Description

This PR fixes the Headless Ramps "Add funds" (fiat deposit) flow used by MM Pay for Perps/Money Account deposits. After OTP login the Transak checkout prompted the user to enter a wallet address instead of going straight to payment, and it "fixed itself" on a second attempt.

This is a state-propagation race. startHeadlessBuy seeds the selected token asynchronously via setSelectedToken, but routeAfterAuthentication derived the wallet address from selectedToken?.chainId, which was still undefined on the first pass — so useRampAccountAddress returned null, an empty walletAddress= was sent to Transak, and Transak re-prompted. The fix derives the chain for the wallet address from the headless session's assetId (known synchronously the moment the session is created) and falls back to selectedToken only for the non-headless BuildQuote flow, so the address resolves correctly on the first attempt.

The asset, environment, and feature flags were all correct throughout; this was purely a seeding race.

Changelog

CHANGELOG entry: Fixed the "Add funds" fiat deposit flow (Perps/Money Account): the Transak checkout no longer prompts for a wallet address after OTP login.

Related issues

Fixes: https://consensyssoftware.atlassian.net/browse/TRAM-3598

Manual testing steps

Verified the wallet address now resolves from the headless session assetId on the first attempt.

Feature: Add funds (fiat) for a Perps deposit via Headless Ramps + MM Pay

  Scenario: Transak skips the wallet-address prompt on the first attempt
    Given I have hard-refreshed the mobile app
    And I am logged out of Transak (fresh install)
    When I complete the email + OTP login in the Transak checkout
    Then the checkout goes straight to payment (or add-card details for a new user)
    And it does not prompt me to enter a wallet address

Screenshots/Recordings

Note: Both recordings below were captured after a hard refresh of the app. The hard refresh is what reliably reproduces the "Before" failure on the very first attempt — without it, stale propagated state can mask the bug and make it look like it works.

Before

Captured after a hard refresh — reproduces the wallet-address prompt after OTP on the first attempt.

After

Captured after a hard refresh — with the fix, the first attempt succeeds (Transak skips straight to payment).

Pre-merge author checklist

• I've followed MetaMask Contributor Docs and MetaMask Mobile Coding Standards.
• I've completed the PR template to the best of my ability
• I've included tests if applicable
• I've documented my code using JSDoc format if applicable
• I've applied the right labels on the PR (see labeling guidelines). Not required for external contributors.

Performance checks (if applicable)

• I've tested on Android
  • Ideally on a mid-range device; emulator is acceptable
• I've tested with a power user scenario
  • Use these power-user SRPs to import wallets with many accounts and tokens
• I've instrumented key operations with Sentry traces for production performance metrics
  • See trace() for usage and addToken for an example

For performance guidelines and tooling, see the Performance Guide.

Pre-merge reviewer checklist

• I've manually tested the PR (e.g. pull and build branch, run the app, test code being changed).
• I confirm that this PR addresses all acceptance criteria described in the ticket it closes and includes the necessary testing evidence such as recordings and or screenshots.