a3e9d05f5d
Adds a synthesized next-step panel to /my: the level ladder (you-are-here → upgrade-next), the single clearest action (qualify vs upgrade), and a funded badge that checks the member's wallet against their next upgrade cost. Privacy: the wallet balance is checked server-side (chain.balanceOf via eth_getBalance) and ONLY a funded true/false is returned — the raw balance is never exposed on the ID-addressable dashboard. Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>