feat(money): MUSD-827 Money Home design-review polishes (MetaMask#30437)

## **Description**

Applies the seven design-review polishes called out for MUSD-827 on the
Money Account Home surface:

- **Item 1** — `MoneyMusdTokenRow` subtitle on Home now reads
`${balance} • mUSD` instead of just `mUSD`. The row consumes the
existing `useMoneyAccountBalance` hook's `musdFiatFormatted` field
(spendable mUSD only — not the aggregated total).
- **Item 2** — "No MetaMask fee" badge on stables/aTokens rows in the
Earn Crypto section → "No fee".
- **Item 3** — "Convert" button label on per-asset rows in the Earn
Crypto section → "Add". The locale key name stays `convert` so call
sites are untouched.
- **Item 4** — The move-mUSD row in `MoneyAddMoneySheet` is hidden when
the user has no mUSD balance (`totalFiatRaw` non-positive or
unparseable). An unparseable value fails open and keeps the row visible.
- **Item 5** — When that row is shown, its label changes from "Transfer
your $X mUSD" → "Add your $X mUSD". The now-dead `move_musd_no_amount`
key is removed from `en.json`.
- **Item 8** — `MoneyHowItWorksView` description 1 is updated to mention
"curated by Veda and Steakhouse Financial" and to drop the em dash; a
new description 3 paragraph "Money account is powered by Monad." renders
after description 2.
- **Item 10** — The small How-It-Works tile in `MoneyCondensedInfoCards`
swaps `mm_how_it_works.png` for the new green bar-chart icon exported
from Figma (committed separately at the top of the branch as
`c3b1fc37af`).

Items 6, 7, and 9 from the parent design review are intentionally out of
scope (handled by MUSD-824, ticketed separately, and out-of-scope per
design direction respectively).

Only `locales/languages/en.json` is touched — non-English translations
come from the localization pipeline.

## **Changelog**

CHANGELOG entry: Polished the Money Account Home with the spendable mUSD
balance in the token row subtitle, a "No fee" badge and "Add" button on
Earn Crypto rows, a hidden "Add your $X mUSD" entry on the Add money
sheet when the balance is zero, a refreshed "How it works" description
and a new Monad attribution paragraph, and an updated How It Works tile
image.

## **Related issues**

Fixes:
[MUSD-827](https://consensyssoftware.atlassian.net/browse/MUSD-827)

## **Manual testing steps**

```gherkin
Feature: MUSD-827 Money Home design-review polishes

  Scenario: mUSD row subtitle on Home
    Given the user has a positive mUSD spendable balance
    When the user opens the Money tab
    Then the mUSD row subtitle reads "$<balance> • mUSD" (e.g. "$1.00 • mUSD")

  Scenario: Earn Crypto badge label
    Given the user has stablecoin or aToken balances eligible for the Earn Crypto section
    When the user scrolls to the Earn Crypto section on Money Home
    Then each subsidised-fee row shows the badge "No fee"
    And the per-asset action button reads "Add"

  Scenario: Add money sheet hides the move-mUSD row when balance is zero
    Given the user has $0 spendable mUSD
    When the user opens the Add money sheet from the Money Home Add button
    Then the sheet shows only "Convert crypto", "Deposit funds", and the disabled "Receive from external wallet" row
    And the "Add your $X mUSD" row is not rendered

  Scenario: Add money sheet shows the move-mUSD row with positive balance
    Given the user has a positive spendable mUSD balance (e.g. $12.34)
    When the user opens the Add money sheet from the Money Home Add button
    Then the third row reads "Add your $12.34 mUSD"

  Scenario: How It Works full screen
    Given the user is on the Money tab
    When the user opens "How it works"
    Then description 1 mentions "curated by Veda and Steakhouse Financial"
    And a third paragraph reads "Money account is powered by Monad."

  Scenario: How It Works tile image
    Given the user is on the Money tab in milestone or empty state
    When the user views the condensed info cards row
    Then the How-It-Works tile shows the new green bar-chart icon
```

