adding more disclaimers to savings

2026-02-26 14:20:03 -05:00
parent a55cfca90d
commit e6b1fc4fc7
9 changed files with 110 additions and 19 deletions
@@ -28,7 +28,6 @@ function StatsRow({
  const { width: windowWidth } = useWindowDimensions();
  const containerWidth = windowWidth - H_PADDING * 2;

-  // Track measured natural widths for each card
  const [naturalWidths, setNaturalWidths] = useState({});

  const onCardLayout = useCallback((index, event) => {
@@ -260,6 +259,7 @@ export default function HowSavingsWorks() {
        ))}
      </View>

+      {/* ── Transparency card — expanded with reserve + legal disclaimer ── */}
      <View
        style={[
          styles.transparencyCard,
@@ -275,18 +275,56 @@ export default function HowSavingsWorks() {
          <ThemeText
            styles={styles.transparencyTitle}
            content={t('savings.howItWorks.transparencyTitle')}
+            // "Backed by real reserves"
          />
        </View>
+
+        {/* Reserve backing body */}
        <ThemeText
          styles={styles.transparencyBody}
          content={t('savings.howItWorks.transparencyBody')}
+          // "Reserves are held in segregated, audited accounts — primarily
+          //  short-duration US Treasury Bills and money-market funds.
+          //  Flashnet publishes monthly attestation reports."
+        />
+
+        {/* Divider */}
+        <View style={styles.transparencyDivider} />
+
+        {/* Issuer row */}
+        <View style={styles.transparencyMetaRow}>
+          <ThemeIcon
+            iconName="Building2"
+            size={13}
+            colorOverride={theme && darkModeType ? textColor : COLORS.primary}
+          />
+          <ThemeText
+            styles={styles.transparencyMeta}
+            content={t('savings.howItWorks.transparencyIssuer')}
+            // "USDB issued by Brale, Inc. · Yield via Flashnet"
+          />
+        </View>
+
+        {/* In-card legal note */}
+        <ThemeText
+          styles={styles.transparencyLegal}
+          content={t('savings.howItWorks.transparencyLegal')}
+          // "Yield is variable and not guaranteed. Not a bank deposit.
+          //  Not FDIC or SIPC insured."
        />
      </View>

-      <ThemeText
-        styles={styles.disclaimer}
-        content={t('savings.howItWorks.disclaimer')}
-      />
+      {/* ── Bottom disclaimer — two tiers ── */}
+      <View style={styles.disclaimerBlock}>
+        <ThemeText
+          styles={styles.disclaimer}
+          content={
+            t('savings.howItWorks.disclaimer') +
+            ' ' +
+            t('savings.howItWorks.disclaimerLegal')
+          }
+        />
+      </View>
    </ScrollView>
  );
 }
@@ -296,7 +334,6 @@ const styles = StyleSheet.create({
  content: {
    paddingHorizontal: H_PADDING,
    paddingTop: 4,
-    paddingBottom: 24,
    gap: 20,
  },

@@ -344,14 +381,13 @@ const styles = StyleSheet.create({
    gap: 2,
  },
  statCellAuto: {
-    flex: 0, // don't stretch when centered on its own row
+    flex: 0,
  },
  statCellBorderRight: {
    borderRightWidth: StyleSheet.hairlineWidth,
    borderRightColor: COLORS.gray2,
  },
  statCellMeasuring: {
-    // Sits in the hidden measure container; needs to size to content
    flex: 0,
  },

@@ -402,7 +438,7 @@ const styles = StyleSheet.create({
    includeFontPadding: false,
  },

-  // Transparency
+  // Transparency card
  transparencyCard: {
    borderRadius: 16,
    padding: 16,
@@ -424,14 +460,45 @@ const styles = StyleSheet.create({
    lineHeight: 18,
    includeFontPadding: false,
  },
+  // ── new transparency styles ──────────────────────────────────────
+  transparencyDivider: {
+    height: StyleSheet.hairlineWidth,
+    backgroundColor: COLORS.gray2,
+    marginVertical: 2,
+  },
+  transparencyMetaRow: {
+    flexDirection: 'row',
+    alignItems: 'center',
+    gap: 6,
+  },
+  transparencyMeta: {
+    fontSize: SIZES.xSmall,
+    opacity: 0.55,
+    includeFontPadding: false,
+  },
+  transparencyLegal: {
+    fontSize: SIZES.xSmall,
+    opacity: 0.45,
+    lineHeight: 15,
+    includeFontPadding: false,
+  },

