Updated on 2026-08-14

core/datasource/src/main/java/com/tangem/datasource/api/pay/TangemPayApi.kt

@@ -23,6 +23,13 @@ interface TangemPayApi {
     @GET("v1/customer/me")
     suspend fun getCustomerMe(@Header("Authorization") authHeader: String): ApiResponse<CustomerMeResponse>
 
+    /** Fiat bank requisites for the Virtual Account on-ramp (VA MVP0, TWI-1638). */
+    @GET("v1/account/bank-credentials/{product_instance_id}")
+    suspend fun getBankCredentials(
+        @Header("Authorization") authHeader: String,
+        @Path("product_instance_id") productInstanceId: String,
+    ): ApiResponse<BankCredentialsResponse>
+
     @GET("v1/customer/wallets/{customer_wallet_id}")
     suspend fun checkCustomerWalletId(
         @Path("customer_wallet_id") customerWalletId: String,
@@ -40,6 +47,12 @@ interface TangemPayApi {
     @GET("v1/eligibility/channels")
     suspend fun getEligibilityChannels(): ApiResponse<TangemPayEligibilityChannels>
 
+    /** Eligibility channels fetched with the user (customer-wallet) token (VA MVP0, TWI-1638). */
+    @GET("v1/eligibility/channels")
+    suspend fun getUserEligibilityChannels(
+        @Header("Authorization") authHeader: String,
+    ): ApiResponse<TangemPayEligibilityChannels>
+
     @GET("v1/order/{order_id}")
     suspend fun getOrder(
         @Header("Authorization") authHeader: String,

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

@@ -0,0 +1,19 @@
+package com.tangem.datasource.api.pay.models.response
+
+import com.squareup.moshi.Json
+import com.squareup.moshi.JsonClass
+
+/**
+ * Response of `bff-v2/v1/account/bank-credentials/{product_instance_id}` — fiat bank requisites for the
+ * Virtual Account on-ramp (VA MVP0, TWI-1638).
+ */
+@JsonClass(generateAdapter = true)
+data class BankCredentialsResponse(
+    @Json(name = "type") val type: String?,
+    @Json(name = "beneficiary_name") val beneficiaryName: String?,
+    @Json(name = "beneficiary_address") val beneficiaryAddress: String?,
+    @Json(name = "beneficiary_bank_name") val beneficiaryBankName: String?,
+    @Json(name = "beneficiary_bank_address") val beneficiaryBankAddress: String?,
+    @Json(name = "account_number") val accountNumber: String?,
+    @Json(name = "routing_number") val routingNumber: String?,
+)

data/visa/build.gradle.kts

@@ -48,6 +48,7 @@ dependencies {
     implementation(projects.domain.quotes)
     implementation(projects.domain.common)
     implementation(projects.features.swap.domain)
+    implementation(projects.features.virtualAccounts.details.api)
 
 
     /** Project - Utils */

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

@@ -5,6 +5,7 @@ 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
@@ -118,6 +119,7 @@ internal class PaymentAccountStatusValueDMConverter @Inject constructor(
                     )
                 },
                 error = null,
+                virtualAccount = VirtualAccountOnramp.None,
             )
             is PaymentAccountStatusValueDM.UnderReview -> PaymentAccountStatusValue.UnderReview(
                 source = StatusSource.CACHE,

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

@@ -4,21 +4,16 @@ import arrow.core.Either
 import com.tangem.data.pay.store.PaymentAccountStatusesStore
 import com.tangem.domain.core.utils.catchOn
 import com.tangem.domain.models.StatusSource
-import com.tangem.domain.models.account.Account
+import com.tangem.domain.models.account.*
-import com.tangem.domain.models.account.AccountStatus
-import com.tangem.domain.models.account.PaymentAccountStatusValue
-import com.tangem.domain.models.account.hasAccountData
 import com.tangem.domain.models.kyc.KycStatus
-import com.tangem.domain.models.pay.TangemPayCard
+import com.tangem.domain.models.pay.*
-import com.tangem.domain.models.pay.TangemPayCardFrozenState
-import com.tangem.domain.models.pay.TangemPayCardLimitData
-import com.tangem.domain.models.pay.TangemPayCardState
 import com.tangem.domain.models.quote.QuoteStatus
 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.model.CustomerInfo.ProductInstance.SpecificationDataType
 import com.tangem.domain.pay.model.OrderData
 import com.tangem.domain.pay.model.OrderStatus
 import com.tangem.domain.pay.model.TangemPayEntryPoint
@@ -26,6 +21,7 @@ import com.tangem.domain.pay.repository.*
 import com.tangem.domain.quotes.single.SingleQuoteStatusProducer
 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.security.isSecurityExposed
 import com.tangem.utils.coroutines.CoroutineDispatcherProvider
@@ -66,6 +62,7 @@ internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
     private val closeCardRepository: TangemPayCloseCardRepository,
     private val cardDetailsRepository: TangemPayCardDetailsRepository,
     private val issueCardRepository: TangemPayIssueCardRepository,
+    private val virtualAccountFeatureToggles: VirtualAccountFeatureToggles,
 ) : PaymentAccountStatusFetcher {
 
