feat(grid-wallet-prod): payouts reach every corridor; only funding is rail-limited

[pengying]

The US + euro-area restriction was applied to the whole bank picker, which also
narrowed withdraw and send. That conflated two different questions: money can only
ARRIVE over the rails this wallet settles (ACH/wire/RTP for USD, SEPA for EUR), but
it can be PAID OUT to any corridor Grid supports.

• BANK_COUNTRIES is the full 55-country list again (restored from before the trim,
  with its recipient names and bank pools; validated against the spec schemas).
• Add money filters to FUNDING_ACCOUNT_TYPES; withdraw, send and receive get the
  whole list.
• Each direction has its own "popular" order: popularRank follows payment volume
  for payouts, fundingRank orders the corridors we can be funded over.
• Corridor copy follows the direction too — the shared bank source row, and the
  empty-state text, no longer claim US/euro-area limits in the payout flows.

Verified in the browser: Add offers the funding pool (US, Germany, France, Spain,
Italy, Netherlands popular; no Mexico/India), Withdraw offers Mexico, India,
Nigeria, the UK, Brazil, Kenya and the rest.

Co-Authored-By: Claude Opus 5 (1M context) noreply@anthropic.com
Claude-Session: https://claude.ai/code/session_01Pjqydq34z8DBK1kBrioXK2

[vercel]

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2 Skipped Deployments

Project	Deployment	Actions	Updated (UTC)
grid-flow-builder	Ignored	Preview	Jul 27, 2026 10:01pm
grid-wallet-demo	Ignored	Preview	Jul 27, 2026 10:01pm

[pengying]

• fix(grid-wallet-prod): activity list reflects the real ledger, not the UI #745
• feat(grid-wallet-prod): payouts reach every corridor; only funding is rail-limited #744 👈 (View in Graphite)
• fix(grid-wallet-prod): replay missed webhooks to reconnecting SSE clients #742
• feat(grid-wallet-prod): fork the wallet demo into a production demo (phone + API panel, passkey-only) #730 : 1 other dependent PR (#740 )
• docs: design spec + plan for grid-wallet-prod (phase 1: fork, remove config sidebar) #729
• main

This stack of pull requests is managed by Graphite. Learn more about stacking.

[greptile-apps]

Greptile Summary

This PR separates inbound funding corridors from outbound payout corridors.

• Restores the broader bank-country catalog and payout-oriented popularity ranks.
• Restricts Add Money using funding account types and funding-specific ranks.
• Updates bank-source and empty-state copy according to the active direction.

Confidence Score: 3/5

The PR should not merge until Add Money uses explicit funding-corridor eligibility rather than the broader account schema type.

The new filter admits non-euro-area EUR_ACCOUNT countries into a flow whose changed copy and stated contract restrict incoming bank funding to the US and euro area.

Files Needing Attention: components/grid-wallet-prod/src/apps/shared/wallet/useMoneySheet.ts and components/grid-wallet-prod/src/data/bankCountries.ts

Important Files Changed

Filename	Overview
components/grid-wallet-prod/src/apps/shared/wallet/useMoneySheet.ts	Introduces mode-specific pools and ranks, but the funding filter conflates EUR account schemas with euro-area eligibility.
components/grid-wallet-prod/src/data/bankCountries.ts	Restores the broader corridor catalog and separate ranking metadata; its non-euro EUR_ACCOUNT entries expose the funding-filter mismatch.
components/grid-wallet-prod/src/apps/aurora/wallet/AddMoneySheet.tsx	Updates direction-specific bank and empty-state copy, though the euro-area funding claim does not match the resulting picker.

Flowchart

%%{init: {'theme': 'neutral'}}%%
flowchart TD
    M{Money-sheet mode} -->|Add Money| F[Filter by FUNDING_ACCOUNT_TYPES]
    M -->|Withdraw / Send / Receive| A[Use all BANK_COUNTRIES]
    F --> FP[Funding-ranked country picker]
    A --> PP[Payout-ranked country picker]
    FP --> D[Funding details / bank form]
    PP --> B[Bank form or receive details]

Loading

Prompt To Fix All With AI

### Issue 1
components/grid-wallet-prod/src/apps/shared/wallet/useMoneySheet.ts:190-193
**Funding filter conflates account eligibility**

When Add Money is opened, filtering by `accountType` admits non-euro-area `EUR_ACCOUNT` countries such as Denmark, Norway, Sweden, and Switzerland, allowing users to proceed with countries outside the funding corridor advertised by this flow.

---

For each issue above, determine whether it is valid and should be fixed. If so, fix it directly.

_{Reviews (1): Last reviewed commit: "feat(grid-wallet-prod): payouts reach ev..." | Re-trigger Greptile}

[greptile-apps]

Funding filter conflates account eligibility

When Add Money is opened, filtering by accountType admits non-euro-area EUR_ACCOUNT countries such as Denmark, Norway, Sweden, and Switzerland, allowing users to proceed with countries outside the funding corridor advertised by this flow.

Prompt To Fix With AI

This is a comment left during a code review.
Path: components/grid-wallet-prod/src/apps/shared/wallet/useMoneySheet.ts
Line: 190-193

Comment:
**Funding filter conflates account eligibility**

When Add Money is opened, filtering by `accountType` admits non-euro-area `EUR_ACCOUNT` countries such as Denmark, Norway, Sweden, and Switzerland, allowing users to proceed with countries outside the funding corridor advertised by this flow.

---

For each issue above, determine whether it is valid and should be fixed. If so, fix it directly.

[pengying]

Merge activity

• Jul 27, 10:01 PM UTC: A user started a stack merge that includes this pull request via Graphite.
• Jul 27, 10:02 PM UTC: Graphite rebased this pull request as part of a merge.
• Jul 27, 10:02 PM UTC: Graphite couldn't merge this PR because it failed for an unknown reason (New changes require approval from someone other than the last pusher).

The base branch was changed.