diff --git a/src/app/(mobile-ui)/add-money/[country]/bank/page.tsx b/src/app/(mobile-ui)/add-money/[country]/bank/page.tsx
index eda417834..3e773c247 100644
--- a/src/app/(mobile-ui)/add-money/[country]/bank/page.tsx
+++ b/src/app/(mobile-ui)/add-money/[country]/bank/page.tsx
@@ -30,9 +30,10 @@ import { getLimitsWarningCardProps } from '@/features/limits/utils'
 import { useExchangeRate } from '@/hooks/useExchangeRate'
 import { useMultiPhaseKycFlow } from '@/hooks/useMultiPhaseKycFlow'
 import { SumsubKycModals } from '@/components/Kyc/SumsubKycModals'
+import { InitiateKycModal } from '@/components/Kyc/InitiateKycModal'
 
 // Step type for URL state
-type BridgeBankStep = 'inputAmount' | 'kyc' | 'showDetails'
+type BridgeBankStep = 'inputAmount' | 'showDetails'
 
 export default function OnrampBankPage() {
     const router = useRouter()
@@ -42,7 +43,7 @@ export default function OnrampBankPage() {
     // Example: /add-money/mexico/bank?step=inputAmount&amount=500
     const [urlState, setUrlState] = useQueryStates(
         {
-            step: parseAsStringEnum<BridgeBankStep>(['inputAmount', 'kyc', 'showDetails']),
+            step: parseAsStringEnum<BridgeBankStep>(['inputAmount', 'showDetails']),
             amount: parseAsString,
         },
         { history: 'push' }
@@ -53,6 +54,7 @@ export default function OnrampBankPage() {
 
     // Local UI state (not URL-appropriate - transient)
     const [showWarningModal, setShowWarningModal] = useState<boolean>(false)
+    const [showKycModal, setShowKycModal] = useState<boolean>(false)
     const [isRiskAccepted, setIsRiskAccepted] = useState<boolean>(false)
     const [liveKycStatus, setLiveKycStatus] = useState<BridgeKycStatus | undefined>(undefined)
     const { setError, error, setOnrampData, onrampData } = useOnrampFlow()
@@ -152,30 +154,12 @@ export default function OnrampBankPage() {
         currency: 'USD',
     })
 
-    // Determine initial step based on KYC status (only when URL has no step)
+    // Default to inputAmount step when no step in URL
     useEffect(() => {
-        // If URL already has a step, respect it (allows deep linking)
         if (urlState.step) return
-
-        // Wait for user to be fetched before determining initial step
         if (user === null) return
-
-        const currentKycStatus = liveKycStatus || user?.user.bridgeKycStatus
-        const isUserKycVerified = currentKycStatus === 'approved'
-
-        if (!isUserKycVerified) {
-            setUrlState({ step: 'kyc' })
-        } else {
-            setUrlState({ step: 'inputAmount' })
-        }
-    }, [liveKycStatus, user, urlState.step, setUrlState])
-
-    // Handle KYC completion
-    useEffect(() => {
-        if (urlState.step === 'kyc' && liveKycStatus === 'approved') {
-            setUrlState({ step: 'inputAmount' })
-        }
-    }, [liveKycStatus, urlState.step, setUrlState])
+        setUrlState({ step: 'inputAmount' })
+    }, [user, urlState.step, setUrlState])
 
     const validateAmount = useCallback(
         (amountStr: string): boolean => {
@@ -217,9 +201,17 @@ export default function OnrampBankPage() {
     }, [rawTokenAmount, validateAmount, setError])
 
     const handleAmountContinue = () => {
-        if (validateAmount(rawTokenAmount)) {
-            setShowWarningModal(true)
+        if (!validateAmount(rawTokenAmount)) return
+
+        const currentKycStatus = liveKycStatus || user?.user.bridgeKycStatus
+        const isUserKycVerified = currentKycStatus === 'approved'
+
+        if (!isUserKycVerified) {
+            setShowKycModal(true)
+            return
         }
+
+        setShowWarningModal(true)
     }
 
     const handleWarningConfirm = async () => {
@@ -271,12 +263,6 @@ export default function OnrampBankPage() {
         }
     }
 
-    useEffect(() => {
-        if (urlState.step === 'kyc') {
-            sumsubFlow.handleInitiateKyc('STANDARD')
-        }
-    }, [urlState.step]) // eslint-disable-line react-hooks/exhaustive-deps
-
     // Redirect to inputAmount if showDetails is accessed without required data (deep link / back navigation)
     useEffect(() => {
         if (urlState.step === 'showDetails' && !onrampData?.transferId) {
@@ -303,15 +289,6 @@ export default function OnrampBankPage() {
         return <PeanutLoading />
     }
 
-    if (urlState.step === 'kyc') {
-        return (
-            <div className="flex flex-col justify-start space-y-8">
-                <NavHeader title="Identity Verification" onPrev={handleBack} />
-                <SumsubKycModals flow={sumsubFlow} autoStartSdk />
-            </div>
-        )
-    }
-
     if (urlState.step === 'showDetails') {
         // Show loading while useEffect redirects if data is missing
         if (!onrampData?.transferId) {
@@ -408,6 +385,18 @@ export default function OnrampBankPage() {
                     amount={rawTokenAmount}
                     currency={getCurrencySymbol(getCurrencyConfig(selectedCountry.id, 'onramp').currency)}
                 />
+
+                <InitiateKycModal
+                    visible={showKycModal}
+                    onClose={() => setShowKycModal(false)}
+                    onVerify={async () => {
+                        await sumsubFlow.handleInitiateKyc('STANDARD')
+                        setShowKycModal(false)
+                    }}
+                    isLoading={sumsubFlow.isLoading}
+                />
+
+                <SumsubKycModals flow={sumsubFlow} autoStartSdk />
             </div>
         )
     }
diff --git a/src/app/(mobile-ui)/points/invites/page.tsx b/src/app/(mobile-ui)/points/invites/page.tsx
index 3a543e76f..9285f1396 100644
--- a/src/app/(mobile-ui)/points/invites/page.tsx
+++ b/src/app/(mobile-ui)/points/invites/page.tsx
@@ -86,7 +86,7 @@ const InvitesPage = () => {
                     {invites?.invitees?.map((invite: PointsInvite, i: number) => {
                         const username = invite.username
                         const fullName = invite.fullName
-                        const isVerified = invite.kycStatus === 'approved'
+                        const isVerified = invite.kycVerified
                         const pointsEarned = invite.contributedPoints ?? 0
                         // respect user's showFullName preference for avatar and display name
                         const displayName = invite.showFullName && fullName ? fullName : username
diff --git a/src/app/(mobile-ui)/points/page.tsx b/src/app/(mobile-ui)/points/page.tsx
index 7690531a5..05baf8d35 100644
--- a/src/app/(mobile-ui)/points/page.tsx
+++ b/src/app/(mobile-ui)/points/page.tsx
@@ -238,7 +238,7 @@ const PointsPage = () => {
                             {invites.invitees?.slice(0, 5).map((invite: PointsInvite, i: number) => {
                                 const username = invite.username
                                 const fullName = invite.fullName
-                                const isVerified = invite.kycStatus === 'approved'
+                                const isVerified = invite.kycVerified
                                 const pointsEarned = invite.contributedPoints ?? 0
                                 // respect user's showFullName preference for avatar and display name
                                 const displayName = invite.showFullName && fullName ? fullName : username
diff --git a/src/app/(mobile-ui)/withdraw/manteca/page.tsx b/src/app/(mobile-ui)/withdraw/manteca/page.tsx
index 3b54a8a35..baac44283 100644
--- a/src/app/(mobile-ui)/withdraw/manteca/page.tsx
+++ b/src/app/(mobile-ui)/withdraw/manteca/page.tsx
@@ -461,8 +461,8 @@ export default function MantecaWithdrawFlow() {
                 visible={showKycModal}
                 onClose={() => setShowKycModal(false)}
                 onVerify={async () => {
-                    setShowKycModal(false)
                     await sumsubFlow.handleInitiateKyc('LATAM')
+                    setShowKycModal(false)
                 }}
                 isLoading={sumsubFlow.isLoading}
             />
diff --git a/src/app/actions/users.ts b/src/app/actions/users.ts
index 5929fed25..07e1498ef 100644
--- a/src/app/actions/users.ts
+++ b/src/app/actions/users.ts
@@ -194,6 +194,7 @@ export const confirmBridgeTos = async (): Promise<{ data?: { accepted: boolean }
                 Authorization: `Bearer ${jwtToken}`,
                 'api-key': API_KEY,
             },
+            body: JSON.stringify({}),
         })
         const responseJson = await response.json()
         if (!response.ok) {
diff --git a/src/components/AddMoney/components/MantecaAddMoney.tsx b/src/components/AddMoney/components/MantecaAddMoney.tsx
index c5f88bf6b..eab40ae05 100644
--- a/src/components/AddMoney/components/MantecaAddMoney.tsx
+++ b/src/components/AddMoney/components/MantecaAddMoney.tsx
@@ -194,8 +194,8 @@ const MantecaAddMoney: FC = () => {
                     visible={showKycModal}
                     onClose={() => setShowKycModal(false)}
                     onVerify={async () => {
-                        setShowKycModal(false)
                         await sumsubFlow.handleInitiateKyc('LATAM')
+                        setShowKycModal(false)
                     }}
                     isLoading={sumsubFlow.isLoading}
                 />
diff --git a/src/components/AddWithdraw/AddWithdrawCountriesList.tsx b/src/components/AddWithdraw/AddWithdrawCountriesList.tsx
index 639b02fd2..0472cdffa 100644
--- a/src/components/AddWithdraw/AddWithdrawCountriesList.tsx
+++ b/src/components/AddWithdraw/AddWithdrawCountriesList.tsx
@@ -98,15 +98,16 @@ const AddWithdrawCountriesList = ({ flow }: AddWithdrawCountriesListProps) => {
         payload: AddBankAccountPayload,
         rawData: IBankAccountDetails
     ): Promise<{ error?: string }> => {
-        const currentKycStatus = liveKycStatus || user?.user.bridgeKycStatus
+        // re-fetch user to ensure we have the latest KYC status
+        // (the multi-phase flow may have completed but websocket/state not yet propagated)
+        const freshUser = await fetchUser()
+        const currentKycStatus = freshUser?.user?.bridgeKycStatus || liveKycStatus || user?.user.bridgeKycStatus
         const isUserKycVerified = currentKycStatus === 'approved'
 
-        const hasEmailOnLoad = !!user?.user.email
-
         // scenario (1): happy path: if the user has already completed kyc, we can add the bank account directly
-        // note: we no longer check for fullName as account owner name is now always collected from the form
-        if (isUserKycVerified && (hasEmailOnLoad || rawData.email)) {
-            const currentAccountIds = new Set(user?.accounts.map((acc) => acc.id) ?? [])
+        // email and name are now collected by sumsub — no need to check them here
+        if (isUserKycVerified) {
+            const currentAccountIds = new Set((freshUser?.accounts ?? user?.accounts ?? []).map((acc) => acc.id))
 
             const result = await addBankAccount(payload)
             if (result.error) {
diff --git a/src/components/AddWithdraw/DynamicBankAccountForm.tsx b/src/components/AddWithdraw/DynamicBankAccountForm.tsx
index c94b48157..b0996cdb3 100644
--- a/src/components/AddWithdraw/DynamicBankAccountForm.tsx
+++ b/src/components/AddWithdraw/DynamicBankAccountForm.tsx
@@ -430,12 +430,6 @@ export const DynamicBankAccountForm = forwardRef<{ handleSubmit: () => void }, D
                                 })}
                             </div>
                         )}
-                        {flow !== 'claim' &&
-                            !hideEmailInput &&
-                            !user?.user?.email &&
-                            renderInput('email', 'E-mail', {
-                                required: 'Email is required',
-                            })}
 
