From 214c6e96eeb258608172518c2eb56cf393068220 Mon Sep 17 00:00:00 2001
From: Benjtalkshow <chinedubenj@gmail.com>
Date: Fri, 20 Feb 2026 13:10:59 +0100
Subject: [PATCH 1/3] fix: resolve all lint issues and setup husky hooks

---
 .husky/pre-commit                             |   1 +
 .lintstagedrc                                 |   4 +
 app/api/compliance/status/route.ts            |  44 +-
 app/api/compliance/terms/route.ts             |  56 +-
 app/api/compliance/upgrade/route.ts           |  64 +-
 app/api/withdrawal/submit/route.ts            |  44 +-
 components/compliance/appeal-dialog.tsx       | 178 +++--
 components/compliance/document-upload.tsx     | 173 +++--
 components/compliance/limits-display.tsx      | 160 +++--
 components/compliance/terms-dialog.tsx        | 146 ++--
 components/compliance/tier-upgrade-dialog.tsx | 295 ++++----
 components/wallet/wallet-sheet.tsx            |   1 -
 components/wallet/withdrawal-section.tsx      | 475 +++++++------
 lib/services/appeal.ts                        |  82 ++-
 lib/services/compliance.ts                    | 658 +++++++++---------
 lib/services/geo-restriction.ts               | 212 +++---
 package-lock.json                             | 251 +++++--
 package.json                                  |   6 +-
 18 files changed, 1616 insertions(+), 1234 deletions(-)
 create mode 100644 .husky/pre-commit
 create mode 100644 .lintstagedrc

diff --git a/.husky/pre-commit b/.husky/pre-commit
new file mode 100644
index 0000000..db7dfc5
--- /dev/null
+++ b/.husky/pre-commit
@@ -0,0 +1 @@
+npx lint-staged --concurrent false && npm run build
diff --git a/.lintstagedrc b/.lintstagedrc
new file mode 100644
index 0000000..681f620
--- /dev/null
+++ b/.lintstagedrc
@@ -0,0 +1,4 @@
+{
+  "*.{js,jsx,ts,tsx}": ["eslint --fix", "prettier --write"],
+  "*.{json,md,css}": ["prettier --write"]
+}
diff --git a/app/api/compliance/status/route.ts b/app/api/compliance/status/route.ts
index 9054ac5..35a9563 100644
--- a/app/api/compliance/status/route.ts
+++ b/app/api/compliance/status/route.ts
@@ -3,26 +3,30 @@ import { getCurrentUser } from "@/lib/server-auth";
 import { ComplianceService } from "@/lib/services/compliance";
 import { TermsService } from "@/lib/services/terms";
 
-export async function GET(request: NextRequest) {
-    try {
-        const user = await getCurrentUser();
-        if (!user) {
-            return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
-        }
+// eslint-disable-next-line @typescript-eslint/no-unused-vars
+export async function GET(_request: NextRequest) {
+  try {
+    const user = await getCurrentUser();
+    if (!user) {
+      return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+    }
 
-        const compliance = await ComplianceService.getUserCompliance(user.id);
-        const remaining = await ComplianceService.getRemainingLimits(user.id);
-        const termsStatus = await TermsService.getUserTermsStatus(user.id);
-        const nextTier = ComplianceService.getNextTier(compliance.currentTier);
+    const compliance = await ComplianceService.getUserCompliance(user.id);
+    const remaining = await ComplianceService.getRemainingLimits(user.id);
+    const termsStatus = await TermsService.getUserTermsStatus(user.id);
+    const nextTier = ComplianceService.getNextTier(compliance.currentTier);
 
-        return NextResponse.json({
-            compliance,
-            remaining,
-            termsStatus,
-            nextTier,
-        });
-    } catch (error) {
-        console.error("Error fetching compliance status:", error);
-        return NextResponse.json({ error: "Internal Server Error" }, { status: 500 });
-    }
+    return NextResponse.json({
+      compliance,
+      remaining,
+      termsStatus,
+      nextTier,
+    });
+  } catch (error) {
+    console.error("Error fetching compliance status:", error);
+    return NextResponse.json(
+      { error: "Internal Server Error" },
+      { status: 500 },
+    );
+  }
 }
diff --git a/app/api/compliance/terms/route.ts b/app/api/compliance/terms/route.ts
index 22ab0e5..3313be5 100644
--- a/app/api/compliance/terms/route.ts
+++ b/app/api/compliance/terms/route.ts
@@ -2,34 +2,42 @@ import { NextRequest, NextResponse } from "next/server";
 import { getCurrentUser } from "@/lib/server-auth";
 import { TermsService } from "@/lib/services/terms";
 
-export async function GET(request: NextRequest) {
-    try {
-        const terms = await TermsService.getCurrentTermsVersion();
-        return NextResponse.json(terms);
-    } catch (error) {
-        return NextResponse.json({ error: "Failed to fetch terms" }, { status: 500 });
-    }
+// eslint-disable-next-line @typescript-eslint/no-unused-vars
+export async function GET(_request: NextRequest) {
+  try {
+    const terms = await TermsService.getCurrentTermsVersion();
+    return NextResponse.json(terms);
+    // eslint-disable-next-line @typescript-eslint/no-unused-vars
+  } catch (_error) {
+    return NextResponse.json(
+      { error: "Failed to fetch terms" },
+      { status: 500 },
+    );
+  }
 }
 
 export async function POST(request: NextRequest) {
-    try {
-        const user = await getCurrentUser();
-        if (!user) {
-            return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
-        }
+  try {
+    const user = await getCurrentUser();
+    if (!user) {
+      return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+    }
 
-        const { termsVersionId } = await request.json();
-        const ip = request.headers.get('x-forwarded-for') || '0.0.0.0';
-        const userAgent = request.headers.get('user-agent') || 'unknown';
+    const { termsVersionId } = await request.json();
+    const ip = request.headers.get("x-forwarded-for") || "0.0.0.0";
+    const userAgent = request.headers.get("user-agent") || "unknown";
 
-        const acceptance = await TermsService.acceptTerms(user.id, termsVersionId, {
-            ipAddress: ip,
-            userAgent,
-        });
+    const acceptance = await TermsService.acceptTerms(user.id, termsVersionId, {
+      ipAddress: ip,
+      userAgent,
+    });
 
-        return NextResponse.json(acceptance);
-    } catch (error) {
-        console.error("Error accepting terms:", error);
-        return NextResponse.json({ error: "Failed to accept terms" }, { status: 500 });
-    }
+    return NextResponse.json(acceptance);
+  } catch (error) {
+    console.error("Error accepting terms:", error);
+    return NextResponse.json(
+      { error: "Failed to accept terms" },
+      { status: 500 },
+    );
+  }
 }
diff --git a/app/api/compliance/upgrade/route.ts b/app/api/compliance/upgrade/route.ts
index c54ad2e..f9bc36c 100644
--- a/app/api/compliance/upgrade/route.ts
+++ b/app/api/compliance/upgrade/route.ts
@@ -3,39 +3,45 @@ import { getCurrentUser } from "@/lib/server-auth";
 import { VerificationService } from "@/lib/services/verification";
 
 export async function POST(request: NextRequest) {
-    try {
-        const user = await getCurrentUser();
-        if (!user) {
-            return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
-        }
+  try {
+    const user = await getCurrentUser();
+    if (!user) {
+      return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+    }
 
-        const { targetTier } = await request.json();
+    const { targetTier } = await request.json();
 
-        const verificationRequest = await VerificationService.createVerificationRequest(
-            user.id,
-            targetTier
-        );
+    const verificationRequest =
+      await VerificationService.createVerificationRequest(user.id, targetTier);
 
-        return NextResponse.json(verificationRequest);
-    } catch (error: any) {
-        console.error("Error creating verification request:", error);
-        return NextResponse.json(
-            { error: error.message || "Failed to create verification request" },
-            { status: 400 }
-        );
-    }
+    return NextResponse.json(verificationRequest);
+  } catch (error) {
+    console.error("Error creating verification request:", error);
+    return NextResponse.json(
+      {
+        error:
+          (error as Error).message || "Failed to create verification request",
+      },
+      { status: 400 },
+    );
+  }
 }
 
-export async function GET(request: NextRequest) {
-    try {
-        const user = await getCurrentUser();
-        if (!user) {
-            return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
-        }
-
-        const status = await VerificationService.getVerificationStatus(user.id);
-        return NextResponse.json(status);
-    } catch (error) {
-        return NextResponse.json({ error: "Failed to fetch verification status" }, { status: 500 });
+// eslint-disable-next-line @typescript-eslint/no-unused-vars
+export async function GET(_request: NextRequest) {
+  try {
+    const user = await getCurrentUser();
+    if (!user) {
+      return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
     }
+
+    const status = await VerificationService.getVerificationStatus(user.id);
+    return NextResponse.json(status);
+    // eslint-disable-next-line @typescript-eslint/no-unused-vars
+  } catch (_error) {
+    return NextResponse.json(
+      { error: "Failed to fetch verification status" },
+      { status: 500 },
+    );
+  }
 }
diff --git a/app/api/withdrawal/submit/route.ts b/app/api/withdrawal/submit/route.ts
index ce43753..45a3935 100644
--- a/app/api/withdrawal/submit/route.ts
+++ b/app/api/withdrawal/submit/route.ts
@@ -3,29 +3,29 @@ import { getCurrentUser } from "@/lib/server-auth";
 import { WithdrawalService } from "@/lib/services/withdrawal";
 
 export async function POST(request: NextRequest) {
-    try {
-        const user = await getCurrentUser();
-        if (!user) {
-            return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
-        }
+  try {
+    const user = await getCurrentUser();
+    if (!user) {
+      return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+    }
 
-        const { amount, currency, destinationId } = await request.json();
-        const ip = request.headers.get('x-forwarded-for') || '0.0.0.0';
+    const { amount, currency, destinationId } = await request.json();
+    const ip = request.headers.get("x-forwarded-for") || "0.0.0.0";
 
-        const withdrawal = await WithdrawalService.submit(
-            user.id,
-            amount,
-            currency,
-            destinationId,
-            ip
-        );
+    const withdrawal = await WithdrawalService.submit(
+      user.id,
+      amount,
+      currency,
+      destinationId,
+      ip,
+    );
 
-        return NextResponse.json(withdrawal);
-    } catch (error: any) {
-        console.error("Error submitting withdrawal:", error);
-        return NextResponse.json(
-            { error: error.message || "Withdrawal failed" },
-            { status: 400 }
-        );
-    }
+    return NextResponse.json(withdrawal);
+  } catch (error) {
+    console.error("Error submitting withdrawal:", error);
+    return NextResponse.json(
+      { error: (error as Error).message || "Withdrawal failed" },
+      { status: 400 },
+    );
+  }
 }
diff --git a/components/compliance/appeal-dialog.tsx b/components/compliance/appeal-dialog.tsx
index 3cbbcd1..9da687b 100644
--- a/components/compliance/appeal-dialog.tsx
+++ b/components/compliance/appeal-dialog.tsx
@@ -1,96 +1,120 @@
 "use client";
 
 import { useState } from "react";
-import { Dialog, DialogContent, DialogDescription, DialogFooter, DialogHeader, DialogTitle } from "@/components/ui/dialog";
+import {
+  Dialog,
+  DialogContent,
+  DialogDescription,
+  DialogFooter,
+  DialogHeader,
+  DialogTitle,
+} from "@/components/ui/dialog";
 import { Button } from "@/components/ui/button";
 import { Label } from "@/components/ui/label";
 import { Textarea } from "@/components/ui/textarea";
 import { AppealService } from "@/lib/services/appeal";
 
 interface AppealDialogProps {
-    open: boolean;
-    onOpenChange: (open: boolean) => void;
-    verificationRequestId: string;
-    userId: string;
-    rejectionReason?: string;
+  open: boolean;
+  onOpenChange: (open: boolean) => void;
+  verificationRequestId: string;
+  userId: string;
+  rejectionReason?: string;
 }
 
-export function AppealDialog({ open, onOpenChange, verificationRequestId, userId, rejectionReason }: AppealDialogProps) {
-    const [reason, setReason] = useState("");
-    const [additionalInfo, setAdditionalInfo] = useState("");
-    const [submitting, setSubmitting] = useState(false);
+export function AppealDialog({
+  open,
+  onOpenChange,
+  verificationRequestId,
+  userId,
+  rejectionReason,
+}: AppealDialogProps) {
+  const [reason, setReason] = useState("");
+  const [additionalInfo, setAdditionalInfo] = useState("");
+  const [submitting, setSubmitting] = useState(false);
 
-    const handleSubmit = async () => {
-        if (!reason.trim()) return;
+  const handleSubmit = async () => {
+    if (!reason.trim()) return;
 
-        setSubmitting(true);
-        try {
-            await AppealService.submitAppeal(userId, verificationRequestId, reason, additionalInfo);
-            alert('Appeal submitted successfully. Our team will review it within 3-5 business days.');
-            onOpenChange(false);
-            setReason("");
-            setAdditionalInfo("");
-        } catch (error: any) {
-            alert(error.message || 'Failed to submit appeal');
-        } finally {
-            setSubmitting(false);
-        }
-    };
+    setSubmitting(true);
+    try {
+      await AppealService.submitAppeal(
+        userId,
+        verificationRequestId,
+        reason,
+        additionalInfo,
+      );
+      alert(
+        "Appeal submitted successfully. Our team will review it within 3-5 business days.",
+      );
+      onOpenChange(false);
+      setReason("");
+      setAdditionalInfo("");
+    } catch (error) {
+      alert((error as Error).message || "Failed to submit appeal");
+    } finally {
+      setSubmitting(false);
+    }
+  };
 
-    return (
-        <Dialog open={open} onOpenChange={onOpenChange}>
-            <DialogContent className="max-w-lg">
-                <DialogHeader>
-                    <DialogTitle>Appeal Verification Decision</DialogTitle>
-                    <DialogDescription>
-                        Explain why you believe the rejection should be reconsidered.
-                    </DialogDescription>
-                </DialogHeader>
+  return (
+    <Dialog open={open} onOpenChange={onOpenChange}>
+      <DialogContent className="max-w-lg">
+        <DialogHeader>
+          <DialogTitle>Appeal Verification Decision</DialogTitle>
+          <DialogDescription>
+            Explain why you believe the rejection should be reconsidered.
+          </DialogDescription>
+        </DialogHeader>
 
-                <div className="space-y-4">
-                    {rejectionReason && (
-                        <div className="bg-muted/50 rounded-lg p-3">
-                            <p className="text-sm font-medium mb-1">Original Rejection Reason:</p>
-                            <p className="text-sm text-muted-foreground">{rejectionReason}</p>
-                        </div>
-                    )}
+        <div className="space-y-4">
+          {rejectionReason && (
+            <div className="bg-muted/50 rounded-lg p-3">
+              <p className="text-sm font-medium mb-1">
+                Original Rejection Reason:
+              </p>
+              <p className="text-sm text-muted-foreground">{rejectionReason}</p>
+            </div>
+          )}
 
-                    <div className="space-y-2">
-                        <Label htmlFor="reason">Why should we reconsider?</Label>
-                        <Textarea
-                            id="reason"
-                            placeholder="Explain your situation..."
-                            className="min-h-[100px]"
-                            value={reason}
-                            onChange={(e) => setReason(e.target.value)}
-                            required
-                        />
-                    </div>
+          <div className="space-y-2">
+            <Label htmlFor="reason">Why should we reconsider?</Label>
+            <Textarea
+              id="reason"
+              placeholder="Explain your situation..."
+              className="min-h-[100px]"
+              value={reason}
+              onChange={(e) => setReason(e.target.value)}
+              required
+            />
+          </div>
 
-                    <div className="space-y-2">
-                        <Label htmlFor="additionalInfo">Additional Information (Optional)</Label>
-                        <Textarea
-                            id="additionalInfo"
-                            placeholder="Any additional context..."
-                            className="min-h-[80px]"
-                            value={additionalInfo}
-                            onChange={(e) => setAdditionalInfo(e.target.value)}
-                        />
-                    </div>
-                </div>
+          <div className="space-y-2">
+            <Label htmlFor="additionalInfo">
+              Additional Information (Optional)
+            </Label>
+            <Textarea
+              id="additionalInfo"
+              placeholder="Any additional context..."
+              className="min-h-[80px]"
+              value={additionalInfo}
+              onChange={(e) => setAdditionalInfo(e.target.value)}
+            />
+          </div>
+        </div>
 
-                <DialogFooter>
-                    <Button variant="outline" onClick={() => onOpenChange(false)}>
-                        Cancel
-                    </Button>
-                    <Button
-                        onClick={handleSubmit}
-                        disabled={!reason.trim() || submitting}
-                    >
-                        {submitting ? 'Submitting...' : 'Submit Appeal'}
-                    </Button>
-                </DialogFooter>
-            </DialogContent>
-        </Dialog>
-    );
+        <DialogFooter>
+          <Button variant="outline" onClick={() => onOpenChange(false)}>
+            Cancel
+          </Button>
+          <Button
+            onClick={handleSubmit}
+            disabled={!reason.trim() || submitting}
+          >
+            {submitting ? "Submitting..." : "Submit Appeal"}
+          </Button>
+        </DialogFooter>
+      </DialogContent>
+    </Dialog>
+  );
 }
diff --git a/components/compliance/document-upload.tsx b/components/compliance/document-upload.tsx
index bf932a7..c4fa5fa 100644
--- a/components/compliance/document-upload.tsx
+++ b/components/compliance/document-upload.tsx
@@ -7,106 +7,105 @@ import { Upload, X, FileText, CheckCircle } from "lucide-react";
 import { DocumentType } from "@/types/compliance";
 
 interface DocumentUploadProps {
-    type: DocumentType;
-    label: string;
-    onUpload: (file: File) => Promise<void>;
-    uploaded?: boolean;
+  type: DocumentType;
+  label: string;
+  onUpload: (file: File) => Promise<void>;
+  uploaded?: boolean;
 }
 
 const acceptedTypes: Record<DocumentType, string> = {
-    GOVERNMENT_ID: "image/*,.pdf",
-    PROOF_OF_ADDRESS: "image/*,.pdf",
-    SELFIE: "image/*",
-    ADDITIONAL: "image/*,.pdf",
+  GOVERNMENT_ID: "image/*,.pdf",
+  PROOF_OF_ADDRESS: "image/*,.pdf",
+  SELFIE: "image/*",
+  ADDITIONAL: "image/*,.pdf",
 };
 
-export function DocumentUpload({ type, label, onUpload, uploaded }: DocumentUploadProps) {
-    const [file, setFile] = useState<File | null>(null);
-    const [uploading, setUploading] = useState(false);
-    const [error, setError] = useState<string | null>(null);
+export function DocumentUpload({
+  type,
+  label,
+  onUpload,
+  uploaded,
+}: DocumentUploadProps) {
+  const [file, setFile] = useState<File | null>(null);
+  const [uploading, setUploading] = useState(false);
+  const [error, setError] = useState<string | null>(null);
 
-    const handleFileChange = async (e: React.ChangeEvent<HTMLInputElement>) => {
-        const selectedFile = e.target.files?.[0];
-        if (!selectedFile) return;
+  const handleFileChange = async (e: React.ChangeEvent<HTMLInputElement>) => {
+    const selectedFile = e.target.files?.[0];
+    if (!selectedFile) return;
 
-        if (selectedFile.size > 10 * 1024 * 1024) {
-            setError("File too large. Max 10MB.");
-            return;
-        }
+    if (selectedFile.size > 10 * 1024 * 1024) {
+      setError("File too large. Max 10MB.");
+      return;
+    }
 
-        setFile(selectedFile);
-        setError(null);
+    setFile(selectedFile);
+    setError(null);
 
-        setUploading(true);
-        try {
-            await onUpload(selectedFile);
-        } catch (err: any) {
-            setError(err.message || "Upload failed");
-        } finally {
-            setUploading(false);
-        }
-    };
+    setUploading(true);
+    try {
+      await onUpload(selectedFile);
+    } catch (err) {
+      setError((err as Error).message || "Upload failed");
+    } finally {
+      setUploading(false);
+    }
+  };
 
-    const clearFile = () => {
-        setFile(null);
-        setError(null);
-    };
+  const clearFile = () => {
+    setFile(null);
+    setError(null);
+  };
 
-    return (
-        <div className="space-y-2">
-            <Label>{label}</Label>
+  return (
+    <div className="space-y-2">
+      <Label>{label}</Label>
 
-            {!file && !uploaded && (
-                <label className="flex flex-col items-center justify-center w-full h-32 border-2 border-dashed rounded-lg cursor-pointer hover:bg-muted/50 transition-colors">
-                    <div className="flex flex-col items-center justify-center pt-5 pb-6">
-                        <Upload className="w-8 h-8 mb-2 text-muted-foreground" />
-                        <p className="text-sm text-muted-foreground">
-                            Click to upload or drag and drop
-                        </p>
-                        <p className="text-xs text-muted-foreground mt-1">
-                            PNG, JPG, PDF (max 10MB)
-                        </p>
-                    </div>
-                    <input
-                        type="file"
-                        className="hidden"
-                        accept={acceptedTypes[type]}
-                        onChange={handleFileChange}
-                        disabled={uploading}
-                    />
-                </label>
-            )}
-
-            {(file || uploaded) && (
-                <div className="flex items-center justify-between p-3 border rounded-lg">
-                    <div className="flex items-center gap-2">
-                        {uploaded ? (
-                            <CheckCircle className="w-5 h-5 text-green-500" />
-                        ) : (
-                            <FileText className="w-5 h-5" />
-                        )}
-                        <div className="text-sm">
-                            <p className="font-medium">{file?.name || "Document uploaded"}</p>
-                            <p className="text-xs text-muted-foreground">
-                                {uploaded ? "Verified" : uploading ? "Uploading..." : "Ready"}
-                            </p>
-                        </div>
-                    </div>
-                    {!uploaded && !uploading && (
-                        <Button
-                            variant="ghost"
-                            size="sm"
-                            onClick={clearFile}
-                        >
-                            <X className="w-4 h-4" />
-                        </Button>
-                    )}
-                </div>
-            )}
+      {!file && !uploaded && (
+        <label className="flex flex-col items-center justify-center w-full h-32 border-2 border-dashed rounded-lg cursor-pointer hover:bg-muted/50 transition-colors">
+          <div className="flex flex-col items-center justify-center pt-5 pb-6">
+            <Upload className="w-8 h-8 mb-2 text-muted-foreground" />
+            <p className="text-sm text-muted-foreground">
+              Click to upload or drag and drop
+            </p>
+            <p className="text-xs text-muted-foreground mt-1">
+              PNG, JPG, PDF (max 10MB)
+            </p>
+          </div>
+          <input
+            type="file"
+            className="hidden"
+            accept={acceptedTypes[type]}
+            onChange={handleFileChange}
+            disabled={uploading}
+          />
+        </label>
+      )}
 
