Add mobile funded account onboarding state

[Brainoncrack]

Description

Difficulty: Hard

Type: Feature

Summary

Add onboarding state for unfunded or newly created accounts.

Current Behaviour

Users may create a wallet but be unable to transact until the account is funded.

Expected Behaviour

The app should explain account funding status and next steps.

Suggested Implementation

Create UI states for funded, unfunded, unknown, and loading account status.

Files or Areas Likely Affected

app/
src/features/wallet/
src/components/
src/utils/

Acceptance Criteria

• Funding status states are added.
• Unfunded account guidance is shown.
• Unknown state is handled.
• Payment actions are disabled where appropriate.
• SDK assumptions are documented.

Additional Notes

This should align with SDK account funding detection.

[Myart352]

Hi! I'd like to work on #330 – Add mobile funded account onboarding state.

I'll implement a clear onboarding flow that reflects the user's account funding status by introducing dedicated UI states for funded, unfunded, loading, and unknown. The experience will provide appropriate guidance for newly created or unfunded accounts, explaining why transactions are unavailable and what steps users need to take before they can begin using the wallet.

I'll ensure payment-related actions are disabled whenever the account is not ready, while providing informative messaging and graceful fallback behavior instead of dead-end interactions. The implementation will align with the SDK's account funding detection logic and document any capability assumptions to keep the behavior consistent and maintainable.

I'll also add focused tests covering each account state, action gating, onboarding guidance, loading and unknown scenarios, and edge cases to ensure the feature is reliable and easy to review.

I'd be happy to take on this issue.

[grantfox-oss]

🦊 GrantFox — @Myart352 has been assigned to this issue as part of the Official Campaign | FWC26 campaign!

Next steps:

1. Open a Pull Request referencing this issue (e.g., Closes #330)
2. Your PR will be reviewed by the Axionvera maintainers

Good luck! Track your progress on GrantFox.