v4.44 Release

🔍 Welcome Screen A/B — No-Internet Block

We've been showing a "no internet" block on the welcome screen based on three connectivity checks. Some users may be getting falsely blocked — this release runs an A/B test to find out.

• Control: Current behavior — block if any connectivity check fails
• Treatment: Skip the block, let the user proceed regardless
• Both variants still run all three checks and log results as analytics events
• New event properties: connectivity_checks_failed and connectivity_variant

This helps us understand how many users are being falsely rejected — and whether removing the gate improves onboarding conversion.

💼 WMM Bottom Sheet on Loan Offer Screen

Users who land on the L0 (first-time) loan offer screen will now see a WMM upsell bottom sheet after a 2-second delay.

• Appears automatically 2 seconds after the offer screen loads
• Tapping "Continue" navigates to WMM document upload
• Dismissing ("X") collapses to a compact banner at the bottom
• Controlled by remote config A/B flag — toggleable without a release
• Does not affect the WMM banner on the Home screen

⚡ Skip Onboarding Intro for KYC In-Progress Users

Users who had already submitted KYC were being looped back into the onboarding intro carousel on re-login. This adds unnecessary friction for returning users.

• Users with KYC status InProgress or ManualReview now go straight to Home
• Only users who haven't started KYC see the intro carousel
• Fixes a logic gap where all "NotVerified" KYC statuses were treated the same

Expected improvement: fewer drop-offs from returning KYC-submitted users.

✨ Loading & Reload — New Design

The loading and reload states across the app have been redesigned with a fresh visual treatment using the updated design system.

• New loading animation and visual language
• Reload state is clearer and more actionable
• Built using new UI component patterns from the design system
• Applied consistently across all screens with loading/reload states

🏦 ZA Disbursement Flow

The South Africa disbursement flow is now live — covering the full in-app journey from loan approval to funds reaching the customer.

• End-to-end disbursement journey for SA users
• Integrated with SA payment infrastructure
• Master task shipped — complete flow live in this release

Major milestone for the SA market launch.

💳 ZA Repayments — Automated Debit Collection

South Africa now has automated repayment collection. On the due date, funds are debited automatically using the mandate signed at onboarding.

• Automated debit on the due date — no action required from the customer
• Uses the existing loan mandate from onboarding
• Integrated with Paysoft as the SA payment partner
• Reduces manual collection overhead and improves SA repayment rates

Critical for SA unit economics — automated collection from day one.