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Deposit (GBP / EUR → USDC)

The user creates a Bridge virtual account in their name, sends money from their own bank, and Bridge auto-mints USDC into their Privy wallet on Base.

Sequence​

Screens​

  • apps/mobile/app/(tabs)/accounts.tsx — lists virtual accounts, shows balance header, has the + Add Account button.
  • The virtual account details are displayed inline on the same screen.

Fees & timing​

  • Bridge on-ramp: 0.75% on the GBP→USDC conversion (deducted before mint).
  • GrinGo: 0% on deposits.
  • Timing: FPS is near-instant (seconds to minutes). SEPA is same-day/next-day for the initial credit; Bridge then converts within minutes.

Edge cases​

  • User sends from a bank account not in their name. Bridge may hold or reject the funds. Currently handled manually via Bridge support.
  • Deposit below Bridge minimum. Bridge accepts and holds, or rejects — depends on Bridge's policy per currency. No API-side check today.
  • Duplicate accounts. POST /virtual-accounts is idempotent per (user, currency) — a second call returns the existing account.