fix: KYC flow doesn't trigger after adding bank account when paying another user

[samranahm]

Explanation of Change

Fixed Issues

$ #91873
PROPOSAL: #91873 (comment)

Tests

Precondition:

• The user does not have a personal bank account connected.

Steps:

1. Start a 1:1 conversation with another user.
2. Press the + button and select Pay [User].
3. Enter any amount and continue.
4. Verify that the payment method dropdown displays "Pay with personal account".
5. Press "Pay with personal account" and verify that the bank account connection flow starts.
6. Add a bank account using either Plaid or manual entry, then press Continue on the "Bank account added" page.
7. Verify the KYC verification flow is triggered (confirm additional details to process the payment)

• Verify that no errors appear in the JS console

Offline tests

QA Steps

Same as test

// TODO: These must be filled out, or the issue title must include "[No QA]."

• Verify that no errors appear in the JS console

PR Author Checklist

• I linked the correct issue in the ### Fixed Issues section above
• I wrote clear testing steps that cover the changes made in this PR
  • I added steps for local testing in the Tests section
  • I added steps for the expected offline behavior in the Offline steps section
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Screenshots/Videos

Android: Native

Android.Native.mp4

Android: mWeb Chrome

Android.mWeb.Chrome.mp4

iOS: Native

IOS.Native.mp4

iOS: mWeb Safari

IOS.mWeb.Safari.mp4

MacOS: Chrome / Safari

macOS.Chrome.mp4

[melvin-bot]

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[Copilot]

Pull request overview

Note

Copilot was unable to run its full agentic suite in this review.

Adjusts the personal bank account clearing logic so that, when entering the international deposit account flow, routing-related data is preserved while transient UI/error state is reset.

Changes:

• Added a shouldPreserveRoutingData parameter to clearPersonalBankAccount that, when true, only clears loading/error/success flags instead of wiping the entire Onyx key.
• Updated AccountFlowEntryPoint to call clearPersonalBankAccount(true) to retain routing data on mount.

Reviewed changes

Copilot reviewed 2 out of 2 changed files in this pull request and generated 2 comments.

File	Description
src/libs/actions/BankAccounts.ts	Adds optional preserve flag to selectively merge-clear transient state instead of nulling the whole bank account key.
src/pages/settings/Wallet/InternationalDepositAccount/subPages/AccountFlowEntryPoint.tsx	Passes true to preserve routing data when clearing on entry.

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[chatgpt-codex-connector]

Clear stale routing when entering the generic add-account flow

When this entry point is reached from a normal wallet add-bank-account action after the user previously abandoned a payment/KYC-driven add-bank flow, openPersonalBankAccountSetupView({}) does not clear PERSONAL_BANK_ACCOUNT, and this call now preserves the old onSuccessFallbackRoute/exitReportID. After the later wallet-initiated bank account succeeds, AddPersonalBankAccountPage.exitFlow(true) can continue the stale KYC/payment flow or dismiss to an old report instead of returning to the wallet. Preserve only routing data that was intentionally seeded for the current flow, or clear stale routing before this generic entry point is reused.

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[codecov]

Codecov Report

✅ Changes either increased or maintained existing code coverage, great job!

Files with missing lines	Coverage Δ
src/libs/actions/BankAccounts.ts	16.19% <100.00%> (+4.80%)	⬆️
...lDepositAccount/subPages/AccountFlowEntryPoint.tsx	0.00% <ø> (ø)
... and 67 files with indirect coverage changes