feat: enable SEPA bank rail for AL/MD/ME/MK/RS + treat Bulgaria as Eurozone

[abalinda]

Summary

from: https://apidocs.bridge.xyz/platform/orchestration/more/rail-specific#eur-sepa-standard-credit-sepa-instant

Bridge now supports SEPA for Albania, Moldova, Montenegro, North Macedonia, Serbia (TASK-20580), but the FE still greys the bank rail out as "Soon" — availability is a static FE map. This PR adds the 5 entries to BRIDGE_ALPHA3_TO_ALPHA2, enabling the rail for both deposit and withdraw (SEPA support is bidirectional; both enabled-sets derive from this one map).

Separately, Bulgaria adopted the euro in Jan 2026: the deposit/withdraw list badge now reads EUR instead of BGN, and the stale "EUR accounts only" warning (driven by the countryCurrencyMapping.ts BGN row) is removed — Bulgarian bank accounts are EUR now.

The 4 new countries that keep a domestic currency (ALL/MDL/MKD/RSD) get the standard non-EUR SEPA warning rows, consistent with Czechia/Poland/Denmark/etc., so users know to send EUR.

Data-only change — no logic touched. The bank deposit page already renders EUR/SEPA for all of these via getCurrencyConfig().

Risks / breaking changes

• ⚠️ Cross-repo dependency: merge/deploy peanutprotocol/peanut-api-ts#1175 first. The BE IBAN allowlist (src/utils/iban.ts → sepaCountries) contained ME but not AL/MD/MK/RS; FE-only would show withdraw as available while validate-iban rejects those IBANs. Fix: Daimo bug and activity receipt bug #1175 adds the four codes (Bridge support verified: sandbox external accounts accepted for RS/AL; Bridge docs list the countries). Deposit has no such dependency (users send to a Bridge-issued EUR IBAN).
• Removing the BGN mapping row also stops FX-rate widgets treating Bulgaria as non-EUR — intended (euro adoption). Legacy exposure checked: the BE has zero BGN references (Bulgarian activity was always denominated EUR via SEPA), so no stored records lose flag/country resolution; a stale ?from=BGN deep-link degrades gracefully to the generic add-money route.
• The BE capability gate is unchanged and coarse (railJurisdictionForBank collapses these countries to EU), so it cannot express per-country SEPA support — the FE map is the only per-country switch, which is why the BE allowlist above must move in lockstep.

Design notes / accepted trade-offs

• Enabling via BRIDGE_ALPHA3_TO_ALPHA2 flips deposit and withdraw together — intentional (SEPA admission is bidirectional), but it means withdraw availability rides on the BE allowlist noted above.
• The map's comment was retitled: it was labeled "bridge EAA country codes" while already holding US/GB/CH — the old label invited a "clean up non-EEA entries" edit that would disable live rails.
• Follow-up (not this PR): nonEurSepaCurrencies inside isNonEuroSepaCountry() duplicates the non-Eurozone rows of countryCurrencyMappings in the same file (identical 14-code set, must be edited in pairs). Could be derived via a discriminator field.

QA

• npm test (124 suites) + npm run typecheck green; flag-asset test auto-covers the 4 new mapping rows (al/md/mk/rs.svg exist).
• Manual: add-money country list → Albania / Moldova / Montenegro / North Macedonia / Serbia bank rail not greyed "Soon" (deposit + withdraw); Bulgaria badge reads EUR.
• Bulgaria → bank deposit page: no "EUR accounts only" banner. Serbia → bank page: banner does show.

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Project	Deployment	Actions	Updated (UTC)
peanut-wallet	Ready	Preview, Comment	Jul 13, 2026 6:00pm

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ℹ️ Recent review info

⚙️ Run configuration

Configuration used: Organization UI

Review profile: CHILL

Plan: Pro

Run ID: edfb8788-2553-4f67-99a4-8e784b726e46

📥 Commits

Reviewing files that changed from the base of the PR and between eccdb7d and 976d8f4.

📒 Files selected for processing (1)

• src/components/AddMoney/consts/index.ts

🚧 Files skipped from review as they are similar to previous changes (1)

• src/components/AddMoney/consts/index.ts

---

Walkthrough

Updated country currency data and alpha-3 flag mappings for Bulgaria, Albania, Moldova, Montenegro, and Serbia. Adjusted non-EUR SEPA currency detection to reflect the revised currency set.