-            {error && (
-                <p className="text-xs text-destructive">{error}</p>
+      {(file || uploaded) && (
+        <div className="flex items-center justify-between p-3 border rounded-lg">
+          <div className="flex items-center gap-2">
+            {uploaded ? (
+              <CheckCircle className="w-5 h-5 text-green-500" />
+            ) : (
+              <FileText className="w-5 h-5" />
             )}
+            <div className="text-sm">
+              <p className="font-medium">{file?.name || "Document uploaded"}</p>
+              <p className="text-xs text-muted-foreground">
+                {uploaded ? "Verified" : uploading ? "Uploading..." : "Ready"}
+              </p>
+            </div>
+          </div>
+          {!uploaded && !uploading && (
+            <Button variant="ghost" size="sm" onClick={clearFile}>
+              <X className="w-4 h-4" />
+            </Button>
+          )}
         </div>
-    );
+      )}
+
+      {error && <p className="text-xs text-destructive">{error}</p>}
+    </div>
+  );
 }
diff --git a/components/compliance/limits-display.tsx b/components/compliance/limits-display.tsx
index d93fc64..a399163 100644
--- a/components/compliance/limits-display.tsx
+++ b/components/compliance/limits-display.tsx
@@ -7,95 +7,105 @@ import { KYCTier } from "@/types/compliance";
 import { useComplianceStatus } from "@/hooks/use-compliance";
 
 interface LimitsDisplayProps {
-    onUpgradeClick?: () => void;
+  onUpgradeClick?: () => void;
 }
 
 const tierColors: Record<KYCTier, string> = {
-    UNVERIFIED: 'bg-gray-500',
-    BASIC: 'bg-blue-500',
-    VERIFIED: 'bg-green-500',
-    ENHANCED: 'bg-purple-500',
+  UNVERIFIED: "bg-gray-500",
+  BASIC: "bg-blue-500",
+  VERIFIED: "bg-green-500",
+  ENHANCED: "bg-purple-500",
 };
 
 const formatCurrency = (amount: number) =>
-    new Intl.NumberFormat("en-US", { style: "currency", currency: "USD" }).format(amount);
+  new Intl.NumberFormat("en-US", { style: "currency", currency: "USD" }).format(
+    amount,
+  );
 
 export function LimitsDisplay({ onUpgradeClick }: LimitsDisplayProps) {
-    const { data, isLoading } = useComplianceStatus();
+  const { data, isLoading } = useComplianceStatus();
 
-    if (isLoading) {
-        return <div className="text-sm text-muted-foreground">Loading limits...</div>;
-    }
+  if (isLoading) {
+    return (
+      <div className="text-sm text-muted-foreground">Loading limits...</div>
+    );
+  }
 
-    if (!data) return null;
+  if (!data) return null;
 
-    const { compliance, remaining, nextTier } = data;
+  const { compliance, remaining, nextTier } = data;
 
-    return (
-        <div className="space-y-4">
-            <div className="flex flex-col gap-3">
-                <div className="flex items-center gap-2">
-                    <span className="text-sm font-medium">Verification Tier:</span>
-                    <Badge className={tierColors[compliance.currentTier]}>
-                        {compliance.currentTier}
-                    </Badge>
-                </div>
-                {nextTier && onUpgradeClick && (
-                    <Button size="sm" variant="outline" onClick={onUpgradeClick} className="w-full">
-                        <ArrowUp className="h-3 w-3 mr-1" />
-                        Upgrade to {nextTier}
-                    </Button>
-                )}
-            </div>
-
-            <div className="space-y-3">
-                <LimitBar
-                    label="Daily Limit"
-                    used={compliance.usage.dailyUsed}
-                    total={compliance.limits.daily}
-                    remaining={remaining.daily}
-                    percent={remaining.percentUsed.daily}
-                />
-                <LimitBar
-                    label="Weekly Limit"
-                    used={compliance.usage.weeklyUsed}
-                    total={compliance.limits.weekly}
-                    remaining={remaining.weekly}
-                    percent={remaining.percentUsed.weekly}
-                />
-                <LimitBar
-                    label="Monthly Limit"
-                    used={compliance.usage.monthlyUsed}
-                    total={compliance.limits.monthly}
-                    remaining={remaining.monthly}
-                    percent={remaining.percentUsed.monthly}
-                />
-            </div>
+  return (
+    <div className="space-y-4">
+      <div className="flex flex-col gap-3">
+        <div className="flex items-center gap-2">
+          <span className="text-sm font-medium">Verification Tier:</span>
+          <Badge className={tierColors[compliance.currentTier]}>
+            {compliance.currentTier}
+          </Badge>
         </div>
-    );
+        {nextTier && onUpgradeClick && (
+          <Button
+            size="sm"
+            variant="outline"
+            onClick={onUpgradeClick}
+            className="w-full"
+          >
+            <ArrowUp className="h-3 w-3 mr-1" />
+            Upgrade to {nextTier}
+          </Button>
+        )}
+      </div>
+
+      <div className="space-y-3">
+        <LimitBar
+          label="Daily Limit"
+          total={compliance.limits.daily}
+          remaining={remaining.daily}
+          percent={remaining.percentUsed.daily}
+        />
+        <LimitBar
+          label="Weekly Limit"
+          total={compliance.limits.weekly}
+          remaining={remaining.weekly}
+          percent={remaining.percentUsed.weekly}
+        />
+        <LimitBar
+          label="Monthly Limit"
+          total={compliance.limits.monthly}
+          remaining={remaining.monthly}
+          percent={remaining.percentUsed.monthly}
+        />
+      </div>
+    </div>
+  );
 }
 
-function LimitBar({ label, used, total, remaining, percent }: {
-    label: string;
-    used: number;
-    total: number;
-    remaining: number;
-    percent: number;
+function LimitBar({
+  label,
+  total,
+  remaining,
+  percent,
+}: {
+  label: string;
+  total: number;
+  remaining: number;
+  percent: number;
 }) {
-    return (
-        <div>
-            <div className="flex justify-between text-sm mb-1">
-                <span className="text-muted-foreground">{label}</span>
-                <span className="font-medium">
-                    {formatCurrency(remaining)} / {formatCurrency(total)}
-                </span>
-            </div>
-            <div className="w-full bg-muted rounded-full h-2">
-                <div
-                    className="bg-primary h-2 rounded-full transition-all"
-                    style={{ width: `${Math.min(100, percent)}%` }}
-                />
-            </div>
-        </div>
-    );
+  return (
+    <div>
+      <div className="flex justify-between text-sm mb-1">
+        <span className="text-muted-foreground">{label}</span>
+        <span className="font-medium">
+          {formatCurrency(remaining)} / {formatCurrency(total)}
+        </span>
+      </div>
+      <div className="w-full bg-muted rounded-full h-2">
+        <div
+          className="bg-primary h-2 rounded-full transition-all"
+          style={{ width: `${Math.min(100, percent)}%` }}
+        />
+      </div>
+    </div>
+  );
 }
diff --git a/components/compliance/terms-dialog.tsx b/components/compliance/terms-dialog.tsx
index f8823d7..18e605a 100644
--- a/components/compliance/terms-dialog.tsx
+++ b/components/compliance/terms-dialog.tsx
@@ -1,7 +1,14 @@
 "use client";
 
-import { useState, useEffect } from "react";
-import { Dialog, DialogContent, DialogDescription, DialogFooter, DialogHeader, DialogTitle } from "@/components/ui/dialog";
+import { useState } from "react";
+import {
+  Dialog,
+  DialogContent,
+  DialogDescription,
+  DialogFooter,
+  DialogHeader,
+  DialogTitle,
+} from "@/components/ui/dialog";
 import { Button } from "@/components/ui/button";
 import { Checkbox } from "@/components/ui/checkbox";
 import { useQuery } from "@tanstack/react-query";
@@ -10,79 +17,86 @@ import { TermsVersion } from "@/types/terms";
 import { useAcceptTerms } from "@/hooks/use-compliance";
 
 interface TermsDialogProps {
-    open: boolean;
-    onOpenChange?: (open: boolean) => void;
-    onAccepted: () => void;
+  open: boolean;
+  onOpenChange?: (open: boolean) => void;
+  onAccepted: () => void;
 }
 
-export function TermsDialog({ open, onOpenChange, onAccepted }: TermsDialogProps) {
-    const [agreed, setAgreed] = useState(false);
-    const [scrolled, setScrolled] = useState(false);
+export function TermsDialog({
+  open,
+  onOpenChange,
+  onAccepted,
+}: TermsDialogProps) {
+  const [agreed, setAgreed] = useState(false);
+  const [scrolled, setScrolled] = useState(false);
 
-    const { data: terms } = useQuery({
-        queryKey: ['terms'],
-        queryFn: () => get<TermsVersion>('/api/compliance/terms'),
-    });
+  const { data: terms } = useQuery({
+    queryKey: ["terms"],
+    queryFn: () => get<TermsVersion>("/api/compliance/terms"),
+  });
 
-    const acceptMutation = useAcceptTerms();
+  const acceptMutation = useAcceptTerms();
 
-    const handleAccept = async () => {
-        if (!terms || !agreed) return;
+  const handleAccept = async () => {
+    if (!terms || !agreed) return;
 
-        try {
-            await acceptMutation.mutateAsync(terms.id);
-            onAccepted();
-        } catch (error) {
-            console.error('Failed to accept terms:', error);
-        }
-    };
+    try {
+      await acceptMutation.mutateAsync(terms.id);
+      onAccepted();
+    } catch (error) {
+      console.error("Failed to accept terms:", error);
+    }
+  };
 
-    const handleScroll = (e: React.UIEvent<HTMLDivElement>) => {
-        const target = e.target as HTMLDivElement;
-        const bottom = target.scrollHeight - target.scrollTop <= target.clientHeight + 50;
-        if (bottom) setScrolled(true);
-    };
+  const handleScroll = (e: React.UIEvent<HTMLDivElement>) => {
+    const target = e.target as HTMLDivElement;
+    const bottom =
+      target.scrollHeight - target.scrollTop <= target.clientHeight + 50;
+    if (bottom) setScrolled(true);
+  };
 
-    return (
-        <Dialog open={open} onOpenChange={onOpenChange}>
-            <DialogContent className="max-w-2xl max-h-[80vh] flex flex-col">
-                <DialogHeader>
-                    <DialogTitle>{terms?.title || 'Terms and Conditions'}</DialogTitle>
-                    <DialogDescription>
-                        Please review and accept the terms to continue with withdrawals.
-                    </DialogDescription>
-                </DialogHeader>
+  return (
+    <Dialog open={open} onOpenChange={onOpenChange}>
+      <DialogContent className="max-w-2xl max-h-[80vh] flex flex-col">
+        <DialogHeader>
+          <DialogTitle>{terms?.title || "Terms and Conditions"}</DialogTitle>
+          <DialogDescription>
+            Please review and accept the terms to continue with withdrawals.
+          </DialogDescription>
+        </DialogHeader>
 
-                <div
-                    className="flex-1 overflow-y-auto border rounded p-4 text-sm"
-                    onScroll={handleScroll}
-                >
-                    {terms?.content.split('\n').map((line, i) => (
-                        <p key={i} className="mb-2">{line}</p>
-                    ))}
-                </div>
+        <div
+          className="flex-1 overflow-y-auto border rounded p-4 text-sm"
+          onScroll={handleScroll}
+        >
+          {terms?.content.split("\n").map((line, i) => (
+            <p key={i} className="mb-2">
+              {line}
+            </p>
+          ))}
+        </div>
 
-                <div className="flex items-center space-x-2 pt-4">
-                    <Checkbox
-                        id="agree"
-                        checked={agreed}
-                        onCheckedChange={(checked) => setAgreed(checked as boolean)}
-                        disabled={!scrolled}
-                    />
-                    <label htmlFor="agree" className="text-sm">
-                        I have read and agree to the terms and conditions
-                    </label>
-                </div>
+        <div className="flex items-center space-x-2 pt-4">
+          <Checkbox
+            id="agree"
+            checked={agreed}
+            onCheckedChange={(checked) => setAgreed(checked as boolean)}
+            disabled={!scrolled}
+          />
+          <label htmlFor="agree" className="text-sm">
+            I have read and agree to the terms and conditions
+          </label>
+        </div>
 
-                <DialogFooter>
-                    <Button
-                        onClick={handleAccept}
-                        disabled={!agreed || acceptMutation.isPending}
-                    >
-                        {acceptMutation.isPending ? 'Accepting...' : 'Accept & Continue'}
-                    </Button>
-                </DialogFooter>
-            </DialogContent>
-        </Dialog>
-    );
+        <DialogFooter>
+          <Button
+            onClick={handleAccept}
+            disabled={!agreed || acceptMutation.isPending}
+          >
+            {acceptMutation.isPending ? "Accepting..." : "Accept & Continue"}
+          </Button>
+        </DialogFooter>
+      </DialogContent>
+    </Dialog>
+  );
 }
diff --git a/components/compliance/tier-upgrade-dialog.tsx b/components/compliance/tier-upgrade-dialog.tsx
index 3800a29..854f4aa 100644
--- a/components/compliance/tier-upgrade-dialog.tsx
+++ b/components/compliance/tier-upgrade-dialog.tsx
@@ -1,7 +1,14 @@
 "use client";
 
 import { useState } from "react";
-import { Dialog, DialogContent, DialogDescription, DialogFooter, DialogHeader, DialogTitle } from "@/components/ui/dialog";
+import {
+  Dialog,
+  DialogContent,
+  DialogDescription,
+  DialogFooter,
+  DialogHeader,
+  DialogTitle,
+} from "@/components/ui/dialog";
 import { Button } from "@/components/ui/button";
 import { Check } from "lucide-react";
 import { KYCTier, DocumentType } from "@/types/compliance";
@@ -11,150 +18,172 @@ import { useUpgradeTier } from "@/hooks/use-compliance";
 import { DocumentUpload } from "./document-upload";
 
 interface TierUpgradeDialogProps {
-    open: boolean;
-    onOpenChange: (open: boolean) => void;
-    currentTier: KYCTier;
-    targetTier: KYCTier;
+  open: boolean;
+  onOpenChange: (open: boolean) => void;
+  currentTier: KYCTier;
+  targetTier: KYCTier;
 }
 
 const formatCurrency = (amount: number) =>
-    new Intl.NumberFormat("en-US", { style: "currency", currency: "USD", maximumFractionDigits: 0 }).format(amount);
+  new Intl.NumberFormat("en-US", {
+    style: "currency",
+    currency: "USD",
+    maximumFractionDigits: 0,
+  }).format(amount);
 
-export function TierUpgradeDialog({ open, onOpenChange, currentTier, targetTier }: TierUpgradeDialogProps) {
-    const [step, setStep] = useState<'info' | 'documents'>('info');
-    const [requestId, setRequestId] = useState<string | null>(null);
-    const [uploadedDocs, setUploadedDocs] = useState<Set<DocumentType>>(new Set());
-    const upgradeMutation = useUpgradeTier();
-    const tierConfig = ComplianceService.getTierConfig(targetTier);
-    const requiredDocs = VerificationService.getRequiredDocuments(targetTier);
+export function TierUpgradeDialog({
+  open,
+  onOpenChange,
+  targetTier,
+}: TierUpgradeDialogProps) {
+  const [step, setStep] = useState<"info" | "documents">("info");
+  const [requestId, setRequestId] = useState<string | null>(null);
+  const [uploadedDocs, setUploadedDocs] = useState<Set<DocumentType>>(
+    new Set(),
+  );
+  const upgradeMutation = useUpgradeTier();
+  const tierConfig = ComplianceService.getTierConfig(targetTier);
+  const requiredDocs = VerificationService.getRequiredDocuments(targetTier);
 
-    const handleUpgrade = async () => {
-        try {
-            const request = await upgradeMutation.mutateAsync(targetTier);
-            setRequestId(request.id);
-            if (requiredDocs.length > 0) {
-                setStep('documents');
-            } else {
-                onOpenChange(false);
-            }
-        } catch (error: any) {
-            alert(error.message || 'Failed to request upgrade');
-        }
-    };
+  const handleUpgrade = async () => {
+    try {
+      const request = await upgradeMutation.mutateAsync(targetTier);
+      setRequestId(request.id);
+      if (requiredDocs.length > 0) {
+        setStep("documents");
+      } else {
+        onOpenChange(false);
+      }
+    } catch (error) {
+      alert((error as Error).message || "Failed to request upgrade");
+    }
+  };
 
-    const handleDocumentUpload = async (type: DocumentType, file: File) => {
-        if (!requestId) return;
+  const handleDocumentUpload = async (type: DocumentType, file: File) => {
+    if (!requestId) return;
 
-        await VerificationService.uploadDocument(requestId, {
-            type,
-            fileName: file.name,
-            file,
-        });
+    await VerificationService.uploadDocument(requestId, {
+      type,
+      fileName: file.name,
+      file,
+    });
 
-        setUploadedDocs(prev => new Set(prev).add(type));
-    };
+    setUploadedDocs((prev) => new Set(prev).add(type));
+  };
 
-    const handleComplete = () => {
-        setStep('info');
-        setUploadedDocs(new Set());
-        setRequestId(null);
-        onOpenChange(false);
-    };
+  const handleComplete = () => {
+    setStep("info");
+    setUploadedDocs(new Set());
+    setRequestId(null);
+    onOpenChange(false);
+  };
 
-    return (
-        <Dialog open={open} onOpenChange={onOpenChange}>
-            <DialogContent className="max-w-lg">
-                <DialogHeader>
-                    <DialogTitle>Upgrade to {targetTier} Tier</DialogTitle>
-                    <DialogDescription>
-                        {step === 'info'
-                            ? 'Increase your withdrawal limits by upgrading your verification tier.'
-                            : 'Upload required documents to complete your verification.'}
-                    </DialogDescription>
-                </DialogHeader>
+  return (
+    <Dialog open={open} onOpenChange={onOpenChange}>
+      <DialogContent className="max-w-lg">
+        <DialogHeader>
+          <DialogTitle>Upgrade to {targetTier} Tier</DialogTitle>
+          <DialogDescription>
+            {step === "info"
+              ? "Increase your withdrawal limits by upgrading your verification tier."
+              : "Upload required documents to complete your verification."}
+          </DialogDescription>
+        </DialogHeader>
 
-                {step === 'info' ? (
-                    <div className="space-y-4">
-                        <div className="bg-muted/30 rounded-lg p-4 space-y-2">
-                            <h4 className="font-semibold text-sm">New Limits</h4>
-                            <div className="grid grid-cols-2 gap-2 text-sm">
-                                <div>
-                                    <span className="text-muted-foreground">Daily:</span>
-                                    <span className="ml-2 font-medium">{formatCurrency(tierConfig.limits.daily)}</span>
-                                </div>
-                                <div>
-                                    <span className="text-muted-foreground">Weekly:</span>
-                                    <span className="ml-2 font-medium">{formatCurrency(tierConfig.limits.weekly)}</span>
-                                </div>
-                                <div>
-                                    <span className="text-muted-foreground">Monthly:</span>
-                                    <span className="ml-2 font-medium">{formatCurrency(tierConfig.limits.monthly)}</span>
-                                </div>
-                                <div>
-                                    <span className="text-muted-foreground">Per Transaction:</span>
-                                    <span className="ml-2 font-medium">{formatCurrency(tierConfig.limits.perTransaction)}</span>
-                                </div>
-                            </div>
-                        </div>
+        {step === "info" ? (
+          <div className="space-y-4">
+            <div className="bg-muted/30 rounded-lg p-4 space-y-2">
+              <h4 className="font-semibold text-sm">New Limits</h4>
+              <div className="grid grid-cols-2 gap-2 text-sm">
+                <div>
+                  <span className="text-muted-foreground">Daily:</span>
+                  <span className="ml-2 font-medium">
+                    {formatCurrency(tierConfig.limits.daily)}
+                  </span>
+                </div>
+                <div>
+                  <span className="text-muted-foreground">Weekly:</span>
+                  <span className="ml-2 font-medium">
+                    {formatCurrency(tierConfig.limits.weekly)}
+                  </span>
+                </div>
+                <div>
+                  <span className="text-muted-foreground">Monthly:</span>
+                  <span className="ml-2 font-medium">
+                    {formatCurrency(tierConfig.limits.monthly)}
+                  </span>
+                </div>
+                <div>
+                  <span className="text-muted-foreground">
+                    Per Transaction:
+                  </span>
+                  <span className="ml-2 font-medium">
+                    {formatCurrency(tierConfig.limits.perTransaction)}
+                  </span>
+                </div>
+              </div>
+            </div>
 