## **Screenshots/Recordings**

### **Before**

### **After**

## **Pre-merge author checklist**

- [x] I've followed [MetaMask Contributor
Docs](https://github.com/MetaMask/contributor-docs) and [MetaMask Mobile
Coding
Standards](https://github.com/MetaMask/metamask-mobile/blob/main/.github/guidelines/CODING_GUIDELINES.md).
- [x] I've completed the PR template to the best of my ability
- [x] I've included tests if applicable
- [x] I've documented my code using [JSDoc](https://jsdoc.app/) format
if applicable
- [x] I've applied the right labels on the PR (see [labeling
guidelines](https://github.com/MetaMask/metamask-mobile/blob/main/.github/guidelines/LABELING_GUIDELINES.md)).
Not required for external contributors.

#### Performance checks (if applicable)

- [ ] I've tested on Android
- [ ] I've tested with a power user scenario
- [ ] I've instrumented key operations with Sentry traces for production
performance metrics

## **Pre-merge reviewer checklist**

- [x] I've manually tested the PR (e.g. pull and build branch, run the
app, test code being changed).
- [x] I confirm that this PR addresses all acceptance criteria described
in the ticket it closes and includes the necessary testing evidence such
as recordings and or screenshots.


[MUSD-827]:
https://consensyssoftware.atlassian.net/browse/MUSD-827?atlOrigin=eyJpIjoiNWRkNTljNzYxNjVmNDY3MDlhMDU5Y2ZhYzA5YTRkZjUiLCJwIjoiZ2l0aHViLWNvbS1KU1cifQ

<!-- CURSOR_SUMMARY -->
---

> [!NOTE]
> **Medium Risk**
> Primarily UI copy/label updates, but it also changes when the Add
Money sheet shows the mUSD move/add option based on parsed balances,
which could hide a user action if balance/rates are miscomputed.
> 
> **Overview**
> Polishes Money surfaces around mUSD and Earn Crypto CTAs: the Money
Home mUSD row now displays a formatted spendable balance in its subtitle
(via `useMusdBalance`), and per-token Earn Crypto actions/badges switch
to **“Add”** and **“No fee”**.
> 
> Updates the Add Money sheet to source balances from `useMusdBalance`,
**hide the mUSD move/add row when the user has no balance**, and format
the label as **“Add your {amount} mUSD”** (falling back to token amount
when fiat rates are unavailable). The How It Works screen copy is
refreshed and adds a third description paragraph attributing Monad;
tests and `en.json` strings are updated accordingly.
> 
> <sup>Reviewed by [Cursor Bugbot](https://cursor.com/bugbot) for commit
c2ea309. Bugbot is set up for automated
code reviews on this repo. Configure
[here](https://www.cursor.com/dashboard/bugbot).</sup>
<!-- /CURSOR_SUMMARY -->

Author: Kureev

app/components/UI/Money/Views/MoneyHomeView/MoneyHomeView.test.tsx

@@ -1,5 +1,5 @@
 import React from 'react';
-import { act, fireEvent } from '@testing-library/react-native';
+import { act, fireEvent, within } from '@testing-library/react-native';
 import { Linking } from 'react-native';
 import renderWithProvider from '../../../../../util/test/renderWithProvider';
 import MoneyHomeView from './MoneyHomeView';
@@ -28,6 +28,7 @@ import { useMoneyAccountCardLinkage } from '../../../Card/hooks/useMoneyAccountC
 import { getDetectedGeolocation } from '../../../../../reducers/fiatOrders';
 import { moneyFormatFiat } from '../../utils/moneyFormatFiat';
 import { useMusdConversion } from '../../../Earn/hooks/useMusdConversion';
+import { useMusdBalance } from '../../../Earn/hooks/useMusdBalance';
 
 const mockGoBack = jest.fn();
 const mockNavigate = jest.fn();
@@ -83,6 +84,10 @@ jest.mock('../../../Earn/hooks/useMusdConversion', () => ({
   useMusdConversion: jest.fn(),
 }));
 
+jest.mock('../../../Earn/hooks/useMusdBalance', () => ({
+  useMusdBalance: jest.fn(),
+}));
+
 jest.mock('../../../../../core/NavigationService', () => ({
   __esModule: true,
   default: {
@@ -124,6 +129,8 @@ const mockUseMusdConversion = jest.mocked(useMusdConversion);
 
 const mockUseMoneyAccountBalance = jest.mocked(useMoneyAccountBalance);
 