     private val logger = TangemLogger.withTag(TAG)
@@ -382,6 +379,8 @@ internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
         // the previously shown order and append newly seen cards at the end.
         val orderedCards = tangemPayCards.stableOrder(previousRealCardOrder(userWalletId))
 
+        val virtualAccount = resolveVirtualAccountOnramp(userWalletId)
+
         return PaymentAccountStatusValue.Loaded(
             source = StatusSource.ACTUAL,
             customerId = customerId,
@@ -395,6 +394,50 @@ internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
                 availableForWithdrawal = availableForWithdrawal.orZero(),
             ),
             error = null,
+            virtualAccount = virtualAccount,
+        )
+    }
+
+    /**
+     * 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].
+     */
+    private suspend fun CustomerInfo.resolveVirtualAccountOnramp(userWalletId: UserWalletId): VirtualAccountOnramp {
+        if (!virtualAccountFeatureToggles.isVaMvp0Enabled) return VirtualAccountOnramp.None
+
+        val accountInstance = productInstances.firstOrNull {
+            it.specificationDataType == SpecificationDataType.ACCOUNT
+        }
+        if (accountInstance != null) {
+            return onboardingRepository.getBankCredentials(userWalletId, accountInstance.id).fold(
+                ifLeft = { error ->
+                    logger.e("getBankCredentials failed for ${accountInstance.id}: $error")
+                    VirtualAccountOnramp.None
+                },
+                ifRight = { credentials ->
+                    VirtualAccountOnramp.Available(
+                        productInstanceId = accountInstance.id,
+                        bankCredentials = credentials,
+                    )
+                },
+            )
+        }
+
+        return onboardingRepository.fetchCustomerEligibility(userWalletId).fold(
+            ifLeft = { error ->
+                logger.e("fetchCustomerEligibility failed for $userWalletId: $error")
+                VirtualAccountOnramp.None
+            },
+            ifRight = { channels ->
+                if (channels.contains(TangemPayEligibilityType.VISA_VIRTUAL_ACCOUNT)) {
+                    VirtualAccountOnramp.Eligible
+                } else {
+                    VirtualAccountOnramp.None
+                }
+            },
         )
     }
 

data/visa/src/main/kotlin/com/tangem/data/pay/repository/DefaultOnboardingRepository.kt

@@ -6,6 +6,7 @@ import arrow.core.left
 import arrow.core.right
 import com.tangem.core.analytics.api.AnalyticsEventHandler
 import com.tangem.data.pay.store.PaymentAccountStatusesStore
+import com.tangem.data.pay.util.BankCredentialsConverter
 import com.tangem.data.pay.util.CustomerInfoConverter
 import com.tangem.datasource.api.pay.TangemPayApi
 import com.tangem.datasource.api.pay.models.request.DeeplinkValidityRequest
@@ -18,6 +19,7 @@ import com.tangem.datasource.local.visa.TangemPayStorage
 import com.tangem.domain.common.wallets.UserWalletsListRepository
 import com.tangem.domain.models.account.Account
 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.kyc.KycStatus
 import com.tangem.domain.models.pay.TangemPayEligibilityType
@@ -105,6 +107,15 @@ internal class DefaultOnboardingRepository @Inject constructor(
             }
     }
 
+    override suspend fun getBankCredentials(
+        userWalletId: UserWalletId,
+        productInstanceId: String,
+    ): Either<VisaApiError, BankCredentials> {
+        return requestHelper.performRequest(userWalletId) { authHeader ->
+            tangemPayApi.getBankCredentials(authHeader = authHeader, productInstanceId = productInstanceId)
+        }.map { response -> BankCredentialsConverter.convert(response) }
+    }
+
     override suspend fun isTangemPayDeactivated(userWalletId: UserWalletId): Boolean {
         return tangemPayStorage.isTangemPayDeactivated(userWalletId)
     }
@@ -226,6 +237,16 @@ internal class DefaultOnboardingRepository @Inject constructor(
         return tangemPayStorage.getTangemPayEligibility().map(TangemPayEligibilityType::fromString)
     }
 
+    override suspend fun fetchCustomerEligibility(
+        userWalletId: UserWalletId,
+    ): Either<VisaApiError, List<TangemPayEligibilityType>> {
+        return requestHelper.performRequest(userWalletId) { authHeader ->
+            tangemPayApi.getUserEligibilityChannels(authHeader)
+        }.map { response ->
+            response.result.channels.map(TangemPayEligibilityType::fromString)
+        }
+    }
+
     override suspend fun getHideMainOnboardingBanner(userWalletId: UserWalletId): Boolean {
         return tangemPayStorage.getHideMainOnboardingBanner(userWalletId)
     }

data/visa/src/main/kotlin/com/tangem/data/pay/util/BankCredentialsConverter.kt

@@ -0,0 +1,19 @@
+package com.tangem.data.pay.util
+
+import com.tangem.datasource.api.pay.models.response.BankCredentialsResponse
+import com.tangem.domain.models.account.BankCredentials
+import com.tangem.utils.converter.Converter
+
+internal object BankCredentialsConverter : Converter<BankCredentialsResponse, BankCredentials> {
+    override fun convert(value: BankCredentialsResponse): BankCredentials {
+        return BankCredentials(
+            type = value.type.orEmpty(),
+            beneficiaryName = value.beneficiaryName.orEmpty(),
+            beneficiaryAddress = value.beneficiaryAddress.orEmpty(),
+            beneficiaryBankName = value.beneficiaryBankName.orEmpty(),
+            beneficiaryBankAddress = value.beneficiaryBankAddress.orEmpty(),
+            accountNumber = value.accountNumber.orEmpty(),
+            routingNumber = value.routingNumber.orEmpty(),
+        )
+    }
+}

data/visa/src/main/kotlin/com/tangem/data/pay/util/CustomerInfoConverter.kt

@@ -14,6 +14,7 @@ import com.tangem.domain.models.pay.TangemPayCardLimitPeriod
 import com.tangem.domain.pay.model.CustomerInfo
 import com.tangem.domain.pay.model.CustomerInfo.CardInfo
 import com.tangem.domain.pay.model.CustomerInfo.ProductInstance
+import com.tangem.domain.pay.model.CustomerInfo.ProductInstance.SpecificationDataType
 import com.tangem.domain.pay.model.CustomerInfo.ProductInstance.Status
 import com.tangem.utils.converter.Converter
 import com.tangem.utils.extensions.orZero
@@ -62,6 +63,7 @@ internal object CustomerInfoConverter : Converter<CustomerMeResponse.Result, Cus
             displayName = if (name != null) CardDisplayName(name).getOrElse { null } else null,
             actualCardLimit = actualCardLimit?.parseCardLimit(),
             adminCardLimit = adminCardLimit?.parseCardLimit(),
+            specificationDataType = specificationDataType.toDomain(),
         )
     }
 
@@ -108,4 +110,10 @@ internal object CustomerInfoConverter : Converter<CustomerMeResponse.Result, Cus
         CustomerMeResponse.ProductInstance.Status.CANCELED -> Status.CANCELED
         CustomerMeResponse.ProductInstance.Status.UNKNOWN -> Status.UNKNOWN
     }
+
+    private fun CustomerMeResponse.ProductInstance.SpecificationDataType.toDomain(): SpecificationDataType =
+        when (this) {
+            CustomerMeResponse.ProductInstance.SpecificationDataType.ACCOUNT -> SpecificationDataType.ACCOUNT
+            CustomerMeResponse.ProductInstance.SpecificationDataType.CARD -> SpecificationDataType.CARD
+        }
 }

data/visa/src/mocked/kotlin/com/tangem/data/pay/repository/MockAwareOnboardingRepository.kt

