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- GET /api/public/moonpay-url: returns a MoonPay checkout link for POL on Polygon (pol_polygon). With partner keys in config (moonpayPublicKey/ moonpaySecretKey, now PATCHable), the URL is HMAC-signed and prefilled with the member's own wallet address + shortfall amount; without keys it falls back to MoonPay's generic buy page. MoonPay is merchant of record - the site never touches funds. - Join page: when the connected wallet can't cover the Premium entry, a funding box appears with the exact shortfall, a buy button (new tab), and a refresh-balance button. - Training page: "buy POL with a card" callout after the funding video with the three things to get right (POL, Polygon network, own address). - Start page: one-line card-buy pointer under the sponsor card. - Chatbot canned answer + AI system prompt updated (funding guidance). Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>