fix: block Stripe auto-fallback for non-US users

[Larkooo]

Summary

• The token fallback hook (useTokenFallback) auto-selects Stripe when no crypto token has sufficient balance — this was bypassing the US-only fiat gate from fix: gate KYC verification to US users only #2528
• Pass a no-op callback instead of onStripeSelect for non-US users so fiat checkout is never auto-selected outside the US

Test plan

• Non-US user with insufficient crypto balance should NOT auto-switch to credit card
• US user with insufficient crypto balance should still auto-fallback to Stripe

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[claude]

Claude finished @Larkooo's task —— View job

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Documentation analysis complete

Task: Review merged PR #2529 and determine if docs updates are needed.

Todo List

• Verify docs repository structure
• Analyze if change requires documentation updates
• Final decision

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Analysis

This PR fixes a bug where the token fallback hook was auto-selecting Stripe for non-US users when crypto balance was insufficient, bypassing the US-only fiat restriction from PR #2528.

The fix: Pass a no-op callback instead of onStripeSelect for non-US users (line 186 in the changed file):

onStripeSelect: isUS ? onStripeSelect : () => {},

Decision: No documentation updates needed

Rationale:

1. This is a bug fix, not a feature change — The US-only fiat restriction was already the intended behavior. This PR simply fixes unintended auto-fallback logic that was bypassing that restriction.

2. Existing documentation already reflects correct behavior — The docs at docs-repo/src/pages/controller/starter-packs.md:237 already states:

   Identity Verification (US users only): First-time US-based Stripe users must verify their identity... User location is determined via IP geolocation.

3. No user-facing API or behavior change — From a user's perspective:

   • US users: No change in behavior (still auto-fallback to Stripe when needed)
   • Non-US users: This fixes broken behavior where they were incorrectly being auto-switched to Stripe despite geo-restrictions

4. Internal implementation detail — The useTokenFallback hook behavior is an internal implementation detail, not a documented API surface.

Per the documentation update rules: "DEFAULT TO NO CHANGES. Most code PRs do not need docs updates. Internal refactors, test changes, CI changes, and dependency bumps need nothing."

This qualifies as an internal bug fix that restores intended behavior already documented.

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