                         {isMx
                             ? renderInput('clabe', 'CLABE', {
diff --git a/src/components/Claim/Claim.tsx b/src/components/Claim/Claim.tsx
index 318eba629..cb61325d7 100644
--- a/src/components/Claim/Claim.tsx
+++ b/src/components/Claim/Claim.tsx
@@ -22,6 +22,7 @@ import {
     getTokenLogo,
     getChainLogo,
 } from '@/utils/general.utils'
+import { isUserKycVerified } from '@/constants/kyc.consts'
 import * as Sentry from '@sentry/nextjs'
 import { useQuery } from '@tanstack/react-query'
 import type { Hash } from 'viem'
@@ -189,7 +190,7 @@ export const Claim = ({}) => {
             peanutFeeDetails: {
                 amountDisplay: '$ 0.00',
             },
-            isVerified: claimLinkData.sender?.bridgeKycStatus === 'approved',
+            isVerified: isUserKycVerified(claimLinkData.sender),
             haveSentMoneyToUser: claimLinkData.sender?.userId
                 ? interactions[claimLinkData.sender?.userId] || false
                 : false,
@@ -396,7 +397,7 @@ export const Claim = ({}) => {
     // redirect to bank flow if user is KYC approved and step is bank
     useEffect(() => {
         const stepFromURL = searchParams.get('step')
-        if (user?.user.bridgeKycStatus === 'approved' && stepFromURL === 'bank') {
+        if (isUserKycVerified(user?.user) && stepFromURL === 'bank') {
             setClaimBankFlowStep(ClaimBankFlowStep.BankCountryList)
         }
     }, [user])
diff --git a/src/components/Claim/Link/MantecaFlowManager.tsx b/src/components/Claim/Link/MantecaFlowManager.tsx
index e014c639b..0598ac4b1 100644
--- a/src/components/Claim/Link/MantecaFlowManager.tsx
+++ b/src/components/Claim/Link/MantecaFlowManager.tsx
@@ -120,8 +120,8 @@ const MantecaFlowManager: FC<MantecaFlowManagerProps> = ({ claimLinkData, amount
                 visible={showKycModal}
                 onClose={() => setShowKycModal(false)}
                 onVerify={async () => {
-                    setShowKycModal(false)
                     await sumsubFlow.handleInitiateKyc('LATAM')
+                    setShowKycModal(false)
                 }}
                 isLoading={sumsubFlow.isLoading}
             />
diff --git a/src/components/Global/PostSignupActionManager/index.tsx b/src/components/Global/PostSignupActionManager/index.tsx
index 4c0821810..b58d6143f 100644
--- a/src/components/Global/PostSignupActionManager/index.tsx
+++ b/src/components/Global/PostSignupActionManager/index.tsx
@@ -7,6 +7,7 @@ import ActionModal from '../ActionModal'
 import { POST_SIGNUP_ACTIONS } from './post-signup-action.consts'
 import { type IconName } from '../Icons/Icon'
 import { useAuth } from '@/context/authContext'
+import { isUserKycVerified } from '@/constants/kyc.consts'
 
 export const PostSignupActionManager = ({
     onActionModalVisibilityChange,
@@ -26,7 +27,7 @@ export const PostSignupActionManager = ({
 
     const checkClaimModalAfterKYC = () => {
         const redirectUrl = getRedirectUrl()
-        if (user?.user.bridgeKycStatus === 'approved' && redirectUrl) {
+        if (isUserKycVerified(user?.user) && redirectUrl) {
             const matchedAction = POST_SIGNUP_ACTIONS.find((action) => action.pathPattern.test(redirectUrl))
             if (matchedAction) {
                 setActionConfig({
diff --git a/src/components/Home/HomeCarouselCTA/index.tsx b/src/components/Home/HomeCarouselCTA/index.tsx
index b7867765d..d8a043bda 100644
--- a/src/components/Home/HomeCarouselCTA/index.tsx
+++ b/src/components/Home/HomeCarouselCTA/index.tsx
@@ -8,14 +8,15 @@ import { type IconName } from '@/components/Global/Icons/Icon'
 import { useHomeCarouselCTAs, type CarouselCTA as CarouselCTAType } from '@/hooks/useHomeCarouselCTAs'
 import { perksApi, type PendingPerk } from '@/services/perks'
 import { useAuth } from '@/context/authContext'
+import { BridgeTosStep } from '@/components/Kyc/BridgeTosStep'
 import { useWebSocket } from '@/hooks/useWebSocket'
 import { extractInviteeName } from '@/utils/general.utils'
 import PerkClaimModal from '../PerkClaimModal'
 import underMaintenanceConfig from '@/config/underMaintenance.config'
 
 const HomeCarouselCTA = () => {
-    const { carouselCTAs, setCarouselCTAs } = useHomeCarouselCTAs()
-    const { user } = useAuth()
+    const { carouselCTAs, setCarouselCTAs, showBridgeTos, setShowBridgeTos } = useHomeCarouselCTAs()
+    const { user, fetchUser } = useAuth()
     const queryClient = useQueryClient()
 
     // Perk claim modal state
@@ -89,6 +90,17 @@ const HomeCarouselCTA = () => {
         setSelectedPerk(null)
     }, [])
 
+    // bridge ToS handlers
+    const handleTosComplete = useCallback(async () => {
+        setShowBridgeTos(false)
+        setCarouselCTAs((prev) => prev.filter((c) => c.id !== 'bridge-tos'))
+        await fetchUser()
+    }, [setShowBridgeTos, setCarouselCTAs, fetchUser])
+
+    const handleTosSkip = useCallback(() => {
+        setShowBridgeTos(false)
+    }, [setShowBridgeTos])
+
     // don't render carousel if there are no CTAs
     if (!allCTAs.length) return null
 
@@ -130,6 +142,9 @@ const HomeCarouselCTA = () => {
                     onClaimed={handlePerkClaimed}
                 />
             )}
+
+            {/* Bridge ToS iframe */}
+            <BridgeTosStep visible={showBridgeTos} onComplete={handleTosComplete} onSkip={handleTosSkip} />
         </>
     )
 }
diff --git a/src/components/Home/HomeHistory.tsx b/src/components/Home/HomeHistory.tsx
index 9a5a67c57..0cd6d7027 100644
--- a/src/components/Home/HomeHistory.tsx
+++ b/src/components/Home/HomeHistory.tsx
@@ -15,8 +15,6 @@ import { type CardPosition, getCardPosition } from '../Global/Card/card.utils'
 import EmptyState from '../Global/EmptyStates/EmptyState'
 import { KycStatusItem, isKycStatusItem, type KycHistoryEntry } from '../Kyc/KycStatusItem'
 import { groupKycByRegion } from '@/utils/kyc-grouping.utils'
-import { BridgeTosReminder } from '../Kyc/BridgeTosReminder'
-import { useBridgeTosStatus } from '@/hooks/useBridgeTosStatus'
 import { useWallet } from '@/hooks/wallet/useWallet'
 import { BadgeStatusItem } from '@/components/Badges/BadgeStatusItem'
 import { isBadgeHistoryItem } from '@/components/Badges/badge.types'
@@ -45,8 +43,6 @@ const HomeHistory = ({ username, hideTxnAmount = false }: { username?: string; h
     const { fetchBalance } = useWallet()
     const { triggerHaptic } = useHaptic()
     const { fetchUser } = useAuth()
-    const { needsBridgeTos } = useBridgeTosStatus()
-
     const isViewingOwnHistory = useMemo(
         () => (isLoggedIn && !username) || (isLoggedIn && username === user?.user.username),
         [isLoggedIn, username, user?.user.username]
@@ -251,7 +247,6 @@ const HomeHistory = ({ username, hideTxnAmount = false }: { username?: string; h
         return (
             <div className="mx-auto mt-6 w-full space-y-3 md:max-w-2xl">
                 <h2 className="text-base font-bold">Activity</h2>
-                {isViewingOwnHistory && needsBridgeTos && <BridgeTosReminder />}
                 {isViewingOwnHistory &&
                     user?.user &&
                     (() => {
@@ -290,9 +285,6 @@ const HomeHistory = ({ username, hideTxnAmount = false }: { username?: string; h
 
     return (
         <div className={twMerge('mx-auto w-full space-y-3 md:max-w-2xl md:space-y-3', isLoggedIn ? 'pb-4' : 'pb-0')}>
-            {/* bridge ToS reminder for users who haven't accepted yet */}
-            {isViewingOwnHistory && needsBridgeTos && <BridgeTosReminder />}
-
             {/* link to the full history page */}
             {pendingRequests.length > 0 && (
                 <>
diff --git a/src/components/Kyc/BridgeTosReminder.tsx b/src/components/Kyc/BridgeTosReminder.tsx
deleted file mode 100644
index 7db489a4b..000000000
--- a/src/components/Kyc/BridgeTosReminder.tsx
+++ /dev/null
@@ -1,55 +0,0 @@
-'use client'
-
-import { useState, useCallback } from 'react'
-import Card from '@/components/Global/Card'
-import { Icon } from '@/components/Global/Icons/Icon'
-import { BridgeTosStep } from '@/components/Kyc/BridgeTosStep'
-import { useAuth } from '@/context/authContext'
-import { type CardPosition } from '@/components/Global/Card/card.utils'
-
-interface BridgeTosReminderProps {
-    position?: CardPosition
-}
-
-// shown in the activity feed when user has bridge rails needing ToS acceptance.
-// clicking opens the bridge ToS flow.
-export const BridgeTosReminder = ({ position = 'single' }: BridgeTosReminderProps) => {
-    const { fetchUser } = useAuth()
-    const [showTosStep, setShowTosStep] = useState(false)
-    const [tosJustAccepted, setTosJustAccepted] = useState(false)
-
-    const handleClick = useCallback(() => {
-        setShowTosStep(true)
-    }, [])
-
-    const handleComplete = useCallback(async () => {
-        setShowTosStep(false)
-        setTosJustAccepted(true) // optimistically hide — backend rail transition is async
-        await fetchUser()
-    }, [fetchUser])
-
-    const handleSkip = useCallback(() => {
-        setShowTosStep(false)
-    }, [])
-
-    if (tosJustAccepted) return null
-
-    return (
-        <>
-            <Card position={position} onClick={handleClick} className="cursor-pointer">
-                <div className="flex items-center gap-3 p-3">
-                    <div className="flex size-10 items-center justify-center rounded-full bg-yellow-1">
-                        <Icon name="alert" className="size-5 text-black" />
-                    </div>
-                    <div className="flex-1">
-                        <p className="text-sm font-bold">Accept terms of service</p>
-                        <p className="text-xs text-grey-1">Required to enable bank transfers</p>
-                    </div>
-                    <Icon name="chevron-up" className="size-4 rotate-90 text-grey-1" />
-                </div>
-            </Card>
-
-            <BridgeTosStep visible={showTosStep} onComplete={handleComplete} onSkip={handleSkip} />
-        </>
-    )
-}
diff --git a/src/components/Kyc/BridgeTosStep.tsx b/src/components/Kyc/BridgeTosStep.tsx
index 12152dbb3..bba3ca60c 100644
--- a/src/components/Kyc/BridgeTosStep.tsx
+++ b/src/components/Kyc/BridgeTosStep.tsx
@@ -4,8 +4,9 @@ import { useState, useCallback, useEffect } from 'react'
 import ActionModal from '@/components/Global/ActionModal'
 import IframeWrapper from '@/components/Global/IframeWrapper'
 import { type IconName } from '@/components/Global/Icons/Icon'
-import { getBridgeTosLink, confirmBridgeTos } from '@/app/actions/users'
+import { getBridgeTosLink } from '@/app/actions/users'
 import { useAuth } from '@/context/authContext'
+import { confirmBridgeTosAndAwaitRails } from '@/hooks/useMultiPhaseKycFlow'
 
