fix(payments): step-back nav and mismatched flow copy in US-bank steps

[MakelangelOO]

Why

BQE-2653: Vane reported RTP/topup failures while testing with an external tester. Investigation (blosketools prod DB + mediums logs) found the real user-facing gaps in the wallet's US-bank steps, plus 2 more instances of the same bug class surfaced by an audit, plus a real backend/UX gap around missing pocket accounts.

How it works

• UsAmountStep (shared by topup/us-banks and send/us-banks) had no back button at all — the only step in either stepper you couldn't leave without abandoning the whole flow.
• Both US-bank flows showed a generic "no destination/source account" error even when the actual cause was a rejected KYC — now checked against user.kycStatus and given a clear message.
• TopUpConfirmStep and TopUpAmountStep are, today, used exclusively by send/colombian-banks (never by topup), but still hardcoded topup/PSE-specific copy: a "Resumen de recarga"/"Top-up summary" heading and a PSE regulatory disclaimer + "Comisión PSE" fee label shown on what is actually a bank payout, not a PSE deposit.
• Investigating a real user stuck with "no destination account available" (approved KYC, bank linked via Plaid, but zero pocket accounts) turned up that the wallet's pocket-creation call never passed ledgerId, even though the SDK supports attaching a new pocket to an existing ledger account (instant active, no new ledger minted) — the same mechanism card/polygon creation already use. Without it, there was no way from the wallet (or support, via the wallet) to fix this class of stuck account at all.
• Once fixed, it also became clear topup/send/BRE-B fail deep inside their own flow with the same confusing error when a user has no account at all yet — better to disable them up front.

Changes

• topup/-components/us-amount-step.tsx: optional onBack prop + back button.
• topup/us-banks/index.tsx, send/us-banks/index.tsx: wire onBack, add kycRejectedError copy path.
• topup/-components/amount-step.tsx: feeLabel/disclaimer/arrivalLabel are now optional overridable props instead of hardcoded PSE text.
• send/colombian-banks/index.tsx: passes generic fee label, suppresses the PSE disclaimer/arrival estimate.
• domain/accounts/ports.ts, infra/bloque/accounts-repository.ts: CreateVirtualAccountInput/createVirtualAccount now pass ledgerId through to the SDK.
• accounts/$urn.tsx: "add product" now offers a pocket/"Cuenta" option alongside card/breb/polygon, anchored to account.ledgerId the same way card/polygon already are.
• (home)/-components/quick-actions.tsx, (home)/index.tsx: topup/send/BRE-B are disabled (with an explanatory toast) when the user has zero accounts.
• components/account/accounts-carousel.tsx: the "+ new account" card is visually highlighted (primary border, underlined label) when the user has zero accounts, to guide them there instead.
• es.json/en.json: new kycRejectedError keys, generic confirmStep.summary, new send.colombianBanks.amountStep.feeLabel, new pocket-creation and quick-actions copy.

Risk

Low — additive/optional props with defaults matching prior behavior; no change to order-creation logic or backend calls. Verified with tsgo --noEmit and biome check.

Linear: BQE-2653

🤖 Generated with Claude Code

[linear]

BQE-2653