+const mockUseMusdBalance = jest.mocked(useMusdBalance);
+
 jest.mock(
   '../../../../UI/Assets/components/AssetLogo/AssetLogo',
   () => 'AssetLogo',
@@ -227,6 +234,17 @@ describe('MoneyHomeView', () => {
       },
     } as ReturnType<typeof useMoneyAccountBalance>);
 
+    mockUseMusdBalance.mockReturnValue({
+      hasMusdBalanceOnAnyChain: true,
+      hasMusdBalanceOnChain: () => true,
+      tokenBalanceByChain: {},
+      fiatBalanceByChain: {},
+      fiatBalanceFormattedByChain: {},
+      tokenBalanceAggregated: '1',
+      fiatBalanceAggregated: '1',
+      fiatBalanceAggregatedFormatted: '$1.00',
+    } as ReturnType<typeof useMusdBalance>);
+
     // Activity list renders when there are at least 10 transactions; pad the
     // mock set so the activity-related assertions below find the View all button.
     const paddedTransactions = Array.from({ length: 10 }, (_, index) => ({
@@ -883,9 +901,16 @@ describe('MoneyHomeView', () => {
     });
 
     it('initiates a custom conversion when a token Convert button is pressed', async () => {
-      const { getByText } = renderWithProvider(<MoneyHomeView />);
+      const { getByTestId } = renderWithProvider(<MoneyHomeView />);
 
-      fireEvent.press(getByText(strings('money.potential_earnings.convert')));
+      const potentialEarnings = getByTestId(
+        MoneyPotentialEarningsTestIds.CONTAINER,
+      );
+      fireEvent.press(
+        within(potentialEarnings).getByText(
+          strings('money.potential_earnings.add'),
+        ),
+      );
 
       expect(mockInitiateCustomConversion).toHaveBeenCalledWith(
         expect.objectContaining({
@@ -902,9 +927,16 @@ describe('MoneyHomeView', () => {
       );
       const Logger = jest.requireMock('../../../../../util/Logger');
 
-      const { getByText } = renderWithProvider(<MoneyHomeView />);
+      const { getByTestId } = renderWithProvider(<MoneyHomeView />);
 
-      fireEvent.press(getByText(strings('money.potential_earnings.convert')));
+      const potentialEarnings = getByTestId(
+        MoneyPotentialEarningsTestIds.CONTAINER,
+      );
+      fireEvent.press(
+        within(potentialEarnings).getByText(
+          strings('money.potential_earnings.add'),
+        ),
+      );
 
       await Promise.resolve();
 

app/components/UI/Money/Views/MoneyHomeView/MoneyHomeView.tsx

@@ -25,6 +25,7 @@ import { MoneyHomeViewTestIds } from './MoneyHomeView.testIds';
 import styleSheet from './MoneyHomeView.styles';
 import { useMusdConversionTokens } from '../../../Earn/hooks/useMusdConversionTokens';
 import { useMusdConversion } from '../../../Earn/hooks/useMusdConversion';
+import { useMusdBalance } from '../../../Earn/hooks/useMusdBalance';
 import { useMoneyAccountTransactions } from '../../hooks/useMoneyAccountTransactions';
 import useMoneyAccountBalance from '../../hooks/useMoneyAccountBalance';
 import { selectCurrentCurrency } from '../../../../../selectors/currencyRateController';
@@ -64,6 +65,8 @@ const MoneyHomeView = () => {
     isAggregatedBalanceLoading,
     apyPercent,
   } = useMoneyAccountBalance();
+  const { fiatBalanceAggregatedFormatted: musdFiatFormatted } =
+    useMusdBalance();
 
   const { tokens: conversionTokens } = useMusdConversionTokens();
   const { initiateCustomConversion } = useMusdConversion();
@@ -293,6 +296,7 @@ const MoneyHomeView = () => {
             <MoneyMusdTokenRow
               onPress={handleMusdRowPress}
               onAddPress={handleAddPress}
+              balance={musdFiatFormatted}
             />
             <Divider />
           </>