 interface BridgeTosStepProps {
     visible: boolean
@@ -62,29 +63,9 @@ export const BridgeTosStep = ({ visible, onComplete, onSkip }: BridgeTosStepProp
             setShowIframe(false)
 
             if (source === 'tos_accepted') {
-                // confirm with backend that bridge actually accepted the ToS
-                const result = await confirmBridgeTos()
-
-                if (result.data?.accepted) {
-                    await fetchUser()
-                    onComplete()
-                    return
-                }
-
-                // bridge hasn't registered acceptance yet — poll once after a short delay
-                await new Promise((resolve) => setTimeout(resolve, 2000))
-                const retry = await confirmBridgeTos()
-
-                if (retry.data?.accepted) {
-                    await fetchUser()
-                    onComplete()
-                } else {
-                    // will be caught by poller/webhook eventually
-                    await fetchUser()
-                    onComplete()
-                }
+                await confirmBridgeTosAndAwaitRails(fetchUser)
+                onComplete()
             } else {
-                // user closed without accepting — skip, activity feed will remind them
                 onSkip()
             }
         },
diff --git a/src/components/Kyc/CountryRegionRow.tsx b/src/components/Kyc/CountryRegionRow.tsx
index 00519a908..aa247b36d 100644
--- a/src/components/Kyc/CountryRegionRow.tsx
+++ b/src/components/Kyc/CountryRegionRow.tsx
@@ -4,9 +4,10 @@ import { CountryFlagAndName } from './CountryFlagAndName'
 interface CountryRegionRowProps {
     countryCode?: string | null
     isBridge?: boolean
+    hideBottomBorder?: boolean
 }
 
-export const CountryRegionRow = ({ countryCode, isBridge }: CountryRegionRowProps) => {
+export const CountryRegionRow = ({ countryCode, isBridge, hideBottomBorder }: CountryRegionRowProps) => {
     if (!isBridge && !countryCode) {
         return null
     }
@@ -15,6 +16,7 @@ export const CountryRegionRow = ({ countryCode, isBridge }: CountryRegionRowProp
         <PaymentInfoRow
             label="Country/Region"
             value={<CountryFlagAndName countryCode={countryCode ?? ''} isBridgeRegion={isBridge} />}
+            hideBottomBorder={hideBottomBorder}
         />
     )
 }
diff --git a/src/components/Kyc/KycFailedContent.tsx b/src/components/Kyc/KycFailedContent.tsx
new file mode 100644
index 000000000..18151263f
--- /dev/null
+++ b/src/components/Kyc/KycFailedContent.tsx
@@ -0,0 +1,24 @@
+import { RejectLabelsList } from './RejectLabelsList'
+import InfoCard from '@/components/Global/InfoCard'
+
+interface KycFailedContentProps {
+    rejectLabels?: string[] | null
+    isTerminal: boolean
+}
+
+// shared rejection details — used by both KycFailed (drawer) and KycFailedModal.
+// renders reject labels (non-terminal) or terminal error info card.
+export const KycFailedContent = ({ rejectLabels, isTerminal }: KycFailedContentProps) => {
+    if (isTerminal) {
+        return (
+            <InfoCard
+                variant="error"
+                icon="error"
+                iconClassName="text-error"
+                description="Your verification cannot be retried. Please contact support for help."
+            />
+        )
+    }
+
+    return <RejectLabelsList rejectLabels={rejectLabels} />
+}
diff --git a/src/components/Kyc/KycStatusDrawer.tsx b/src/components/Kyc/KycStatusDrawer.tsx
index 25f2249a9..3c6c9acf6 100644
--- a/src/components/Kyc/KycStatusDrawer.tsx
+++ b/src/components/Kyc/KycStatusDrawer.tsx
@@ -1,6 +1,7 @@
 import { KycActionRequired } from './states/KycActionRequired'
 import { KycCompleted } from './states/KycCompleted'
 import { KycFailed } from './states/KycFailed'
+import { KycNotStarted } from './states/KycNotStarted'
 import { KycProcessing } from './states/KycProcessing'
 import { KycRequiresDocuments } from './states/KycRequiresDocuments'
 import { SumsubKycModals } from '@/components/Kyc/SumsubKycModals'
@@ -11,6 +12,7 @@ import { useUserStore } from '@/redux/hooks'
 import { useMultiPhaseKycFlow } from '@/hooks/useMultiPhaseKycFlow'
 import { getKycStatusCategory, isKycStatusNotStarted } from '@/constants/kyc.consts'
 import { type KYCRegionIntent } from '@/app/actions/types/sumsub.types'
+import { useCallback } from 'react'
 
 interface KycStatusDrawerProps {
     isOpen: boolean
@@ -18,10 +20,19 @@ interface KycStatusDrawerProps {
     verification?: IUserKycVerification
     bridgeKycStatus?: BridgeKycStatus
     region?: 'STANDARD' | 'LATAM'
+    /** keep this component mounted even after drawer closes (so SumsubKycModals persists) */
+    onKeepMounted?: (keep: boolean) => void
 }
 
 // this component determines which kyc state to show inside the drawer and fetches rejection reasons if the kyc has failed.
-export const KycStatusDrawer = ({ isOpen, onClose, verification, bridgeKycStatus, region }: KycStatusDrawerProps) => {
+export const KycStatusDrawer = ({
+    isOpen,
+    onClose,
+    verification,
+    bridgeKycStatus,
+    region,
+    onKeepMounted,
+}: KycStatusDrawerProps) => {
     const { user } = useUserStore()
 
     const status = verification ? verification.status : bridgeKycStatus
@@ -34,19 +45,35 @@ export const KycStatusDrawer = ({ isOpen, onClose, verification, bridgeKycStatus
         verification?.provider === 'SUMSUB' ? verification?.metadata?.regionIntent : undefined
     ) as KYCRegionIntent | undefined
 
+    // close drawer and release the keep-mounted hold
+    const handleFlowDone = useCallback(() => {
+        onClose()
+        onKeepMounted?.(false)
+    }, [onClose, onKeepMounted])
+
     const sumsubFlow = useMultiPhaseKycFlow({
-        onKycSuccess: onClose,
-        onManualClose: onClose,
+        onKycSuccess: handleFlowDone,
+        onManualClose: handleFlowDone,
         // don't pass regionIntent for completed kyc — prevents the mount effect
         // in useSumsubKycFlow from calling initiateSumsubKyc(), which triggers
         // the undefined->APPROVED transition that auto-closes the drawer
         regionIntent: statusCategory === 'completed' ? undefined : sumsubRegionIntent,
     })
 
-    // all kyc retries now go through sumsub
-    const onRetry = async () => {
-        await sumsubFlow.handleInitiateKyc()
-    }
+    // close drawer but keep mounted so SumsubKycModals persists, then start kyc
+    const closeAndStartKyc = useCallback(
+        async (regionIntent?: KYCRegionIntent, levelName?: string) => {
+            onKeepMounted?.(true)
+            onClose()
+            try {
+                await sumsubFlow.handleInitiateKyc(regionIntent, levelName)
+            } catch (e) {
+                onKeepMounted?.(false)
+                throw e
+            }
+        },
+        [onKeepMounted, onClose, sumsubFlow]
+    )
 
     // check if any bridge rail needs additional documents
     const bridgeRailsNeedingDocs = (user?.rails ?? []).filter(
@@ -69,11 +96,18 @@ export const KycStatusDrawer = ({ isOpen, onClose, verification, bridgeKycStatus
     const sumsubFailureCount =
         user?.user?.kycVerifications?.filter((v) => v.provider === 'SUMSUB' && v.status === 'REJECTED').length ?? 0
 
-    const handleSubmitAdditionalDocs = async () => {
-        await sumsubFlow.handleInitiateKyc(undefined, 'peanut-additional-docs')
-    }
+    const handleSubmitAdditionalDocs = useCallback(
+        () => closeAndStartKyc(undefined, 'peanut-additional-docs'),
+        [closeAndStartKyc]
+    )
 
     const renderContent = () => {
+        // user initiated kyc but abandoned before submitting — close drawer visually
+        // but keep component mounted so SumsubKycModals persists for the SDK flow
+        if (verification && isKycStatusNotStarted(status)) {
+            return <KycNotStarted onResume={closeAndStartKyc} />
+        }
+
         // bridge additional document requirement — but don't mask terminal kyc states
         if (needsAdditionalDocs && statusCategory !== 'failed' && statusCategory !== 'action_required') {
             return (
@@ -99,18 +133,13 @@ export const KycStatusDrawer = ({ isOpen, onClose, verification, bridgeKycStatus
                     <KycCompleted
                         bridgeKycApprovedAt={verification?.approvedAt ?? user?.user?.bridgeKycApprovedAt}
                         countryCode={countryCode ?? undefined}
-                        isBridge={isBridgeKyc}
-                        rails={user?.rails?.filter((r) => {
-                            if (region === 'STANDARD') return r.rail.provider.code === 'BRIDGE'
-                            if (region === 'LATAM') return r.rail.provider.code === 'MANTECA'
-                            return true
-                        })}
+                        isBridge={isBridgeKyc || region === 'STANDARD'}
                     />
                 )
             case 'action_required':
                 return (
                     <KycActionRequired
-                        onResume={onRetry}
+                        onResume={closeAndStartKyc}
                         isLoading={sumsubFlow.isLoading}
                         rejectLabels={verification?.rejectLabels}
                     />
@@ -126,7 +155,7 @@ export const KycStatusDrawer = ({ isOpen, onClose, verification, bridgeKycStatus
                         bridgeKycRejectedAt={verification?.updatedAt ?? user?.user?.bridgeKycRejectedAt}
                         countryCode={countryCode ?? undefined}
                         isBridge={isBridgeKyc}
-                        onRetry={onRetry}
+                        onRetry={closeAndStartKyc}
                         isLoading={sumsubFlow.isLoading}
                     />
                 )
diff --git a/src/components/Kyc/KycStatusItem.tsx b/src/components/Kyc/KycStatusItem.tsx
index 359e53a1f..45e04b036 100644
--- a/src/components/Kyc/KycStatusItem.tsx
+++ b/src/components/Kyc/KycStatusItem.tsx
@@ -51,6 +51,9 @@ export const KycStatusItem = ({
     const { user } = useUserStore()
     const [isDrawerOpen, setIsDrawerOpen] = useState(false)
     const [wsBridgeKycStatus, setWsBridgeKycStatus] = useState<BridgeKycStatus | undefined>(undefined)
+    // keep drawer component mounted when SDK flow is active (so SumsubKycModals persists
+    // even after the drawer visually closes)
+    const [keepDrawerMounted, setKeepDrawerMounted] = useState(false)
 
     const handleCloseDrawer = useCallback(() => {
         setIsDrawerOpen(false)
@@ -77,11 +80,11 @@ export const KycStatusItem = ({
     const isInitiatedButNotStarted = !!verification && isKycStatusNotStarted(kycStatus)
 
     const subtitle = useMemo(() => {
-        if (isInitiatedButNotStarted) return 'In progress'
+        if (isInitiatedButNotStarted) return 'Not completed'
         if (isActionRequired) return 'Action needed'
-        if (isPending) return 'Under review'
-        if (isApproved) return 'Approved'
-        if (isRejected) return 'Rejected'
+        if (isPending) return 'Processing'
+        if (isApproved) return 'Completed'
+        if (isRejected) return 'Failed'
         return 'Unknown'
     }, [isInitiatedButNotStarted, isActionRequired, isPending, isApproved, isRejected])
 
