feat(account): capabilities hub + light headline status (ENG-513 + ENG-516)

[islandbitcoin]

Summary

This branch carries two slices of the Account Upgrade Revamp (it was repurposed to hold both):

• ENG-513 — the capabilities hub. AccountType is rebuilt into the "Do more with Flash" screen (mock): a light status pill, a Verify hero card, and independent capability rows — no tier picker, no guided interview.
• ENG-516 — nomenclature + headline status. The capability state machine surfaced in the app: Trial → Verified → Business, with Pro/International retired and Merchant renamed Business.

Companion PRs: lnflash/flash#452 (backend), lnflash/frappe-flash-admin#55 (admin panel).

Product decision (2026-07-14): light headline status — the account leads with one word (Trial → Verified → Business), with capabilities as supporting detail rather than a badge wall.

Changes

Capabilities hub (ENG-513)

• app/screens/account-upgrade-flow/AccountType.tsx rewritten from the Personal/Pro/Merchant/International tier ladder into the "Do more with Flash" capabilities hub:
  • Eyebrow "Your Flash account" + "Do more with Flash" title + a light status pill (Trial/Verified/Business) sourced from useAccountStatus.
  • A green Verify your account hero card, hidden once verified.
  • Independent capability rows grouped under Ways to get paid (Bank cash-out, US-dollar account) and Grow (Business). Rows have four states: Set up → (available), On ✓ (enabled, non-tappable), In review (Bridge KYC pending), and locked (padlock — prerequisite not met or feature remotely disabled). The USD row is always visible: locked rather than hidden when Bridge is off (ENG-465 kill switch) or the account is unverified (L1 floor).
  • Rows key off the capabilities { verified bankPayout business usdAccount } object via useAccountStatus — the single source of capability truth, with a level-derived fallback for older backends (unit-tested in __tests__/hooks/account-status-derivation.spec.ts).
  • Each row routes into its existing setup flow — no new data-collection screens: verify/bank/business → today's PersonalInformation wizard; USD → the Bridge KYC modal. Dropped the linear ProgressSteps, which doesn't model a non-linear capability menu. The nav header is untitled — the hub self-titles.
• New hub strings under AccountUpgrade i18n + regenerated i18n-types.ts / raw-i18n. Dead tier keys (personal/pro/merchant/international + descs, accountType, successUpgrade/successRequest) deleted.

Nomenclature + headline status (ENG-516)

• useAccountStatus hook (app/hooks/use-account-status.ts): queries statusHeadline + capabilities { verified bankPayout business usdAccount }; capabilities is always defined — backend object when available, else the level+Bridge-KYC derivation from app/hooks/account-status-derivation.ts (pure, tested). Screens must not re-derive from the level.
• useBridgeKyc hook (app/hooks/use-bridge-kyc.ts): extracted Bridge KYC (bridgeInitiateKyc + BridgeKycModal + navigate("BridgeKycWebView")) into one hook so the hub and other surfaces launch it consistently. Alerts localized.
• Settings row (account-level.tsx): PERSONAL/PRO/MERCHANT ACCOUNT → localized Trial account / Verified / Business.
• Account screen (account-screen.tsx): the level row now shows Verified · Bank payout · USD account style status text (localized) instead of the raw internal level (TWO).
• Success/Validation copy: capability language — "Your account is verified" / "Your bank cash-out request has been submitted for review" / "Your business upgrade request has been submitted for review" — replaces "You successfully upgraded your account to BANK PAYOUT".
• Bank Accounts screen: the locked verify-identity card launches Bridge KYC directly — with the L1 floor enforced: unverified accounts are routed through the verify wizard first. There is no fallback to the upgrade picker.
• Codegen: public-schema.graphql synced from the backend (verified additive-only); yarn dev:codegen + yarn update-translations rerun.

Known limits (by design, later tickets)

• The Bank cash-out (L2) row still runs today's form, which collects business name/location — the business-less L2 flow is ENG-515.
• The per-capability setup forms are reused as-is; restyling them to the mock's single-step cards is intentionally out of scope for this PR.
• Non-English locales still carry the old tier words and lack the new hub strings until the next translation sync (en is source of truth).

Testing

• yarn tsc:check clean; changed files lint clean (the 2 Success.tsx inline-style errors exist on main).
• __tests__/hooks/account-status-derivation.spec.ts — 8 tests covering the headline + capability level-derivation fallbacks (pass).
• yarn update-translations / codegen deterministic and committed.
• Visually verified in the iOS simulator (2026-07-16) in the Trial state: hub renders faithfully to the mock (eyebrow, title, muted Trial pill, Verify hero, capability rows). Verified/Business, "On ✓", "In review", and locked states not yet eyeballed on-device.
• To test in app: point the app at a backend running feat(accounts): capability state machine + headline status nomenclature (ENG-516) flash#452, then open an account-upgrade entry (Settings → Account → upgrade, Home QuickStart, etc.) → you land on the "Do more with Flash" hub. Tap a capability row → it opens that capability's existing setup flow.

🤖 Generated with Claude Code

[linear]

ENG-516

ENG-513