-                        <div>
-                            <h4 className="font-semibold text-sm mb-2">Requirements</h4>
-                            <ul className="space-y-1">
-                                {tierConfig.requirements.map((req, i) => (
-                                    <li key={i} className="flex items-start gap-2 text-sm">
-                                        <Check className="h-4 w-4 text-green-500 mt-0.5 shrink-0" />
-                                        <span>{req}</span>
-                                    </li>
-                                ))}
-                            </ul>
-                        </div>
+            <div>
+              <h4 className="font-semibold text-sm mb-2">Requirements</h4>
+              <ul className="space-y-1">
+                {tierConfig.requirements.map((req, i) => (
+                  <li key={i} className="flex items-start gap-2 text-sm">
+                    <Check className="h-4 w-4 text-green-500 mt-0.5 shrink-0" />
+                    <span>{req}</span>
+                  </li>
+                ))}
+              </ul>
+            </div>
 
-                        <div className="text-sm text-muted-foreground">
-                            Processing time: {tierConfig.processingTime}
-                        </div>
-                    </div>
-                ) : (
-                    <div className="space-y-4">
-                        {requiredDocs.map((docType) => (
-                            <DocumentUpload
-                                key={docType}
-                                type={docType}
-                                label={docType.replace(/_/g, ' ')}
-                                onUpload={(file) => handleDocumentUpload(docType, file)}
-                                uploaded={uploadedDocs.has(docType)}
-                            />
-                        ))}
-                    </div>
-                )}
+            <div className="text-sm text-muted-foreground">
+              Processing time: {tierConfig.processingTime}
+            </div>
+          </div>
+        ) : (
+          <div className="space-y-4">
+            {requiredDocs.map((docType) => (
+              <DocumentUpload
+                key={docType}
+                type={docType}
+                label={docType.replace(/_/g, " ")}
+                onUpload={(file) => handleDocumentUpload(docType, file)}
+                uploaded={uploadedDocs.has(docType)}
+              />
+            ))}
+          </div>
+        )}
 
-                <DialogFooter>
-                    {step === 'info' ? (
-                        <>
-                            <Button variant="outline" onClick={() => onOpenChange(false)}>
-                                Cancel
-                            </Button>
-                            <Button onClick={handleUpgrade} disabled={upgradeMutation.isPending}>
-                                {upgradeMutation.isPending ? 'Requesting...' : 'Request Upgrade'}
-                            </Button>
-                        </>
-                    ) : (
-                        <>
-                            <Button
-                                variant="outline"
-                                onClick={() => setStep('info')}
-                            >
-                                Back
-                            </Button>
-                            <Button
-                                onClick={handleComplete}
-                                disabled={uploadedDocs.size < requiredDocs.length}
-                            >
-                                Complete
-                            </Button>
-                        </>
-                    )}
-                </DialogFooter>
-            </DialogContent>
-        </Dialog>
-    );
+        <DialogFooter>
+          {step === "info" ? (
+            <>
+              <Button variant="outline" onClick={() => onOpenChange(false)}>
+                Cancel
+              </Button>
+              <Button
+                onClick={handleUpgrade}
+                disabled={upgradeMutation.isPending}
+              >
+                {upgradeMutation.isPending
+                  ? "Requesting..."
+                  : "Request Upgrade"}
+              </Button>
+            </>
+          ) : (
+            <>
+              <Button variant="outline" onClick={() => setStep("info")}>
+                Back
+              </Button>
+              <Button
+                onClick={handleComplete}
+                disabled={uploadedDocs.size < requiredDocs.length}
+              >
+                Complete
+              </Button>
+            </>
+          )}
+        </DialogFooter>
+      </DialogContent>
+    </Dialog>
+  );
 }
diff --git a/components/wallet/wallet-sheet.tsx b/components/wallet/wallet-sheet.tsx
index 42087e9..6446ddc 100644
--- a/components/wallet/wallet-sheet.tsx
+++ b/components/wallet/wallet-sheet.tsx
@@ -12,7 +12,6 @@ import {
   SheetTrigger,
 } from "@/components/ui/sheet";
 import { Button } from "@/components/ui/button";
-import { Separator } from "@/components/ui/separator";
 import {
   Wallet,
   Copy,
diff --git a/components/wallet/withdrawal-section.tsx b/components/wallet/withdrawal-section.tsx
index 63f0a03..7f44d24 100644
--- a/components/wallet/withdrawal-section.tsx
+++ b/components/wallet/withdrawal-section.tsx
@@ -1,11 +1,18 @@
 "use client";
 
-import { useState, useEffect } from "react";
+import { useState, useEffect, useMemo } from "react";
 import { WalletInfo } from "@/types/wallet";
 import { Button } from "@/components/ui/button";
 import { Input } from "@/components/ui/input";
 import { Label } from "@/components/ui/label";
-import { Building, Plus, ArrowRight, History, Info, AlertCircle } from "lucide-react";
+import {
+  Building,
+  Plus,
+  ArrowRight,
+  History,
+  Info,
+  AlertCircle,
+} from "lucide-react";
 import { Badge } from "@/components/ui/badge";
 import { Separator } from "@/components/ui/separator";
 import { Alert, AlertDescription } from "@/components/ui/alert";
@@ -14,231 +21,277 @@ import { TermsDialog } from "@/components/compliance/terms-dialog";
 import { TierUpgradeDialog } from "@/components/compliance/tier-upgrade-dialog";
 import { HoldMessage } from "@/components/compliance/hold-message";
 import { useComplianceStatus } from "@/hooks/use-compliance";
-import { useValidateWithdrawal, useSubmitWithdrawal } from "@/hooks/use-withdrawal";
+import {
+  useValidateWithdrawal,
+  useSubmitWithdrawal,
+} from "@/hooks/use-withdrawal";
 
 interface WithdrawalSectionProps {
-    walletInfo: WalletInfo;
+  walletInfo: WalletInfo;
 }
 
 export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
-    const [amount, setAmount] = useState("");
-    const [showTermsDialog, setShowTermsDialog] = useState(false);
-    const [showUpgradeDialog, setShowUpgradeDialog] = useState(false);
-    const [validationError, setValidationError] = useState<string | null>(null);
-
-    const { data: complianceData } = useComplianceStatus();
-    const validateMutation = useValidateWithdrawal();
-    const submitMutation = useSubmitWithdrawal();
-
-    const bankAccounts = [
-        { id: '1', name: 'Chase Bank', last4: '4242', isPrimary: true },
-    ];
-
-    const parsedAmount = parseFloat(amount);
-    const isValidAmount = !isNaN(parsedAmount) && isFinite(parsedAmount) && parsedAmount >= 10;
-
-    useEffect(() => {
-        if (isValidAmount && parsedAmount <= walletInfo.balance) {
-            validateMutation.mutate(parsedAmount, {
-                onSuccess: (result) => {
-                    if (!result.valid) {
-                        setValidationError(result.errors[0] || 'Validation failed');
-                    } else {
-                        setValidationError(null);
-                    }
-                },
-            });
-        } else {
+  const [amount, setAmount] = useState("");
+  const [showTermsDialog, setShowTermsDialog] = useState(false);
+  const [showUpgradeDialog, setShowUpgradeDialog] = useState(false);
+  const [validationError, setValidationError] = useState<string | null>(null);
+
+  const { data: complianceData } = useComplianceStatus();
+  const validateMutation = useValidateWithdrawal();
+  const submitMutation = useSubmitWithdrawal();
+
+  const bankAccounts = [
+    { id: "1", name: "Chase Bank", last4: "4242", isPrimary: true },
+  ];
+
+  const parsedAmount = parseFloat(amount);
+  const isValidAmount =
+    !isNaN(parsedAmount) && isFinite(parsedAmount) && parsedAmount >= 10;
+
+  const syncValidationError = useMemo(() => {
+    if (!amount) return null;
+    if (!isValidAmount) return "Minimum withdrawal is $10.00";
+    if (parsedAmount > walletInfo.balance) return "Insufficient balance";
+    return null;
+  }, [amount, isValidAmount, parsedAmount, walletInfo.balance]);
+
+  useEffect(() => {
+    if (syncValidationError) {
+      return;
+    }
+
+    const debounceTimer = setTimeout(() => {
+      validateMutation.mutate(parsedAmount, {
+        onSuccess: (result) => {
+          if (!result.valid) {
+            setValidationError(result.errors[0] || "Validation failed");
+          } else {
             setValidationError(null);
-        }
-    }, [parsedAmount]);
-
-    const handleWithdraw = async () => {
-        if (!isValidAmount || !complianceData) return;
-
-        try {
-            await submitMutation.mutateAsync({
-                amount: parsedAmount,
-                currency: 'USD',
-                destinationId: bankAccounts[0].id,
-            });
-            alert('Withdrawal submitted successfully!');
-            setAmount('');
-        } catch (error: any) {
-            alert(error.message || 'Withdrawal failed');
-        }
-    };
-
-    const formatCurrency = (amount: number) => {
-        return new Intl.NumberFormat("en-US", {
-            style: "currency",
-            currency: "USD",
-        }).format(amount);
-    };
-
-    const canWithdraw = isValidAmount &&
-        parsedAmount <= walletInfo.balance &&
-        !validationError &&
-        complianceData?.compliance.holdState === 'NONE' &&
-        !complianceData?.termsStatus.requiresAcceptance;
-
-    return (
-        <div className="space-y-6">
-            {complianceData && (
-                <>
-                    <HoldMessage
-                        holdState={complianceData.compliance.holdState}
-                        reason={complianceData.compliance.holdReason}
-                    />
-
-                    <TermsDialog
-                        open={showTermsDialog}
-                        onOpenChange={setShowTermsDialog}
-                        onAccepted={() => {
-                            setShowTermsDialog(false);
-                        }}
-                    />
-
-                    {complianceData.nextTier && (
-                        <TierUpgradeDialog
-                            open={showUpgradeDialog}
-                            onOpenChange={setShowUpgradeDialog}
-                            currentTier={complianceData.compliance.currentTier}
-                            targetTier={complianceData.nextTier}
-                        />
-                    )}
-                </>
-            )}
+          }
+        },
+      });
+    }, 500);
 
-            <div className="grid gap-6 md:grid-cols-2">
-                <div className="space-y-4">
-                    <h3 className="font-semibold text-lg">Off-Ramp to Fiat</h3>
-                    <p className="text-sm text-muted-foreground">
-                        Withdraw your crypto earnings directly to your bank account via our secure payment partners.
-                    </p>
-
-                    <div className="space-y-4">
-                        <div className="space-y-2">
-                            <Label htmlFor="amount">Withdrawal Amount</Label>
-                            <div className="relative">
-                                <span className="absolute left-3 top-1/2 -translate-y-1/2 text-muted-foreground font-medium">$</span>
-                                <Input
-                                    id="amount"
-                                    type="number"
-                                    placeholder="0.00"
-                                    className="pl-7 bg-muted/30 h-12 text-lg font-semibold"
-                                    value={amount}
-                                    onChange={(e) => setAmount(e.target.value)}
-                                />
-                                <Button
-                                    variant="link"
-                                    className="absolute right-2 top-1/2 -translate-y-1/2 text-xs h-auto p-0 px-2"
-                                    onClick={() => setAmount(walletInfo.balance.toString())}
-                                >
-                                    MAX
-                                </Button>
-                            </div>
-                            <div className="flex justify-between text-[11px] text-muted-foreground">
-                                <span>Balance: {formatCurrency(walletInfo.balance)}</span>
-                                <span>Min: $10.00</span>
-                            </div>
-                            {validationError && (
-                                <Alert variant="destructive" className="py-2">
-                                    <AlertCircle className="h-4 w-4" />
-                                    <AlertDescription className="text-xs">{validationError}</AlertDescription>
-                                </Alert>
-                            )}
-                        </div>
+    return () => clearTimeout(debounceTimer);
+  }, [syncValidationError, validateMutation, parsedAmount]);
 
-                        <div className="space-y-2">
-                            <Label>Select Destination</Label>
-                            <div className="space-y-2">
-                                {bankAccounts.map((account) => (
-                                    <div key={account.id} className="flex items-center justify-between p-3 rounded-xl border border-primary bg-primary/5 cursor-pointer">
-                                        <div className="flex items-center gap-3">
-                                            <div className="p-2 rounded-full bg-primary/10">
-                                                <Building className="h-4 w-4 text-primary" />
-                                            </div>
-                                            <div>
-                                                <div className="text-sm font-medium">{account.name}</div>
-                                                <div className="text-xs text-muted-foreground">Ending in {account.last4}</div>
-                                            </div>
-                                        </div>
-                                        {account.isPrimary && <Badge className="text-[10px] h-5">Primary</Badge>}
-                                    </div>
-                                ))}
-                                <Button variant="outline" className="w-full border-dashed border-2 py-6 text-sm flex gap-2">
-                                    <Plus className="h-4 w-4" />
-                                    Add New Bank Account
-                                </Button>
-                            </div>
-                        </div>
+  const handleWithdraw = async () => {
+    if (!isValidAmount || !complianceData) return;
 
-                        <div className="rounded-xl bg-muted/30 p-4 space-y-2 text-sm text-muted-foreground">
-                            <div className="flex justify-between">
-                                <span>Exchange Rate (Est)</span>
-                                <span className="text-foreground">1 USDC = $1.00 USD</span>
-                            </div>
-                            <div className="flex justify-between">
-                                <span>Processing Fee</span>
-                                <span className="text-foreground">$2.50</span>
-                            </div>
-                            <Separator className="my-2" />
-                            <div className="flex justify-between font-semibold text-foreground">
-                                <span>You&apos;ll Receive</span>
-                                <span>{formatCurrency(Math.max(0, (parsedAmount || 0) - 2.50))}</span>
-                            </div>
-                        </div>
+    try {
+      await submitMutation.mutateAsync({
+        amount: parsedAmount,
+        currency: "USD",
+        destinationId: bankAccounts[0].id,
+      });
+      alert("Withdrawal submitted successfully!");
+      setAmount("");
+    } catch (error) {
+      alert((error as Error).message || "Withdrawal failed");
+    }
+  };
 
-                        {complianceData?.termsStatus.requiresAcceptance && (
-                            <Button
-                                className="w-full h-12 text-md font-semibold"
-                                variant="secondary"
-                                onClick={() => setShowTermsDialog(true)}
-                            >
-                                Accept Terms & Conditions
-                            </Button>
-                        )}
-
-                        <Button
-                            className="w-full h-12 text-md font-semibold"
-                            disabled={!canWithdraw || submitMutation.isPending}
-                            onClick={handleWithdraw}
-                        >
-                            {submitMutation.isPending ? 'Processing...' : 'Complete Withdrawal'}
-                            <ArrowRight className="ml-2 h-4 w-4" />
-                        </Button>
-                    </div>
-                </div>
+  const formatCurrency = (amount: number) => {
+    return new Intl.NumberFormat("en-US", {
+      style: "currency",
+      currency: "USD",
+    }).format(amount);
+  };
 
-                <div className="space-y-4">
-                    <div className="rounded-xl border border-border p-6 bg-card space-y-4 shadow-sm">
-                        <div className="flex items-center gap-2">
-                            <History className="h-5 w-5 text-primary-foreground dark:text-primary" />
-                            <h4 className="font-semibold text-sm uppercase tracking-wider">Withdrawal History</h4>
-                        </div>
+  const canWithdraw =
+    isValidAmount &&
+    parsedAmount <= walletInfo.balance &&
+    !validationError &&
+    !syncValidationError &&
+    complianceData?.compliance.holdState === "NONE" &&
+    !complianceData?.termsStatus.requiresAcceptance;
 
-                        <div className="space-y-3">
-                            {/* Empty state or items */}
-                            <div className="flex flex-col items-center justify-center py-8 text-center space-y-2">
-                                <History className="h-8 w-8 text-muted-foreground/30" />
-                                <p className="text-sm font-medium">No recent withdrawals</p>
-                                <p className="text-xs text-muted-foreground">Your payout history will appear here.</p>
-                            </div>
-                        </div>
+  return (
+    <div className="space-y-6">
+      {complianceData && (
+        <>
+          <HoldMessage
+            holdState={complianceData.compliance.holdState}
+            reason={complianceData.compliance.holdReason}
+          />
+
+          <TermsDialog
+            open={showTermsDialog}
+            onOpenChange={setShowTermsDialog}
+            onAccepted={() => {
+              setShowTermsDialog(false);
+            }}
+          />
 
-                        <Separator />
+          {complianceData.nextTier && (
+            <TierUpgradeDialog
+              open={showUpgradeDialog}
+              onOpenChange={setShowUpgradeDialog}
+              currentTier={complianceData.compliance.currentTier}
+              targetTier={complianceData.nextTier}
+            />
+          )}
+        </>
+      )}
 
-                        <div className="space-y-4">
-                            <div className="flex items-center gap-2">
-                                <Info className="h-4 w-4 text-muted-foreground" />
-                                <h4 className="text-xs font-semibold uppercase tracking-wider text-muted-foreground">Limits & Settings</h4>
-                            </div>
-                            <LimitsDisplay onUpgradeClick={() => setShowUpgradeDialog(true)} />
+      <div className="grid gap-6 md:grid-cols-2">
+        <div className="space-y-4">
+          <h3 className="font-semibold text-lg">Off-Ramp to Fiat</h3>
+          <p className="text-sm text-muted-foreground">
+            Withdraw your crypto earnings directly to your bank account via our
+            secure payment partners.
+          </p>
+
+          <div className="space-y-4">
+            <div className="space-y-2">
+              <Label htmlFor="amount">Withdrawal Amount</Label>
+              <div className="relative">
+                <span className="absolute left-3 top-1/2 -translate-y-1/2 text-muted-foreground font-medium">
+                  $
+                </span>
+                <Input
+                  id="amount"
+                  type="number"
+                  placeholder="0.00"
+                  className="pl-7 bg-muted/30 h-12 text-lg font-semibold"
+                  value={amount}
+                  onChange={(e) => setAmount(e.target.value)}
+                />
+                <Button
+                  variant="link"
+                  className="absolute right-2 top-1/2 -translate-y-1/2 text-xs h-auto p-0 px-2"
+                  onClick={() => setAmount(walletInfo.balance.toString())}
+                >
+                  MAX
+                </Button>
+              </div>
+              <div className="flex justify-between text-[11px] text-muted-foreground">
+                <span>Balance: {formatCurrency(walletInfo.balance)}</span>
+                <span>Min: $10.00</span>
+              </div>
+              {(validationError || syncValidationError) && (
+                <Alert variant="destructive" className="py-2">
+                  <AlertCircle className="h-4 w-4" />
+                  <AlertDescription className="text-xs">
+                    {validationError || syncValidationError}
+                  </AlertDescription>
+                </Alert>
+              )}
+            </div>
+
+            <div className="space-y-2">
+              <Label>Select Destination</Label>
+              <div className="space-y-2">
+                {bankAccounts.map((account) => (
+                  <div
+                    key={account.id}
+                    className="flex items-center justify-between p-3 rounded-xl border border-primary bg-primary/5 cursor-pointer"
+                  >
+                    <div className="flex items-center gap-3">
+                      <div className="p-2 rounded-full bg-primary/10">
+                        <Building className="h-4 w-4 text-primary" />
+                      </div>
+                      <div>
+                        <div className="text-sm font-medium">
+                          {account.name}
+                        </div>
+                        <div className="text-xs text-muted-foreground">
+                          Ending in {account.last4}
                         </div>
+                      </div>
                     </div>
-                </div>
+                    {account.isPrimary && (
+                      <Badge className="text-[10px] h-5">Primary</Badge>
+                    )}
+                  </div>
+                ))}
+                <Button
+                  variant="outline"
+                  className="w-full border-dashed border-2 py-6 text-sm flex gap-2"
+                >
+                  <Plus className="h-4 w-4" />
+                  Add New Bank Account
+                </Button>
+              </div>
+            </div>
+
+            <div className="rounded-xl bg-muted/30 p-4 space-y-2 text-sm text-muted-foreground">
+              <div className="flex justify-between">
+                <span>Exchange Rate (Est)</span>
+                <span className="text-foreground">1 USDC = $1.00 USD</span>
+              </div>
+              <div className="flex justify-between">
+                <span>Processing Fee</span>
+                <span className="text-foreground">$2.50</span>
+              </div>
+              <Separator className="my-2" />
+              <div className="flex justify-between font-semibold text-foreground">
+                <span>You&apos;ll Receive</span>
+                <span>
+                  {formatCurrency(Math.max(0, (parsedAmount || 0) - 2.5))}
+                </span>
+              </div>
+            </div>
+
+            {complianceData?.termsStatus.requiresAcceptance && (
+              <Button
+                className="w-full h-12 text-md font-semibold"
+                variant="secondary"
+                onClick={() => setShowTermsDialog(true)}
+              >
+                Accept Terms & Conditions
+              </Button>
+            )}
+
+            <Button
+              className="w-full h-12 text-md font-semibold"
+              disabled={!canWithdraw || submitMutation.isPending}
+              onClick={handleWithdraw}
+            >
+              {submitMutation.isPending
+                ? "Processing..."
+                : "Complete Withdrawal"}
+              <ArrowRight className="ml-2 h-4 w-4" />
+            </Button>
+          </div>
+        </div>
+
+        <div className="space-y-4">
+          <div className="rounded-xl border border-border p-6 bg-card space-y-4 shadow-sm">
+            <div className="flex items-center gap-2">
+              <History className="h-5 w-5 text-primary-foreground dark:text-primary" />
+              <h4 className="font-semibold text-sm uppercase tracking-wider">
+                Withdrawal History
+              </h4>
+            </div>
+
+            <div className="space-y-3">
+              {/* Empty state or items */}
+              <div className="flex flex-col items-center justify-center py-8 text-center space-y-2">
+                <History className="h-8 w-8 text-muted-foreground/30" />
+                <p className="text-sm font-medium">No recent withdrawals</p>
+                <p className="text-xs text-muted-foreground">
+                  Your payout history will appear here.
+                </p>
+              </div>
+            </div>
+
+            <Separator />
+
+            <div className="space-y-4">
+              <div className="flex items-center gap-2">
+                <Info className="h-4 w-4 text-muted-foreground" />
+                <h4 className="text-xs font-semibold uppercase tracking-wider text-muted-foreground">
+                  Limits & Settings
+                </h4>
+              </div>
+              <LimitsDisplay
+                onUpgradeClick={() => setShowUpgradeDialog(true)}
+              />
             </div>
+          </div>
         </div>
-    );
+      </div>
+    </div>
+  );
 }
diff --git a/lib/services/appeal.ts b/lib/services/appeal.ts
index 272bd49..3bb465e 100644
--- a/lib/services/appeal.ts
+++ b/lib/services/appeal.ts
@@ -1,44 +1,50 @@
-import { VerificationAppeal, AppealStatus } from "@/types/compliance";
+import { VerificationAppeal } from "@/types/compliance";
 import { EmailService } from "./email";
 
 const MOCK_APPEALS: Record<string, VerificationAppeal> = {};
 
 export class AppealService {
-    static async submitAppeal(
-        userId: string,
-        verificationRequestId: string,
-        reason: string,
-        additionalInfo?: string
-    ): Promise<VerificationAppeal> {
-        const appealId = `appeal-${userId}-${Date.now()}`;
-        const appeal: VerificationAppeal = {
-            id: appealId,
-            userId,
-            verificationRequestId,
-            reason,
-            additionalInfo,
-            status: 'PENDING',
-            submittedAt: new Date().toISOString(),
-        };
-
-        MOCK_APPEALS[appealId] = appeal;
-
-        const userEmail = `user-${userId}@example.com`;
-        await EmailService.sendAppealConfirmation(userEmail, appealId);
-
-        return { ...appeal };
-    }
-
-    static async getAppeal(verificationRequestId: string): Promise<VerificationAppeal | null> {
-        const appeal = Object.values(MOCK_APPEALS)
-            .find(a => a.verificationRequestId === verificationRequestId);
-
-        return appeal ? { ...appeal } : null;
-    }
-
-    static async getUserAppeals(userId: string): Promise<VerificationAppeal[]> {
-        return Object.values(MOCK_APPEALS)
-            .filter(a => a.userId === userId)
-            .sort((a, b) => new Date(b.submittedAt).getTime() - new Date(a.submittedAt).getTime());
-    }
+  static async submitAppeal(
+    userId: string,
+    verificationRequestId: string,
+    reason: string,
+    additionalInfo?: string,
+  ): Promise<VerificationAppeal> {
+    const appealId = `appeal-${userId}-${Date.now()}`;
+    const appeal: VerificationAppeal = {
+      id: appealId,
+      userId,
+      verificationRequestId,
+      reason,
+      additionalInfo,
+      status: "PENDING",
+      submittedAt: new Date().toISOString(),
+    };
+
+    MOCK_APPEALS[appealId] = appeal;
+
+    const userEmail = `user-${userId}@example.com`;
+    await EmailService.sendAppealConfirmation(userEmail, appealId);
+
+    return { ...appeal };
+  }
+
+  static async getAppeal(
+    verificationRequestId: string,
+  ): Promise<VerificationAppeal | null> {
+    const appeal = Object.values(MOCK_APPEALS).find(
+      (a) => a.verificationRequestId === verificationRequestId,
+    );
+
+    return appeal ? { ...appeal } : null;
+  }
+
+  static async getUserAppeals(userId: string): Promise<VerificationAppeal[]> {
+    return Object.values(MOCK_APPEALS)
+      .filter((a) => a.userId === userId)
+      .sort(
+        (a, b) =>
+          new Date(b.submittedAt).getTime() - new Date(a.submittedAt).getTime(),
+      );
+  }
 }
diff --git a/lib/services/compliance.ts b/lib/services/compliance.ts
index 07437bd..f913b3a 100644
--- a/lib/services/compliance.ts
+++ b/lib/services/compliance.ts
@@ -1,350 +1,362 @@
 import {
-    UserCompliance,
-    KYCTier,
-    KYCTierConfig,
-    WithdrawalLimits,
-    WithdrawalUsage,
-    RemainingLimits,
-    ComplianceHoldState,
-    VerificationStatus,
+  UserCompliance,
+  KYCTier,
+  KYCTierConfig,
+  RemainingLimits,
+  ComplianceHoldState,
+  VerificationStatus,
 } from "@/types/compliance";
 
 // Mock Data Store (In-memory for prototype)
 const MOCK_COMPLIANCE_DB: Record<string, UserCompliance> = {};
 
 export class ComplianceService {
-    // KYC Tier Configuration
-    static readonly TIER_CONFIGS: Record<KYCTier, KYCTierConfig> = {
-        UNVERIFIED: {
-            tier: 'UNVERIFIED',
-            description: 'Basic account access with limited withdrawal capabilities',
-            limits: {
-                daily: 100,
-                weekly: 300,
-                monthly: 500,
-                perTransaction: 50,
-            },
-            requirements: [
-                'Email verification required',
-                'No additional documentation needed',
-            ],
-            processingTime: 'Instant',
-        },
-        BASIC: {
-            tier: 'BASIC',
-            description: 'Standard account with moderate withdrawal limits',
-            limits: {
-                daily: 1000,
-                weekly: 5000,
-                monthly: 15000,
-                perTransaction: 500,
-            },
-            requirements: [
-                'Email verification',
-                'Phone number verification',
-                'Basic personal information (name, date of birth)',
-            ],
-            processingTime: '1-2 business days',
-        },
-        VERIFIED: {
-            tier: 'VERIFIED',
-            description: 'Verified account with higher withdrawal limits',
-            limits: {
-                daily: 5000,
-                weekly: 25000,
-                monthly: 75000,
-                perTransaction: 2500,
-            },
-            requirements: [
-                'All BASIC requirements',
-                'Government-issued ID (passport, driver\'s license)',
-                'Proof of address (utility bill, bank statement)',
-            ],
-            processingTime: '2-5 business days',
-        },
-        ENHANCED: {
-            tier: 'ENHANCED',
-            description: 'Premium account with maximum withdrawal limits',
-            limits: {
-                daily: 25000,
-                weekly: 100000,
-                monthly: 300000,
-                perTransaction: 10000,
-            },
-            requirements: [
-                'All VERIFIED requirements',
-                'Enhanced identity verification',
-                'Video verification call',
-                'Source of funds documentation',
-            ],
-            processingTime: '5-10 business days',
-        },
-    };
-
-    /**
-     * Get user's current compliance status
-     */
-    static async getUserCompliance(userId: string): Promise<UserCompliance> {
-        await this.simulateDelay();
-
-        // Return existing or create new
-        if (!MOCK_COMPLIANCE_DB[userId]) {
-            MOCK_COMPLIANCE_DB[userId] = this.createDefaultCompliance(userId);
-        }
-
-        return { ...MOCK_COMPLIANCE_DB[userId] };
-    }
-
-    /**
-     * Create default compliance record for new user
-     */
-    private static createDefaultCompliance(userId: string): UserCompliance {
-        const now = new Date().toISOString();
-        const tier: KYCTier = 'UNVERIFIED';
-
-        return {
-            userId,
-            currentTier: tier,
-            limits: { ...this.TIER_CONFIGS[tier].limits },
-            usage: {
-                dailyUsed: 0,
-                weeklyUsed: 0,
-                monthlyUsed: 0,
-                lifetimeTotal: 0,
-                lastResetDaily: now,
-                lastResetWeekly: now,
-                lastResetMonthly: now,
-            },
-            holdState: 'NONE',
-            verificationStatus: 'NOT_STARTED',
-            restrictedJurisdiction: false,
-            createdAt: now,
-            updatedAt: now,
-        };
-    }
-
-    /**
-     * Calculate remaining withdrawal amounts with rolling windows
-     */
-    static async getRemainingLimits(userId: string): Promise<RemainingLimits> {
-        const compliance = await this.getUserCompliance(userId);
-
-        // Reset usage if windows have passed
-        await this.resetExpiredWindows(userId, compliance);
-
-        const { limits, usage } = compliance;
-
-        const dailyRemaining = Math.max(0, limits.daily - usage.dailyUsed);
-        const weeklyRemaining = Math.max(0, limits.weekly - usage.weeklyUsed);
-        const monthlyRemaining = Math.max(0, limits.monthly - usage.monthlyUsed);
-
-        return {
-            daily: dailyRemaining,
-            weekly: weeklyRemaining,
-            monthly: monthlyRemaining,
-            percentUsed: {
-                daily: limits.daily > 0 ? Math.min(100, (usage.dailyUsed / limits.daily) * 100) : 0,
-                weekly: limits.weekly > 0 ? Math.min(100, (usage.weeklyUsed / limits.weekly) * 100) : 0,
-                monthly: limits.monthly > 0 ? Math.min(100, (usage.monthlyUsed / limits.monthly) * 100) : 0,
-            },
-        };
-    }
-
-    /**
-     * Reset usage for expired rolling windows
-     */
-    private static async resetExpiredWindows(
-        userId: string,
-        compliance: UserCompliance
-    ): Promise<void> {
-        const now = new Date();
-        const { usage } = compliance;
-        let updated = false;
-
-        // Daily reset (24 hours)
-        const lastDaily = new Date(usage.lastResetDaily);
-        if (now.getTime() - lastDaily.getTime() >= 24 * 60 * 60 * 1000) {
-            compliance.usage.dailyUsed = 0;
-            compliance.usage.lastResetDaily = now.toISOString();
-            updated = true;
-        }
-
-        // Weekly reset (7 days)
-        const lastWeekly = new Date(usage.lastResetWeekly);
-        if (now.getTime() - lastWeekly.getTime() >= 7 * 24 * 60 * 60 * 1000) {
-            compliance.usage.weeklyUsed = 0;
-            compliance.usage.lastResetWeekly = now.toISOString();
-            updated = true;
-        }
-
-        // Monthly reset (30 days)
-        const lastMonthly = new Date(usage.lastResetMonthly);
-        if (now.getTime() - lastMonthly.getTime() >= 30 * 24 * 60 * 60 * 1000) {
-            compliance.usage.monthlyUsed = 0;
-            compliance.usage.lastResetMonthly = now.toISOString();
-            updated = true;
-        }
-
-        if (updated) {
-            compliance.updatedAt = now.toISOString();
-            MOCK_COMPLIANCE_DB[userId] = compliance;
-        }
-    }
-
-    /**
-     * Check if withdrawal would exceed any limits
-     */
-    static async validateWithdrawalAmount(
-        userId: string,
-        amount: number
-    ): Promise<{ valid: boolean; exceededLimit?: 'daily' | 'weekly' | 'monthly' | 'perTransaction' }> {
-        const compliance = await this.getUserCompliance(userId);
-        await this.resetExpiredWindows(userId, compliance);
-
-        const { limits, usage } = compliance;
-
-        // Check per-transaction limit
-        if (amount > limits.perTransaction) {
-            return { valid: false, exceededLimit: 'perTransaction' };
-        }
-
-        // Check daily limit
-        if (usage.dailyUsed + amount > limits.daily) {
-            return { valid: false, exceededLimit: 'daily' };
-        }
-
-        // Check weekly limit
-        if (usage.weeklyUsed + amount > limits.weekly) {
-            return { valid: false, exceededLimit: 'weekly' };
-        }
-
-        // Check monthly limit
-        if (usage.monthlyUsed + amount > limits.monthly) {
-            return { valid: false, exceededLimit: 'monthly' };
-        }
-
-        return { valid: true };
+  // KYC Tier Configuration
+  static readonly TIER_CONFIGS: Record<KYCTier, KYCTierConfig> = {
+    UNVERIFIED: {
+      tier: "UNVERIFIED",
+      description: "Basic account access with limited withdrawal capabilities",
+      limits: {
+        daily: 100,
+        weekly: 300,
+        monthly: 500,
+        perTransaction: 50,
+      },
+      requirements: [
+        "Email verification required",
+        "No additional documentation needed",
+      ],
+      processingTime: "Instant",
+    },
+    BASIC: {
+      tier: "BASIC",
+      description: "Standard account with moderate withdrawal limits",
+      limits: {
+        daily: 1000,
+        weekly: 5000,
+        monthly: 15000,
+        perTransaction: 500,
+      },
+      requirements: [
+        "Email verification",
+        "Phone number verification",
+        "Basic personal information (name, date of birth)",
+      ],
+      processingTime: "1-2 business days",
+    },
+    VERIFIED: {
+      tier: "VERIFIED",
+      description: "Verified account with higher withdrawal limits",
+      limits: {
+        daily: 5000,
+        weekly: 25000,
+        monthly: 75000,
+        perTransaction: 2500,
+      },
+      requirements: [
+        "All BASIC requirements",
+        "Government-issued ID (passport, driver's license)",
+        "Proof of address (utility bill, bank statement)",
+      ],
+      processingTime: "2-5 business days",
+    },
+    ENHANCED: {
+      tier: "ENHANCED",
+      description: "Premium account with maximum withdrawal limits",
+      limits: {
+        daily: 25000,
+        weekly: 100000,
+        monthly: 300000,
+        perTransaction: 10000,
+      },
+      requirements: [
+        "All VERIFIED requirements",
+        "Enhanced identity verification",
+        "Video verification call",
+        "Source of funds documentation",
+      ],
+      processingTime: "5-10 business days",
+    },
+  };
+
+  /**
+   * Get user's current compliance status
+   */
+  static async getUserCompliance(userId: string): Promise<UserCompliance> {
+    await this.simulateDelay();
+
+    // Return existing or create new
+    if (!MOCK_COMPLIANCE_DB[userId]) {
+      MOCK_COMPLIANCE_DB[userId] = this.createDefaultCompliance(userId);
     }
 
-    /**
-     * Track withdrawal usage (call after successful withdrawal)
-     */
-    static async trackWithdrawal(userId: string, amount: number): Promise<void> {
-        const compliance = await this.getUserCompliance(userId);
-
-        compliance.usage.dailyUsed += amount;
-        compliance.usage.weeklyUsed += amount;
-        compliance.usage.monthlyUsed += amount;
-        compliance.usage.lifetimeTotal += amount;
-        compliance.updatedAt = new Date().toISOString();
-
-        MOCK_COMPLIANCE_DB[userId] = compliance;
+    return { ...MOCK_COMPLIANCE_DB[userId] };
+  }
+
+  /**
+   * Create default compliance record for new user
+   */
+  private static createDefaultCompliance(userId: string): UserCompliance {
+    const now = new Date().toISOString();
+    const tier: KYCTier = "UNVERIFIED";
+
+    return {
+      userId,
+      currentTier: tier,
+      limits: { ...this.TIER_CONFIGS[tier].limits },
+      usage: {
+        dailyUsed: 0,
+        weeklyUsed: 0,
+        monthlyUsed: 0,
+        lifetimeTotal: 0,
+        lastResetDaily: now,
+        lastResetWeekly: now,
+        lastResetMonthly: now,
+      },
+      holdState: "NONE",
+      verificationStatus: "NOT_STARTED",
+      restrictedJurisdiction: false,
+      createdAt: now,
+      updatedAt: now,
+    };
+  }
+
+  /**
+   * Calculate remaining withdrawal amounts with rolling windows
+   */
+  static async getRemainingLimits(userId: string): Promise<RemainingLimits> {
+    const compliance = await this.getUserCompliance(userId);
+
+    // Reset usage if windows have passed
+    await this.resetExpiredWindows(userId, compliance);
+
+    const { limits, usage } = compliance;
+
+    const dailyRemaining = Math.max(0, limits.daily - usage.dailyUsed);
+    const weeklyRemaining = Math.max(0, limits.weekly - usage.weeklyUsed);
+    const monthlyRemaining = Math.max(0, limits.monthly - usage.monthlyUsed);
+
+    return {
+      daily: dailyRemaining,
+      weekly: weeklyRemaining,
+      monthly: monthlyRemaining,
+      percentUsed: {
+        daily:
+          limits.daily > 0
+            ? Math.min(100, (usage.dailyUsed / limits.daily) * 100)
+            : 0,
+        weekly:
+          limits.weekly > 0
+            ? Math.min(100, (usage.weeklyUsed / limits.weekly) * 100)
+            : 0,
+        monthly:
+          limits.monthly > 0
+            ? Math.min(100, (usage.monthlyUsed / limits.monthly) * 100)
+            : 0,
+      },
+    };
+  }
+
+  /**
+   * Reset usage for expired rolling windows
+   */
+  private static async resetExpiredWindows(
+    userId: string,
+    compliance: UserCompliance,
+  ): Promise<void> {
+    const now = new Date();
+    const { usage } = compliance;
+    let updated = false;
+
+    // Daily reset (24 hours)
+    const lastDaily = new Date(usage.lastResetDaily);
+    if (now.getTime() - lastDaily.getTime() >= 24 * 60 * 60 * 1000) {
+      compliance.usage.dailyUsed = 0;
+      compliance.usage.lastResetDaily = now.toISOString();
+      updated = true;
     }
 
-    /**
-     * Upgrade user tier after verification approval
-     */
-    static async upgradeTier(userId: string, newTier: KYCTier): Promise<boolean> {
-        const compliance = await this.getUserCompliance(userId);
-
-        // Update tier and limits
-        compliance.currentTier = newTier;
-        compliance.limits = { ...this.TIER_CONFIGS[newTier].limits };
-        compliance.verificationStatus = 'APPROVED';
-        compliance.updatedAt = new Date().toISOString();
-
-        MOCK_COMPLIANCE_DB[userId] = compliance;
-        return true;
+    // Weekly reset (7 days)
+    const lastWeekly = new Date(usage.lastResetWeekly);
+    if (now.getTime() - lastWeekly.getTime() >= 7 * 24 * 60 * 60 * 1000) {
+      compliance.usage.weeklyUsed = 0;
+      compliance.usage.lastResetWeekly = now.toISOString();
+      updated = true;
     }
 
-    /**
-     * Set hold state on user account
-     */
-    static async setHoldState(
-        userId: string,
-        state: ComplianceHoldState,
-        reason?: string
-    ): Promise<void> {
-        const compliance = await this.getUserCompliance(userId);
-
-        compliance.holdState = state;
-        compliance.holdReason = reason;
-        compliance.updatedAt = new Date().toISOString();
-
-        MOCK_COMPLIANCE_DB[userId] = compliance;
+    // Monthly reset (30 days)
+    const lastMonthly = new Date(usage.lastResetMonthly);
+    if (now.getTime() - lastMonthly.getTime() >= 30 * 24 * 60 * 60 * 1000) {
+      compliance.usage.monthlyUsed = 0;
+      compliance.usage.lastResetMonthly = now.toISOString();
+      updated = true;
     }
 
-    /**
-     * Update verification status
-     */
-    static async updateVerificationStatus(
-        userId: string,
-        status: VerificationStatus
-    ): Promise<void> {
-        const compliance = await this.getUserCompliance(userId);
-
-        compliance.verificationStatus = status;
-        compliance.updatedAt = new Date().toISOString();
-
-        MOCK_COMPLIANCE_DB[userId] = compliance;
+    if (updated) {
+      compliance.updatedAt = now.toISOString();
+      MOCK_COMPLIANCE_DB[userId] = compliance;
     }
-
-    /**
-     * Mark user as restricted jurisdiction
-     */
-    static async setJurisdictionRestriction(
-        userId: string,
-        restricted: boolean,
-        jurisdictionCode?: string
-    ): Promise<void> {
-        const compliance = await this.getUserCompliance(userId);
-
-        compliance.restrictedJurisdiction = restricted;
-        compliance.jurisdictionCode = jurisdictionCode;
-        compliance.updatedAt = new Date().toISOString();
-
-        MOCK_COMPLIANCE_DB[userId] = compliance;
+  }
+
+  /**
+   * Check if withdrawal would exceed any limits
+   */
+  static async validateWithdrawalAmount(
+    userId: string,
+    amount: number,
+  ): Promise<{
+    valid: boolean;
+    exceededLimit?: "daily" | "weekly" | "monthly" | "perTransaction";
+  }> {
+    const compliance = await this.getUserCompliance(userId);
+    await this.resetExpiredWindows(userId, compliance);
+
+    const { limits, usage } = compliance;
+
+    // Check per-transaction limit
+    if (amount > limits.perTransaction) {
+      return { valid: false, exceededLimit: "perTransaction" };
     }
 
-    /**
-     * Get tier configuration
-     */
-    static getTierConfig(tier: KYCTier): KYCTierConfig {
-        return { ...this.TIER_CONFIGS[tier] };
+    // Check daily limit
+    if (usage.dailyUsed + amount > limits.daily) {
+      return { valid: false, exceededLimit: "daily" };
     }
 
-    /**
-     * Get all tier configurations
-     */
-    static getAllTierConfigs(): KYCTierConfig[] {
-        return Object.values(this.TIER_CONFIGS);
+    // Check weekly limit
+    if (usage.weeklyUsed + amount > limits.weekly) {
+      return { valid: false, exceededLimit: "weekly" };
     }
 
-    /**
-     * Get next tier
-     */
-    static getNextTier(currentTier: KYCTier): KYCTier | null {
-        const tiers: KYCTier[] = ['UNVERIFIED', 'BASIC', 'VERIFIED', 'ENHANCED'];
-        const currentIndex = tiers.indexOf(currentTier);
-
-        if (currentIndex === -1 || currentIndex === tiers.length - 1) {
-            return null;
-        }
-
-        return tiers[currentIndex + 1];
+    // Check monthly limit
+    if (usage.monthlyUsed + amount > limits.monthly) {
+      return { valid: false, exceededLimit: "monthly" };
     }
 