app/components/UI/Money/Views/MoneyHowItWorksView/MoneyHowItWorksView.test.tsx

@@ -38,6 +38,8 @@ jest.mock('../../../../../../locales/i18n', () => ({
         'Deposit mUSD into your Money account and earn up to 4% APY (variable) automatically. Funds go into a DeFi vault that generates returns across audited lending markets—no staking, no claiming, no lock-ups.',
       'money.how_it_works_page.description_2':
         'Your Money balance is your spending balance. Link your MetaMask Card to spend at 150M+ merchants worldwide. Your money keeps earning until the moment you use it.',
+      'money.how_it_works_page.description_3':
+        'Money account is powered by Monad.',
       'money.how_it_works_page.faq_title': 'Frequently asked questions',
       'money.how_it_works_page.faq_placeholder_answer': 'Coming soon.',
       'money.how_it_works_page.faq_q1': 'How does the 4% APY work?',
@@ -86,6 +88,17 @@ describe('MoneyHowItWorksView', () => {
     ).toBeOnTheScreen();
   });
 
+  it('renders the Monad attribution as the third description paragraph', () => {
+    const { getByTestId, getByText } = renderWithProvider(
+      <MoneyHowItWorksView />,
+    );
+
+    expect(
+      getByTestId(MoneyHowItWorksViewTestIds.DESCRIPTION_3),
+    ).toBeOnTheScreen();
+    expect(getByText('Money account is powered by Monad.')).toBeOnTheScreen();
+  });
+
   it('renders the FAQ title', () => {
     const { getByTestId } = renderWithProvider(<MoneyHowItWorksView />);
 

app/components/UI/Money/Views/MoneyHowItWorksView/MoneyHowItWorksView.testIds.ts

@@ -6,6 +6,7 @@ export const MoneyHowItWorksViewTestIds = {
   SECTION_TITLE: 'money-how-it-works-view-section-title',
   DESCRIPTION_1: 'money-how-it-works-view-description-1',
   DESCRIPTION_2: 'money-how-it-works-view-description-2',
+  DESCRIPTION_3: 'money-how-it-works-view-description-3',
   FAQ_TITLE: 'money-how-it-works-view-faq-title',
   FAQ_ITEM: (n: number) => `money-how-it-works-view-faq-item-${n}`,
 };

app/components/UI/Money/Views/MoneyHowItWorksView/MoneyHowItWorksView.tsx

@@ -184,6 +184,13 @@ const MoneyHowItWorksView = () => {
           >
             {strings('money.how_it_works_page.description_2')}
           </Text>
+          <Text
+            variant={TextVariant.BodyMd}
+            color={TextColor.TextAlternative}
+            testID={MoneyHowItWorksViewTestIds.DESCRIPTION_3}
+          >
+            {strings('money.how_it_works_page.description_3')}
+          </Text>
         </Box>
 
         <SectionDivider />

app/components/UI/Money/components/MoneyAddMoneySheet/MoneyAddMoneySheet.test.tsx

@@ -5,7 +5,7 @@ import MoneyAddMoneySheet from './MoneyAddMoneySheet';
 import { MoneyAddMoneySheetTestIds } from './MoneyAddMoneySheet.testIds';
 import { useMusdConversionFlowData } from '../../../Earn/hooks/useMusdConversionFlowData';
 import { useRampNavigation } from '../../../Ramp/hooks/useRampNavigation';
-import useMoneyAccountBalance from '../../hooks/useMoneyAccountBalance';
+import { useMusdBalance } from '../../../Earn/hooks/useMusdBalance';
 import { useMoneyAccountDeposit } from '../../hooks/useMoneyAccount';
 import {
   MUSD_CONVERSION_DEFAULT_CHAIN_ID,
@@ -38,9 +38,8 @@ jest.mock('../../../Ramp/hooks/useRampNavigation', () => ({
   useRampNavigation: jest.fn(),
 }));
 