@@ -6,6 +6,7 @@ import com.tangem.core.error.UniversalError
 import com.tangem.datasource.api.common.config.ApiConfig
 import com.tangem.datasource.api.common.config.ApiEnvironment
 import com.tangem.datasource.api.common.config.managers.ApiConfigsManager
+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
@@ -47,6 +48,11 @@ internal class MockAwareOnboardingRepository @Inject constructor(
     override suspend fun getCustomerInfo(userWalletId: UserWalletId): Either<VisaApiError, CustomerInfo> =
         real.getCustomerInfo(userWalletId)
 
+    override suspend fun getBankCredentials(
+        userWalletId: UserWalletId,
+        productInstanceId: String,
+    ): Either<VisaApiError, BankCredentials> = real.getBankCredentials(userWalletId, productInstanceId)
+
     override suspend fun createOrder(userWalletId: UserWalletId): Either<VisaApiError, String> {
         if (isMockMode) {
             mockOrderIds.add(userWalletId)
@@ -77,6 +83,10 @@ internal class MockAwareOnboardingRepository @Inject constructor(
     override suspend fun getCustomerEligibility(): List<TangemPayEligibilityType> =
         real.getCustomerEligibility()
 
+    override suspend fun fetchCustomerEligibility(
+        userWalletId: UserWalletId,
+    ): Either<VisaApiError, List<TangemPayEligibilityType>> = real.fetchCustomerEligibility(userWalletId)
+
     override fun getSavedCustomerInfo(userWalletId: UserWalletId): CustomerInfo? =
         real.getSavedCustomerInfo(userWalletId)
 

data/visa/src/test/kotlin/com/tangem/data/pay/util/BankCredentialsConverterTest.kt

@@ -0,0 +1,67 @@
+package com.tangem.data.pay.util
+
+import com.google.common.truth.Truth.assertThat
+import com.tangem.datasource.api.pay.models.response.BankCredentialsResponse
+import com.tangem.domain.models.account.BankCredentials
+import org.junit.jupiter.api.Test
+
+internal class BankCredentialsConverterTest {
+
+    @Test
+    fun `GIVEN full response WHEN convert THEN all fields mapped`() {
+        // Arrange
+        val response = BankCredentialsResponse(
+            type = "fiat",
+            beneficiaryName = "Ivan Ivanov",
+            beneficiaryAddress = "18, Rue Rubens 20, Paris, Ile-de-France 75013, US",
+            beneficiaryBankName = "SSB BANK",
+            beneficiaryBankAddress = "8700 Perry Highway, Pittsburgh, PA 15237, US",
+            accountNumber = "707613210122",
+            routingNumber = "043087080",
+        )
+
+        // Act
+        val actual = BankCredentialsConverter.convert(response)
+
+        // Assert
+        val expected = BankCredentials(
+            type = "fiat",
+            beneficiaryName = "Ivan Ivanov",
+            beneficiaryAddress = "18, Rue Rubens 20, Paris, Ile-de-France 75013, US",
+            beneficiaryBankName = "SSB BANK",
+            beneficiaryBankAddress = "8700 Perry Highway, Pittsburgh, PA 15237, US",
+            accountNumber = "707613210122",
+            routingNumber = "043087080",
+        )
+        assertThat(actual).isEqualTo(expected)
+    }
+
+    @Test
+    fun `GIVEN null fields WHEN convert THEN mapped to empty strings`() {
+        // Arrange
+        val response = BankCredentialsResponse(
+            type = null,
+            beneficiaryName = null,
+            beneficiaryAddress = null,
+            beneficiaryBankName = null,
+            beneficiaryBankAddress = null,
+            accountNumber = null,
+            routingNumber = null,
+        )
+
+        // Act
+        val actual = BankCredentialsConverter.convert(response)
+
+        // Assert
+        val expected = BankCredentials(
+            type = "",
+            beneficiaryName = "",
+            beneficiaryAddress = "",
+            beneficiaryBankName = "",
+            beneficiaryBankAddress = "",
+            accountNumber = "",
+            routingNumber = "",
+        )
+        assertThat(actual).isEqualTo(expected)
+    }
+}

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