@@ -127,13 +130,14 @@ export const KycStatusItem = ({
                 </div>
             </Card>
 
-            {isDrawerOpen && (
+            {(isDrawerOpen || keepDrawerMounted) && (
                 <KycStatusDrawer
                     isOpen={isDrawerOpen}
                     onClose={handleCloseDrawer}
                     verification={verification}
                     bridgeKycStatus={finalBridgeKycStatus}
                     region={region}
+                    onKeepMounted={setKeepDrawerMounted}
                 />
             )}
         </>
diff --git a/src/components/Kyc/modals/KycRejectedModal.tsx b/src/components/Kyc/modals/KycFailedModal.tsx
similarity index 64%
rename from src/components/Kyc/modals/KycRejectedModal.tsx
rename to src/components/Kyc/modals/KycFailedModal.tsx
index 9d2aece39..ab3a1f12d 100644
--- a/src/components/Kyc/modals/KycRejectedModal.tsx
+++ b/src/components/Kyc/modals/KycFailedModal.tsx
@@ -1,11 +1,10 @@
 import { useMemo } from 'react'
 import ActionModal from '@/components/Global/ActionModal'
-import InfoCard from '@/components/Global/InfoCard'
-import { RejectLabelsList } from '../RejectLabelsList'
+import { KycFailedContent } from '../KycFailedContent'
 import { isTerminalRejection } from '@/constants/sumsub-reject-labels.consts'
 import { useModalsContext } from '@/context/ModalsContext'
 
-interface KycRejectedModalProps {
+interface KycFailedModalProps {
     visible: boolean
     onClose: () => void
     onRetry: () => void
@@ -16,7 +15,7 @@ interface KycRejectedModalProps {
 }
 
 // shown when user clicks a locked region while their kyc is rejected
-export const KycRejectedModal = ({
+export const KycFailedModal = ({
     visible,
     onClose,
     onRetry,
@@ -24,7 +23,7 @@ export const KycRejectedModal = ({
     rejectLabels,
     rejectType,
     failureCount,
-}: KycRejectedModalProps) => {
+}: KycFailedModalProps) => {
     const { setIsSupportModalOpen } = useModalsContext()
 
     const isTerminal = useMemo(
@@ -36,24 +35,13 @@ export const KycRejectedModal = ({
         <ActionModal
             visible={visible}
             onClose={onClose}
-            icon={isTerminal ? 'lock' : 'alert'}
-            iconContainerClassName={isTerminal ? 'bg-red-1' : 'bg-yellow-1'}
+            icon={'alert'}
+            iconContainerClassName="bg-yellow-1"
             title={isTerminal ? 'Verification failed' : 'Verification unsuccessful'}
-            description={
-                isTerminal
-                    ? 'Your verification cannot be retried.'
-                    : 'Your verification was not successful. You can try again.'
-            }
+            description={!isTerminal && 'Your verification was not successful. You can try again.'}
             content={
-                <div className="w-full space-y-3">
-                    <RejectLabelsList rejectLabels={rejectLabels} />
-                    {isTerminal && (
-                        <InfoCard
-                            variant="error"
-                            icon="lock"
-                            description="Your verification cannot be retried. Please contact support for help."
-                        />
-                    )}
+                <div className="w-full">
+                    <KycFailedContent rejectLabels={rejectLabels} isTerminal={isTerminal} />
                 </div>
             }
             ctas={[
diff --git a/src/components/Kyc/states/KycCompleted.tsx b/src/components/Kyc/states/KycCompleted.tsx
index f1fc3a79d..0c59259b9 100644
--- a/src/components/Kyc/states/KycCompleted.tsx
+++ b/src/components/Kyc/states/KycCompleted.tsx
@@ -6,8 +6,6 @@ import { formatDate } from '@/utils/general.utils'
 import { CountryRegionRow } from '../CountryRegionRow'
 import Image from 'next/image'
 import { STAR_STRAIGHT_ICON } from '@/assets'
-import { type IUserRail } from '@/interfaces'
-import { getCurrencyFlagUrl } from '@/constants/countryCurrencyMapping'
 
 // @dev TODO: Remove hardcoded KYC points - this should come from backend
 // See comment in KycStatusItem.tsx for proper implementation plan
@@ -18,12 +16,10 @@ export const KycCompleted = ({
     bridgeKycApprovedAt,
     countryCode,
     isBridge,
-    rails,
 }: {
     bridgeKycApprovedAt?: string
     countryCode?: string | null
     isBridge?: boolean
-    rails?: IUserRail[]
 }) => {
     const verifiedOn = useMemo(() => {
         if (!bridgeKycApprovedAt) return 'N/A'
@@ -35,8 +31,6 @@ export const KycCompleted = ({
         }
     }, [bridgeKycApprovedAt])
 
-    const enabledRails = useMemo(() => (rails ?? []).filter((r) => r.status === 'ENABLED'), [rails])
-
     return (
         <div className="space-y-4">
             <KYCStatusDrawerItem status="completed" />
@@ -54,32 +48,6 @@ export const KycCompleted = ({
                 />
                 <PaymentInfoRow label="Status" value="You are now verified. Enjoy Peanut!" hideBottomBorder />
             </Card>
-            {enabledRails.length > 0 && (
-                <Card position="single">
-                    {enabledRails.map((r, index) => (
-                        <PaymentInfoRow
-                            key={r.id}
-                            label={
-                                <div className="flex items-center gap-2">
-                                    {getCurrencyFlagUrl(r.rail.method.currency) && (
-                                        <Image
-                                            src={getCurrencyFlagUrl(r.rail.method.currency)!}
-                                            alt={`${r.rail.method.currency} flag`}
-                                            width={80}
-                                            height={80}
-                                            className="h-4 w-4 rounded-full object-cover object-center"
-                                            loading="lazy"
-                                        />
-                                    )}
-                                    <span>{r.rail.method.name}</span>
-                                </div>
-                            }
-                            value={r.rail.method.currency}
-                            hideBottomBorder={index === enabledRails.length - 1}
-                        />
-                    ))}
-                </Card>
-            )}
         </div>
     )
 }
diff --git a/src/components/Kyc/states/KycFailed.tsx b/src/components/Kyc/states/KycFailed.tsx
index 991ff9a3f..493a4ef8b 100644
--- a/src/components/Kyc/states/KycFailed.tsx
+++ b/src/components/Kyc/states/KycFailed.tsx
@@ -1,9 +1,8 @@
 import { Button } from '@/components/0_Bruddle/Button'
 import { PaymentInfoRow } from '@/components/Payment/PaymentInfoRow'
 import { KYCStatusDrawerItem } from '../KYCStatusDrawerItem'
-import { RejectLabelsList } from '../RejectLabelsList'
+import { KycFailedContent } from '../KycFailedContent'
 import Card from '@/components/Global/Card'
-import InfoCard from '@/components/Global/InfoCard'
 import { useMemo } from 'react'
 import { formatDate } from '@/utils/general.utils'
 import { CountryRegionRow } from '../CountryRegionRow'
@@ -54,39 +53,34 @@ export const KycFailed = ({
         [isSumsub, rejectType, failureCount, rejectLabels]
     )
 
-    // formatted bridge reason (legacy display)
-    const formattedBridgeReason = useMemo(() => {
-        const reasonText = bridgeReason || 'There was an issue. Contact Support.'
-        const lines = reasonText.split(/\\n|\n/).filter((line) => line.trim() !== '')
-        if (lines.length === 1) return reasonText
-        return (
-            <ul className="list-disc space-y-1 pl-4">
-                {lines.map((line, index) => (
-                    <li key={index}>{line}</li>
-                ))}
-            </ul>
-        )
-    }, [bridgeReason])
+    // determine which row is last in the card for border handling
+    const hasCountryRow = isBridge || !!countryCode
+    const hasReasonRow = !isSumsub
 
     return (
         <div className="space-y-4">
             <KYCStatusDrawerItem status="failed" />
 
-            <Card position="single">
-                <PaymentInfoRow label="Rejected on" value={rejectedOn} />
-                <CountryRegionRow countryCode={countryCode} isBridge={isBridge} />
-                {!isSumsub && <PaymentInfoRow label="Reason" value={formattedBridgeReason} hideBottomBorder />}
+            <Card position="single" className="py-0">
+                <PaymentInfoRow
+                    label="Rejected on"
+                    value={rejectedOn}
+                    hideBottomBorder={!hasCountryRow && !hasReasonRow}
+                />
+                <CountryRegionRow countryCode={countryCode} isBridge={isBridge} hideBottomBorder={!hasReasonRow} />
+                {hasReasonRow && (
+                    <PaymentInfoRow
+                        label="Reason"
+                        value={bridgeReason || 'There was an issue. Contact Support.'}
+                        hideBottomBorder
+                    />
+                )}
             </Card>
 
-            {isSumsub && <RejectLabelsList rejectLabels={rejectLabels} />}
+            {isSumsub && <KycFailedContent rejectLabels={rejectLabels} isTerminal={isTerminal} />}
 