-jest.mock('../../hooks/useMoneyAccountBalance', () => ({
-  __esModule: true,
-  default: jest.fn(),
+jest.mock('../../../Earn/hooks/useMusdBalance', () => ({
+  useMusdBalance: jest.fn(),
 }));
 
 jest.mock('../../hooks/useMoneyAccount', () => ({
@@ -87,8 +86,11 @@ describe('MoneyAddMoneySheet', () => {
     (useRampNavigation as jest.Mock).mockReturnValue({
       goToBuy: mockGoToBuy,
     });
-    (useMoneyAccountBalance as jest.Mock).mockReturnValue({
-      totalFiatFormatted: '$1,203.89',
+    (useMusdBalance as jest.Mock).mockReturnValue({
+      fiatBalanceAggregated: '1203.89',
+      fiatBalanceAggregatedFormatted: '$1,203.89',
+      hasMusdBalanceOnAnyChain: true,
+      tokenBalanceAggregated: '1203.89',
     });
     (useMoneyAccountDeposit as jest.Mock).mockReturnValue({
       initiateDeposit: mockInitiateDeposit,
@@ -102,7 +104,7 @@ describe('MoneyAddMoneySheet', () => {
 
     expect(getByText('Convert crypto')).toBeOnTheScreen();
     expect(getByText('Deposit funds')).toBeOnTheScreen();
-    expect(getByText('Transfer your $1,203.89 mUSD')).toBeOnTheScreen();
+    expect(getByText('Add your $1,203.89 mUSD')).toBeOnTheScreen();
     expect(getByText('Receive from external wallet')).toBeOnTheScreen();
     expect(getByText('Coming soon')).toBeOnTheScreen();
     expect(
@@ -139,21 +141,81 @@ describe('MoneyAddMoneySheet', () => {
   });
 
   it('preserves the locale fiat prefix in the Move mUSD row', () => {
-    (useMoneyAccountBalance as jest.Mock).mockReturnValue({
-      totalFiatFormatted: 'CA$1,500.00',
+    (useMusdBalance as jest.Mock).mockReturnValue({
+      fiatBalanceAggregated: '1500.00',
+      fiatBalanceAggregatedFormatted: 'CA$1,500.00',
+      hasMusdBalanceOnAnyChain: true,
+      tokenBalanceAggregated: '1500.00',
     });
     const { getByText } = renderWithProvider(<MoneyAddMoneySheet />);
 
-    expect(getByText('Transfer your CA$1,500.00 mUSD')).toBeOnTheScreen();
+    expect(getByText('Add your CA$1,500.00 mUSD')).toBeOnTheScreen();
   });
 
-  it('falls back to the no-amount copy when the mUSD balance is unavailable', () => {
-    (useMoneyAccountBalance as jest.Mock).mockReturnValue({
-      totalFiatFormatted: undefined,
+  it('hides the move-mUSD row when the selected EVM account has no mUSD tokens or fiat balance', () => {
+    (useMusdBalance as jest.Mock).mockReturnValue({
+      fiatBalanceAggregated: undefined,
+      fiatBalanceAggregatedFormatted: '$0.00',
+      hasMusdBalanceOnAnyChain: false,
+      tokenBalanceAggregated: '0',
     });
-    const { getByText } = renderWithProvider(<MoneyAddMoneySheet />);
 