-  // Disclaimer
+  // Disclaimer block — two tiers
+  disclaimerBlock: {
+    gap: 4,
+  },
  disclaimer: {
    fontSize: SIZES.xSmall,
    opacity: 0.45,
    lineHeight: 15,
    textAlign: 'center',
    includeFontPadding: false,
-    paddingBottom: 4,
+  },
+  disclaimerLegal: {
+    fontSize: SIZES.xSmall,
+    opacity: 0.45,
+    lineHeight: 14,
+    textAlign: 'center',
+    includeFontPadding: false,
  },
 });
@@ -2227,7 +2227,7 @@
    },
    "preview": {
      "title": "Ersparnisse",
-      "earnInterest": "3,5 % Zinsen verdienen! Ausgezahlt in BTC"
+      "earnInterest": "Zinsen verdienen! Ausgezahlt in BTC"
    },
    "goalEmoji": {
      "screenTitle": "Emoji wählen",
@@ -2350,6 +2350,9 @@
      "headline1": "Ihr Geld,",
      "headline2": "jeden Tag im Einsatz.",
      "subtext": "Ein USD-gedeckter Stablecoin, der automatisch Erträge ansammelt, solange Sie ihn halten.",
+      "transparencyIssuer": "USDB ausgegeben von Brale, Inc. · Rendite über Flashnet",
+      "transparencyLegal": "Die Rendite ist variabel und nicht garantiert. Kein Bankeinlagenprodukt. Nicht durch FDIC oder SIPC versichert.",
+      "disclaimerLegal": "Blitz Wallet ist keine Bank, kein Broker und kein Anlageberater. Die Zinssätze sind variabel und können sich jederzeit ändern. Siehe Nutzungsbedingungen für vollständige Risikohinweise.",
      "features": {
        "earnTitle": "Täglich Erträge erzielen",
        "earnBody": "USDB sammelt automatisch Sparerträge an. Kein Staking, keine Sperrfristen – halten Sie einfach und verdienen Sie.",
@@ -2277,7 +2277,7 @@
    },
    "preview": {
      "title": "Savings",
-      "earnInterest": "Earn 3.5% interest paid in Bitcoin"
+      "earnInterest": "Earn interest paid in Bitcoin"
    },
    "goalEmoji": {
      "screenTitle": "Choose Emoji",
@@ -2400,6 +2400,9 @@
      "headline1": "Your dollars,",
      "headline2": "earning every day.",
      "subtext": "A USD-backed stablecoin that automatically accrues rewards while you hold it.",
+      "transparencyIssuer": "USDB issued by Brale, Inc. · Yield via Flashnet",
+      "transparencyLegal": "Yield is variable and not guaranteed. Not a bank deposit. Not FDIC or SIPC insured.",
+      "disclaimerLegal": "Blitz Wallet is not a bank, broker, or investment advisor. Rates are variable and may change at any time. See Terms of Use for full risk disclosures.",
      "features": {
        "earnTitle": "Earn daily rewards",
        "earnBody": "USDB accrues savings rewards automatically. No staking, no lock-ups — just hold and earn.",
@@ -2105,7 +2105,7 @@
    },
    "preview": {
      "title": "Ahorros",
-      "earnInterest": "Gana un 3,5 % de interés pagado en Bitcoin"
+      "earnInterest": "Gana un de interés pagado en Bitcoin"
    },
    "goalEmoji": {
      "screenTitle": "Elegir emoji",
@@ -2228,6 +2228,9 @@
      "headline1": "Tu dinero,",
      "headline2": "ganando cada día.",
      "subtext": "Una stablecoin respaldada en USD que acumula recompensas automáticamente mientras la mantienes.",
+      "transparencyIssuer": "USDB emitido por Brale, Inc. · Rendimiento vía Flashnet",
+      "transparencyLegal": "El rendimiento es variable y no está garantizado. No es un depósito bancario. No está asegurado por la FDIC ni la SIPC.",
+      "disclaimerLegal": "Blitz Wallet no es un banco, corredor ni asesor de inversiones. Las tasas son variables y pueden cambiar en cualquier momento. Consulta los Términos de uso para conocer todos los riesgos.",
      "features": {
        "earnTitle": "Gana recompensas diarias",
        "earnBody": "USDB acumula recompensas de ahorro automáticamente. Sin staking ni bloqueos — solo mantén y gana.",
@@ -2225,7 +2225,7 @@
    },
    "preview": {
      "title": "Épargne",
-      "earnInterest": "Gagnez 3,5 % d’intérêt versé en Bitcoin"
+      "earnInterest": "Gagnez d’intérêt versé en Bitcoin"
    },
    "goalEmoji": {
      "screenTitle": "Choisir un emoji",
@@ -2348,6 +2348,9 @@
      "headline1": "Ton argent,",
      "headline2": "qui travaille chaque jour.",
      "subtext": "Un stablecoin adossé au dollar qui accumule automatiquement des récompenses tant que tu le détiens.",
+      "transparencyIssuer": "USDB émis par Brale, Inc. · Rendement via Flashnet",
+      "transparencyLegal": "Le rendement est variable et non garanti. Ce n’est pas un dépôt bancaire. Non assuré par la FDIC ou la SIPC.",
+      "disclaimerLegal": "Blitz Wallet n’est ni une banque, ni un courtier, ni un conseiller en investissement. Les taux sont variables et peuvent changer à tout moment. Consultez les Conditions d’utilisation pour les informations complètes sur les risques.",
      "features": {
        "earnTitle": "Gagne des récompenses quotidiennes",
        "earnBody": "USDB accumule automatiquement des récompenses d'épargne. Pas de staking, pas de blocage — il suffit de détenir et de gagner.",
@@ -2225,7 +2225,7 @@
    },
    "preview": {
      "title": "Risparmi",
-      "earnInterest": "Guadagna il 3,5% di interessi pagati in Bitcoin"
+      "earnInterest": "Guadagna il di interessi pagati in Bitcoin"
    },
    "goalEmoji": {
      "screenTitle": "Scegli emoji",
@@ -2348,6 +2348,9 @@
      "headline1": "Il tuo denaro,",
      "headline2": "che cresce ogni giorno.",
      "subtext": "Una stablecoin ancorata al dollaro che accumula automaticamente premi mentre la detieni.",
+      "transparencyIssuer": "USDB emesso da Brale, Inc. · Rendimento tramite Flashnet",
+      "transparencyLegal": "Il rendimento è variabile e non garantito. Non è un deposito bancario. Non assicurato da FDIC o SIPC.",
+      "disclaimerLegal": "Blitz Wallet non è una banca, un broker o un consulente finanziario. I tassi sono variabili e possono cambiare in qualsiasi momento. Consulta i Termini di utilizzo per le informazioni complete sui rischi.",
      "features": {
        "earnTitle": "Guadagna premi ogni giorno",
        "earnBody": "USDB accumula automaticamente premi di risparmio. Nessuno staking, nessun blocco — tienila e guadagna.",
@@ -2225,7 +2225,7 @@
    },
    "preview": {
      "title": "Caixinhas",
-      "earnInterest": "Ganhe 3,5% de juros pagos em Bitcoin"
+      "earnInterest": "Ganhe de juros pagos em Bitcoin"
    },
    "goalEmoji": {
      "screenTitle": "Escolher emoji",
@@ -2348,6 +2348,9 @@
      "headline1": "O seu dinheiro,",
      "headline2": "rendendo todo dia.",
      "subtext": "Uma stablecoin lastreada em USD que rende juros automaticamente.",
+      "transparencyIssuer": "USDB emitido por Brale, Inc. · Rendimento via Flashnet",
+      "transparencyLegal": "O rendimento é variável e não garantido. Não é um depósito bancário. Não é segurado pela FDIC ou SIPC.",
+      "disclaimerLegal": "A Blitz Wallet não é um banco, corretora ou consultora de investimentos. As taxas são variáveis e podem mudar a qualquer momento. Consulte os Termos de Uso para ver todas as divulgações de risco.",
      "features": {
        "earnTitle": "Ganhe recompensas diárias",
        "earnBody": "USDB paga juros automaticamente. Sem staking, sem bloqueios — basta manter o saldo e ganhar.",
@@ -2233,7 +2233,7 @@
    },
    "preview": {
      "title": "Сбережения",
-      "earnInterest": "Получайте 3,5% годовых, выплачиваемых в биткоинах"
+      "earnInterest": "Получайте годовых, выплачиваемых в биткоинах"
    },
    "goalEmoji": {
      "screenTitle": "Выбор эмодзи",
@@ -2356,6 +2356,9 @@
      "headline1": "Твои деньги,",
      "headline2": "работают каждый день.",
      "subtext": "Стейблкоин, привязанный к доллару США, который автоматически начисляет вознаграждения, пока ты держишь его.",
+      "transparencyIssuer": "USDB выпущен компанией Brale, Inc. · Доходность через Flashnet",
+      "transparencyLegal": "Доходность переменная и не гарантируется. Не является банковским вкладом. Не застраховано FDIC или SIPC.",
+      "disclaimerLegal": "Blitz Wallet не является банком, брокером или инвестиционным консультантом. Ставки переменные и могут измениться в любое время. Ознакомьтесь с Условиями использования для получения полной информации о рисках.",
      "features": {
        "earnTitle": "Ежедневные вознаграждения",
        "earnBody": "USDB автоматически начисляет сберегательные вознаграждения. Никакого стейкинга, никаких блокировок — просто держи и зарабатывай.",
@@ -2225,7 +2225,7 @@
    },
    "preview": {
      "title": "Sparande",
-      "earnInterest": "Tjäna 3,5 % ränta utbetald i Bitcoin"
+      "earnInterest": "Tjäna ränta utbetald i Bitcoin"
    },
    "goalEmoji": {
      "screenTitle": "Välj emoji",
@@ -2348,6 +2348,9 @@
      "headline1": "Dina pengar,",
      "headline2": "växer varje dag.",
      "subtext": "En USD-säkrad stablecoin som automatiskt ackumulerar belöningar så länge du håller den.",
+      "transparencyIssuer": "USDB utfärdad av Brale, Inc. · Avkastning via Flashnet",
+      "transparencyLegal": "Avkastningen är rörlig och inte garanterad. Ingen bankinsättning. Inte försäkrad av FDIC eller SIPC.",
+      "disclaimerLegal": "Blitz Wallet är inte en bank, mäklare eller investeringsrådgivare. Räntor är rörliga och kan ändras när som helst. Se användarvillkoren för fullständig riskinformation.",
      "features": {
        "earnTitle": "Tjäna dagliga belöningar",
        "earnBody": "USDB ackumulerar sparbelöningar automatiskt. Ingen staking, inga låsningar — bara håll och tjäna.",