From 848bfdc091d126fbd97a359e3001cf3d1c7f42f7 Mon Sep 17 00:00:00 2001
From: TaprootFreak <142087526+TaprootFreak@users.noreply.github.com>
Date: Tue, 20 Jan 2026 21:20:33 +0100
Subject: [PATCH 1/2] feat(buy): make VIBAN mandatory for EUR transactions
 (#3005)

- Automatically create VIBAN for EUR when user has KYC level 50+
- Throw KycRequired error for EUR users with KYC level below 50
- Non-EUR currencies (CHF, GBP) remain unchanged
---
 .../core/buy-crypto/routes/buy/buy.service.ts | 29 +++++++++++++++++++
 1 file changed, 29 insertions(+)

diff --git a/src/subdomains/core/buy-crypto/routes/buy/buy.service.ts b/src/subdomains/core/buy-crypto/routes/buy/buy.service.ts
index 5031a1702e..b52c3c59e2 100644
--- a/src/subdomains/core/buy-crypto/routes/buy/buy.service.ts
+++ b/src/subdomains/core/buy-crypto/routes/buy/buy.service.ts
@@ -355,6 +355,35 @@ export class BuyService {
     asset?: Asset,
     wallet?: Wallet,
   ): Promise<BankInfoDto & { isPersonalIban: boolean; reference?: string }> {
+    // EUR: VIBAN is mandatory
+    if (selector.currency === 'EUR') {
+      if (selector.userData.kycLevel < KycLevel.LEVEL_50) {
+        throw new BadRequestException('KycRequired');
+      }
+
+      let virtualIban = await this.virtualIbanService.getActiveForUserAndCurrency(selector.userData, selector.currency);
+
+      if (!virtualIban) {
+        virtualIban = await this.virtualIbanService.createForUser(selector.userData, selector.currency);
+      }
+
+      const { address } = selector.userData;
+      return {
+        name: selector.userData.completeName,
+        street: address.street,
+        ...(address.houseNumber && { number: address.houseNumber }),
+        zip: address.zip,
+        city: address.city,
+        country: address.country?.name,
+        bank: virtualIban.bank.name,
+        iban: virtualIban.iban,
+        bic: virtualIban.bank.bic,
+        sepaInstant: virtualIban.bank.sctInst,
+        isPersonalIban: true,
+        reference: this.getBuyReference(buy?.bankUsage, false),
+      };
+    }
+
     // asset-specific personal IBAN
     if (
       buy &&

From ccb302c45d30b7bfed3904b9acd2999fc17157d0 Mon Sep 17 00:00:00 2001
From: TaprootFreak <142087526+TaprootFreak@users.noreply.github.com>
Date: Tue, 20 Jan 2026 22:13:11 +0100
Subject: [PATCH 2/2] feat(fiat-output): enable auto-completion for EUR
 transactions (#3010)

---
 .../supporting/fiat-output/fiat-output-job.service.ts          | 3 +--
 1 file changed, 1 insertion(+), 2 deletions(-)

diff --git a/src/subdomains/supporting/fiat-output/fiat-output-job.service.ts b/src/subdomains/supporting/fiat-output/fiat-output-job.service.ts
index a8d19cc2de..f23df436bb 100644
--- a/src/subdomains/supporting/fiat-output/fiat-output-job.service.ts
+++ b/src/subdomains/supporting/fiat-output/fiat-output-job.service.ts
@@ -393,7 +393,6 @@ export class FiatOutputJobService {
         amount: Not(IsNull()),
         isComplete: false,
         bankTx: { id: IsNull() },
-        isReadyDate: Not(IsNull()),
       },
       relations: { bankTx: { transaction: true }, bankTxReturn: true, bankTxRepeat: true },
     });
@@ -401,7 +400,7 @@ export class FiatOutputJobService {
     for (const entity of entities) {
       try {
         const bankTx = await this.getMatchingBankTx(entity);
-        if (!bankTx || entity.isReadyDate > bankTx.created) continue;
+        if (!bankTx || (entity.isReadyDate && entity.isReadyDate > bankTx.created)) continue;
 
         const updateData: Partial<FiatOutput> = {
           bankTx,