From 9f356beec3149a28c8110dbe938483033276c8cd Mon Sep 17 00:00:00 2001
From: "Calum H." <contact@cal.engineer>
Date: Mon, 29 Dec 2025 20:44:18 +0000
Subject: [PATCH] feat: bank acct owner (#4993)

---
 .../withdraw-stages/MuralpayDetailsStage.vue  | 49 ++++++++++++++++++-
 apps/frontend/src/locales/en-US/index.json    |  6 +++
 .../src/providers/creator-withdraw.ts         | 23 +++++++--
 3 files changed, 74 insertions(+), 4 deletions(-)

diff --git a/apps/frontend/src/components/ui/dashboard/withdraw-stages/MuralpayDetailsStage.vue b/apps/frontend/src/components/ui/dashboard/withdraw-stages/MuralpayDetailsStage.vue
index 13eee0c0c..fa56f8b18 100644
--- a/apps/frontend/src/components/ui/dashboard/withdraw-stages/MuralpayDetailsStage.vue
+++ b/apps/frontend/src/components/ui/dashboard/withdraw-stages/MuralpayDetailsStage.vue
@@ -28,7 +28,7 @@
 			</div>
 		</div>
 
-		<div v-if="selectedRail?.type === 'fiat'" class="flex flex-col gap-2.5">
+		<div v-if="selectedRail?.type === 'fiat' && !isBusinessEntity" class="flex flex-col gap-2.5">
 			<label>
 				<span class="text-md font-semibold text-contrast">
 					{{ formatMessage(messages.accountOwner) }}
@@ -46,6 +46,36 @@
 			</div>
 		</div>
 
+		<div v-if="selectedRail?.type === 'fiat' && isBusinessEntity" class="flex flex-col gap-2">
+			<span class="text-md font-semibold text-contrast">
+				{{ formatMessage(messages.bankAccountOwner) }}
+				<span class="text-red">*</span>
+			</span>
+			<span class="text-sm leading-tight text-primary">
+				{{ formatMessage(messages.bankAccountOwnerDescription) }}
+			</span>
+			<div class="flex flex-col gap-3 sm:flex-row sm:gap-4">
+				<div class="flex flex-1 flex-col gap-2.5">
+					<input
+						v-model="formData.bankAccountOwnerFirstName"
+						type="text"
+						:placeholder="formatMessage(formFieldPlaceholders.firstNamePlaceholder)"
+						autocomplete="given-name"
+						class="w-full rounded-[14px] bg-surface-4 px-4 py-3 text-contrast placeholder:text-secondary sm:py-2.5"
+					/>
+				</div>
+				<div class="flex flex-1 flex-col gap-2.5">
+					<input
+						v-model="formData.bankAccountOwnerLastName"
+						type="text"
+						:placeholder="formatMessage(formFieldPlaceholders.lastNamePlaceholder)"
+						autocomplete="family-name"
+						class="w-full rounded-[14px] bg-surface-4 px-4 py-3 text-contrast placeholder:text-secondary sm:py-2.5"
+					/>
+				</div>
+			</div>
+		</div>
+
 		<div v-if="selectedRail?.requiresBankName" class="flex flex-col gap-2.5">
 			<label>
 				<span class="text-md font-semibold text-contrast">
@@ -279,6 +309,8 @@ const existingAmount = withdrawData.value.calculation.amount
 const formData = ref<Record<string, any>>({
 	amount: existingAmount || undefined,
 	bankName: existingAccountDetails?.bankName ?? '',
+	bankAccountOwnerFirstName: existingAccountDetails?.bankAccountOwnerFirstName ?? '',
+	bankAccountOwnerLastName: existingAccountDetails?.bankAccountOwnerLastName ?? '',
 	...existingAccountDetails,
 })
 
@@ -363,6 +395,12 @@ const accountOwnerAddress = computed(() => {
 	return parts.join(', ')
 })
 
