add money account upgrade controller

packages/money-account-upgrade-controller/CHANGELOG.md

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+# Changelog
+
+All notable changes to this project will be documented in this file.
+
+The format is based on [Keep a Changelog](https://keepachangelog.com/en/1.0.0/),
+and this project adheres to [Semantic Versioning](https://semver.org/spec/v2.0.0.html).
+
+## [Unreleased]
+
+### Added
+
+- Add `MoneyAccountUpgradeController` with multi-step `upgradeAccount` method that orchestrates address association, EIP-7702 authorization, delegation verification, and intent registration via CHOMP
+
+[Unreleased]: https://github.com/MetaMask/core/

packages/money-account-upgrade-controller/LICENSE

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+MIT License
+
+Copyright (c) 2026 MetaMask
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.

packages/money-account-upgrade-controller/README.md

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+# `@metamask/money-account-upgrade-controller`
+
+MetaMask Money account upgrade controller.
+
+## Installation
+
+`yarn add @metamask/money-account-upgrade-controller`
+
+or
+
+`npm install @metamask/money-account-upgrade-controller`
+
+## Contributing
+
+This package is part of a monorepo. Instructions for contributing can be found in the [monorepo README](https://github.com/MetaMask/core#readme).

packages/money-account-upgrade-controller/TODO.md

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+# MoneyAccountUpgradeController — Remaining Work
+
+## Step 0: Associate address
+
+- [ ] **Idempotency check**: `#associateAddress` currently always signs and submits. The CHOMP API returns 409 when already associated (which is handled as success), but we could skip the signing step entirely by checking state or querying CHOMP first.
+
+## Step 1: Submit authorization
+
+- [ ] **Fetch on-chain nonce**: The nonce is hardcoded to `0` (line 202). This needs to be replaced with an actual on-chain nonce fetch for the account — likely via an `eth_getTransactionCount` call or equivalent messenger action. CHOMP validates that the nonce matches.
+
+## Step 2: Verify delegation
+
+- [ ] **Caveat term encoding**: `#encodeCaveatTerms` does naive left-padded hex concatenation. Verify this matches the exact ABI encoding expected by the caveat enforcer contracts (may need proper ABI encoding via `@metamask/abi-utils` or similar).
+- [ ] **Use `@metamask/smart-accounts-kit`**: The description mentions using `createDelegation` from `@metamask/smart-accounts-kit` to build the delegation. This package is not yet in the repo — once it lands, the delegation construction in `#verifyDelegation` should use it instead of manual assembly.
+- [ ] **Import `ROOT_AUTHORITY` from `@metamask/delegation-controller`**: Currently defined locally as a constant. The delegation-controller has it but doesn't export it — once it's exported, import it instead.
+
+## Step 3: Save delegation
+
+- [ ] **Implement Authenticated User Storage save**: `#saveDelegation` is a stub (line 312-316). Needs the `@metamask/authenticated-user-storage` wrapper (PR currently open). Once available, save the signed delegation so CHOMP can read it at execution time via its internal VPC endpoint.
+
+## Step 4: Register intents
+
+- [ ] **Intent configuration**: The deposit/withdrawal intents are hardcoded with `mUSD` token symbol and `MAX_UINT256` allowance. These may need to come from config or be parameterised once requirements solidify.
+
+## General
+
+- [ ] **Resumability**: `upgradeAccount` runs all steps sequentially. If it fails mid-way and is retried, steps 0 and 2-4 will re-run from scratch. Consider checking persisted state at the start of each step to skip already-completed work (step 1 already does this via `getUpgrade`).
+- [ ] **`MoneyAccountController:getMoneyAccount`**: This action is declared in `AllowedActions` but not currently used. It was included anticipating the controller may need to look up account details. Remove if not needed, or use it to validate the address before starting.
+- [ ] **`#saveDelegation` unused `_chainId` parameter**: Will be needed once the stub is implemented — the storage call will likely need it.