             {isTerminal ? (
-                <div className="space-y-3">
-                    <InfoCard
-                        variant="error"
-                        icon="lock"
-                        description="Your verification cannot be retried. Please contact support for help."
-                    />
+                <div className="p-1">
                     {/* TODO: auto-create crisp support ticket on terminal rejection */}
                     <Button
                         variant="purple"
diff --git a/src/components/Kyc/states/KycNotStarted.tsx b/src/components/Kyc/states/KycNotStarted.tsx
new file mode 100644
index 000000000..cb649ade9
--- /dev/null
+++ b/src/components/Kyc/states/KycNotStarted.tsx
@@ -0,0 +1,23 @@
+import InfoCard from '@/components/Global/InfoCard'
+import { KYCStatusDrawerItem } from '../KYCStatusDrawerItem'
+import { Button } from '@/components/0_Bruddle/Button'
+
+// shown when user initiated kyc but abandoned before submitting documents.
+// provides a cta to resume the verification flow.
+export const KycNotStarted = ({ onResume, isLoading }: { onResume: () => void; isLoading?: boolean }) => {
+    return (
+        <div className="space-y-4 p-1">
+            <KYCStatusDrawerItem status="pending" customText="Not completed" />
+
+            <InfoCard
+                variant="info"
+                description="Your verification isn't complete yet. Continue where you left off to enable bank transfers and QR
+                payments."
+            />
+
+            <Button className="w-full" shadowSize="4" onClick={onResume} disabled={isLoading}>
+                {isLoading ? 'Loading...' : 'Continue verification'}
+            </Button>
+        </div>
+    )
+}
diff --git a/src/components/Profile/components/PublicProfile.tsx b/src/components/Profile/components/PublicProfile.tsx
index ef6137a33..8fbeba0da 100644
--- a/src/components/Profile/components/PublicProfile.tsx
+++ b/src/components/Profile/components/PublicProfile.tsx
@@ -15,7 +15,7 @@ import { checkIfInternalNavigation } from '@/utils/general.utils'
 import { useAuth } from '@/context/authContext'
 import ShareButton from '@/components/Global/ShareButton'
 import ActionModal from '@/components/Global/ActionModal'
-import { MantecaKycStatus } from '@/interfaces'
+import { isUserKycVerified } from '@/constants/kyc.consts'
 import BadgesRow from '@/components/Badges/BadgesRow'
 
 interface PublicProfileProps {
@@ -54,14 +54,7 @@ const PublicProfile: React.FC<PublicProfileProps> = ({ username, isLoggedIn = fa
             if (apiUser?.fullName) setFullName(apiUser.fullName)
             // get the profile owner's showFullName preference
             setShowFullName(apiUser?.showFullName ?? false)
-            if (
-                apiUser?.bridgeKycStatus === 'approved' ||
-                apiUser?.kycVerifications?.some((v) => v.status === MantecaKycStatus.ACTIVE)
-            ) {
-                setIsKycVerified(true)
-            } else {
-                setIsKycVerified(false)
-            }
+            setIsKycVerified(isUserKycVerified(apiUser))
             // to check if the logged in user has sent money to the profile user,
             // we check the amount that the profile user has received from the logged in user.
             if (apiUser?.totalUsdReceivedFromCurrentUser) {
diff --git a/src/components/Profile/views/ProfileEdit.view.tsx b/src/components/Profile/views/ProfileEdit.view.tsx
index 442d47dc9..b7fac0170 100644
--- a/src/components/Profile/views/ProfileEdit.view.tsx
+++ b/src/components/Profile/views/ProfileEdit.view.tsx
@@ -14,7 +14,7 @@ import useKycStatus from '@/hooks/useKycStatus'
 export const ProfileEditView = () => {
     const router = useRouter()
     const { user, fetchUser } = useAuth()
-    const { isUserBridgeKycApproved } = useKycStatus()
+    const { isUserKycApproved } = useKycStatus()
 
     const [isLoading, setIsLoading] = useState(false)
     const [errorMessage, setErrorMessage] = useState('')
@@ -115,7 +115,7 @@ export const ProfileEditView = () => {
         <div className="space-y-8">
             <NavHeader title="Edit Profile" onPrev={() => router.push('/profile')} />
 
-            <ProfileHeader name={fullName} username={username} isVerified={isUserBridgeKycApproved} />
+            <ProfileHeader name={fullName} username={username} isVerified={isUserKycApproved} />
 
             <div className="space-y-4">
                 <ProfileEditField
@@ -123,7 +123,7 @@ export const ProfileEditView = () => {
                     value={formData.name}
                     onChange={(value) => handleChange('name', value)}
                     placeholder="Add your name"
-                    disabled={user?.user.bridgeKycStatus === 'approved'}
+                    disabled={isUserKycApproved}
                 />
 
                 <ProfileEditField
@@ -131,7 +131,7 @@ export const ProfileEditView = () => {
                     value={formData.surname}
                     onChange={(value) => handleChange('surname', value)}
                     placeholder="Add your surname"
-                    disabled={user?.user.bridgeKycStatus === 'approved'}
+                    disabled={isUserKycApproved}
                 />
 
                 <ProfileEditField
diff --git a/src/components/Profile/views/RegionsVerification.view.tsx b/src/components/Profile/views/RegionsVerification.view.tsx
index 5fe754743..fdd051eb5 100644
--- a/src/components/Profile/views/RegionsVerification.view.tsx
+++ b/src/components/Profile/views/RegionsVerification.view.tsx
@@ -9,7 +9,7 @@ import StartVerificationModal from '@/components/IdentityVerification/StartVerif
 import { SumsubKycModals } from '@/components/Kyc/SumsubKycModals'
 import { KycProcessingModal } from '@/components/Kyc/modals/KycProcessingModal'
 import { KycActionRequiredModal } from '@/components/Kyc/modals/KycActionRequiredModal'
-import { KycRejectedModal } from '@/components/Kyc/modals/KycRejectedModal'
+import { KycFailedModal } from '@/components/Kyc/modals/KycFailedModal'
 import { useIdentityVerification, getRegionIntent, type Region } from '@/hooks/useIdentityVerification'
 import useUnifiedKycStatus from '@/hooks/useUnifiedKycStatus'
 import { useMultiPhaseKycFlow } from '@/hooks/useMultiPhaseKycFlow'
@@ -162,7 +162,7 @@ const RegionsVerification = () => {
                 rejectLabels={sumsubRejectLabels}
             />
 
-            <KycRejectedModal
+            <KycFailedModal
                 visible={modalVariant === 'rejected'}
                 onClose={handleModalClose}
                 onRetry={handleResubmitKyc}
diff --git a/src/components/Request/direct-request/views/Initial.direct.request.view.tsx b/src/components/Request/direct-request/views/Initial.direct.request.view.tsx
index c25bc440d..80cb02e01 100644
--- a/src/components/Request/direct-request/views/Initial.direct.request.view.tsx
+++ b/src/components/Request/direct-request/views/Initial.direct.request.view.tsx
@@ -21,6 +21,7 @@ import { useRouter } from 'next/navigation'
 import { useCallback, useContext, useEffect, useMemo, useState } from 'react'
 import { useUserInteractions } from '@/hooks/useUserInteractions'
 import { useUserByUsername } from '@/hooks/useUserByUsername'
+import { isUserKycVerified } from '@/constants/kyc.consts'
 
 interface DirectRequestInitialViewProps {
     username: string
@@ -216,7 +217,7 @@ const DirectRequestInitialView = ({ username }: DirectRequestInitialViewProps) =
                     recipientType={'USERNAME'}
                     username={recipientUser?.username || username}
                     fullName={recipientUser?.fullName}
-                    isVerified={recipientUser?.bridgeKycStatus === 'approved'}
+                    isVerified={isUserKycVerified(recipientUser)}
                     haveSentMoneyToUser={recipientUser?.userId ? interactions[recipientUser.userId] || false : false}
                 />
 
diff --git a/src/components/Send/views/Contacts.view.tsx b/src/components/Send/views/Contacts.view.tsx
index 148b4e59b..73efbc09f 100644
--- a/src/components/Send/views/Contacts.view.tsx
+++ b/src/components/Send/views/Contacts.view.tsx
@@ -13,6 +13,7 @@ import PeanutLoading from '@/components/Global/PeanutLoading'
 import EmptyState from '@/components/Global/EmptyStates/EmptyState'
 import { Button } from '@/components/0_Bruddle/Button'
 import { useDebounce } from '@/hooks/useDebounce'
+import { isUserKycVerified } from '@/constants/kyc.consts'
 import { ContactsListSkeleton } from '@/components/Common/ContactsListSkeleton'
 
 export default function ContactsView() {
@@ -138,7 +139,7 @@ export default function ContactsView() {
                             <h2 className="text-base font-bold">Your contacts</h2>
                             <div className="flex-1 space-y-0 overflow-y-auto">
                                 {contacts.map((contact, index) => {
-                                    const isVerified = contact.bridgeKycStatus === 'approved'
+                                    const isVerified = isUserKycVerified(contact)
                                     const displayName = contact.showFullName
                                         ? contact.fullName || contact.username
                                         : contact.username
diff --git a/src/constants/kyc.consts.ts b/src/constants/kyc.consts.ts
index f8fc5d507..d35557a54 100644
--- a/src/constants/kyc.consts.ts
+++ b/src/constants/kyc.consts.ts
@@ -31,6 +31,25 @@ const SUMSUB_IN_PROGRESS_STATUSES: ReadonlySet<string> = new Set(['PENDING', 'IN
 export const isKycStatusApproved = (status: string | undefined | null): boolean =>
     !!status && APPROVED_STATUSES.has(status)
 
+/**
+ * check if a user (from API data) has completed kyc with any provider.
+ * works with user objects from getUserById, contacts, senders, recipients, etc.
+ * for current user, prefer useUnifiedKycStatus hook instead.
+ */
+export function isUserKycVerified(
+    user:
+        | {
+              bridgeKycStatus?: string | null
+              kycVerifications?: Array<{ status: string }> | null
+          }
+        | null
+        | undefined
+): boolean {
+    if (!user) return false
+    if (user.bridgeKycStatus === 'approved') return true
+    return user.kycVerifications?.some((v) => isKycStatusApproved(v.status)) ?? false
+}
+
 /** check if a kyc status represents a failed/rejected state */
 export const isKycStatusFailed = (status: string | undefined | null): boolean => !!status && FAILED_STATUSES.has(status)
 
diff --git a/src/constants/sumsub-reject-labels.consts.ts b/src/constants/sumsub-reject-labels.consts.ts
index ab641bd76..948ce2f3f 100644
--- a/src/constants/sumsub-reject-labels.consts.ts
+++ b/src/constants/sumsub-reject-labels.consts.ts
@@ -3,12 +3,50 @@ interface RejectLabelInfo {
     description: string
 }
 
