Builds the only valid first-deposit ordering: initialize (when needed),
bind the referrer, then request the deposit. Fee settlement uses the
referrer's live effective rates, including later tier-schedule and override
changes that raise, lower, or zero either component.
The returned instructions belong in one transaction. A user account with
any prior activity cannot be attributed under the current program rules.
The builder also fetches the referrer's registration and depositor accounts
to verify active status and the net-deposit threshold.
Deterministic eligibility failures use stable error messages; deposits below
the vault minimum throw BuilderDepositAmountTooLowError.
Builds the only valid first-deposit ordering: initialize (when needed), bind the referrer, then request the deposit. Fee settlement uses the referrer's live effective rates, including later tier-schedule and override changes that raise, lower, or zero either component.
The returned instructions belong in one transaction. A user account with any prior activity cannot be attributed under the current program rules. The builder also fetches the referrer's registration and depositor accounts to verify active status and the net-deposit threshold. Deterministic eligibility failures use stable error messages; deposits below the vault minimum throw
BuilderDepositAmountTooLowError.