARENT_STOP to TangemTheme.colors3.bg.primary.copy(alpha = 0f),
+                            GRADIENT_OPAQUE_STOP to TangemTheme.colors3.bg.primary,
+                            1f to TangemTheme.colors3.bg.primary,
+                        ),
+                    ),
+                ),
+        )
+
+        when (state) {
+            is VirtualAccountOnboardingUM.Loading -> Loading(modifier = Modifier.fillMaxSize())
+            is VirtualAccountOnboardingUM.Content -> Content(state = state)
+        }
+
+        TangemButton.Close(
+            modifier = Modifier
+                .align(Alignment.TopEnd)
+                .statusBarsPadding()
+                .padding(top = 4.dp, end = 16.dp),
+            onClick = state.onBack,
+        )
+    }
+}
+
+@Composable
+private fun Loading(modifier: Modifier = Modifier) {
+    Box(modifier = modifier, contentAlignment = Alignment.Center) {
+        CircularProgressIndicator(color = TangemTheme.colors3.icon.primary)
+    }
+}
+
+@Composable
+private fun Content(state: VirtualAccountOnboardingUM.Content, modifier: Modifier = Modifier) {
+    Column(
+        modifier = modifier
+            .fillMaxSize()
+            .systemBarsPadding(),
+    ) {
+        Spacer(modifier = Modifier.weight(1f))
+
+        Column(
+            modifier = Modifier
+                .fillMaxWidth()
+                .padding(horizontal = 24.dp),
+            verticalArrangement = Arrangement.spacedBy(12.dp),
+        ) {
+            Text(
+                text = "Send USD from your bank. Receive USDC",
+                style = TangemTheme.typography3.heading.medium,
+                color = TangemTheme.colors3.text.primary,
+            )
+            Text(
+                text = "A dedicated account with US banking details — no deposit or maintenance fees",
+                style = TangemTheme.typography3.subheading.medium,
+                color = TangemTheme.colors3.text.secondary,
+            )
+        }
+
+        TermsCard(
+            modifier = Modifier.padding(top = 24.dp, start = 8.dp, end = 8.dp),
+            state = state,
+        )
+    }
+}
+
+@Composable
+private fun TermsCard(state: VirtualAccountOnboardingUM.Content, modifier: Modifier = Modifier) {
+    val shape = RoundedCornerShape(topStart = 24.dp, topEnd = 24.dp, bottomStart = 28.dp, bottomEnd = 28.dp)
+    Column(
+        modifier = modifier
+            .fillMaxWidth()
+            .clip(shape)
+            .background(TangemTheme.colors3.bg.opaque.primary)
+            .border(width = 1.dp, color = TangemTheme.colors3.border.secondary, shape = shape),
+    ) {
+        Text(
+            modifier = Modifier.padding(top = 12.dp, start = 16.dp, end = 16.dp),
+            text = buildTermsAndPolicy(
+                onTermsClick = state.onTermsClick,
+                onPrivacyClick = state.onPrivacyClick,
+            ).resolveAnnotatedReference(),
+            style = TangemTheme.typography3.caption.medium,
+            color = TangemTheme.colors3.text.secondary,
+            textAlign = TextAlign.Center,
+        )
+        TangemButton(
+            modifier = Modifier
+                .fillMaxWidth()
+                .padding(horizontal = 8.dp, vertical = 12.dp),
+            variant = TangemButton.Variant.Primary,
+            size = TangemButton.Size.X12,
+            text = stringReference("Open account"),
+            iconEnd = TangemIconUM.Icon(R.drawable.ic_tangem_24),
+            isLoading = state.isLoading,
+            onClick = state.onGetCardClick,
+        )
+    }
+}
+
+@Composable
+private fun buildTermsAndPolicy(onTermsClick: () -> Unit, onPrivacyClick: () -> Unit) = annotatedReference {
+    val linkColor = TangemTheme.colors3.text.primary
+    append("By using service, you agree with provider ")
+    withLink(
+        link = LinkAnnotation.Clickable(
+            tag = TERMS_LINK_TAG,
+            linkInteractionListener = { onTermsClick() },
+        ),
+        block = { appendColored(text = "Terms of Use", color = linkColor) },
+    )
+    append(" and ")
+    withLink(
+        link = LinkAnnotation.Clickable(
+            tag = PRIVACY_LINK_TAG,
+            linkInteractionListener = { onPrivacyClick() },
+        ),
+        block = { appendColored(text = "Privacy Policy", color = linkColor) },
+    )
+}
+
+@Preview(showBackground = true)
+@Preview(showBackground = true, uiMode = Configuration.UI_MODE_NIGHT_YES)
+@Composable
+private fun VirtualAccountOnboardingScreenPreview(
+    @PreviewParameter(VirtualAccountOnboardingStateProvider::class)
+    state: VirtualAccountOnboardingUM,
+) {
+    TangemThemePreviewRedesign {
+        VirtualAccountOnboardingScreen(state = state, modifier = Modifier.fillMaxSize())
+    }
+}
+
+private class VirtualAccountOnboardingStateProvider :
+    CollectionPreviewParameterProvider<VirtualAccountOnboardingUM>(
+        listOf(
+            VirtualAccountOnboardingUM.Loading(onBack = {}),
+            VirtualAccountOnboardingUM.Content(
+                onBack = {},
+                isLoading = false,
+                onGetCardClick = {},
+                onTermsClick = {},
+                onPrivacyClick = {},
+            ),
+            VirtualAccountOnboardingUM.Content(
+                onBack = {},
+                isLoading = true,
+                onGetCardClick = {},
+                onTermsClick = {},
+                onPrivacyClick = {},
+            ),
+        ),
+    )

features/virtual-accounts/onboarding/impl/src/main/kotlin/com/tangem/features/virtualaccount/onboarding/ui/VirtualAccountOnboardingUM.kt

@@ -0,0 +1,22 @@
+package com.tangem.features.virtualaccount.onboarding.ui
+
+import androidx.compose.runtime.Immutable
+
+/**
+ * UI model for the Virtual Account onboarding screen.
+ */
+@Immutable
+internal sealed class VirtualAccountOnboardingUM {
+
+    abstract val onBack: () -> Unit
+
+    data class Loading(override val onBack: () -> Unit) : VirtualAccountOnboardingUM()
+
+    data class Content(
+        override val onBack: () -> Unit,
+        val isLoading: Boolean,
+        val onGetCardClick: () -> Unit,
+        val onTermsClick: () -> Unit,
+        val onPrivacyClick: () -> Unit,
+    ) : VirtualAccountOnboardingUM()
+}