-// map of sumsub reject labels to user-friendly descriptions
+// map of sumsub reject labels to user-friendly descriptions.
+// source: https://docs.sumsub.com/reference/rejected
+// source: https://docs.sumsub.com/reference/resubmission-requested
 const REJECT_LABEL_MAP: Record<string, RejectLabelInfo> = {
+    // --- data & address issues ---
+    PROBLEMATIC_APPLICANT_DATA: {
+        title: 'Data mismatch',
+        description:
+            'Your provided information does not match our records. Please check your name, date of birth, and other details.',
+    },
+    WRONG_ADDRESS: {
+        title: 'Address mismatch',
+        description: 'The address you provided does not match your documents. Please correct it and try again.',
+    },
+    DB_DATA_MISMATCH: {
+        title: 'Data inconsistency',
+        description: 'Your information does not match the government database. Please verify your details are correct.',
+    },
+    DB_DATA_NOT_FOUND: {
+        title: 'Data not found',
+        description: 'Your data could not be found in the government database. Please double-check your details.',
+    },
+    REQUESTED_DATA_MISMATCH: {
+        title: 'Document details mismatch',
+        description: 'The document details do not match the information you provided.',
+    },
+    GPS_AS_POA_SKIPPED: {
+        title: 'Address details incomplete',
+        description: 'Insufficient address details were provided. Please provide your full address.',
+    },
+
+    // --- document quality & completeness ---
     DOCUMENT_BAD_QUALITY: {
         title: 'Low quality document',
         description: 'The document image was blurry, dark, or hard to read. Please upload a clearer photo.',
     },
+    LOW_QUALITY: {
+        title: 'Low quality document',
+        description: 'The document quality is too low to process. Please upload a clearer image.',
+    },
+    UNSATISFACTORY_PHOTOS: {
+        title: 'Unreadable photo',
+        description: 'The photo is not readable. Please upload a clearer image.',
+    },
     DOCUMENT_DAMAGED: {
         title: 'Damaged document',
         description: 'The document appears damaged or worn. Please use a document in good condition.',
@@ -17,18 +55,115 @@ const REJECT_LABEL_MAP: Record<string, RejectLabelInfo> = {
         title: 'Incomplete document',
         description: 'Part of the document was cut off or missing. Make sure the full document is visible.',
     },
+    INCOMPLETE_DOCUMENT: {
+        title: 'Incomplete document',
+        description: 'Some pages or sides of the document are missing. Please upload the complete document.',
+    },
+    DOCUMENT_PAGE_MISSING: {
+        title: 'Missing page',
+        description: 'A required page of the document is missing. Please upload all pages.',
+    },
     DOCUMENT_MISSING: {
         title: 'Missing document',
         description: 'A required document was not provided. Please upload all requested documents.',
     },
+    BLACK_AND_WHITE: {
+        title: 'Color document required',
+        description: 'The document was provided in black and white. Please upload a color image.',
+    },
+    SCREENSHOTS: {
+        title: 'Screenshots not accepted',
+        description: 'Screenshots are not accepted. Please upload a direct photo of the document.',
+    },
+    DIGITAL_DOCUMENT: {
+        title: 'Original document required',
+        description: 'A digital version was uploaded. Please upload a photo of the original document.',
+    },
+
+    // --- document validity ---
     DOCUMENT_EXPIRED: {
         title: 'Expired document',
         description: 'The document has expired. Please use a valid, non-expired document.',
     },
+    EXPIRATION_DATE: {
+        title: 'Expiration date issue',
+        description: 'The document is expired or expiring soon. Please use a document with a valid expiration date.',
+    },
+    ID_INVALID: {
+        title: 'Invalid ID',
+        description: 'The identity document is not valid. Please use a different document.',
+    },
+    UNSUPPORTED_DOCUMENT: {
+        title: 'Unsupported document type',
+        description: "This type of document is not accepted. Please use a passport, national ID, or driver's license.",
+    },
+    WRONG_DOCUMENT: {
+        title: 'Wrong document provided',
+        description: 'The uploaded document does not match what was requested. Please upload the correct document.',
+    },
+    NOT_DOCUMENT: {
+        title: 'Not a valid document',
+        description: 'The uploaded file is not a document. Please upload the correct file.',
+    },
+    DOCUMENT_TEMPLATE: {
+        title: 'Template document',
+        description: 'The provided document appears to be a template. Please upload your actual document.',
+    },
+    OUTDATED_DOCUMENT_VERSION: {
+        title: 'Outdated document',
+        description: 'This is not the most recent version of the document. Please provide the latest version.',
+    },
+    UNFILLED_ID: {
+        title: 'Unreadable document',
+        description: 'The document could not be read. Please upload a clearer image.',
+    },
+    UNSUITABLE_DOCUMENT: {
+        title: 'Unsuitable document',
+        description: 'The document does not meet the requirements. Please check the requirements and try again.',
+    },
+    INCOMPATIBLE_LANGUAGE: {
+        title: 'Unsupported language',
+        description: 'The document is in an unsupported language. Please provide a translated or alternative document.',
+    },
+    UNSUPPORTED_LANGUAGE: {
+        title: 'Unsupported language',
+        description: 'The document is in an unsupported language.',
+    },
+    BAD_PROOF_OF_IDENTITY: {
+        title: 'Identity document issue',
+        description: 'There was an issue with your identity document. Please upload a valid, clear copy.',
+    },
+    BAD_PROOF_OF_ADDRESS: {
+        title: 'Proof of address issue',
+        description:
+            'There was an issue with your proof of address. Please upload a valid document with your full name and address.',
+    },
+    BAD_PROOF_OF_PAYMENT: {
+        title: 'Payment proof issue',
+        description: 'There was an issue verifying your payment information.',
+    },
+    ADDITIONAL_DOCUMENT_REQUIRED: {
+        title: 'Additional document needed',
+        description: 'An additional document is required. Please check the request and upload the needed document.',
+    },
+
+    // --- selfie & face matching ---
     SELFIE_MISMATCH: {
         title: 'Selfie does not match',
         description: 'The selfie did not match the photo on your document. Please try again with a clear selfie.',
     },
+    BAD_FACE_MATCHING: {
+        title: 'Face not clearly visible',
+        description: 'Your face was not clearly visible. Please take a well-lit selfie showing your full face.',
+    },
+    BAD_SELFIE: {
+        title: 'Selfie issue',
+        description: 'There was an issue with your selfie. Please take a clear, well-lit selfie.',
+    },
+    BAD_VIDEO_SELFIE: {
+        title: 'Video selfie issue',
+        description: 'The video selfie check could not be completed. Please try again.',
+    },
     SELFIE_BAD_QUALITY: {
         title: 'Low quality selfie',
         description: 'The selfie was blurry or poorly lit. Please take a clear, well-lit selfie.',
@@ -37,30 +172,104 @@ const REJECT_LABEL_MAP: Record<string, RejectLabelInfo> = {
         title: 'Selfie issue detected',
         description: 'A live selfie is required. Do not use a photo of a photo or a screen.',
     },
+    FRAUDULENT_LIVENESS: {
+        title: 'Liveness check failed',
+        description: 'The liveness check could not be completed. Please try again with a live selfie.',
+    },
+
+    // --- fraud & forgery (terminal) ---
     DOCUMENT_FAKE: {
         title: 'Document could not be verified',
         description: 'We were unable to verify the authenticity of your document.',
     },
+    FORGERY: {
+        title: 'Document could not be verified',
+        description: 'The document could not be verified. Please use an original, unaltered document.',
+    },
+    GRAPHIC_EDITOR: {
+        title: 'Edited document detected',
+        description: 'The document appears to have been digitally altered.',
+    },
     GRAPHIC_EDITOR_USAGE: {
         title: 'Edited document detected',
         description: 'The document appears to have been digitally altered.',
     },
+    FRAUDULENT_PATTERNS: {
+        title: 'Verification failed',
+        description: 'Your verification could not be completed due to a security concern.',
+    },
+    THIRD_PARTY_INVOLVED: {
+        title: 'Third party detected',
+        description: 'A third party was detected during verification. You must complete verification yourself.',
+    },
+    BLOCKLIST: {
+        title: 'Account restricted',
+        description: 'Your account has been restricted. Please contact support.',
+    },
+    SPAM: {
+        title: 'Too many attempts',
+        description: 'Too many files were uploaded. Please contact support.',
+    },
+
+    // --- regulatory & compliance (terminal) ---
+    AGE_REQUIREMENT_MISMATCH: {
+        title: 'Age requirement not met',
+        description: 'You must meet the minimum age requirement to use this service.',
+    },
     AGE_BELOW_ACCEPTED_LIMIT: {
         title: 'Age requirement not met',
         description: 'You must be at least 18 years old to use this service.',
     },
-    UNSUPPORTED_DOCUMENT: {
-        title: 'Unsupported document type',
-        description: "This type of document is not accepted. Please use a passport, national ID, or driver's license.",
-    },
-    WRONG_DOCUMENT: {
-        title: 'Wrong document provided',
-        description: 'The uploaded document does not match what was requested. Please upload the correct document.',
-    },
     REGULATIONS_VIOLATIONS: {
         title: 'Regulatory restriction',
         description: 'Verification could not be completed due to regulatory requirements.',
     },
+    WRONG_USER_REGION: {
+        title: 'Unsupported region',
+        description: 'Your country or region is not currently supported.',
+    },
+    DUPLICATE: {
+        title: 'Duplicate account',
+        description: 'An account with your details already exists.',
+    },
+    RESTRICTED_PERSON: {
+        title: 'Verification restricted',
+        description: 'Your verification could not be completed. Please contact support.',
+    },
+
+    // --- compromised persons (terminal) ---
+    ADVERSE_MEDIA: {
+        title: 'Verification failed',
+        description: 'Your verification could not be completed. Please contact support.',
+    },
+    CRIMINAL: {
+        title: 'Verification failed',
+        description: 'Your verification could not be completed. Please contact support.',
+    },
+    COMPROMISED_PERSONS: {
+        title: 'Verification failed',
+        description: 'Your verification could not be completed. Please contact support.',
+    },
+    PEP: {
+        title: 'Verification failed',
+        description: 'Your verification could not be completed due to compliance requirements.',
+    },
+    SANCTIONS: {
+        title: 'Verification failed',
+        description: 'Your verification could not be completed due to compliance requirements.',
+    },
+
+    // --- profile & consistency ---
+    INCONSISTENT_PROFILE: {
+        title: 'Inconsistent documents',
+        description: 'The documents provided appear to belong to different individuals.',
+    },
+
+    // --- availability ---
+    CHECK_UNAVAILABLE: {
+        title: 'Verification temporarily unavailable',
+        description: 'The verification database is currently unavailable. Please try again later.',
+    },
 }
 
 const FALLBACK_LABEL_INFO: RejectLabelInfo = {
@@ -70,7 +279,23 @@ const FALLBACK_LABEL_INFO: RejectLabelInfo = {
 
 // labels that indicate a permanent rejection — used as a frontend heuristic
 // until backend provides rejectType
-export const TERMINAL_REJECT_LABELS = new Set(['DOCUMENT_FAKE', 'GRAPHIC_EDITOR_USAGE', 'AGE_BELOW_ACCEPTED_LIMIT'])
+export const TERMINAL_REJECT_LABELS = new Set([
+    'DOCUMENT_FAKE',
+    'FORGERY',
+    'GRAPHIC_EDITOR_USAGE',
+    'GRAPHIC_EDITOR',
+    'AGE_BELOW_ACCEPTED_LIMIT',
+    'AGE_REQUIREMENT_MISMATCH',
+    'FRAUDULENT_PATTERNS',
+    'FRAUDULENT_LIVENESS',
+    'BLOCKLIST',
+    'ADVERSE_MEDIA',
+    'CRIMINAL',
+    'COMPROMISED_PERSONS',
+    'PEP',
+    'SANCTIONS',
+    'DUPLICATE',
+])
 
 /** get human-readable info for a sumsub reject label, with a safe fallback */
 export const getRejectLabelInfo = (label: string): RejectLabelInfo => {
diff --git a/src/features/limits/hooks/useLimitsValidation.ts b/src/features/limits/hooks/useLimitsValidation.ts
index b2743c350..406dc8e2d 100644
--- a/src/features/limits/hooks/useLimitsValidation.ts
+++ b/src/features/limits/hooks/useLimitsValidation.ts
@@ -2,7 +2,6 @@
 
 import { useMemo } from 'react'
 import { useLimits } from '@/hooks/useLimits'
-import useKycStatus from '@/hooks/useKycStatus'
 import type { MantecaLimit } from '@/interfaces'
 import {
     MAX_QR_PAYMENT_AMOUNT_FOREIGN,
@@ -42,20 +41,17 @@ interface UseLimitsValidationOptions {
 }
 