+const isBusinessEntity = computed(() => {
+	const providerDataValue = withdrawData.value.providerData
+	if (providerDataValue.type !== 'muralpay') return false
+	return providerDataValue.kycData?.type === 'business'
+})
+
 const allRequiredFieldsFilled = computed(() => {
 	const rail = selectedRail.value
 	if (!rail) return false
@@ -511,5 +549,14 @@ const messages = defineMessages({
 		id: 'dashboard.creator-withdraw-modal.muralpay-details.document-number-tax-id-placeholder',
 		defaultMessage: 'Enter tax ID number',
 	},
+	bankAccountOwner: {
+		id: 'dashboard.creator-withdraw-modal.muralpay-details.bank-account-owner',
+		defaultMessage: 'Bank account owner',
+	},
+	bankAccountOwnerDescription: {
+		id: 'dashboard.creator-withdraw-modal.muralpay-details.bank-account-owner-description',
+		defaultMessage:
+			'Enter the name of the person authorized to operate this bank account on behalf of the business.',
+	},
 })
 </script>
diff --git a/apps/frontend/src/locales/en-US/index.json b/apps/frontend/src/locales/en-US/index.json
index 8b7162151..76fde98bd 100644
--- a/apps/frontend/src/locales/en-US/index.json
+++ b/apps/frontend/src/locales/en-US/index.json
@@ -716,6 +716,12 @@
   "dashboard.creator-withdraw-modal.muralpay-details.account-owner": {
     "message": "Account owner"
   },
+  "dashboard.creator-withdraw-modal.muralpay-details.bank-account-owner": {
+    "message": "Bank account owner"
+  },
+  "dashboard.creator-withdraw-modal.muralpay-details.bank-account-owner-description": {
+    "message": "Enter the name of the person authorized to operate this bank account on behalf of the business."
+  },
   "dashboard.creator-withdraw-modal.muralpay-details.coin": {
     "message": "Coin"
   },
diff --git a/apps/frontend/src/providers/creator-withdraw.ts b/apps/frontend/src/providers/creator-withdraw.ts
index a8d28eb80..65b62a3c3 100644
--- a/apps/frontend/src/providers/creator-withdraw.ts
+++ b/apps/frontend/src/providers/creator-withdraw.ts
@@ -106,6 +106,9 @@ export interface AccountDetails {
 	bankName?: string
 	walletAddress?: string
 	documentNumber?: string
+	// For business entities, the bank account owner (authorized signatory) name
+	bankAccountOwnerFirstName?: string
+	bankAccountOwnerLastName?: string
 	[key: string]: any // for dynamic rail fields
 }
 
@@ -234,11 +237,12 @@ function buildRecipientInfo(kycData: KycData) {
 	}
 }
 
-function getAccountOwnerName(kycData: KycData): string {
+function getAccountOwnerName(kycData: KycData, accountDetails?: AccountDetails): string {
 	if (kycData.type === 'individual') {
 		return `${kycData.firstName} ${kycData.lastName}`
 	}
-	return kycData.name || ''
+	// For business entities, use the authorized signatory's name from accountDetails (required by MuralPay)
+	return `${accountDetails?.bankAccountOwnerFirstName || ''} ${accountDetails?.bankAccountOwnerLastName || ''}`.trim()
 }
 
 function getMethodDisplayName(method: string | null): string {
@@ -358,7 +362,10 @@ function buildPayoutPayload(data: WithdrawData): PayoutPayload {
 					payout_details: {
 						type: 'fiat',
 						bank_name: data.providerData.accountDetails.bankName || '',
-						bank_account_owner: getAccountOwnerName(data.providerData.kycData),
+						bank_account_owner: getAccountOwnerName(
+							data.providerData.kycData,
+							data.providerData.accountDetails,
+						),
 						fiat_and_rail_details: fiatAndRailDetails,
 					},
 					recipient_info: buildRecipientInfo(data.providerData.kycData),
@@ -732,6 +739,16 @@ export function createWithdrawContext(
 
 				if (rail.requiresBankName && !accountDetails.bankName) return false
 
+				// For business entities on fiat rails, require bank account owner name
+				const kycData = withdrawData.value.providerData.kycData
+				if (
+					rail.type === 'fiat' &&
+					kycData?.type === 'business' &&
+					(!accountDetails.bankAccountOwnerFirstName || !accountDetails.bankAccountOwnerLastName)
+				) {
+					return false
+				}
+
 				const requiredFields = rail.fields.filter((f) => f.required)
 				const allRequiredPresent = requiredFields.every((f) => {
 					const value = accountDetails[f.name]