-    /**
-     * Simulate database delay
-     */
-    private static async simulateDelay(): Promise<void> {
-        await new Promise(resolve => setTimeout(resolve, 100));
+    return { valid: true };
+  }
+
+  /**
+   * Track withdrawal usage (call after successful withdrawal)
+   */
+  static async trackWithdrawal(userId: string, amount: number): Promise<void> {
+    const compliance = await this.getUserCompliance(userId);
+
+    compliance.usage.dailyUsed += amount;
+    compliance.usage.weeklyUsed += amount;
+    compliance.usage.monthlyUsed += amount;
+    compliance.usage.lifetimeTotal += amount;
+    compliance.updatedAt = new Date().toISOString();
+
+    MOCK_COMPLIANCE_DB[userId] = compliance;
+  }
+
+  /**
+   * Upgrade user tier after verification approval
+   */
+  static async upgradeTier(userId: string, newTier: KYCTier): Promise<boolean> {
+    const compliance = await this.getUserCompliance(userId);
+
+    // Update tier and limits
+    compliance.currentTier = newTier;
+    compliance.limits = { ...this.TIER_CONFIGS[newTier].limits };
+    compliance.verificationStatus = "APPROVED";
+    compliance.updatedAt = new Date().toISOString();
+
+    MOCK_COMPLIANCE_DB[userId] = compliance;
+    return true;
+  }
+
+  /**
+   * Set hold state on user account
+   */
+  static async setHoldState(
+    userId: string,
+    state: ComplianceHoldState,
+    reason?: string,
+  ): Promise<void> {
+    const compliance = await this.getUserCompliance(userId);
+
+    compliance.holdState = state;
+    compliance.holdReason = reason;
+    compliance.updatedAt = new Date().toISOString();
+
+    MOCK_COMPLIANCE_DB[userId] = compliance;
+  }
+
+  /**
+   * Update verification status
+   */
+  static async updateVerificationStatus(
+    userId: string,
+    status: VerificationStatus,
+  ): Promise<void> {
+    const compliance = await this.getUserCompliance(userId);
+
+    compliance.verificationStatus = status;
+    compliance.updatedAt = new Date().toISOString();
+
+    MOCK_COMPLIANCE_DB[userId] = compliance;
+  }
+
+  /**
+   * Mark user as restricted jurisdiction
+   */
+  static async setJurisdictionRestriction(
+    userId: string,
+    restricted: boolean,
+    jurisdictionCode?: string,
+  ): Promise<void> {
+    const compliance = await this.getUserCompliance(userId);
+
+    compliance.restrictedJurisdiction = restricted;
+    compliance.jurisdictionCode = jurisdictionCode;
+    compliance.updatedAt = new Date().toISOString();
+
+    MOCK_COMPLIANCE_DB[userId] = compliance;
+  }
+
+  /**
+   * Get tier configuration
+   */
+  static getTierConfig(tier: KYCTier): KYCTierConfig {
+    return { ...this.TIER_CONFIGS[tier] };
+  }
+
+  /**
+   * Get all tier configurations
+   */
+  static getAllTierConfigs(): KYCTierConfig[] {
+    return Object.values(this.TIER_CONFIGS);
+  }
+
+  /**
+   * Get next tier
+   */
+  static getNextTier(currentTier: KYCTier): KYCTier | null {
+    const tiers: KYCTier[] = ["UNVERIFIED", "BASIC", "VERIFIED", "ENHANCED"];
+    const currentIndex = tiers.indexOf(currentTier);
+
+    if (currentIndex === -1 || currentIndex === tiers.length - 1) {
+      return null;
     }
 
-    /**
-     * Clear all compliance data (for testing)
-     */
-    static clearAllData(): void {
-        Object.keys(MOCK_COMPLIANCE_DB).forEach(key => delete MOCK_COMPLIANCE_DB[key]);
-    }
+    return tiers[currentIndex + 1];
+  }
+
+  /**
+   * Simulate database delay
+   */
+  private static async simulateDelay(): Promise<void> {
+    await new Promise((resolve) => setTimeout(resolve, 100));
+  }
+
+  /**
+   * Clear all compliance data (for testing)
+   */
+  static clearAllData(): void {
+    Object.keys(MOCK_COMPLIANCE_DB).forEach(
+      (key) => delete MOCK_COMPLIANCE_DB[key],
+    );
+  }
 }
diff --git a/lib/services/geo-restriction.ts b/lib/services/geo-restriction.ts
index 19ecd01..47076c4 100644
--- a/lib/services/geo-restriction.ts
+++ b/lib/services/geo-restriction.ts
@@ -1,104 +1,144 @@
 import { RestrictedJurisdiction, UserLocation } from "@/types/geography";
 
 const RESTRICTED: RestrictedJurisdiction[] = [
-    { code: 'CU', name: 'Cuba', type: 'COUNTRY', reason: 'OFAC sanctions', effectiveDate: '2024-01-01' },
-    { code: 'IR', name: 'Iran', type: 'COUNTRY', reason: 'OFAC sanctions', effectiveDate: '2024-01-01' },
-    { code: 'KP', name: 'North Korea', type: 'COUNTRY', reason: 'OFAC sanctions', effectiveDate: '2024-01-01' },
-    { code: 'SY', name: 'Syria', type: 'COUNTRY', reason: 'OFAC sanctions', effectiveDate: '2024-01-01' },
-    { code: 'US-NY', name: 'New York', type: 'STATE', reason: 'BitLicense requirements', effectiveDate: '2024-01-01' },
-];
-
-const VPN_INDICATORS = [
-    'vpn', 'proxy', 'tor', 'relay', 'hosting', 'datacenter'
+  {
+    code: "CU",
+    name: "Cuba",
+    type: "COUNTRY",
+    reason: "OFAC sanctions",
+    effectiveDate: "2024-01-01",
+  },
+  {
+    code: "IR",
+    name: "Iran",
+    type: "COUNTRY",
+    reason: "OFAC sanctions",
+    effectiveDate: "2024-01-01",
+  },
+  {
+    code: "KP",
+    name: "North Korea",
+    type: "COUNTRY",
+    reason: "OFAC sanctions",
+    effectiveDate: "2024-01-01",
+  },
+  {
+    code: "SY",
+    name: "Syria",
+    type: "COUNTRY",
+    reason: "OFAC sanctions",
+    effectiveDate: "2024-01-01",
+  },
+  {
+    code: "US-NY",
+    name: "New York",
+    type: "STATE",
+    reason: "BitLicense requirements",
+    effectiveDate: "2024-01-01",
+  },
 ];
 
 export class GeoRestrictionService {
-    static async checkLocation(ip: string): Promise<UserLocation> {
-        // In production: call ipapi.co, MaxMind, or ip-api.com
-        // Example: const response = await fetch(`https://ipapi.co/${ip}/json/`)
-
-        const mockLocation: UserLocation = {
-            ip,
-            countryCode: 'US',
-            countryName: 'United States',
-            regionCode: 'CA',
-            regionName: 'California',
-            city: 'San Francisco',
-            isVPN: await this.detectVPN(ip),
-            isProxy: await this.detectProxy(ip),
-            isRestricted: false,
-        };
-
-        // Check country-level restrictions
-        const countryRestriction = RESTRICTED.find(r => r.code === mockLocation.countryCode && r.type === 'COUNTRY');
-        if (countryRestriction) {
-            mockLocation.isRestricted = true;
-            mockLocation.restrictionReason = countryRestriction.reason;
-        }
-
-        // Check state-level restrictions
-        if (mockLocation.countryCode === 'US' && mockLocation.regionCode) {
-            const stateCode = `US-${mockLocation.regionCode}`;
-            const stateRestriction = RESTRICTED.find(r => r.code === stateCode && r.type === 'STATE');
-            if (stateRestriction) {
-                mockLocation.isRestricted = true;
-                mockLocation.restrictionReason = stateRestriction.reason;
-            }
-        }
-
-        return mockLocation;
+  static async checkLocation(ip: string): Promise<UserLocation> {
+    // In production: call ipapi.co, MaxMind, or ip-api.com
+    // Example: const response = await fetch(`https://ipapi.co/${ip}/json/`)
+
+    const mockLocation: UserLocation = {
+      ip,
+      countryCode: "US",
+      countryName: "United States",
+      regionCode: "CA",
+      regionName: "California",
+      city: "San Francisco",
+      isVPN: await this.detectVPN(ip),
+      isProxy: await this.detectProxy(ip),
+      isRestricted: false,
+    };
+
+    // Check country-level restrictions
+    const countryRestriction = RESTRICTED.find(
+      (r) => r.code === mockLocation.countryCode && r.type === "COUNTRY",
+    );
+    if (countryRestriction) {
+      mockLocation.isRestricted = true;
+      mockLocation.restrictionReason = countryRestriction.reason;
     }
 
-    static async detectVPN(ip: string): Promise<boolean> {
-        // In production: use VPN detection API like:
-        // - IPHub: https://iphub.info/
-        // - IP2Proxy: https://www.ip2location.com/
-        // - VPNApi: https://vpnapi.io/
-
-        // Mock: check if IP is in common VPN ranges
-        const vpnRanges = ['10.', '172.16.', '192.168.'];
-        return vpnRanges.some(range => ip.startsWith(range));
+    // Check state-level restrictions
+    if (mockLocation.countryCode === "US" && mockLocation.regionCode) {
+      const stateCode = `US-${mockLocation.regionCode}`;
+      const stateRestriction = RESTRICTED.find(
+        (r) => r.code === stateCode && r.type === "STATE",
+      );
+      if (stateRestriction) {
+        mockLocation.isRestricted = true;
+        mockLocation.restrictionReason = stateRestriction.reason;
+      }
     }
 
-    static async detectProxy(ip: string): Promise<boolean> {
-        // In production: check proxy databases or use APIs
-        // For now, use similar logic as VPN detection
-        return false;
+    return mockLocation;
+  }
+
+  static async detectVPN(ip: string): Promise<boolean> {
+    // In production: use VPN detection API like:
+    // - IPHub: https://iphub.info/
+    // - IP2Proxy: https://www.ip2location.com/
+    // - VPNApi: https://vpnapi.io/
+
+    // Mock: check if IP is in common VPN ranges
+    const vpnRanges = ["10.", "172.16.", "192.168."];
+    return vpnRanges.some((range) => ip.startsWith(range));
+  }
+
+  // eslint-disable-next-line @typescript-eslint/no-unused-vars
+  static async detectProxy(_ip: string): Promise<boolean> {
+    // In production: check proxy databases or use APIs
+    // For now, use similar logic as VPN detection
+    return false;
+  }
+
+  static isRestricted(countryCode: string, regionCode?: string): boolean {
+    // Check country restriction
+    if (
+      RESTRICTED.some((r) => r.code === countryCode && r.type === "COUNTRY")
+    ) {
+      return true;
     }
 
-    static isRestricted(countryCode: string, regionCode?: string): boolean {
-        // Check country restriction
-        if (RESTRICTED.some(r => r.code === countryCode && r.type === 'COUNTRY')) {
-            return true;
-        }
-
-        // Check state restriction
-        if (regionCode) {
-            const stateCode = `${countryCode}-${regionCode}`;
-            return RESTRICTED.some(r => r.code === stateCode && r.type === 'STATE');
-        }
-
-        return false;
+    // Check state restriction
+    if (regionCode) {
+      const stateCode = `${countryCode}-${regionCode}`;
+      return RESTRICTED.some((r) => r.code === stateCode && r.type === "STATE");
     }
 
-    static getRestrictionReason(countryCode: string, regionCode?: string): string | null {
-        const countryRestriction = RESTRICTED.find(r => r.code === countryCode && r.type === 'COUNTRY');
-        if (countryRestriction) {
-            return countryRestriction.reason;
-        }
-
-        if (regionCode) {
-            const stateCode = `${countryCode}-${regionCode}`;
-            const stateRestriction = RESTRICTED.find(r => r.code === stateCode && r.type === 'STATE');
-            if (stateRestriction) {
-                return stateRestriction.reason;
-            }
-        }
-
-        return null;
+    return false;
+  }
+
+  static getRestrictionReason(
+    countryCode: string,
+    regionCode?: string,
+  ): string | null {
+    const countryRestriction = RESTRICTED.find(
+      (r) => r.code === countryCode && r.type === "COUNTRY",
+    );
+    if (countryRestriction) {
+      return countryRestriction.reason;
     }
 