 /**
- * hook to validate amounts against user's transaction limits
- * automatically determines if user is local (manteca) or foreign (bridge) based on their kyc status
- * returns warning/blocking state based on remaining limits
+ * hook to validate amounts against user's transaction limits.
+ * uses the presence of API-returned limits (which are gated behind ENABLED rails on the backend)
  */
 export function useLimitsValidation({ flowType, amount, currency: currencyInput }: UseLimitsValidationOptions) {
     const { mantecaLimits, bridgeLimits, isLoading, hasMantecaLimits, hasBridgeLimits } = useLimits()
-    const { isUserMantecaKycApproved, isUserBridgeKycApproved } = useKycStatus()
 
     // normalize currency to valid LimitCurrency type
     const currency = mapToLimitCurrency(currencyInput)
 
-    // determine if user is "local" (has manteca kyc for latam operations)
-    // this replaces the external isLocalUser parameter
-    const isLocalUser = isUserMantecaKycApproved
+    // determine if user is "local" (has manteca limits = enabled manteca rails)
+    const isLocalUser = hasMantecaLimits
 
     // parse amount to number - strip commas to handle "1,200" format
     const numericAmount = useMemo(() => {
@@ -81,7 +77,7 @@ export function useLimitsValidation({ flowType, amount, currency: currencyInput
 
     // validate for manteca users (argentina/brazil)
     const mantecaValidation = useMemo<LimitValidationResult>(() => {
-        if (!isUserMantecaKycApproved || !relevantMantecaLimit) {
+        if (!hasMantecaLimits || !relevantMantecaLimit) {
             return {
                 isBlocking: false,
                 isWarning: false,
@@ -155,12 +151,12 @@ export function useLimitsValidation({ flowType, amount, currency: currencyInput
             daysUntilReset: daysUntilMonthlyReset,
             limitCurrency: currency,
         }
-    }, [isUserMantecaKycApproved, relevantMantecaLimit, numericAmount, currency, daysUntilMonthlyReset, flowType])
+    }, [hasMantecaLimits, relevantMantecaLimit, numericAmount, currency, daysUntilMonthlyReset, flowType])
 
     // validate for bridge users (us/europe/mexico) - per transaction limits
     // bridge limits are always in USD
     const bridgeValidation = useMemo<LimitValidationResult>(() => {
-        if (!isUserBridgeKycApproved || !bridgeLimits) {
+        if (!hasBridgeLimits || !bridgeLimits) {
             return {
                 isBlocking: false,
                 isWarning: false,
@@ -213,7 +209,7 @@ export function useLimitsValidation({ flowType, amount, currency: currencyInput
             daysUntilReset: null,
             limitCurrency: 'USD',
         }
-    }, [isUserBridgeKycApproved, bridgeLimits, flowType, numericAmount])
+    }, [hasBridgeLimits, bridgeLimits, flowType, numericAmount])
 
     // qr payment validation for foreign users (non-manteca kyc)
     // foreign qr limits are always in USD
@@ -258,8 +254,8 @@ export function useLimitsValidation({ flowType, amount, currency: currencyInput
     const validation = useMemo<LimitValidationResult>(() => {
         // for qr payments
         if (flowType === 'qr-payment') {
-            // local users (manteca kyc) use manteca limits
-            if (isLocalUser && isUserMantecaKycApproved) {
+            // local users (manteca limits) use manteca limits
+            if (isLocalUser && hasMantecaLimits) {
                 return mantecaValidation
             }
             // foreign users have fixed per-tx limit
@@ -268,14 +264,14 @@ export function useLimitsValidation({ flowType, amount, currency: currencyInput
 
         // for onramp/offramp - check which provider applies
         // only use manteca if there's a relevant limit for the currency (prevents skipping bridge validation)
-        if (isUserMantecaKycApproved && hasMantecaLimits && relevantMantecaLimit) {
+        if (hasMantecaLimits && relevantMantecaLimit) {
             return mantecaValidation
         }
-        if (isUserBridgeKycApproved && hasBridgeLimits) {
+        if (hasBridgeLimits) {
             return bridgeValidation
         }
 
-        // no kyc - no limits to validate
+        // no enabled rails - no limits to validate
         return {
             isBlocking: false,
             isWarning: false,
@@ -288,8 +284,6 @@ export function useLimitsValidation({ flowType, amount, currency: currencyInput
     }, [
         flowType,
         isLocalUser,
-        isUserMantecaKycApproved,
-        isUserBridgeKycApproved,
         hasMantecaLimits,
         hasBridgeLimits,
         relevantMantecaLimit,
@@ -305,7 +299,7 @@ export function useLimitsValidation({ flowType, amount, currency: currencyInput
         currency,
         // convenience getters
         hasLimits: hasMantecaLimits || hasBridgeLimits,
-        isMantecaUser: isUserMantecaKycApproved,
-        isBridgeUser: isUserBridgeKycApproved,
+        isMantecaUser: hasMantecaLimits,
+        isBridgeUser: hasBridgeLimits,
     }
 }
diff --git a/src/features/limits/views/BridgeLimitsView.tsx b/src/features/limits/views/BridgeLimitsView.tsx
index 8bbb6fc5e..8fa791ab0 100644
--- a/src/features/limits/views/BridgeLimitsView.tsx
+++ b/src/features/limits/views/BridgeLimitsView.tsx
@@ -4,7 +4,6 @@ import NavHeader from '@/components/Global/NavHeader'
 import Card from '@/components/Global/Card'
 import { Icon } from '@/components/Global/Icons/Icon'
 import { useLimits } from '@/hooks/useLimits'
-import useKycStatus from '@/hooks/useKycStatus'
 import { useRouter } from 'next/navigation'
 import { MAX_QR_PAYMENT_AMOUNT_FOREIGN } from '@/constants/payment.consts'
 import Image from 'next/image'
@@ -25,8 +24,7 @@ import EmptyState from '@/components/Global/EmptyStates/EmptyState'
  */
 const BridgeLimitsView = () => {
     const router = useRouter()
-    const { bridgeLimits, isLoading, error } = useLimits()
-    const { isUserMantecaKycApproved } = useKycStatus()
+    const { bridgeLimits, isLoading, error, hasMantecaLimits } = useLimits()
 
     // url state for source region (where user came from)
     const [region] = useQueryState(
@@ -90,7 +88,7 @@ const BridgeLimitsView = () => {
                     )}
 
                     {/* qr payment limits accordion - for bridge users without manteca kyc */}
-                    {!isUserMantecaKycApproved && (
+                    {!hasMantecaLimits && (
                         <div className="space-y-2">
                             <h3 className="font-bold">QR payment limits:</h3>
                             <Card position="single" className="p-0">
diff --git a/src/features/limits/views/LimitsPageView.tsx b/src/features/limits/views/LimitsPageView.tsx
index 4ea063318..8eb45ec8b 100644
--- a/src/features/limits/views/LimitsPageView.tsx
+++ b/src/features/limits/views/LimitsPageView.tsx
@@ -6,6 +6,7 @@ import NavHeader from '@/components/Global/NavHeader'
 import StatusBadge from '@/components/Global/Badges/StatusBadge'
 import { useIdentityVerification, type Region } from '@/hooks/useIdentityVerification'
 import useKycStatus from '@/hooks/useKycStatus'
+import { useLimits } from '@/hooks/useLimits'
 import Image from 'next/image'
 import { useRouter } from 'next/navigation'
 import { useMemo } from 'react'
@@ -18,7 +19,8 @@ import { getProviderRoute } from '../utils'
 const LimitsPageView = () => {
     const router = useRouter()
     const { unlockedRegions, lockedRegions } = useIdentityVerification()
-    const { isUserKycApproved, isUserBridgeKycUnderReview, isUserMantecaKycApproved } = useKycStatus()
+    const { isUserKycApproved, isUserBridgeKycUnderReview } = useKycStatus()
+    const { hasMantecaLimits } = useLimits()
 
     // check if user has any kyc at all
     const hasAnyKyc = isUserKycApproved
@@ -63,7 +65,7 @@ const LimitsPageView = () => {
 
             {/* unlocked regions */}
             {unlockedRegions.length > 0 && (
-                <UnlockedRegionsList regions={unlockedRegions} hasMantecaKyc={isUserMantecaKycApproved} />
+                <UnlockedRegionsList regions={unlockedRegions} hasMantecaKyc={hasMantecaLimits} />
             )}
 
             {/* locked regions - only render if there are actual locked regions */}
diff --git a/src/hooks/useDetermineBankClaimType.ts b/src/hooks/useDetermineBankClaimType.ts
index 0d73234cb..69bef4914 100644
--- a/src/hooks/useDetermineBankClaimType.ts
+++ b/src/hooks/useDetermineBankClaimType.ts
@@ -3,6 +3,7 @@ import { useAuth } from '@/context/authContext'
 import { useClaimBankFlow } from '@/context/ClaimBankFlowContext'
 import { useEffect, useState } from 'react'
 import useKycStatus from './useKycStatus'
+import { isUserKycVerified } from '@/constants/kyc.consts'
 
 export enum BankClaimType {
     GuestBankClaim = 'guest-bank-claim',
@@ -23,12 +24,12 @@ export function useDetermineBankClaimType(senderUserId: string): {
     const { user } = useAuth()
     const [claimType, setClaimType] = useState<BankClaimType>(BankClaimType.ReceiverKycNeeded)
     const { setSenderDetails } = useClaimBankFlow()
-    const { isUserBridgeKycApproved } = useKycStatus()
+    const { isUserKycApproved } = useKycStatus()
 
     useEffect(() => {
         const determineBankClaimType = async () => {
             // check if receiver (logged in user) exists and is KYC approved
-            const receiverKycApproved = isUserBridgeKycApproved
+            const receiverKycApproved = isUserKycApproved
 
             if (receiverKycApproved) {
                 // condition 1: Receiver is KYC approved → UserBankClaim
@@ -48,7 +49,7 @@ export function useDetermineBankClaimType(senderUserId: string): {
 
             try {
                 const senderDetails = await getUserById(senderUserId)
-                const senderKycApproved = senderDetails?.bridgeKycStatus === 'approved'
+                const senderKycApproved = isUserKycVerified(senderDetails)
 
                 if (senderKycApproved) {
                     // condition 3: Receiver not KYC approved BUT sender is → GuestBankClaim
diff --git a/src/hooks/useDetermineBankRequestType.ts b/src/hooks/useDetermineBankRequestType.ts
index 5f6583fee..4e84b763c 100644
--- a/src/hooks/useDetermineBankRequestType.ts
+++ b/src/hooks/useDetermineBankRequestType.ts
@@ -3,6 +3,7 @@ import { useAuth } from '@/context/authContext'
 import { useRequestFulfillmentFlow } from '@/context/RequestFulfillmentFlowContext'
 import { useEffect, useState } from 'react'
 import useKycStatus from './useKycStatus'
+import { isUserKycVerified } from '@/constants/kyc.consts'
 
 export enum BankRequestType {
     GuestBankRequest = 'guest-bank-request',
@@ -23,11 +24,11 @@ export function useDetermineBankRequestType(requesterUserId: string): {
     const { user } = useAuth()
     const [requestType, setRequestType] = useState<BankRequestType>(BankRequestType.PayerKycNeeded)
     const { setRequesterDetails } = useRequestFulfillmentFlow()
-    const { isUserBridgeKycApproved } = useKycStatus()
+    const { isUserKycApproved } = useKycStatus()
 
     useEffect(() => {
         const determineBankRequestType = async () => {
-            const payerKycApproved = isUserBridgeKycApproved
+            const payerKycApproved = isUserKycApproved
 
             if (payerKycApproved) {
                 setRequestType(BankRequestType.UserBankRequest)
@@ -45,7 +46,7 @@ export function useDetermineBankRequestType(requesterUserId: string): {
 
             try {
                 const requesterDetails = await getUserById(requesterUserId)
-                const requesterKycApproved = requesterDetails?.bridgeKycStatus === 'approved'
+                const requesterKycApproved = isUserKycVerified(requesterDetails)
 
                 if (requesterKycApproved) {
                     setRequesterDetails(requesterDetails)
diff --git a/src/hooks/useHomeCarouselCTAs.tsx b/src/hooks/useHomeCarouselCTAs.tsx
index dc408c42c..a81020025 100644
--- a/src/hooks/useHomeCarouselCTAs.tsx
+++ b/src/hooks/useHomeCarouselCTAs.tsx
@@ -12,6 +12,7 @@ import { DeviceType, useDeviceType } from './useGetDeviceType'
 import { usePWAStatus } from './usePWAStatus'
 import { useGeoLocation } from './useGeoLocation'
 import { useCardPioneerInfo } from './useCardPioneerInfo'
+import { useBridgeTosStatus } from './useBridgeTosStatus'
 import { STAR_STRAIGHT_ICON } from '@/assets'
 import underMaintenanceConfig from '@/config/underMaintenance.config'
 
