fix(deposit): hide the USD bank rail from Wirex cardholders

[mul53]

What changed

A Wirex cardholder's "Add funds" (the card screen action row and home) opens the wallet deposit flow. Its Cash → USD step offered Wire transfer, ACH, and the USD row's chips named ACH and Wire. Nothing sent that way reaches the card:

• The Wirex virtual account has SEPA and ACH but no wire rail.
• What it receives settles into the Wirex balance, not the Safe the card spends from.

"Fund your card" already leaves this rail off for Wirex (WIREX_CARD_FUND_SECTIONS.cashDeposit: false). The wallet flow now matches it.

• canFundByUsdBankTransfer(provider) in lib/utils/cardHelpers.ts is false for a Wirex card.
• UsdMethodList takes an optional onBankTransferPress. DepositUsdOptions leaves it out for Wirex cardholders, and Apple Pay and Cash App (where offered) stay.
• getUsdMethodChips(isCashAppAvailable, hasBankTransfer = true) drops ACH and Wire when the rail is hidden, so the cash list's USD row matches.

Rain cardholders and users with no card see no change.

Reviewer notes

• ACH is hidden too, not just Wire, because it is one row and neither rail funds the card. If Wirex users should keep ACH into their Wirex balance, the alternative is relabelling the row "ACH" instead.
• CardFundOptions.test gains a useCardProvider mock. CardFundOptions imports getUsdMethodChips from DepositUsdOptions, which now pulls in that hook.

Testing

• jest components/DepositOption components/Card lib/utils: 50 suites, 739 tests pass.
• New cases: a Rain cardholder keeps the bank rail, a Wirex cardholder gets only Cash App and Apple Pay, and the chip combinations.

🤖 Generated with Claude Code

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