From a3cf3eb308c6ec27ef9dfbb30d8715c118dc992a Mon Sep 17 00:00:00 2001
From: Mayank Mittal <msquare.pvt21@gmail.com>
Date: Fri, 9 Oct 2026 11:50:50 +0530
Subject: [PATCH] fix(card): label the Base EURC card "euro spending", not
 "lending"

The enable card read "Enable euro lending", but nothing is lent: EURC on
the Base instance is spendable and not collateral, and lending is not
planned. Rename the title and accessibility label to "Enable euro
spending" and drop the doc comments that defended the old wording.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>
---
 .../Card/NewCardDetails/EnableEuroSpendCard.tsx | 17 ++++++++---------
 hooks/useEuroSpendEnablement.ts                 |  5 ++---
 2 files changed, 10 insertions(+), 12 deletions(-)

diff --git a/components/Card/NewCardDetails/EnableEuroSpendCard.tsx b/components/Card/NewCardDetails/EnableEuroSpendCard.tsx
index ab1994fae..22e46fd1e 100644
--- a/components/Card/NewCardDetails/EnableEuroSpendCard.tsx
+++ b/components/Card/NewCardDetails/EnableEuroSpendCard.tsx
@@ -10,7 +10,7 @@ interface EnableEuroSpendCardProps {
 }
 
 /**
- * "Enable euro lending" — the card that opens the Base spend instance for a cohort user.
+ * "Enable euro spending" — the card that opens the Base spend instance for a cohort user.
  *
  * ## Who sees it, and when it goes away
  *
@@ -21,12 +21,9 @@ interface EnableEuroSpendCardProps {
  *
  * ## A note on the copy
  *
- * The label says "lending", and at launch nothing is lent. The Base instance is dollar-denominated
- * and EURC is configured `spendable: true, collateral: false` — borrowing against a balance whose
- * dollar value moves with an exchange rate is a decision being taken separately, with its own risk
- * parameters. What this actually enables is spending a euro balance. The wording is the product's
- * and is kept, but it should not be read as describing a credit line, and it will be wrong in a
- * way worth revisiting if EURC is ever promoted to collateral.
+ * "Spending", not "lending": nothing is lent, and lending is not planned. The Base instance is
+ * dollar-denominated and EURC is configured `spendable: true, collateral: false`, so what this
+ * enables is spending a euro balance. Revisit the copy only if EURC is ever promoted to collateral.
  *
  * Laid out as the "Spend mode" row is (`SpendingModeCard`): a 23px card, 17px side inset, label
  * left and action right — so it reads as another row of the card pane rather than a promo banner.
@@ -34,7 +31,9 @@ interface EnableEuroSpendCardProps {
 const EnableEuroSpendCard = ({ isEnabling, error, onEnable }: EnableEuroSpendCardProps) => (
   <View className="overflow-hidden rounded-[23px] bg-card" style={styles.row}>
     <View style={styles.label}>
-      <Text className="text-[18px] font-medium leading-[25px] text-white">Enable euro lending</Text>
+      <Text className="text-[18px] font-medium leading-[25px] text-white">
+        Enable euro spending
+      </Text>
       <Text
         className={`text-[14px] leading-[18px] ${error ? 'text-red-400' : 'text-muted-foreground'}`}
       >
@@ -42,7 +41,7 @@ const EnableEuroSpendCard = ({ isEnabling, error, onEnable }: EnableEuroSpendCar
       </Text>
     </View>
     <Pressable
-      accessibilityLabel="Enable euro lending"
+      accessibilityLabel="Enable euro spending"
       accessibilityRole="button"
       accessibilityState={{ disabled: isEnabling, busy: isEnabling }}
       // Disabled while the user operation is in flight. Enabling twice would build a second batch
diff --git a/hooks/useEuroSpendEnablement.ts b/hooks/useEuroSpendEnablement.ts
index 9912a9b6c..5b8d54b7d 100644
--- a/hooks/useEuroSpendEnablement.ts
+++ b/hooks/useEuroSpendEnablement.ts
@@ -125,9 +125,8 @@ interface EuroSpendEnablement {
  * ## Note on the name
  *
  * The Base instance is **dollar-denominated**; EURC is a spendable asset within it and is
- * explicitly not collateral at launch, so nothing here lends against euros. The copy this powers
- * says "euro", which is what the user experiences — spending a euro balance — and is fine as long
- * as nobody reads the code and concludes there is a euro credit line.
+ * not collateral, so nothing here lends against euros — and lending is not planned. The copy this
+ * powers says "euro spending", which is exactly what the user gets: spending a euro balance.
  */
 export const useEuroSpendEnablement = (): EuroSpendEnablement => {
   const { user, safeAA } = useUser();