0) Staged onboarding status (v2)
Progression is deterministic: Create Squads -> Set Up Rails -> Verify posture -> Authority handoff readiness.
Loan activation is blocked until current_stage=complete and all stage checks are READY.
1) Wallet
This wizard uses wallet-standard connectors via Solana framework-kit. In wallet in-app browsers, direct wallet-standard usually appears first; WalletConnect-capable connectors appear if your wallet exposes them.
3) Create / Connect Squads + Transfer Authorities
All Squads-governed transactions are built and signed on this onboarding page using the currently connected wallet session. No app switch, no disconnect, and no separate Squads UI signer flow is required.
Controlled setup path: create (or paste) a Squads multisig, keep config authority during the loan, and transfer SPL authorities under Squads control.
3a) Create Squads (controlled path)
This prepares a single controlled `multisigCreateV2` transaction where your wallet is config authority. Leave second member blank for 1-of-1, or provide a second member for 1-of-2 / 2-of-2 style setups.
Policy lock: members/threshold must each be at least 1, and timelock must be at least 604800 seconds (7 days).
Default policy profile: friction-minimized (1-of-1, threshold 1, timelock 7 days, config-only custody mode on).
4) Configure repayment + creator-fee rails
Build controlled spending limits for future-fee routing: V0->V1 (creator-fee sweep bootstrap), V1->repayment (+ optional DSRA paths).
4b) One-click bundled execution
This sends all prepared setup instructions in one transaction first (Squads create -> authority transfers -> rails) to minimize wallet prompts. If one transaction does not fit, onboarding automatically falls back to split sends. If a valid Pump lock plan is present and your wallet is current admin, Pump admin transfer is included too.
5) Verify posture + handoff readiness
These fields drive stage-gating checks for verifier posture and authority handoff readiness.