Self-fund USDC withdrawals

packages/common/package.json

@@ -39,7 +39,7 @@
     "@audius/fixed-decimal": "*",
     "@audius/sdk": "*",
     "@fingerprintjs/fingerprintjs-pro": "3.5.6",
-    "@jup-ag/api": "6.0.44",
+    "@jup-ag/api": "6.0.48",
     "@metaplex-foundation/mpl-token-metadata": "2.5.2",
     "@optimizely/optimizely-sdk": "4.0.0",
     "@tanstack/react-query": "5.62.7",

packages/common/src/api/index.ts

@@ -155,6 +155,7 @@ export * from './tan-query/wallets/useAudioBalance'
 export * from './tan-query/wallets/useAssociatedWallets'
 export * from './tan-query/wallets/useWalletOwner'
 export * from './tan-query/wallets/useUSDCBalance'
+export * from './tan-query/wallets/useDestinationUsdcAccountCheck'
 export * from './tan-query/wallets/useExternalWalletBalance'
 export * from './tan-query/wallets/useCoinBalance'
 export * from './tan-query/wallets/useCoinBalanceBreakdown'

packages/common/src/api/tan-query/queryKeys.ts

@@ -90,6 +90,7 @@ export const QUERY_KEYS = {
   walletOwner: 'walletOwner',
   tokenPrice: 'tokenPrice',
   usdcBalance: 'usdcBalance',
+  destinationUsdcAccount: 'destinationUsdcAccount',
   fileSizes: 'fileSizes',
   sendTokens: 'sendTokens',
   managedAccounts: 'managedAccounts',

packages/common/src/api/tan-query/wallets/useDestinationUsdcAccountCheck.ts

@@ -0,0 +1,88 @@
+import { getAssociatedTokenAddressSync } from '@solana/spl-token'
+import { PublicKey } from '@solana/web3.js'
+import { useQuery } from '@tanstack/react-query'
+
+import { SolanaWalletAddress } from '~/models/Wallet'
+import { getJupiterQuoteByMintWithRetry } from '~/services/Jupiter'
+import { SOL_MINT, TOKEN_LISTING_MAP } from '~/store/ui/shared/tokenConstants'
+import { isValidSolAddress } from '~/store/wallet/utils'
+
+import { QUERY_KEYS } from '../queryKeys'
+import type { QueryKey, QueryOptions } from '../types'
+import { useQueryContext } from '../utils'
+
+/** Result of checking whether a destination wallet has a USDC token account */
+export type DestinationUsdcAccountStatus =
+  | { hasUsdcAccount: true }
+  | { hasUsdcAccount: false; ataCreationFeeUsdc: number }
+
+const USDC_DECIMALS = TOKEN_LISTING_MAP.USDC.decimals
+const SOL_DECIMALS = TOKEN_LISTING_MAP.SOL.decimals
+const TOKEN_ACCOUNT_SIZE = 165
+const ATA_TX_FEE_BUFFER_LAMPORTS = 10_000
+
+export const getDestinationUsdcAccountQueryKey = (
+  destinationAddress: string | null | undefined
+) =>
+  [
+    QUERY_KEYS.destinationUsdcAccount,
+    destinationAddress
+  ] as unknown as QueryKey<DestinationUsdcAccountStatus>
+
+/**
+ * Checks whether a destination Solana address has a USDC token account.
+ * When it doesn't, returns the estimated one-time fee to create it.
+ * Use when the user pastes a destination address during USDC withdrawal (wallet route).
+ */
+export const useDestinationUsdcAccountCheck = (
+  destinationAddress: string | null | undefined,
+  options?: QueryOptions<DestinationUsdcAccountStatus>
+) => {
+  const { audiusSdk, env } = useQueryContext()
+  const isValidAddress =
+    !!destinationAddress &&
+    isValidSolAddress(destinationAddress as SolanaWalletAddress)
+
+  return useQuery<DestinationUsdcAccountStatus>({
+    queryKey: getDestinationUsdcAccountQueryKey(destinationAddress),
+    queryFn: async () => {
+      const sdk = await audiusSdk()
+      const connection = sdk.services.solanaClient.connection
+      const mint = new PublicKey(env.USDC_MINT_ADDRESS)
+      const destinationWallet = new PublicKey(destinationAddress!)
+
+      const destinationAta = getAssociatedTokenAddressSync(
+        mint,
+        destinationWallet,
+        true
+      )
+
+      const info = await connection.getAccountInfo(destinationAta)
+      if (info) return { hasUsdcAccount: true }
+
+      const rentExemptLamports =
+        await connection.getMinimumBalanceForRentExemption(TOKEN_ACCOUNT_SIZE)
+      const totalSolNeededLamports =
+        rentExemptLamports + ATA_TX_FEE_BUFFER_LAMPORTS
+      const totalSolNeededUi = totalSolNeededLamports / 1e9
+
+      const { quoteResult: costQuote } = await getJupiterQuoteByMintWithRetry({
+        inputMint: mint.toBase58(),
+        outputMint: SOL_MINT,
+        inputDecimals: USDC_DECIMALS,
+        outputDecimals: SOL_DECIMALS,
+        amountUi: totalSolNeededUi,
+        swapMode: 'ExactOut',
+        onlyDirectRoutes: false
+      })
+
+      const ataCreationFeeUsdc =
+        Number(BigInt(costQuote.inputAmount.amountString)) / 10 ** USDC_DECIMALS
+
+      return { hasUsdcAccount: false, ataCreationFeeUsdc }
+    },
+    enabled: isValidAddress && options?.enabled !== false,
+    staleTime: 60_000,
+    ...options
+  })
+}

packages/common/src/api/tan-query/wallets/useSendCoins.ts

@@ -164,7 +164,11 @@ export const useSendCoins = ({ mint }: { mint: string }) => {
         }
       }
     },
-    onError: (error, { amount, recipientWallet, source, recipientHandle }, context) => {
+    onError: (
+      error,
+      { amount, recipientWallet, source, recipientHandle },
+      context
+    ) => {
       if (context?.previousBalance) {
         const userId = currentUser?.user_id ?? null
         const queryKey = getUserCoinQueryKey(mint, userId)

packages/common/src/messages/walletMessages.ts

@@ -77,6 +77,12 @@ export const walletMessages = {
     amountTooLow: 'Amount must be greater than zero.',
     invalidAddress: 'A valid Solana USDC wallet address is required',
     minCashTransfer: 'A minimum of $5 is required for cash withdrawals.',
+    ataCreationFeeRequired: (feeDollars: string) =>
+      `Amount must cover the one-time account creation fee of $${feeDollars}`,
+    noUsdcAccountFound: (feeDollars?: string) =>
+      feeDollars != null
+        ? `No USDC account found. A one-time fee of $${feeDollars} will be deducted.`
+        : 'No USDC account found',
     pleaseConfirm:
       'Please confirm you have reviewed this transaction and accept responsibility for errors.',
     youMustConfirm: