blocker phase 5

client/src/services/bnpl/constants.ts

@@ -2,18 +2,12 @@
  * When true, the BNPL domain is served by the in-memory mock (`apis/mockApi.ts`) behind the `BnplApi`
  * seam.
  *
- * **Mock is primary this phase.** b12 ships the eligibility/initiate/webhook/settle endpoints server-side,
- * but the D1–D5 checkout cannot run real end-to-end from the client yet:
- *  - the accepted request being financed comes from the **mock-primary** `bookingRequests` store (f7), so a
- *    real `initiate` would reference an id that exists only in memory (same reason f9 payment is mock-primary);
- *  - the contract serves **no provider/plan options** (D1/D2), **no repayment schedule** (D4 — the contract
- *    explicitly does not model the customer's repayment schedule), and **no provider-reported installment
- *    status** for the Wallet (D5) → REQ-022/023/024;
- *  - nothing fires the provider webhook in dev, so a real order would never settle.
- * The mock closes the loop: the settle (down-payment cleared) converts the f7 request, inserts a **confirmed**
- * booking into the f8 store (the SAME bridge f9 uses — a settled BNPL order is a card payment net-of-fee),
- * and seeds a Wallet installment plan — so C6 → D1 → … → D4 → confirmation → D5 demos end-to-end. Flip to
- * `false` once the upstream domains are real and REQ-022/023/024 land — no hook/component change.
+ * **Mock is still primary** (blocker-phase 05 landed Bug A — the seeded BNPL gateway — but not Bug B):
+ * the D1 wizard hard-gates on `getBnplOptions` (`GET checkout_bnpl/options/{id}`), and `getBnplSchedule` /
+ * `getWalletInstallments` have no server counterpart either — `CheckoutBnplController` only ever grew
+ * `eligibility` / `initiate` / `GET {id}` / `by_request/{id}` (REQ-022/023/024 never landed). Flipping this
+ * flag today trades the old "mock store ages out" failure for an immediate `isError` on D1. Flip once those
+ * three endpoints exist server-side — no hook/component change needed at that point.
  */
 export const USE_BNPL_MOCK = true;