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
         }
     }