@@ -50,6 +51,8 @@ export const useHomeCarouselCTAs = () => {
         hasPurchased: hasCardPioneerPurchased,
         isLoading: isCardPioneerLoading,
     } = useCardPioneerInfo()
+    const { needsBridgeTos } = useBridgeTosStatus()
+    const [showBridgeTos, setShowBridgeTos] = useState(false)
 
     const generateCarouselCTAs = useCallback(() => {
         const _carouselCTAs: CarouselCTA[] = []
@@ -58,6 +61,18 @@ export const useHomeCarouselCTAs = () => {
         const hasKycApproval = isUserKycApproved || isUserMantecaKycApproved
         const isLatamUser = userCountryCode === 'AR' || userCountryCode === 'BR'
 
+        // Bridge ToS acceptance — must be first CTA when user has pending ToS
+        if (needsBridgeTos) {
+            _carouselCTAs.push({
+                id: 'bridge-tos',
+                title: 'Accept terms of service',
+                description: 'Required to enable bank transfers',
+                icon: 'alert',
+                iconContainerClassName: 'bg-yellow-1',
+                onClick: () => setShowBridgeTos(true),
+            })
+        }
+
         // Card Pioneer CTA - show to all users who haven't purchased yet
         // Eligibility check happens during the flow (geo screen)
         // Only show when we know for sure they haven't purchased (not while loading)
@@ -215,6 +230,7 @@ export const useHomeCarouselCTAs = () => {
         isCardPioneerEligible,
         hasCardPioneerPurchased,
         isCardPioneerLoading,
+        needsBridgeTos,
     ])
 
     useEffect(() => {
@@ -226,5 +242,5 @@ export const useHomeCarouselCTAs = () => {
         generateCarouselCTAs()
     }, [user, generateCarouselCTAs, isPermissionGranted])
 
-    return { carouselCTAs, setCarouselCTAs }
+    return { carouselCTAs, setCarouselCTAs, showBridgeTos, setShowBridgeTos }
 }
diff --git a/src/hooks/useIdentityVerification.tsx b/src/hooks/useIdentityVerification.tsx
index e3f396532..548555b0c 100644
--- a/src/hooks/useIdentityVerification.tsx
+++ b/src/hooks/useIdentityVerification.tsx
@@ -77,6 +77,9 @@ const BRIDGE_SUPPORTED_LATAM_COUNTRIES: Region[] = [
     },
 ]
 
+// precompute bridge alpha2 values for O(1) lookup
+const BRIDGE_ALPHA2_SET = new Set(Object.values(BRIDGE_ALPHA3_TO_ALPHA2))
+
 /** maps a region path to the sumsub kyc template intent */
 export const getRegionIntent = (regionPath: string): KYCRegionIntent => {
     return regionPath === 'latam' ? 'LATAM' : 'STANDARD'
@@ -159,17 +162,31 @@ export const useIdentityVerification = () => {
         const isMantecaApproved = isUserMantecaKycApproved
         const isSumsubApproved = isUserSumsubKycApproved
 
+        // check if a provider's rails are in a functional state (not pending/failed)
+        const hasProviderAccess = (providerCode: string) => {
+            const providerRails = user?.rails?.filter((r) => r.rail.provider.code === providerCode) ?? []
+            if (providerRails.length === 0) return false
+            return providerRails.some(
+                (r) =>
+                    r.status === 'ENABLED' ||
+                    r.status === 'REQUIRES_INFORMATION' ||
+                    r.status === 'REQUIRES_EXTRA_INFORMATION'
+            )
+        }
+
         // helper to check if a region should be unlocked
         const isRegionUnlocked = (regionName: string) => {
             // sumsub approval scoped by the regionIntent used during verification.
-            // 'LATAM' intent → unlocks LATAM. 'STANDARD' intent → unlocks Bridge regions + rest of world.
-            // no intent (or rest-of-world) → unlocks rest of world only.
+            // 'LATAM' intent → unlocks LATAM. 'STANDARD' intent → unlocks Bridge regions.
+            // rest of world is always unlocked with any sumsub approval (crypto features).
+            // provider-specific regions require the provider rails to be functional
+            // (not still PENDING from submission or FAILED).
             if (isSumsubApproved) {
+                if (regionName === 'Rest of the world') return true
                 if (sumsubVerificationRegionIntent === 'LATAM') {
-                    return MANTECA_SUPPORTED_REGIONS.includes(regionName) || regionName === 'Rest of the world'
+                    return hasProviderAccess('MANTECA') && MANTECA_SUPPORTED_REGIONS.includes(regionName)
                 }
-                // STANDARD intent covers bridge regions + rest of world
-                return BRIDGE_SUPPORTED_REGIONS.includes(regionName) || regionName === 'Rest of the world'
+                return hasProviderAccess('BRIDGE') && BRIDGE_SUPPORTED_REGIONS.includes(regionName)
             }
             return (
                 (isBridgeApproved && BRIDGE_SUPPORTED_REGIONS.includes(regionName)) ||
@@ -190,7 +207,13 @@ export const useIdentityVerification = () => {
             lockedRegions: locked,
             unlockedRegions: unlocked,
         }
-    }, [isUserBridgeKycApproved, isUserMantecaKycApproved, isUserSumsubKycApproved, sumsubVerificationRegionIntent])
+    }, [
+        isUserBridgeKycApproved,
+        isUserMantecaKycApproved,
+        isUserSumsubKycApproved,
+        sumsubVerificationRegionIntent,
+        user?.rails,
+    ])
 
     /**
      * Check if a region is already unlocked by comparing region paths.
@@ -270,12 +293,7 @@ export const useIdentityVerification = () => {
 
     const isBridgeSupportedCountry = useCallback((code: string) => {
         const upper = code.toUpperCase()
-        return (
-            upper === 'US' ||
-            upper === 'MX' ||
-            Object.keys(BRIDGE_ALPHA3_TO_ALPHA2).includes(upper) ||
-            Object.values(BRIDGE_ALPHA3_TO_ALPHA2).includes(upper)
-        )
+        return upper === 'US' || upper === 'MX' || upper in BRIDGE_ALPHA3_TO_ALPHA2 || BRIDGE_ALPHA2_SET.has(upper)
     }, [])
 
     return {
diff --git a/src/hooks/useMultiPhaseKycFlow.ts b/src/hooks/useMultiPhaseKycFlow.ts
index 0e722345a..f6064be1c 100644
--- a/src/hooks/useMultiPhaseKycFlow.ts
+++ b/src/hooks/useMultiPhaseKycFlow.ts
@@ -8,6 +8,27 @@ import { type KYCRegionIntent } from '@/app/actions/types/sumsub.types'
 
 const PREPARING_TIMEOUT_MS = 30000
 
+/**
+ * confirms bridge ToS acceptance (with one retry) then polls fetchUser
+ * until bridge rails leave REQUIRES_INFORMATION. max 3 attempts × 2s.
+ */
+export async function confirmBridgeTosAndAwaitRails(fetchUser: () => Promise<any>) {
+    const result = await confirmBridgeTos()
+    if (!result.data?.accepted) {
+        await new Promise((resolve) => setTimeout(resolve, 2000))
+        await confirmBridgeTos()
+    }
+
+    for (let i = 0; i < 3; i++) {
+        const updatedUser = await fetchUser()
+        const stillNeedsTos = (updatedUser?.rails ?? []).some(
+            (r: any) => r.rail.provider.code === 'BRIDGE' && r.status === 'REQUIRES_INFORMATION'
+        )
+        if (!stillNeedsTos) break
+        if (i < 2) await new Promise((resolve) => setTimeout(resolve, 2000))
+    }
+}
+
 interface UseMultiPhaseKycFlowOptions {
     onKycSuccess?: () => void
     onManualClose?: () => void
@@ -214,20 +235,9 @@ export const useMultiPhaseKycFlow = ({ onKycSuccess, onManualClose, regionIntent
             setShowTosIframe(false)
 
             if (source === 'tos_accepted') {
-                // confirm with backend
-                const result = await confirmBridgeTos()
-
-                if (!result.data?.accepted) {
-                    // bridge may not have registered acceptance yet — retry after short delay
-                    await new Promise((resolve) => setTimeout(resolve, 2000))
-                    const retryResult = await confirmBridgeTos()
-                    if (!retryResult.data?.accepted) {
-                        console.warn('[useMultiPhaseKycFlow] bridge ToS confirmation failed after retry')
-                    }
-                }
-
-                // optimistically complete — don't wait for rail status WebSocket
-                await fetchUser()
+                // show loading state while confirming + polling
+                setModalPhase('preparing')
+                await confirmBridgeTosAndAwaitRails(fetchUser)
                 completeFlow()
             }
             // if manual close, stay on bridge_tos phase (user can try again)
diff --git a/src/utils/general.utils.ts b/src/utils/general.utils.ts
index 87ea6ce20..ebe0241ab 100644
--- a/src/utils/general.utils.ts
+++ b/src/utils/general.utils.ts
@@ -19,6 +19,7 @@ import { type ChargeEntry } from '@/services/services.types'
 import { toWebAuthnKey } from '@zerodev/passkey-validator'
 import { USER_OPERATION_REVERT_REASON_TOPIC } from '@/constants/zerodev.consts'
 import { CHAIN_LOGOS, type ChainName } from '@/constants/rhino.consts'
+import { isUserKycVerified } from '@/constants/kyc.consts'
 
 export function urlBase64ToUint8Array(base64String: string) {
     const padding = '='.repeat((4 - (base64String.length % 4)) % 4)
@@ -984,7 +985,7 @@ export const getContributorsFromCharge = (charges: ChargeEntry[]) => {
             amount: charge.tokenAmount,
             username,
             fulfillmentPayment: charge.fulfillmentPayment,
-            isUserVerified: successfulPayment?.payerAccount?.user?.bridgeKycStatus === 'approved',
+            isUserVerified: isUserKycVerified(successfulPayment?.payerAccount?.user),
             isPeanutUser,
         }
     })