Buyer-specific HealthChain / USDC wallet-flow packet

Turn the merged payment-hook fix into a safe user-payment path.

HealthChain issue #24 is now closed by a focused PR that fixes the broken USDC hook path: connected-wallet balance reads, no-wallet guards, allowance checks, approve receipt waiting, and final transfer receipt tracking. This fixed-scope readback packages the remaining buyer/user contract before any live health-payment flow depends on it.

1. Wallet state matrix

Connected, disconnected, wrong-chain and missing-provider states mapped to balance, allowance and button behavior.

2. Allowance/receipt path

No-spend fixtures for enough allowance, insufficient allowance, approval pending/success/revert and transfer pending/success/revert.

3. Safe retry copy

Copy-ready user messages for approval waiting, transfer failure, duplicate-click prevention and support escalation.

Proof already shipped

PR Mosss-OS/healthchain#51 was merged on 2026-05-23, closing issue #24. It moved the payment hook away from the zero-address balance placeholder, waits for approval receipts before transfer, and tracks the final transfer hash.

Verification run for the merged PR:

Deliverables

Boundaries

This is a no-spend readback. It does not sign wallet messages, approve tokens, send transfers, move funds, call paid endpoints, touch private keys, or accept payment terms. If a live paid settlement trace is ever needed, Peter approval is required first.

Reference links