-    static getRestrictedJurisdictions(): RestrictedJurisdiction[] {
-        return [...RESTRICTED];
+    if (regionCode) {
+      const stateCode = `${countryCode}-${regionCode}`;
+      const stateRestriction = RESTRICTED.find(
+        (r) => r.code === stateCode && r.type === "STATE",
+      );
+      if (stateRestriction) {
+        return stateRestriction.reason;
+      }
     }
+
+    return null;
+  }
+
+  static getRestrictedJurisdictions(): RestrictedJurisdiction[] {
+    return [...RESTRICTED];
+  }
 }
diff --git a/package-lock.json b/package-lock.json
index 55d5417..bd1fa4f 100644
--- a/package-lock.json
+++ b/package-lock.json
@@ -81,8 +81,11 @@
         "@types/react-dom": "^19.2.3",
         "eslint": "^9",
         "eslint-config-next": "16.1.1",
+        "husky": "^9.1.7",
         "jest": "^30.2.0",
         "jest-environment-jsdom": "^30.2.0",
+        "lint-staged": "^16.2.7",
+        "prettier": "^3.8.1",
         "tailwindcss": "^4",
         "ts-node": "^10.9.2",
         "tw-animate-css": "^1.4.0",
@@ -174,7 +177,7 @@
       "version": "3.2.0",
       "resolved": "https://registry.npmjs.org/@asamuzakjp/css-color/-/css-color-3.2.0.tgz",
       "integrity": "sha512-K1A6z8tS3XsmCMM86xoWdn7Fkdn9m6RSVtocUrJYIwZnFVkng/PvkEoWtOWmP+Scc6saYWHWZYbndEEXxl24jw==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "dependencies": {
         "@csstools/css-calc": "^2.1.3",
@@ -188,7 +191,7 @@
       "version": "10.4.3",
       "resolved": "https://registry.npmjs.org/lru-cache/-/lru-cache-10.4.3.tgz",
       "integrity": "sha512-JNAzZcXrCt42VGLuYz0zfAzDfAvJWW6AfYlDBQyDV5DClI2m5sAmK+OIO7s59XfsRsWHp02jAJrRadPRGTt6SQ==",
-      "devOptional": true,
+      "dev": true,
       "license": "ISC"
     },
     "node_modules/@babel/code-frame": {
@@ -1267,7 +1270,7 @@
       "version": "5.1.0",
       "resolved": "https://registry.npmjs.org/@csstools/color-helpers/-/color-helpers-5.1.0.tgz",
       "integrity": "sha512-S11EXWJyy0Mz5SYvRmY8nJYTFFd1LCNV+7cXyAgQtOOuzb4EsgfqDufL+9esx72/eLhsRdGZwaldu/h+E4t4BA==",
-      "devOptional": true,
+      "dev": true,
       "funding": [
         {
           "type": "github",
@@ -1287,7 +1290,7 @@
       "version": "2.1.4",
       "resolved": "https://registry.npmjs.org/@csstools/css-calc/-/css-calc-2.1.4.tgz",
       "integrity": "sha512-3N8oaj+0juUw/1H3YwmDDJXCgTB1gKU6Hc/bB502u9zR0q2vd786XJH9QfrKIEgFlZmhZiq6epXl4rHqhzsIgQ==",
-      "devOptional": true,
+      "dev": true,
       "funding": [
         {
           "type": "github",
@@ -1311,7 +1314,7 @@
       "version": "3.1.0",
       "resolved": "https://registry.npmjs.org/@csstools/css-color-parser/-/css-color-parser-3.1.0.tgz",
       "integrity": "sha512-nbtKwh3a6xNVIp/VRuXV64yTKnb1IjTAEEh3irzS+HkKjAOYLTGNb9pmVNntZ8iVBHcWDA2Dof0QtPgFI1BaTA==",
-      "devOptional": true,
+      "dev": true,
       "funding": [
         {
           "type": "github",
@@ -1339,7 +1342,7 @@
       "version": "3.0.5",
       "resolved": "https://registry.npmjs.org/@csstools/css-parser-algorithms/-/css-parser-algorithms-3.0.5.tgz",
       "integrity": "sha512-DaDeUkXZKjdGhgYaHNJTV9pV7Y9B3b644jCLs9Upc3VeNGg6LWARAT6O+Q+/COo+2gg/bM5rhpMAtf70WqfBdQ==",
-      "devOptional": true,
+      "dev": true,
       "funding": [
         {
           "type": "github",
@@ -1362,7 +1365,7 @@
       "version": "3.0.4",
       "resolved": "https://registry.npmjs.org/@csstools/css-tokenizer/-/css-tokenizer-3.0.4.tgz",
       "integrity": "sha512-Vd/9EVDiu6PPJt9yAh6roZP6El1xHrdvIVGjyBsHR0RYwNHgL7FJPyIIW4fANJNG6FtyZfvlRPpFI4ZM/lubvw==",
-      "devOptional": true,
+      "dev": true,
       "funding": [
         {
           "type": "github",
@@ -1468,6 +1471,7 @@
       "cpu": [
         "ppc64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1484,6 +1488,7 @@
       "cpu": [
         "arm"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1500,6 +1505,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1516,6 +1522,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1532,6 +1539,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1548,6 +1556,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1564,6 +1573,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1580,6 +1590,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1596,6 +1607,7 @@
       "cpu": [
         "arm"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1612,6 +1624,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1628,6 +1641,7 @@
       "cpu": [
         "ia32"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1644,6 +1658,7 @@
       "cpu": [
         "loong64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1660,6 +1675,7 @@
       "cpu": [
         "mips64el"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1676,6 +1692,7 @@
       "cpu": [
         "ppc64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1692,6 +1709,7 @@
       "cpu": [
         "riscv64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1708,6 +1726,7 @@
       "cpu": [
         "s390x"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1724,6 +1743,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1740,6 +1760,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1756,6 +1777,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1772,6 +1794,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1788,6 +1811,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1804,6 +1828,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1820,6 +1845,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1836,6 +1862,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1852,6 +1879,7 @@
       "cpu": [
         "ia32"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1868,6 +1896,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7123,6 +7152,7 @@
       "cpu": [
         "arm"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7136,6 +7166,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7149,6 +7180,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7162,6 +7194,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7175,6 +7208,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7188,6 +7222,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7201,6 +7236,7 @@
       "cpu": [
         "arm"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7214,6 +7250,7 @@
       "cpu": [
         "arm"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7227,6 +7264,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7240,6 +7278,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7253,6 +7292,7 @@
       "cpu": [
         "loong64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7266,6 +7306,7 @@
       "cpu": [
         "loong64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7279,6 +7320,7 @@
       "cpu": [
         "ppc64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7292,6 +7334,7 @@
       "cpu": [
         "ppc64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7305,6 +7348,7 @@
       "cpu": [
         "riscv64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7318,6 +7362,7 @@
       "cpu": [
         "riscv64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7331,6 +7376,7 @@
       "cpu": [
         "s390x"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7344,6 +7390,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7357,6 +7404,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7370,6 +7418,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7383,6 +7432,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7396,6 +7446,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7409,6 +7460,7 @@
       "cpu": [
         "ia32"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7422,6 +7474,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7435,6 +7488,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -8265,7 +8319,7 @@
       "version": "20.19.29",
       "resolved": "https://registry.npmjs.org/@types/node/-/node-20.19.29.tgz",
       "integrity": "sha512-YrT9ArrGaHForBaCNwFjoqJWmn8G1Pr7+BH/vwyLHciA9qT/wSiuOhxGCT50JA5xLvFBd6PIiGkE3afxcPE1nw==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "dependencies": {
         "undici-types": "~6.21.0"
@@ -9137,7 +9191,7 @@
       "version": "7.1.4",
       "resolved": "https://registry.npmjs.org/agent-base/-/agent-base-7.1.4.tgz",
       "integrity": "sha512-MnA+YT8fwfJPgBx3m60MNqakm30XOkyIoH1y6huTQvC0PwZG7ki8NacLBcrPbNoo8vEZy7Jpuk7+jMO+CUovTQ==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "engines": {
         "node": ">= 14"
@@ -10391,6 +10445,16 @@
         "url": "https://github.com/sponsors/wooorm"
       }
     },
+    "node_modules/commander": {
+      "version": "14.0.3",
+      "resolved": "https://registry.npmjs.org/commander/-/commander-14.0.3.tgz",
+      "integrity": "sha512-H+y0Jo/T1RZ9qPP4Eh1pkcQcLRglraJaSLoyOtHxu6AapkjWVCy2Sit1QQ4x3Dng8qDlSsZEet7g5Pq06MvTgw==",
+      "dev": true,
+      "license": "MIT",
+      "engines": {
+        "node": ">=20"
+      }
+    },
     "node_modules/common-tags": {
       "version": "1.8.2",
       "resolved": "https://registry.npmjs.org/common-tags/-/common-tags-1.8.2.tgz",
@@ -10516,7 +10580,7 @@
       "version": "4.6.0",
       "resolved": "https://registry.npmjs.org/cssstyle/-/cssstyle-4.6.0.tgz",
       "integrity": "sha512-2z+rWdzbbSZv6/rhtvzvqeZQHrBaqgogqt85sqFNbabZOuFbCVFb8kPeEtZjiKkbrm395irpNKiYeFeLiQnFPg==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "dependencies": {
         "@asamuzakjp/css-color": "^3.2.0",
@@ -10674,7 +10738,7 @@
       "version": "5.0.0",
       "resolved": "https://registry.npmjs.org/data-urls/-/data-urls-5.0.0.tgz",
       "integrity": "sha512-ZYP5VBHshaDAiVZxjbRVcFJpc+4xGgT0bK3vzy1HLN8jTO975HEbuYzZJcHoQEY5K1a0z8YayJkyVETa08eNTg==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "dependencies": {
         "whatwg-mimetype": "^4.0.0",
@@ -10805,7 +10869,7 @@
       "version": "10.6.0",
       "resolved": "https://registry.npmjs.org/decimal.js/-/decimal.js-10.6.0.tgz",
       "integrity": "sha512-YpgQiITW3JXGntzdUmyUR1V812Hn8T1YVXhCu+wO3OpS4eU9l4YdD3qjyiKdV6mvV29zapkMeD390UVEf2lkUg==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT"
     },
     "node_modules/decimal.js-light": {
@@ -11180,7 +11244,7 @@
       "version": "6.0.1",
       "resolved": "https://registry.npmjs.org/entities/-/entities-6.0.1.tgz",
       "integrity": "sha512-aN97NXWF6AWBTahfVOIrB/NShkzi5H7F9r1s9mD3cDj4Ko5f2qhhVoYMibXF7GlLveb/D2ioWay8lxI97Ven3g==",
-      "devOptional": true,
+      "dev": true,
       "license": "BSD-2-Clause",
       "engines": {
         "node": ">=0.12"
@@ -12317,6 +12381,7 @@
       "version": "2.3.3",
       "resolved": "https://registry.npmjs.org/fsevents/-/fsevents-2.3.3.tgz",
       "integrity": "sha512-5xoDfX+fL7faATnagmWPpbFtwh/R77WmMMqqHGS65C3vvB0YHrgF+B1YmZ3441tMj5n63k0212XNoJwzlhffQw==",
+      "dev": true,
       "hasInstallScript": true,
       "license": "MIT",
       "optional": true,
@@ -13157,7 +13222,7 @@
       "version": "4.0.0",
       "resolved": "https://registry.npmjs.org/html-encoding-sniffer/-/html-encoding-sniffer-4.0.0.tgz",
       "integrity": "sha512-Y22oTqIU4uuPgEemfz7NDJz6OeKf12Lsu+QC+s3BVpda64lTiMYCyGwg5ki4vFxkMwQdeZDl2adZoqUgdFuTgQ==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "dependencies": {
         "whatwg-encoding": "^3.1.1"
@@ -13187,7 +13252,7 @@
       "version": "7.0.2",
       "resolved": "https://registry.npmjs.org/http-proxy-agent/-/http-proxy-agent-7.0.2.tgz",
       "integrity": "sha512-T1gkAiYYDWYx3V5Bmyu7HcfcvL7mUrTWiM6yOfa3PIphViJ/gFPbvidQ+veqSOHci/PxBcDabeUNCzpOODJZig==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "dependencies": {
         "agent-base": "^7.1.0",
@@ -13201,7 +13266,7 @@
       "version": "7.0.6",
       "resolved": "https://registry.npmjs.org/https-proxy-agent/-/https-proxy-agent-7.0.6.tgz",
       "integrity": "sha512-vK9P5/iUfdl95AI+JVyUuIcVtd4ofvtrOr3HNtM2yxC9bnMbEdp3x01OhQNnjb8IJYi38VlTE3mBXwcfvywuSw==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "dependencies": {
         "agent-base": "^7.1.2",
@@ -13221,11 +13286,27 @@
         "node": ">=10.17.0"
       }
     },
+    "node_modules/husky": {
+      "version": "9.1.7",
+      "resolved": "https://registry.npmjs.org/husky/-/husky-9.1.7.tgz",
+      "integrity": "sha512-5gs5ytaNjBrh5Ow3zrvdUUY+0VxIuWVL4i9irt6friV+BqdCfmV11CQTWMiBYWHbXhco+J1kHfTOUkePhCDvMA==",
+      "dev": true,
+      "license": "MIT",
+      "bin": {
+        "husky": "bin.js"
+      },
+      "engines": {
+        "node": ">=18"
+      },
+      "funding": {
+        "url": "https://github.com/sponsors/typicode"
+      }
+    },
     "node_modules/iconv-lite": {
       "version": "0.6.3",
       "resolved": "https://registry.npmjs.org/iconv-lite/-/iconv-lite-0.6.3.tgz",
       "integrity": "sha512-4fCk79wshMdzMp2rH06qWrJE4iolqLhCUH+OiuIgU++RB0+94NlDL81atO7GX55uUKueo0txHNtvEyI6D7WdMw==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "dependencies": {
         "safer-buffer": ">= 2.1.2 < 3.0.0"
@@ -13764,7 +13845,7 @@
       "version": "1.0.1",
       "resolved": "https://registry.npmjs.org/is-potential-custom-element-name/-/is-potential-custom-element-name-1.0.1.tgz",
       "integrity": "sha512-bCYeRA2rVibKZd+s2625gGnGF/t7DSqDs4dP7CrLA1m7jKWz6pps0LpYLJN8Q64HtmPKJ1hrN3nzPNKFEKOUiQ==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT"
     },
     "node_modules/is-regex": {
@@ -15102,7 +15183,7 @@
       "version": "2.6.1",
       "resolved": "https://registry.npmjs.org/jiti/-/jiti-2.6.1.tgz",
       "integrity": "sha512-ekilCSN1jwRvIbgeg/57YFh8qQDNbwDb9xT/qu2DAHbFFZUicIl4ygVaAvzveMhMVr3LnpSKTNnwt8PoOfmKhQ==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "bin": {
         "jiti": "lib/jiti-cli.mjs"
@@ -15140,7 +15221,7 @@
       "version": "26.1.0",
       "resolved": "https://registry.npmjs.org/jsdom/-/jsdom-26.1.0.tgz",
       "integrity": "sha512-Cvc9WUhxSMEo4McES3P7oK3QaXldCfNWp7pl2NNeiIFlCoLr3kfq9kb1fxftiwk1FLV7CvpvDfonxtzUDeSOPg==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "dependencies": {
         "cssstyle": "^4.2.1",
@@ -15327,7 +15408,7 @@
       "version": "1.30.2",
       "resolved": "https://registry.npmjs.org/lightningcss/-/lightningcss-1.30.2.tgz",
       "integrity": "sha512-utfs7Pr5uJyyvDETitgsaqSyjCb2qNRAtuqUeWIAKztsOYdcACf2KtARYXg2pSvhkt+9NfoaNY7fxjl6nuMjIQ==",
-      "devOptional": true,
+      "dev": true,
       "license": "MPL-2.0",
       "dependencies": {
         "detect-libc": "^2.0.3"
@@ -15360,6 +15441,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MPL-2.0",
       "optional": true,
       "os": [
@@ -15380,6 +15462,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MPL-2.0",
       "optional": true,
       "os": [
@@ -15400,6 +15483,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MPL-2.0",
       "optional": true,
       "os": [
@@ -15420,6 +15504,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MPL-2.0",
       "optional": true,
       "os": [
@@ -15440,6 +15525,7 @@
       "cpu": [
         "arm"
       ],
+      "dev": true,
       "license": "MPL-2.0",
       "optional": true,
       "os": [
@@ -15460,6 +15546,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MPL-2.0",
       "optional": true,
       "os": [
@@ -15480,6 +15567,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MPL-2.0",
       "optional": true,
       "os": [
@@ -15500,6 +15588,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MPL-2.0",
       "optional": true,
       "os": [
@@ -15520,6 +15609,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MPL-2.0",
       "optional": true,
       "os": [
@@ -15540,6 +15630,7 @@
       "cpu": [
         "arm64"
       ],
+      "dev": true,
       "license": "MPL-2.0",
       "optional": true,
       "os": [
@@ -15560,6 +15651,7 @@
       "cpu": [
         "x64"
       ],
+      "dev": true,
       "license": "MPL-2.0",
       "optional": true,
       "os": [
@@ -15580,6 +15672,31 @@
       "dev": true,
       "license": "MIT"
     },
+    "node_modules/lint-staged": {
+      "version": "16.2.7",
+      "resolved": "https://registry.npmjs.org/lint-staged/-/lint-staged-16.2.7.tgz",
+      "integrity": "sha512-lDIj4RnYmK7/kXMya+qJsmkRFkGolciXjrsZ6PC25GdTfWOAWetR0ZbsNXRAj1EHHImRSalc+whZFg56F5DVow==",
+      "dev": true,
+      "license": "MIT",
+      "dependencies": {
+        "commander": "^14.0.2",
+        "listr2": "^9.0.5",
+        "micromatch": "^4.0.8",
+        "nano-spawn": "^2.0.0",
+        "pidtree": "^0.6.0",
+        "string-argv": "^0.3.2",
+        "yaml": "^2.8.1"
+      },
+      "bin": {
+        "lint-staged": "bin/lint-staged.js"
+      },
+      "engines": {
+        "node": ">=20.17"
+      },
+      "funding": {
+        "url": "https://opencollective.com/lint-staged"
+      }
+    },
     "node_modules/listr2": {
       "version": "9.0.5",
       "resolved": "https://registry.npmjs.org/listr2/-/listr2-9.0.5.tgz",
@@ -16730,6 +16847,19 @@
         "node": "^18.17.0 || >=20.5.0"
       }
     },
+    "node_modules/nano-spawn": {
+      "version": "2.0.0",
+      "resolved": "https://registry.npmjs.org/nano-spawn/-/nano-spawn-2.0.0.tgz",
+      "integrity": "sha512-tacvGzUY5o2D8CBh2rrwxyNojUsZNU2zjNTzKQrkgGJQTbGAfArVWXSKMBokBeeg6C7OLRGUEyoFlYbfeWQIqw==",
+      "dev": true,
+      "license": "MIT",
+      "engines": {
+        "node": ">=20.17"
+      },
+      "funding": {
+        "url": "https://github.com/sindresorhus/nano-spawn?sponsor=1"
+      }
+    },
     "node_modules/nanoid": {
       "version": "3.3.11",
       "resolved": "https://registry.npmjs.org/nanoid/-/nanoid-3.3.11.tgz",
@@ -17003,7 +17133,7 @@
       "version": "2.2.23",
       "resolved": "https://registry.npmjs.org/nwsapi/-/nwsapi-2.2.23.tgz",
       "integrity": "sha512-7wfH4sLbt4M0gCDzGE6vzQBo0bfTKjU7Sfpqy/7gs1qBfYz2vEJH6vXcBKpO3+6Yu1telwd0t9HpyOoLEQQbIQ==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT"
     },
     "node_modules/object-assign": {
@@ -17349,7 +17479,7 @@
       "version": "7.3.0",
       "resolved": "https://registry.npmjs.org/parse5/-/parse5-7.3.0.tgz",
       "integrity": "sha512-IInvU7fabl34qmi9gY8XOVxhYyMyuH2xUNpb2q8/Y+7552KlejkRvqvD19nMoUW/uQGGbqNpA6Tufu5FL5BZgw==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "dependencies": {
         "entities": "^6.0.0"
@@ -17500,6 +17630,19 @@
         "url": "https://github.com/sponsors/jonschlinkert"
       }
     },
+    "node_modules/pidtree": {
+      "version": "0.6.0",
+      "resolved": "https://registry.npmjs.org/pidtree/-/pidtree-0.6.0.tgz",
+      "integrity": "sha512-eG2dWTVw5bzqGRztnHExczNxt5VGsE6OwTeCG3fdUf9KBsZzO3R5OIIIzWR+iZA0NtZ+RDVdaoE2dK1cn6jH4g==",
+      "dev": true,
+      "license": "MIT",
+      "bin": {
+        "pidtree": "bin/pidtree.js"
+      },
+      "engines": {
+        "node": ">=0.10"
+      }
+    },
     "node_modules/pirates": {
       "version": "4.0.7",
       "resolved": "https://registry.npmjs.org/pirates/-/pirates-4.0.7.tgz",
@@ -17642,6 +17785,22 @@
         "node": ">= 0.8.0"
       }
     },
+    "node_modules/prettier": {
+      "version": "3.8.1",
+      "resolved": "https://registry.npmjs.org/prettier/-/prettier-3.8.1.tgz",
+      "integrity": "sha512-UOnG6LftzbdaHZcKoPFtOcCKztrQ57WkHDeRD9t/PTQtmT0NHSeWWepj6pS0z/N7+08BHFDQVUrfmfMRcZwbMg==",
+      "dev": true,
+      "license": "MIT",
+      "bin": {
+        "prettier": "bin/prettier.cjs"
+      },
+      "engines": {
+        "node": ">=14"
+      },
+      "funding": {
+        "url": "https://github.com/prettier/prettier?sponsor=1"
+      }
+    },
     "node_modules/pretty-format": {
       "version": "27.5.1",
       "resolved": "https://registry.npmjs.org/pretty-format/-/pretty-format-27.5.1.tgz",
@@ -17718,7 +17877,7 @@
       "version": "2.3.1",
       "resolved": "https://registry.npmjs.org/punycode/-/punycode-2.3.1.tgz",
       "integrity": "sha512-vYt7UD1U9Wg6138shLtLOvdAu+8DsC/ilFtEVHcH+wydcSpNE20AfSOduf6MkRFahL5FY7X1oU7nKVZFtfq8Fg==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "engines": {
         "node": ">=6"
@@ -18301,7 +18460,7 @@
       "version": "0.8.0",
       "resolved": "https://registry.npmjs.org/rrweb-cssom/-/rrweb-cssom-0.8.0.tgz",
       "integrity": "sha512-guoltQEx+9aMf2gDZ0s62EcV8lsXR+0w8915TC3ITdn2YueuNjdAYh/levpU9nFaoChh9RUS5ZdQMrKfVEN9tw==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT"
     },
     "node_modules/run-parallel": {
@@ -18397,14 +18556,14 @@
       "version": "2.1.2",
       "resolved": "https://registry.npmjs.org/safer-buffer/-/safer-buffer-2.1.2.tgz",
       "integrity": "sha512-YZo3K82SD7Riyi0E1EQPojLz7kpepnSQI9IyPbHHg1XXXevb5dJI7tpyN2ADxGcQbHG7vcyRHk0cbwqcQriUtg==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT"
     },
     "node_modules/saxes": {
       "version": "6.0.0",
       "resolved": "https://registry.npmjs.org/saxes/-/saxes-6.0.0.tgz",
       "integrity": "sha512-xAg7SOnEhrm5zI3puOOKyy1OMcMlIJZYNJY7xLBwSze0UjhPLnWfj2GF2EpT0jmzaJKIWKHLsaSSajf35bcYnA==",
-      "devOptional": true,
+      "dev": true,
       "license": "ISC",
       "dependencies": {
         "xmlchars": "^2.2.0"
@@ -18927,6 +19086,16 @@
         "node": ">= 0.4"
       }
     },
+    "node_modules/string-argv": {
+      "version": "0.3.2",
+      "resolved": "https://registry.npmjs.org/string-argv/-/string-argv-0.3.2.tgz",
+      "integrity": "sha512-aqD2Q0144Z+/RqG52NeHEkZauTAUWJO8c6yTftGJKO3Tja5tUgIfmIl6kExvhtxSDP7fXB6DvzkfMpCd/F3G+Q==",
+      "dev": true,
+      "license": "MIT",
+      "engines": {
+        "node": ">=0.6.19"
+      }
+    },
     "node_modules/string-env-interpolation": {
       "version": "1.0.1",
       "resolved": "https://registry.npmjs.org/string-env-interpolation/-/string-env-interpolation-1.0.1.tgz",
@@ -19299,7 +19468,7 @@
       "version": "3.2.4",
       "resolved": "https://registry.npmjs.org/symbol-tree/-/symbol-tree-3.2.4.tgz",
       "integrity": "sha512-9QNk5KwDF+Bvz+PyObkmSYjI5ksVUYtjW7AU22r2NKcfLJcXp96hkDWU3+XndOsUb+AQ9QhfzfCT2O+CNWT5Tw==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT"
     },
     "node_modules/sync-fetch": {
@@ -19525,7 +19694,7 @@
       "version": "6.1.86",
       "resolved": "https://registry.npmjs.org/tldts/-/tldts-6.1.86.tgz",
       "integrity": "sha512-WMi/OQ2axVTf/ykqCQgXiIct+mSQDFdH2fkwhPwgEwvJ1kSzZRiinb0zF2Xb8u4+OqPChmyI6MEu4EezNJz+FQ==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "dependencies": {
         "tldts-core": "^6.1.86"
@@ -19538,7 +19707,7 @@
       "version": "6.1.86",
       "resolved": "https://registry.npmjs.org/tldts-core/-/tldts-core-6.1.86.tgz",
       "integrity": "sha512-Je6p7pkk+KMzMv2XXKmAE3McmolOQFdxkKw0R8EYNr7sELW46JqnNeTX8ybPiQgvg1ymCoF8LXs5fzFaZvJPTA==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT"
     },
     "node_modules/tmpl": {
@@ -19565,7 +19734,7 @@
       "version": "5.1.2",
       "resolved": "https://registry.npmjs.org/tough-cookie/-/tough-cookie-5.1.2.tgz",
       "integrity": "sha512-FVDYdxtnj0G6Qm/DhNPSb8Ju59ULcup3tuJxkFb5K8Bv2pUXILbf0xZWU8PX8Ov19OXljbUyveOFwRMwkXzO+A==",
-      "devOptional": true,
+      "dev": true,
       "license": "BSD-3-Clause",
       "dependencies": {
         "tldts": "^6.1.32"
@@ -19578,7 +19747,7 @@
       "version": "5.1.1",
       "resolved": "https://registry.npmjs.org/tr46/-/tr46-5.1.1.tgz",
       "integrity": "sha512-hdF5ZgjTqgAntKkklYw0R03MG2x/bSzTtkxmIRw/sTNV8YXsCJ1tfLAX23lhxhHJlEf3CRCOCGGWw3vI3GaSPw==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "dependencies": {
         "punycode": "^2.3.1"
@@ -19925,7 +20094,7 @@
       "version": "6.21.0",
       "resolved": "https://registry.npmjs.org/undici-types/-/undici-types-6.21.0.tgz",
       "integrity": "sha512-iwDZqg0QAGrg9Rav5H4n0M64c3mkR59cJ6wQp+7C4nI0gsmExaedaYLNO44eT4AtBBwjbTiGPMlt2Md0T9H9JQ==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT"
     },
     "node_modules/unified": {
@@ -20489,7 +20658,7 @@
       "version": "5.0.0",
       "resolved": "https://registry.npmjs.org/w3c-xmlserializer/-/w3c-xmlserializer-5.0.0.tgz",
       "integrity": "sha512-o8qghlI8NZHU1lLPrpi2+Uq7abh4GGPpYANlalzWxyWteJOCsr/P+oPBA49TOLu5FTZO4d3F9MnWJfiMo4BkmA==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "dependencies": {
         "xml-name-validator": "^5.0.0"
@@ -20522,7 +20691,7 @@
       "version": "7.0.0",
       "resolved": "https://registry.npmjs.org/webidl-conversions/-/webidl-conversions-7.0.0.tgz",
       "integrity": "sha512-VwddBukDzu71offAQR975unBIGqfKZpM+8ZX6ySk8nYhVoo5CYaZyzt3YBvYtRtO+aoGlqxPg/B87NGVZ/fu6g==",
-      "devOptional": true,
+      "dev": true,
       "license": "BSD-2-Clause",
       "engines": {
         "node": ">=12"
@@ -20533,7 +20702,7 @@
       "resolved": "https://registry.npmjs.org/whatwg-encoding/-/whatwg-encoding-3.1.1.tgz",
       "integrity": "sha512-6qN4hJdMwfYBtE3YBTTHhoeuUrDBPZmbQaxWAqSALV/MeEnR5z1xd8UKud2RAkFoPkmB+hli1TZSnyi84xz1vQ==",
       "deprecated": "Use @exodus/bytes instead for a more spec-conformant and faster implementation",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "dependencies": {
         "iconv-lite": "0.6.3"
@@ -20546,7 +20715,7 @@
       "version": "4.0.0",
       "resolved": "https://registry.npmjs.org/whatwg-mimetype/-/whatwg-mimetype-4.0.0.tgz",
       "integrity": "sha512-QaKxh0eNIi2mE9p2vEdzfagOKHCcj1pJ56EEHGQOVxp8r9/iszLUUV7v89x9O1p/T+NlTM5W7jW6+cz4Fq1YVg==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "engines": {
         "node": ">=18"
@@ -20556,7 +20725,7 @@
       "version": "14.2.0",
       "resolved": "https://registry.npmjs.org/whatwg-url/-/whatwg-url-14.2.0.tgz",
       "integrity": "sha512-De72GdQZzNTUBBChsXueQUnPKDkg/5A5zp7pFDuQAj5UFoENpiACU0wlCvzpAGnTkj++ihpKwKyYewn/XNUbKw==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT",
       "dependencies": {
         "tr46": "^5.1.0",
@@ -20836,7 +21005,7 @@
       "version": "5.0.0",
       "resolved": "https://registry.npmjs.org/xml-name-validator/-/xml-name-validator-5.0.0.tgz",
       "integrity": "sha512-EvGK8EJ3DhaHfbRlETOWAS5pO9MZITeauHKJyb8wyajUfQUenkIg2MvLDTZ4T/TgIcm3HU0TFBgWWboAZ30UHg==",
-      "devOptional": true,
+      "dev": true,
       "license": "Apache-2.0",
       "engines": {
         "node": ">=18"
@@ -20846,7 +21015,7 @@
       "version": "2.2.0",
       "resolved": "https://registry.npmjs.org/xmlchars/-/xmlchars-2.2.0.tgz",
       "integrity": "sha512-JZnDKK8B0RCDw84FNdDAIpZK+JuJw+s7Lz8nksI7SIuU3UXJJslUthsi+uWBUYOwPFwW7W7PRLRfUKpxjtjFCw==",
-      "devOptional": true,
+      "dev": true,
       "license": "MIT"
     },
     "node_modules/xmlhttprequest-ssl": {
@@ -20878,7 +21047,7 @@
       "version": "2.8.2",
       "resolved": "https://registry.npmjs.org/yaml/-/yaml-2.8.2.tgz",
       "integrity": "sha512-mplynKqc1C2hTVYxd0PU2xQAc22TI1vShAYGksCCfxbn/dFwnHTNi1bvYsBTkhdUNtGIf5xNOg938rrSSYvS9A==",
-      "devOptional": true,
+      "dev": true,
       "license": "ISC",
       "bin": {
         "yaml": "bin.mjs"
diff --git a/package.json b/package.json
index 7b8416d..b26c9ee 100644
--- a/package.json
+++ b/package.json
@@ -9,7 +9,8 @@
     "lint": "eslint",
     "test": "jest",
     "codegen": "graphql-codegen",
-    "codegen:watch": "graphql-codegen --watch"
+    "codegen:watch": "graphql-codegen --watch",
+    "prepare": "husky"
   },
   "dependencies": {
     "@apollo/client": "^4.1.2",
@@ -85,8 +86,11 @@
     "@types/react-dom": "^19.2.3",
     "eslint": "^9",
     "eslint-config-next": "16.1.1",
+    "husky": "^9.1.7",
     "jest": "^30.2.0",
     "jest-environment-jsdom": "^30.2.0",
+    "lint-staged": "^16.2.7",
+    "prettier": "^3.8.1",
     "tailwindcss": "^4",
     "ts-node": "^10.9.2",
     "tw-animate-css": "^1.4.0",

From eff6a9b6fbd32f69ca55bb6d3a65dc30d2ca6841 Mon Sep 17 00:00:00 2001
From: Benjtalkshow <chinedubenj@gmail.com>
Date: Fri, 20 Feb 2026 13:29:53 +0100
Subject: [PATCH 2/3] fix: fix coderabbit corrections

---
 .husky/pre-commit                             |  2 +-
 .husky/pre-push                               |  1 +
 app/api/compliance/status/route.ts            |  5 +--
 app/api/compliance/terms/route.ts             |  7 ++--
 app/api/compliance/upgrade/route.ts           | 25 ++++++++---
 app/api/withdrawal/submit/route.ts            | 23 +++++++++--
 components/compliance/terms-dialog.tsx        |  7 ++--
 components/compliance/tier-upgrade-dialog.tsx | 18 +++++++-
 components/wallet/withdrawal-section.tsx      | 22 ++++++----
 eslint.config.mjs                             |  4 +-
 lib/services/compliance.ts                    | 23 ++++++++---
 lib/services/geo-restriction.ts               | 41 +++++++++++--------
 package-lock.json                             | 19 ++++++++-
 package.json                                  |  3 +-
 14 files changed, 146 insertions(+), 54 deletions(-)
 create mode 100755 .husky/pre-push

diff --git a/.husky/pre-commit b/.husky/pre-commit
index db7dfc5..3c15019 100644
--- a/.husky/pre-commit
+++ b/.husky/pre-commit
@@ -1 +1 @@
-npx lint-staged --concurrent false && npm run build
+npx lint-staged --concurrent false
diff --git a/.husky/pre-push b/.husky/pre-push
new file mode 100755
index 0000000..d6cb288
--- /dev/null
+++ b/.husky/pre-push
@@ -0,0 +1 @@
+npm run build
diff --git a/app/api/compliance/status/route.ts b/app/api/compliance/status/route.ts
index 35a9563..0c30e01 100644
--- a/app/api/compliance/status/route.ts
+++ b/app/api/compliance/status/route.ts
@@ -1,10 +1,9 @@
-import { NextRequest, NextResponse } from "next/server";
+import { NextResponse } from "next/server";
 import { getCurrentUser } from "@/lib/server-auth";
 import { ComplianceService } from "@/lib/services/compliance";
 import { TermsService } from "@/lib/services/terms";
 
-// eslint-disable-next-line @typescript-eslint/no-unused-vars
-export async function GET(_request: NextRequest) {
+export async function GET() {
   try {
     const user = await getCurrentUser();
     if (!user) {
diff --git a/app/api/compliance/terms/route.ts b/app/api/compliance/terms/route.ts
index 3313be5..d48f2a3 100644
--- a/app/api/compliance/terms/route.ts
+++ b/app/api/compliance/terms/route.ts
@@ -2,13 +2,12 @@ import { NextRequest, NextResponse } from "next/server";
 import { getCurrentUser } from "@/lib/server-auth";
 import { TermsService } from "@/lib/services/terms";
 
-// eslint-disable-next-line @typescript-eslint/no-unused-vars
-export async function GET(_request: NextRequest) {
+export async function GET() {
   try {
     const terms = await TermsService.getCurrentTermsVersion();
     return NextResponse.json(terms);
-    // eslint-disable-next-line @typescript-eslint/no-unused-vars
-  } catch (_error) {
+  } catch (error) {
+    console.error("Failed to fetch terms:", error);
     return NextResponse.json(
       { error: "Failed to fetch terms" },
       { status: 500 },
diff --git a/app/api/compliance/upgrade/route.ts b/app/api/compliance/upgrade/route.ts
index f9bc36c..7209593 100644
--- a/app/api/compliance/upgrade/route.ts
+++ b/app/api/compliance/upgrade/route.ts
@@ -1,6 +1,7 @@
 import { NextRequest, NextResponse } from "next/server";
 import { getCurrentUser } from "@/lib/server-auth";
 import { VerificationService } from "@/lib/services/verification";
+import { KYCTier } from "@/types/compliance";
 
 export async function POST(request: NextRequest) {
   try {
@@ -11,6 +12,21 @@ export async function POST(request: NextRequest) {
 
     const { targetTier } = await request.json();
 
+    const VALID_TIERS: KYCTier[] = [
+      "UNVERIFIED",
+      "BASIC",
+      "VERIFIED",
+      "ENHANCED",
+    ];
+
+    // Validate targetTier
+    if (!targetTier || !VALID_TIERS.includes(targetTier as KYCTier)) {
+      return NextResponse.json(
+        { error: "Invalid or missing targetTier" },
+        { status: 400 },
+      );
+    }
+
     const verificationRequest =
       await VerificationService.createVerificationRequest(user.id, targetTier);
 
@@ -27,8 +43,7 @@ export async function POST(request: NextRequest) {
   }
 }
 
-// eslint-disable-next-line @typescript-eslint/no-unused-vars
-export async function GET(_request: NextRequest) {
+export async function GET() {
   try {
     const user = await getCurrentUser();
     if (!user) {
@@ -37,10 +52,10 @@ export async function GET(_request: NextRequest) {
 
     const status = await VerificationService.getVerificationStatus(user.id);
     return NextResponse.json(status);
-    // eslint-disable-next-line @typescript-eslint/no-unused-vars
-  } catch (_error) {
+  } catch (error) {
+    console.error("Failed to fetch verification status:", error);
     return NextResponse.json(
-      { error: "Failed to fetch verification status" },
+      { error: "Failed to fetch status" },
       { status: 500 },
     );
   }
diff --git a/app/api/withdrawal/submit/route.ts b/app/api/withdrawal/submit/route.ts
index 45a3935..aa03872 100644
--- a/app/api/withdrawal/submit/route.ts
+++ b/app/api/withdrawal/submit/route.ts
@@ -23,9 +23,24 @@ export async function POST(request: NextRequest) {
     return NextResponse.json(withdrawal);
   } catch (error) {
     console.error("Error submitting withdrawal:", error);
-    return NextResponse.json(
-      { error: (error as Error).message || "Withdrawal failed" },
-      { status: 400 },
-    );
+
+    let message = "Withdrawal failed";
+    let status = 400;
+
+    if (error instanceof Error) {
+      message = error.message;
+      const err = error as Error & { status?: number; statusCode?: number };
+      status =
+        err.status ||
+        err.statusCode ||
+        (error.name === "ValidationError" || error.name === "BadRequestError"
+          ? 400
+          : 500);
+    } else {
+      message = String(error);
+      status = 500;
+    }
+
+    return NextResponse.json({ error: message }, { status });
   }
 }
diff --git a/components/compliance/terms-dialog.tsx b/components/compliance/terms-dialog.tsx
index 18e605a..e5f97b5 100644
--- a/components/compliance/terms-dialog.tsx
+++ b/components/compliance/terms-dialog.tsx
@@ -49,10 +49,9 @@ export function TermsDialog({
   };
 
   const handleScroll = (e: React.UIEvent<HTMLDivElement>) => {
-    const target = e.target as HTMLDivElement;
-    const bottom =
-      target.scrollHeight - target.scrollTop <= target.clientHeight + 50;
-    if (bottom) setScrolled(true);
+    const { scrollHeight, scrollTop, clientHeight } = e.currentTarget;
+    const isAtBottom = scrollHeight - scrollTop <= clientHeight + 50;
+    if (isAtBottom) setScrolled(true);
   };
 
   return (
diff --git a/components/compliance/tier-upgrade-dialog.tsx b/components/compliance/tier-upgrade-dialog.tsx
index 854f4aa..24893c8 100644
--- a/components/compliance/tier-upgrade-dialog.tsx
+++ b/components/compliance/tier-upgrade-dialog.tsx
@@ -17,6 +17,13 @@ import { VerificationService } from "@/lib/services/verification";
 import { useUpgradeTier } from "@/hooks/use-compliance";
 import { DocumentUpload } from "./document-upload";
 
+const TIER_ORDER: Record<KYCTier, number> = {
+  UNVERIFIED: 0,
+  BASIC: 1,
+  VERIFIED: 2,
+  ENHANCED: 3,
+};
+
 interface TierUpgradeDialogProps {
   open: boolean;
   onOpenChange: (open: boolean) => void;
@@ -34,6 +41,7 @@ const formatCurrency = (amount: number) =>
 export function TierUpgradeDialog({
   open,
   onOpenChange,
+  currentTier,
   targetTier,
 }: TierUpgradeDialogProps) {
   const [step, setStep] = useState<"info" | "documents">("info");
@@ -45,7 +53,10 @@ export function TierUpgradeDialog({
   const tierConfig = ComplianceService.getTierConfig(targetTier);
   const requiredDocs = VerificationService.getRequiredDocuments(targetTier);
 
+  const isUpgradeValid = TIER_ORDER[targetTier] > TIER_ORDER[currentTier];
+
   const handleUpgrade = async () => {
+    if (!isUpgradeValid) return;
     try {
       const request = await upgradeMutation.mutateAsync(targetTier);
       setRequestId(request.id);
@@ -162,7 +173,7 @@ export function TierUpgradeDialog({
               </Button>
               <Button
                 onClick={handleUpgrade}
-                disabled={upgradeMutation.isPending}
+                disabled={upgradeMutation.isPending || !isUpgradeValid}
               >
                 {upgradeMutation.isPending
                   ? "Requesting..."
@@ -183,6 +194,11 @@ export function TierUpgradeDialog({
             </>
           )}
         </DialogFooter>
+        {!isUpgradeValid && step === "info" && (
+          <p className="text-xs text-destructive text-center pb-4">
+            You are already at this tier or higher.
+          </p>
+        )}
       </DialogContent>
     </Dialog>
   );
diff --git a/components/wallet/withdrawal-section.tsx b/components/wallet/withdrawal-section.tsx
index 7f44d24..59f8f5c 100644
--- a/components/wallet/withdrawal-section.tsx
+++ b/components/wallet/withdrawal-section.tsx
@@ -44,22 +44,25 @@ export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
     { id: "1", name: "Chase Bank", last4: "4242", isPrimary: true },
   ];
 
-  const parsedAmount = parseFloat(amount);
-  const isValidAmount =
-    !isNaN(parsedAmount) && isFinite(parsedAmount) && parsedAmount >= 10;
+  const parsedAmount = isNaN(parseFloat(amount)) ? 0 : parseFloat(amount);
+  const isValidAmount = isFinite(parsedAmount) && parsedAmount >= 10;
 
   const syncValidationError = useMemo(() => {
-    if (!amount) return null;
+    if (!amount || Number.isNaN(parsedAmount)) return null;
     if (!isValidAmount) return "Minimum withdrawal is $10.00";
     if (parsedAmount > walletInfo.balance) return "Insufficient balance";
     return null;
   }, [amount, isValidAmount, parsedAmount, walletInfo.balance]);
 
   useEffect(() => {
+    // If we have a sync error, we don't need to run async validation.
+    // The UI will prefer syncValidationError automatically.
     if (syncValidationError) {
       return;
     }
 
+    if (parsedAmount <= 0) return;
+
     const debounceTimer = setTimeout(() => {
       validateMutation.mutate(parsedAmount, {
         onSuccess: (result) => {
@@ -76,7 +79,7 @@ export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
   }, [syncValidationError, validateMutation, parsedAmount]);
 
   const handleWithdraw = async () => {
-    if (!isValidAmount || !complianceData) return;
+    if (!canWithdraw || !complianceData) return;
 
     try {
       await submitMutation.mutateAsync({
@@ -98,11 +101,16 @@ export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
     }).format(amount);
   };
 
+  const isAmountValidated =
+    validateMutation.isSuccess && validateMutation.variables === parsedAmount;
+
   const canWithdraw =
     isValidAmount &&
     parsedAmount <= walletInfo.balance &&
     !validationError &&
     !syncValidationError &&
+    !validateMutation.isPending &&
+    isAmountValidated &&
     complianceData?.compliance.holdState === "NONE" &&
     !complianceData?.termsStatus.requiresAcceptance;
 
@@ -169,11 +177,11 @@ export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
                 <span>Balance: {formatCurrency(walletInfo.balance)}</span>
                 <span>Min: $10.00</span>
               </div>
-              {(validationError || syncValidationError) && (
+              {(syncValidationError || validationError) && (
                 <Alert variant="destructive" className="py-2">
                   <AlertCircle className="h-4 w-4" />
                   <AlertDescription className="text-xs">
-                    {validationError || syncValidationError}
+                    {syncValidationError || validationError}
                   </AlertDescription>
                 </Alert>
               )}
diff --git a/eslint.config.mjs b/eslint.config.mjs
index e1e39a9..5f53b14 100644
--- a/eslint.config.mjs
+++ b/eslint.config.mjs
@@ -1,10 +1,12 @@
 import { defineConfig, globalIgnores } from "eslint/config";
 import nextVitals from "eslint-config-next/core-web-vitals";
 import nextTs from "eslint-config-next/typescript";
+import prettier from "eslint-config-prettier/flat";
 
 const eslintConfig = defineConfig([
   ...nextVitals,
   ...nextTs,
+  prettier,
   // Override default ignores of eslint-config-next.
   globalIgnores([
     // Default ignores of eslint-config-next:
@@ -12,7 +14,7 @@ const eslintConfig = defineConfig([
     "out/**",
     "build/**",
     "next-env.d.ts",
-    "jest.config.js"
+    "jest.config.js",
   ]),
 ]);
 
diff --git a/lib/services/compliance.ts b/lib/services/compliance.ts
index f913b3a..d5dc0c8 100644
--- a/lib/services/compliance.ts
+++ b/lib/services/compliance.ts
@@ -81,6 +81,10 @@ export class ComplianceService {
 
   /**
    * Get user's current compliance status
+   *
+   * NOTE: This returns a shallow copy of the cached object to allow
+   * mutating methods (trackWithdrawal, resetExpiredWindows, etc.)
+   * to persist changes to the mock database.
    */
   static async getUserCompliance(userId: string): Promise<UserCompliance> {
     await this.simulateDelay();
@@ -199,7 +203,8 @@ export class ComplianceService {
   }
 
   /**
-   * Check if withdrawal would exceed any limits
+   * Check if withdrawal would exceed any limits.
+   * NOTE: This does not mutate state. Callers must ensure windows are reset if needed.
    */
   static async validateWithdrawalAmount(
     userId: string,
@@ -209,7 +214,6 @@ export class ComplianceService {
     exceededLimit?: "daily" | "weekly" | "monthly" | "perTransaction";
   }> {
     const compliance = await this.getUserCompliance(userId);
-    await this.resetExpiredWindows(userId, compliance);
 
     const { limits, usage } = compliance;
 
@@ -317,17 +321,24 @@ export class ComplianceService {
   }
 
   /**
-   * Get tier configuration
+   * Get tier configuration (returns a deep copy)
    */
   static getTierConfig(tier: KYCTier): KYCTierConfig {
-    return { ...this.TIER_CONFIGS[tier] };
+    const config = this.TIER_CONFIGS[tier];
+    return {
+      ...config,
+      limits: { ...config.limits },
+      requirements: [...config.requirements],
+    };
   }
 
   /**
-   * Get all tier configurations
+   * Get all tier configurations (returns deep copies)
    */
   static getAllTierConfigs(): KYCTierConfig[] {
-    return Object.values(this.TIER_CONFIGS);
+    return (Object.keys(this.TIER_CONFIGS) as KYCTier[]).map((tier) =>
+      this.getTierConfig(tier),
+    );
   }
 
   /**
diff --git a/lib/services/geo-restriction.ts b/lib/services/geo-restriction.ts
index 47076c4..56202e1 100644
--- a/lib/services/geo-restriction.ts
+++ b/lib/services/geo-restriction.ts
@@ -39,19 +39,28 @@ const RESTRICTED: RestrictedJurisdiction[] = [
 ];
 
 export class GeoRestrictionService {
-  static async checkLocation(ip: string): Promise<UserLocation> {
+  static async checkLocation(
+    ip: string,
+    override?: Partial<UserLocation>,
+  ): Promise<UserLocation> {
     // In production: call ipapi.co, MaxMind, or ip-api.com
     // Example: const response = await fetch(`https://ipapi.co/${ip}/json/`)
 
     const mockLocation: UserLocation = {
       ip,
-      countryCode: "US",
-      countryName: "United States",
-      regionCode: "CA",
-      regionName: "California",
-      city: "San Francisco",
-      isVPN: await this.detectVPN(ip),
-      isProxy: await this.detectProxy(ip),
+      countryCode: override?.countryCode || "US",
+      countryName: override?.countryName || "United States",
+      regionCode: override?.regionCode || "CA",
+      regionName: override?.regionName || "California",
+      city: override?.city || "San Francisco",
+      isVPN:
+        override?.isVPN !== undefined
+          ? override.isVPN
+          : await this.detectVPN(ip),
+      isProxy:
+        override?.isProxy !== undefined
+          ? override.isProxy
+          : await this.detectProxy(ip),
       isRestricted: false,
     };
 
@@ -80,14 +89,14 @@ export class GeoRestrictionService {
   }
 
   static async detectVPN(ip: string): Promise<boolean> {
-    // In production: use VPN detection API like:
-    // - IPHub: https://iphub.info/
-    // - IP2Proxy: https://www.ip2location.com/
-    // - VPNApi: https://vpnapi.io/
-
-    // Mock: check if IP is in common VPN ranges
-    const vpnRanges = ["10.", "172.16.", "192.168."];
-    return vpnRanges.some((range) => ip.startsWith(range));
+    /**
+     * NOTE: This is a placeholder mock for VPN detection.
+     * TODO: Integrate with a real VPN detection service like IPHub, IP2Proxy, or VPNApi.
+     */
+
+    // Mock: check against a small list of "VPN-like" public IPs (placeholder logic)
+    const vpnIps = ["8.8.8.8", "1.1.1.1"];
+    return vpnIps.includes(ip);
   }
 
   // eslint-disable-next-line @typescript-eslint/no-unused-vars
diff --git a/package-lock.json b/package-lock.json
index bd1fa4f..a5b7809 100644
--- a/package-lock.json
+++ b/package-lock.json
@@ -81,11 +81,12 @@
         "@types/react-dom": "^19.2.3",
         "eslint": "^9",
         "eslint-config-next": "16.1.1",
+        "eslint-config-prettier": "^10.1.8",
         "husky": "^9.1.7",
         "jest": "^30.2.0",
         "jest-environment-jsdom": "^30.2.0",
         "lint-staged": "^16.2.7",
-        "prettier": "^3.8.1",
+        "prettier": "3.8.1",
         "tailwindcss": "^4",
         "ts-node": "^10.9.2",
         "tw-animate-css": "^1.4.0",
@@ -11631,6 +11632,22 @@
         "url": "https://github.com/sponsors/sindresorhus"
       }
     },
+    "node_modules/eslint-config-prettier": {
+      "version": "10.1.8",
+      "resolved": "https://registry.npmjs.org/eslint-config-prettier/-/eslint-config-prettier-10.1.8.tgz",
+      "integrity": "sha512-82GZUjRS0p/jganf6q1rEO25VSoHH0hKPCTrgillPjdI/3bgBhAE1QzHrHTizjpRvy6pGAvKjDJtk2pF9NDq8w==",
+      "dev": true,
+      "license": "MIT",
+      "bin": {
+        "eslint-config-prettier": "bin/cli.js"
+      },
+      "funding": {
+        "url": "https://opencollective.com/eslint-config-prettier"
+      },
+      "peerDependencies": {
+        "eslint": ">=7.0.0"
+      }
+    },
     "node_modules/eslint-import-resolver-node": {
       "version": "0.3.9",
       "resolved": "https://registry.npmjs.org/eslint-import-resolver-node/-/eslint-import-resolver-node-0.3.9.tgz",
diff --git a/package.json b/package.json
index b26c9ee..19377c9 100644
--- a/package.json
+++ b/package.json
@@ -86,11 +86,12 @@
     "@types/react-dom": "^19.2.3",
     "eslint": "^9",
     "eslint-config-next": "16.1.1",
+    "eslint-config-prettier": "^10.1.8",
     "husky": "^9.1.7",
     "jest": "^30.2.0",
     "jest-environment-jsdom": "^30.2.0",
     "lint-staged": "^16.2.7",
-    "prettier": "^3.8.1",
+    "prettier": "3.8.1",
     "tailwindcss": "^4",
     "ts-node": "^10.9.2",
     "tw-animate-css": "^1.4.0",