Changes

Regional currency mappings

Layer / File(s)	Summary
Country currency and flag data src/components/AddMoney/consts/index.ts, src/constants/countryCurrencyMapping.ts	Bulgaria now uses EUR, new country-to-currency entries were added for ALL, MDL, MKD, and RSD, and alpha-3 country mappings were expanded.
Non-EUR SEPA detection src/constants/countryCurrencyMapping.ts	The whitelist now includes ALL, MDL, MKD, and RSD and removes BGN.

Estimated code review effort: 2 (Simple) | ~10 minutes

Suggested labels: enhancement

🚥 Pre-merge checks | ✅ 5

✅ Passed checks (5 passed)

Check name	Status	Explanation
Title check	✅ Passed	The title accurately summarizes the main change: enabling SEPA for five countries and updating Bulgaria to EUR.
Description check	✅ Passed	The description is directly related to the code changes and explains the SEPA and Bulgaria currency updates clearly.
Docstring Coverage	✅ Passed	No functions found in the changed files to evaluate docstring coverage. Skipping docstring coverage check.
Linked Issues check	✅ Passed	Check skipped because no linked issues were found for this pull request.
Out of Scope Changes check	✅ Passed	Check skipped because no linked issues were found for this pull request.

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[github-actions]

Code-analysis diff

Painscore total: 6096.83 → 6096.37 (-0.46)
Findings: +1 net (+5 new, -4 resolved)

🆕 New findings (5)

• critical complexity — src/components/AddMoney/consts/index.ts — CC 31, MI 24.01, SLOC 2255
• medium high-mdd — src/components/AddMoney/consts/index.ts:2681 — : MDD 31.8 (uses across many lines from declarations)
• medium complexity — src/constants/countryCurrencyMapping.ts — CC 28, MI 51.95, SLOC 160
• medium method-complexity — src/constants/countryCurrencyMapping.ts:93 — getBankAccountCountryCode CC 15 SLOC 32
• low high-mdd — src/constants/countryCurrencyMapping.ts:142 — isNonEuroSepaCountry: MDD 10.3 (uses across many lines from declarations)

✅ Resolved (4)

• src/components/AddMoney/consts/index.ts — CC 31, MI 24.04, SLOC 2250
• src/components/AddMoney/consts/index.ts:2675 — : MDD 31.8 (uses across many lines from declarations)
• src/constants/countryCurrencyMapping.ts — CC 28, MI 53.11, SLOC 145
• src/constants/countryCurrencyMapping.ts:84 — getBankAccountCountryCode CC 15 SLOC 32

📈 Painscore deltas (top movers)

File	Before	After	Δ
src/constants/countryCurrencyMapping.ts	8.4	9.1	+0.7

[github-actions]

🧪 UI test report — ✅ all green

Suites

• ✅ unit: 1820 ran, 0 failed, 0 skipped, 32.0s

📊 Coverage (unit)

metric	%
statements	57.7%
branches	41.8%
functions	46.1%
lines	57.8%

⏱ 10 slowest test cases

time	test
4.1s	src/components/Card/share-asset/__tests__/shareAssetLayout.test.ts › never places two stickers in heavy overlap (broad seed sweep)
0.5s	src/components/Card/share-asset/__tests__/shareAssetLayout.test.ts › every sticker stays within canvas at any count
0.4s	src/lib/url-parser/parse-token-amount.test.ts › should throw for invalid amount formats
0.3s	src/app/actions/__tests__/api-headers-extended.test.ts › should not include apiKey in updateUserById body
0.3s	src/app/actions/__tests__/api-headers.test.ts › should include Content-Type in updateUserById
0.2s	src/components/Card/share-asset/__tests__/shareAssetLayout.test.ts › keeps stickers off the username pill (final pass respects the keep-out)
0.1s	src/components/Card/__tests__/CardCountryConfirmScreen.test.tsx › renders candidate country names and disables Continue until a pick
0.1s	src/components/Global/GeneralRecipientInput/__tests__/GeneralRecipientInput.test.tsx › should handle valid 9-digit US account
0.1s	src/components/Global/GeneralRecipientInput/__tests__/GeneralRecipientInput.test.tsx › should handle too long for US account
0.1s	src/app/(mobile-ui)/qr-pay/__tests__/qr-pay-states.test.tsx › Perk claimed shows shake class + go home button

_{📍 Inline annotations are in the **Unit test report** check above. Coverage artifact: `coverage-unit`. Generated by `.github/workflows/tests.yml`.}

[abalinda]

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[abalinda]

Bulgaria to have adopted EUR reported by the user roletna666 (email: roletna666@gmail.com)