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

[MakelangelOO]

…s (#59)

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

• UsAmountStep had no back button, trapping users on that step
• topup/send us-banks flows showed a generic account error even when the real cause was a rejected KYC
• TopUpConfirmStep/TopUpAmountStep (used only by send/colombian-banks) leaked topup/PSE-specific copy (title, PSE disclaimer, PSE fee label) into the send flow

• feat(accounts): allow creating a pocket account anchored to an existing ledger

• CreateVirtualAccountInput/createVirtualAccount now pass ledgerId through to the SDK, matching card/polygon — needed to attach a pocket to an account whose ledger already exists but has no pocket product yet (see BQE-2653: external-us-bank accounts stuck with no destination pocket)
• account detail's "add product" now offers a pocket/"Cuenta" option alongside card/breb/polygon, wired the same way (ledgerId: account.ledgerId)
• home quick actions (topup/send/BRE-B) are disabled with a toast hint when the user has no account yet, instead of failing deep inside each flow with a confusing "no destination account" error
• the "+ new account" card is visually highlighted (primary border, underlined label) when the user has zero accounts

• fix(home): don't treat a still-loading accounts query as "no accounts"

hasAccount and the carousel's highlight both read accounts.length off the query's data, which is [] before it resolves too — that flashed the quick actions as disabled (with the "create an account" toast) and highlighted the add-account card for users who do have one, on first login/cold cache.

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