From b86d617ce16aa9ce67914c195c01acbfbf6a69ca Mon Sep 17 00:00:00 2001
From: Benjtalkshow <chinedubenj@gmail.com>
Date: Fri, 20 Feb 2026 13:49:53 +0100
Subject: [PATCH 3/3] Refine codebase based on feedback: API safety, UI
 consistency, service layer purity, and lint fixes

---
 .husky/pre-commit                             |  1 +
 .husky/pre-push                               |  1 +
 app/api/compliance/terms/route.ts             | 12 ++-
 app/api/compliance/upgrade/route.ts           | 19 ++--
 app/api/withdrawal/submit/route.ts            | 21 ++++-
 components/compliance/tier-upgrade-dialog.tsx | 42 ++++++---
 components/wallet/withdrawal-section.tsx      | 88 +++++++++++--------
 lib/services/compliance.ts                    | 54 ++++++++----
 lib/services/geo-restriction.ts               | 26 +++---
 9 files changed, 176 insertions(+), 88 deletions(-)

diff --git a/.husky/pre-commit b/.husky/pre-commit
index 3c15019..acc109c 100644
--- a/.husky/pre-commit
+++ b/.husky/pre-commit
@@ -1 +1,2 @@
+#!/usr/bin/env sh
 npx lint-staged --concurrent false
diff --git a/.husky/pre-push b/.husky/pre-push
index d6cb288..3319b29 100755
--- a/.husky/pre-push
+++ b/.husky/pre-push
@@ -1 +1,2 @@
+#!/usr/bin/env sh
 npm run build
diff --git a/app/api/compliance/terms/route.ts b/app/api/compliance/terms/route.ts
index d48f2a3..a0b47b6 100644
--- a/app/api/compliance/terms/route.ts
+++ b/app/api/compliance/terms/route.ts
@@ -23,7 +23,17 @@ export async function POST(request: NextRequest) {
     }
 
     const { termsVersionId } = await request.json();
-    const ip = request.headers.get("x-forwarded-for") || "0.0.0.0";
+
+    // Validate termsVersionId
+    if (!termsVersionId || typeof termsVersionId !== "string") {
+      return NextResponse.json(
+        { error: "Invalid or missing termsVersionId" },
+        { status: 400 },
+      );
+    }
+
+    const forwardedFor = request.headers.get("x-forwarded-for");
+    const ip = forwardedFor ? forwardedFor.split(",")[0].trim() : "0.0.0.0";
     const userAgent = request.headers.get("user-agent") || "unknown";
 
     const acceptance = await TermsService.acceptTerms(user.id, termsVersionId, {
diff --git a/app/api/compliance/upgrade/route.ts b/app/api/compliance/upgrade/route.ts
index 7209593..d087edf 100644
--- a/app/api/compliance/upgrade/route.ts
+++ b/app/api/compliance/upgrade/route.ts
@@ -1,6 +1,7 @@
 import { NextRequest, NextResponse } from "next/server";
 import { getCurrentUser } from "@/lib/server-auth";
 import { VerificationService } from "@/lib/services/verification";
+import { ComplianceService } from "@/lib/services/compliance";
 import { KYCTier } from "@/types/compliance";
 
 export async function POST(request: NextRequest) {
@@ -12,12 +13,9 @@ export async function POST(request: NextRequest) {
 
     const { targetTier } = await request.json();
 
-    const VALID_TIERS: KYCTier[] = [
-      "UNVERIFIED",
-      "BASIC",
-      "VERIFIED",
-      "ENHANCED",
-    ];
+    const VALID_TIERS = Object.keys(ComplianceService.TIER_CONFIGS).filter(
+      (t) => t !== "UNVERIFIED",
+    ) as KYCTier[];
 
     // Validate targetTier
     if (!targetTier || !VALID_TIERS.includes(targetTier as KYCTier)) {
@@ -33,12 +31,19 @@ export async function POST(request: NextRequest) {
     return NextResponse.json(verificationRequest);
   } catch (error) {
     console.error("Error creating verification request:", error);
+
+    const isValidationError =
+      error instanceof Error &&
+      (error.name === "ValidationError" ||
+        error.message.includes("Invalid") ||
+        error.message.includes("not allowed"));
+
     return NextResponse.json(
       {
         error:
           (error as Error).message || "Failed to create verification request",
       },
-      { status: 400 },
+      { status: isValidationError ? 400 : 500 },
     );
   }
 }
diff --git a/app/api/withdrawal/submit/route.ts b/app/api/withdrawal/submit/route.ts
index aa03872..b7aa0da 100644
--- a/app/api/withdrawal/submit/route.ts
+++ b/app/api/withdrawal/submit/route.ts
@@ -10,7 +10,23 @@ export async function POST(request: NextRequest) {
     }
 
     const { amount, currency, destinationId } = await request.json();
-    const ip = request.headers.get("x-forwarded-for") || "0.0.0.0";
+
+    // Input Validation
+    if (typeof amount !== "number" || !isFinite(amount) || amount <= 0) {
+      return NextResponse.json({ error: "Invalid amount" }, { status: 400 });
+    }
+    if (!currency || typeof currency !== "string") {
+      return NextResponse.json({ error: "Invalid currency" }, { status: 400 });
+    }
+    if (!destinationId || typeof destinationId !== "string") {
+      return NextResponse.json(
+        { error: "Invalid destinationId" },
+        { status: 400 },
+      );
+    }
+
+    const forwardedFor = request.headers.get("x-forwarded-for");
+    const ip = forwardedFor ? forwardedFor.split(",")[0].trim() : "0.0.0.0";
 
     const withdrawal = await WithdrawalService.submit(
       user.id,
@@ -25,7 +41,7 @@ export async function POST(request: NextRequest) {
     console.error("Error submitting withdrawal:", error);
 
     let message = "Withdrawal failed";
-    let status = 400;
+    let status = 500; // Default to 500
 
     if (error instanceof Error) {
       message = error.message;
@@ -38,7 +54,6 @@ export async function POST(request: NextRequest) {
           : 500);
     } else {
       message = String(error);
-      status = 500;
     }
 
     return NextResponse.json({ error: message }, { status });
diff --git a/components/compliance/tier-upgrade-dialog.tsx b/components/compliance/tier-upgrade-dialog.tsx
index 24893c8..ead1474 100644
--- a/components/compliance/tier-upgrade-dialog.tsx
+++ b/components/compliance/tier-upgrade-dialog.tsx
@@ -1,6 +1,6 @@
 "use client";
 
-import { useState } from "react";
+import { useState, useEffect } from "react";
 import {
   Dialog,
   DialogContent,
@@ -49,6 +49,19 @@ export function TierUpgradeDialog({
   const [uploadedDocs, setUploadedDocs] = useState<Set<DocumentType>>(
     new Set(),
   );
+
+  // Reset state when dialog opens or target tier changes
+  useEffect(() => {
+    if (open) {
+      // eslint-disable-next-line react-hooks/set-state-in-effect
+      setStep("info");
+
+      setRequestId(null);
+
+      setUploadedDocs(new Set());
+    }
+  }, [open, targetTier]);
+
   const upgradeMutation = useUpgradeTier();
   const tierConfig = ComplianceService.getTierConfig(targetTier);
   const requiredDocs = VerificationService.getRequiredDocuments(targetTier);
@@ -73,13 +86,17 @@ export function TierUpgradeDialog({
   const handleDocumentUpload = async (type: DocumentType, file: File) => {
     if (!requestId) return;
 
-    await VerificationService.uploadDocument(requestId, {
-      type,
-      fileName: file.name,
-      file,
-    });
+    try {
+      await VerificationService.uploadDocument(requestId, {
+        type,
+        fileName: file.name,
+        file,
+      });
 
-    setUploadedDocs((prev) => new Set(prev).add(type));
+      setUploadedDocs((prev) => new Set(prev).add(type));
+    } catch (error) {
+      alert((error as Error).message || "Failed to upload document");
+    }
   };
 
   const handleComplete = () => {
@@ -150,6 +167,12 @@ export function TierUpgradeDialog({
             <div className="text-sm text-muted-foreground">
               Processing time: {tierConfig.processingTime}
             </div>
+
+            {!isUpgradeValid && (
+              <p className="text-xs text-destructive text-center py-2">
+                You are already at this tier or higher.
+              </p>
+            )}
           </div>
         ) : (
           <div className="space-y-4">
@@ -194,11 +217,6 @@ export function TierUpgradeDialog({
             </>
           )}
         </DialogFooter>
-        {!isUpgradeValid && step === "info" && (
-          <p className="text-xs text-destructive text-center pb-4">
-            You are already at this tier or higher.
-          </p>
-        )}
       </DialogContent>
     </Dialog>
   );
diff --git a/components/wallet/withdrawal-section.tsx b/components/wallet/withdrawal-section.tsx
index 59f8f5c..5a85a9f 100644
--- a/components/wallet/withdrawal-section.tsx
+++ b/components/wallet/withdrawal-section.tsx
@@ -25,11 +25,19 @@ import {
   useValidateWithdrawal,
   useSubmitWithdrawal,
 } from "@/hooks/use-withdrawal";
+import { toast } from "sonner";
 
 interface WithdrawalSectionProps {
   walletInfo: WalletInfo;
 }
 
+const formatCurrency = (amount: number) => {
+  return new Intl.NumberFormat("en-US", {
+    style: "currency",
+    currency: "USD",
+  }).format(amount);
+};
+
 export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
   const [amount, setAmount] = useState("");
   const [showTermsDialog, setShowTermsDialog] = useState(false);
@@ -40,9 +48,15 @@ export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
   const validateMutation = useValidateWithdrawal();
   const submitMutation = useSubmitWithdrawal();
 
-  const bankAccounts = [
-    { id: "1", name: "Chase Bank", last4: "4242", isPrimary: true },
-  ];
+  const { mutate: validate } = validateMutation;
+
+  // TODO: Replace with real bank accounts from a service/hook
+  const bankAccounts: {
+    id: string;
+    name: string;
+    last4: string;
+    isPrimary: boolean;
+  }[] = [];
 
   const parsedAmount = isNaN(parseFloat(amount)) ? 0 : parseFloat(amount);
   const isValidAmount = isFinite(parsedAmount) && parsedAmount >= 10;
@@ -64,7 +78,7 @@ export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
     if (parsedAmount <= 0) return;
 
     const debounceTimer = setTimeout(() => {
-      validateMutation.mutate(parsedAmount, {
+      validate(parsedAmount, {
         onSuccess: (result) => {
           if (!result.valid) {
             setValidationError(result.errors[0] || "Validation failed");
@@ -76,10 +90,10 @@ export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
     }, 500);
 
     return () => clearTimeout(debounceTimer);
-  }, [syncValidationError, validateMutation, parsedAmount]);
+  }, [syncValidationError, validate, parsedAmount]);
 
   const handleWithdraw = async () => {
-    if (!canWithdraw || !complianceData) return;
+    if (!canWithdraw || !complianceData || bankAccounts.length === 0) return;
 
     try {
       await submitMutation.mutateAsync({
@@ -87,23 +101,18 @@ export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
         currency: "USD",
         destinationId: bankAccounts[0].id,
       });
-      alert("Withdrawal submitted successfully!");
+      toast.success("Withdrawal submitted successfully!");
       setAmount("");
     } catch (error) {
-      alert((error as Error).message || "Withdrawal failed");
+      toast.error((error as Error).message || "Withdrawal failed");
     }
   };
 
-  const formatCurrency = (amount: number) => {
-    return new Intl.NumberFormat("en-US", {
-      style: "currency",
-      currency: "USD",
-    }).format(amount);
-  };
-
   const isAmountValidated =
     validateMutation.isSuccess && validateMutation.variables === parsedAmount;
 
+  const serverFee = validateMutation.data?.valid ? 2.5 : 2.5; // TODO: Use real fee from server when available
+
   const canWithdraw =
     isValidAmount &&
     parsedAmount <= walletInfo.balance &&
@@ -111,6 +120,7 @@ export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
     !syncValidationError &&
     !validateMutation.isPending &&
     isAmountValidated &&
+    bankAccounts.length > 0 &&
     complianceData?.compliance.holdState === "NONE" &&
     !complianceData?.termsStatus.requiresAcceptance;
 
@@ -190,29 +200,35 @@ export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
             <div className="space-y-2">
               <Label>Select Destination</Label>
               <div className="space-y-2">
-                {bankAccounts.map((account) => (
-                  <div
-                    key={account.id}
-                    className="flex items-center justify-between p-3 rounded-xl border border-primary bg-primary/5 cursor-pointer"
-                  >
-                    <div className="flex items-center gap-3">
-                      <div className="p-2 rounded-full bg-primary/10">
-                        <Building className="h-4 w-4 text-primary" />
-                      </div>
-                      <div>
-                        <div className="text-sm font-medium">
-                          {account.name}
+                {bankAccounts.length > 0 ? (
+                  bankAccounts.map((account) => (
+                    <div
+                      key={account.id}
+                      className="flex items-center justify-between p-3 rounded-xl border border-primary bg-primary/5 cursor-pointer"
+                    >
+                      <div className="flex items-center gap-3">
+                        <div className="p-2 rounded-full bg-primary/10">
+                          <Building className="h-4 w-4 text-primary" />
                         </div>
-                        <div className="text-xs text-muted-foreground">
-                          Ending in {account.last4}
+                        <div>
+                          <div className="text-sm font-medium">
+                            {account.name}
+                          </div>
+                          <div className="text-xs text-muted-foreground">
+                            Ending in {account.last4}
+                          </div>
                         </div>
                       </div>
+                      {account.isPrimary && (
+                        <Badge className="text-[10px] h-5">Primary</Badge>
+                      )}
                     </div>
-                    {account.isPrimary && (
-                      <Badge className="text-[10px] h-5">Primary</Badge>
-                    )}
+                  ))
+                ) : (
+                  <div className="p-4 border border-dashed rounded-xl text-center text-sm text-muted-foreground">
+                    No bank accounts linked
                   </div>
-                ))}
+                )}
                 <Button
                   variant="outline"
                   className="w-full border-dashed border-2 py-6 text-sm flex gap-2"
@@ -230,13 +246,15 @@ export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
               </div>
               <div className="flex justify-between">
                 <span>Processing Fee</span>
-                <span className="text-foreground">$2.50</span>
+                <span className="text-foreground">
+                  {formatCurrency(serverFee)}
+                </span>
               </div>
               <Separator className="my-2" />
               <div className="flex justify-between font-semibold text-foreground">
                 <span>You&apos;ll Receive</span>
                 <span>
-                  {formatCurrency(Math.max(0, (parsedAmount || 0) - 2.5))}
+                  {formatCurrency(Math.max(0, (parsedAmount || 0) - serverFee))}
                 </span>
               </div>
             </div>
diff --git a/lib/services/compliance.ts b/lib/services/compliance.ts
index d5dc0c8..69b9b1e 100644
--- a/lib/services/compliance.ts
+++ b/lib/services/compliance.ts
@@ -80,21 +80,25 @@ export class ComplianceService {
   };
 
   /**
-   * Get user's current compliance status
-   *
-   * NOTE: This returns a shallow copy of the cached object to allow
-   * mutating methods (trackWithdrawal, resetExpiredWindows, etc.)
-   * to persist changes to the mock database.
+   * Internal accessor for mutating database records directly
    */
-  static async getUserCompliance(userId: string): Promise<UserCompliance> {
-    await this.simulateDelay();
-
-    // Return existing or create new
+  private static getComplianceRecord(userId: string): UserCompliance {
     if (!MOCK_COMPLIANCE_DB[userId]) {
       MOCK_COMPLIANCE_DB[userId] = this.createDefaultCompliance(userId);
     }
+    return MOCK_COMPLIANCE_DB[userId];
+  }
+
+  /**
+   * Get user's current compliance status (returns a deep clone for callers)
+   */
+  static async getUserCompliance(userId: string): Promise<UserCompliance> {
+    await this.simulateDelay();
+
+    const record = this.getComplianceRecord(userId);
 
-    return { ...MOCK_COMPLIANCE_DB[userId] };
+    // Return a deep clone to prevent external mutation of the DB
+    return JSON.parse(JSON.stringify(record));
   }
 
   /**
@@ -129,7 +133,8 @@ export class ComplianceService {
    * Calculate remaining withdrawal amounts with rolling windows
    */
   static async getRemainingLimits(userId: string): Promise<RemainingLimits> {
-    const compliance = await this.getUserCompliance(userId);
+    // Note: We access the record directly to reset windows
+    const compliance = this.getComplianceRecord(userId);
 
     // Reset usage if windows have passed
     await this.resetExpiredWindows(userId, compliance);
@@ -213,7 +218,10 @@ export class ComplianceService {
     valid: boolean;
     exceededLimit?: "daily" | "weekly" | "monthly" | "perTransaction";
   }> {
-    const compliance = await this.getUserCompliance(userId);
+    const compliance = this.getComplianceRecord(userId);
+
+    // Reset windows before checking limits to ensure data is fresh
+    await this.resetExpiredWindows(userId, compliance);
 
     const { limits, usage } = compliance;
 
@@ -244,7 +252,7 @@ export class ComplianceService {
    * Track withdrawal usage (call after successful withdrawal)
    */
   static async trackWithdrawal(userId: string, amount: number): Promise<void> {
-    const compliance = await this.getUserCompliance(userId);
+    const compliance = this.getComplianceRecord(userId);
 
     compliance.usage.dailyUsed += amount;
     compliance.usage.weeklyUsed += amount;
@@ -259,7 +267,19 @@ export class ComplianceService {
    * Upgrade user tier after verification approval
    */
   static async upgradeTier(userId: string, newTier: KYCTier): Promise<boolean> {
-    const compliance = await this.getUserCompliance(userId);
+    const compliance = this.getComplianceRecord(userId);
+
+    const TIER_ORDER: Record<KYCTier, number> = {
+      UNVERIFIED: 0,
+      BASIC: 1,
+      VERIFIED: 2,
+      ENHANCED: 3,
+    };
+
+    // Prevent downgrades or invalid upgrades
+    if (TIER_ORDER[newTier] <= TIER_ORDER[compliance.currentTier]) {
+      throw new Error("Cannot downgrade or remain at current tier");
+    }
 
     // Update tier and limits
     compliance.currentTier = newTier;
@@ -279,7 +299,7 @@ export class ComplianceService {
     state: ComplianceHoldState,
     reason?: string,
   ): Promise<void> {
-    const compliance = await this.getUserCompliance(userId);
+    const compliance = this.getComplianceRecord(userId);
 
     compliance.holdState = state;
     compliance.holdReason = reason;
@@ -295,7 +315,7 @@ export class ComplianceService {
     userId: string,
     status: VerificationStatus,
   ): Promise<void> {
-    const compliance = await this.getUserCompliance(userId);
+    const compliance = this.getComplianceRecord(userId);
 
     compliance.verificationStatus = status;
     compliance.updatedAt = new Date().toISOString();
@@ -311,7 +331,7 @@ export class ComplianceService {
     restricted: boolean,
     jurisdictionCode?: string,
   ): Promise<void> {
-    const compliance = await this.getUserCompliance(userId);
+    const compliance = this.getComplianceRecord(userId);
 
     compliance.restrictedJurisdiction = restricted;
     compliance.jurisdictionCode = jurisdictionCode;
diff --git a/lib/services/geo-restriction.ts b/lib/services/geo-restriction.ts
index 56202e1..dc2b4a0 100644
--- a/lib/services/geo-restriction.ts
+++ b/lib/services/geo-restriction.ts
@@ -48,11 +48,11 @@ export class GeoRestrictionService {
 
     const mockLocation: UserLocation = {
       ip,
-      countryCode: override?.countryCode || "US",
-      countryName: override?.countryName || "United States",
-      regionCode: override?.regionCode || "CA",
-      regionName: override?.regionName || "California",
-      city: override?.city || "San Francisco",
+      countryCode: override?.countryCode ?? "US",
+      countryName: override?.countryName ?? "United States",
+      regionCode: override?.regionCode ?? "CA",
+      regionName: override?.regionName ?? "California",
+      city: override?.city ?? "San Francisco",
       isVPN:
         override?.isVPN !== undefined
           ? override.isVPN
@@ -73,15 +73,15 @@ export class GeoRestrictionService {
       mockLocation.restrictionReason = countryRestriction.reason;
     }
 
-    // Check state-level restrictions
-    if (mockLocation.countryCode === "US" && mockLocation.regionCode) {
-      const stateCode = `US-${mockLocation.regionCode}`;
-      const stateRestriction = RESTRICTED.find(
-        (r) => r.code === stateCode && r.type === "STATE",
+    // Check state-level restrictions (generic support for any country)
+    if (mockLocation.regionCode) {
+      const reason = this.getRestrictionReason(
+        mockLocation.countryCode,
+        mockLocation.regionCode,
       );
-      if (stateRestriction) {
+      if (reason) {
         mockLocation.isRestricted = true;
-        mockLocation.restrictionReason = stateRestriction.reason;
+        mockLocation.restrictionReason = reason;
       }
     }
 
@@ -95,7 +95,7 @@ export class GeoRestrictionService {
      */
 
     // Mock: check against a small list of "VPN-like" public IPs (placeholder logic)
-    const vpnIps = ["8.8.8.8", "1.1.1.1"];
+    const vpnIps = ["192.0.2.1", "198.51.100.1"];
     return vpnIps.includes(ip);
   }