packages/money-account-upgrade-controller/jest.config.js

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+/*
+ * For a detailed explanation regarding each configuration property and type check, visit:
+ * https://jestjs.io/docs/configuration
+ */
+
+const merge = require('deepmerge');
+const path = require('path');
+
+const baseConfig = require('../../jest.config.packages');
+
+const displayName = path.basename(__dirname);
+
+module.exports = merge(baseConfig, {
+  // The display name when running multiple projects
+  displayName,
+
+  // An object that configures minimum threshold enforcement for coverage results
+  coverageThreshold: {
+    global: {
+      branches: 100,
+      functions: 100,
+      lines: 100,
+      statements: 100,
+    },
+  },
+});

packages/money-account-upgrade-controller/package.json

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+{
+  "name": "@metamask/money-account-upgrade-controller",
+  "version": "0.1.0",
+  "description": "MetaMask Money account upgrade controller",
+  "keywords": [
+    "MetaMask",
+    "Ethereum"
+  ],
+  "homepage": "https://github.com/MetaMask/core/tree/main/packages/money-account-upgrade-controller#readme",
+  "bugs": {
+    "url": "https://github.com/MetaMask/core/issues"
+  },
+  "repository": {
+    "type": "git",
+    "url": "https://github.com/MetaMask/core.git"
+  },
+  "license": "MIT",
+  "sideEffects": false,
+  "exports": {
+    ".": {
+      "import": {
+        "types": "./dist/index.d.mts",
+        "default": "./dist/index.mjs"
+      },
+      "require": {
+        "types": "./dist/index.d.cts",
+        "default": "./dist/index.cjs"
+      }
+    },
+    "./package.json": "./package.json"
+  },
+  "main": "./dist/index.cjs",
+  "types": "./dist/index.d.cts",
+  "files": [
+    "dist/"
+  ],
+  "scripts": {
+    "build": "ts-bridge --project tsconfig.build.json --verbose --clean --no-references",
+    "build:all": "ts-bridge --project tsconfig.build.json --verbose --clean",
+    "build:docs": "typedoc",
+    "changelog:update": "../../scripts/update-changelog.sh @metamask/money-account-upgrade-controller",
+    "changelog:validate": "../../scripts/validate-changelog.sh @metamask/money-account-upgrade-controller",
+    "messenger-action-types:check": "tsx ../../packages/messenger-cli/src/cli.ts --check",
+    "messenger-action-types:generate": "tsx ../../packages/messenger-cli/src/cli.ts --generate",
+    "since-latest-release": "../../scripts/since-latest-release.sh",
+    "test": "NODE_OPTIONS=--experimental-vm-modules jest --reporters=jest-silent-reporter",
+    "test:clean": "NODE_OPTIONS=--experimental-vm-modules jest --clearCache",
+    "test:verbose": "NODE_OPTIONS=--experimental-vm-modules jest --verbose",
+    "test:watch": "NODE_OPTIONS=--experimental-vm-modules jest --watch"
+  },
+  "dependencies": {
+    "@metamask/base-controller": "^9.0.1",
+    "@metamask/chomp-api-service": "^0.0.0",
+    "@metamask/delegation-controller": "^2.1.0",
+    "@metamask/keyring-controller": "^25.2.0",
+    "@metamask/messenger": "^1.1.1",
+    "@metamask/money-account-controller": "^0.1.0"
+  },
+  "devDependencies": {
+    "@metamask/auto-changelog": "^3.4.4",
+    "@metamask/utils": "^11.9.0",
+    "@ts-bridge/cli": "^0.6.4",
+    "@types/jest": "^29.5.14",
+    "deepmerge": "^4.2.2",
+    "jest": "^29.2.5",
+    "ts-jest": "^29.2.5",
+    "tsx": "^4.20.5",
+    "typedoc": "^0.25.13",
+    "typedoc-plugin-missing-exports": "^2.0.0",
+    "typescript": "~5.3.3"
+  },
+  "engines": {
+    "node": "^18.18 || >=20"
+  },
+  "publishConfig": {
+    "access": "public",
+    "registry": "https://registry.npmjs.org/"
+  }
+}

packages/money-account-upgrade-controller/src/MoneyAccountUpgradeController-method-action-types.ts

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+/**
+ * This file is auto generated.
+ * Do not edit manually.
+ */
+
+import type { MoneyAccountUpgradeController } from './MoneyAccountUpgradeController';
+
+/**
+ * Runs the full upgrade sequence for a Money Account.
+ *
+ * @param address - The Money Account address to upgrade.
+ * @param chainId - The target chain for the upgrade.
+ * @returns A promise that resolves when the upgrade is complete.
+ */
+export type MoneyAccountUpgradeControllerUpgradeAccountAction = {
+  type: `MoneyAccountUpgradeController:upgradeAccount`;
+  handler: MoneyAccountUpgradeController['upgradeAccount'];
+};
+
+/**
+ * Union of all MoneyAccountUpgradeController action types.
+ */
+export type MoneyAccountUpgradeControllerMethodActions =
+  MoneyAccountUpgradeControllerUpgradeAccountAction;