-    expect(getByText('Transfer your mUSD')).toBeOnTheScreen();
+    const { queryByTestId } = renderWithProvider(<MoneyAddMoneySheet />);
+
+    expect(
+      queryByTestId(MoneyAddMoneySheetTestIds.MOVE_MUSD_OPTION),
+    ).toBeNull();
+  });
+
+  it('hides the move-mUSD row when the selected EVM account mUSD fiat balance is zero', () => {
+    (useMusdBalance as jest.Mock).mockReturnValue({
+      fiatBalanceAggregated: '0',
+      fiatBalanceAggregatedFormatted: '$0.00',
+      hasMusdBalanceOnAnyChain: false,
+      tokenBalanceAggregated: '0',
+    });
+
+    const { queryByTestId } = renderWithProvider(<MoneyAddMoneySheet />);
+
+    expect(
+      queryByTestId(MoneyAddMoneySheetTestIds.MOVE_MUSD_OPTION),
+    ).toBeNull();
+  });
+
+  it('shows the move-mUSD row with the "Add your $X mUSD" label when the selected EVM account mUSD fiat balance is positive', () => {
+    (useMusdBalance as jest.Mock).mockReturnValue({
+      fiatBalanceAggregated: '12.34',
+      fiatBalanceAggregatedFormatted: '$12.34',
+      hasMusdBalanceOnAnyChain: true,
+      tokenBalanceAggregated: '12.34',
+    });
+
+    const { getByTestId, getByText } = renderWithProvider(
+      <MoneyAddMoneySheet />,
+    );
+
+    expect(
+      getByTestId(MoneyAddMoneySheetTestIds.MOVE_MUSD_OPTION),
+    ).toBeOnTheScreen();
+    expect(getByText('Add your $12.34 mUSD')).toBeOnTheScreen();
+  });
+
+  it('shows the move-mUSD row with the token amount when the user has mUSD tokens but rates are unavailable', () => {
+    (useMusdBalance as jest.Mock).mockReturnValue({
+      fiatBalanceAggregated: undefined,
+      fiatBalanceAggregatedFormatted: '$0.00',
+      hasMusdBalanceOnAnyChain: true,
+      tokenBalanceAggregated: '42.5',
+    });
+
+    const { getByTestId, getByText } = renderWithProvider(
+      <MoneyAddMoneySheet />,
+    );
+
+    expect(
+      getByTestId(MoneyAddMoneySheetTestIds.MOVE_MUSD_OPTION),
+    ).toBeOnTheScreen();
+    expect(getByText('Add your 42.50 mUSD')).toBeOnTheScreen();
   });
 
   it('navigates to the Ramps buy flow with mUSD pre-selected when Deposit funds is pressed', () => {

app/components/UI/Money/components/MoneyAddMoneySheet/MoneyAddMoneySheet.tsx

@@ -1,6 +1,7 @@
 import React, { useCallback, useRef } from 'react';
 import { TouchableOpacity, View } from 'react-native';
 import { useNavigation } from '@react-navigation/native';
+import BigNumber from 'bignumber.js';
 import {
   BottomSheet,
   BottomSheetHeader,
@@ -18,7 +19,7 @@ import Tag from '../../../../../component-library/components/Tags/Tag';
 import { strings } from '../../../../../../locales/i18n';
 import { useStyles } from '../../../../../component-library/hooks';
 import { useMusdConversionFlowData } from '../../../Earn/hooks/useMusdConversionFlowData';
-import useMoneyAccountBalance from '../../hooks/useMoneyAccountBalance';
+import { useMusdBalance } from '../../../Earn/hooks/useMusdBalance';
 import {
   MUSD_CONVERSION_DEFAULT_CHAIN_ID,
   MUSD_TOKEN_ASSET_ID_BY_CHAIN,
@@ -42,7 +43,12 @@ const MoneyAddMoneySheet: React.FC = () => {
   const navigation = useNavigation();
   const { styles } = useStyles(styleSheet, {});
 
-  const { totalFiatFormatted } = useMoneyAccountBalance();
+  const {
+    fiatBalanceAggregated,
+    fiatBalanceAggregatedFormatted,
+    hasMusdBalanceOnAnyChain,
+    tokenBalanceAggregated,
+  } = useMusdBalance();
   const { getChainIdForBuyFlow } = useMusdConversionFlowData();
   const { goToBuy } = useRampNavigation();
   const { initiateDeposit } = useMoneyAccountDeposit();
@@ -79,16 +85,19 @@ const MoneyAddMoneySheet: React.FC = () => {
     sheetRef.current?.onCloseBottomSheet();
   }, []);
 
-  let moveMusdLabel: string;
-  if (totalFiatFormatted) {
-    moveMusdLabel = strings('money.add_money_sheet.move_musd', {
-      amount: totalFiatFormatted,
-    });
-  } else {
-    moveMusdLabel = strings('money.add_money_sheet.move_musd_no_amount');
-  }
+  const parsedMusdFiat = Number(fiatBalanceAggregated);
+  const hasParsedFiatBalance =
+    Number.isFinite(parsedMusdFiat) && parsedMusdFiat > 0;
+  const hasMusdBalance = hasMusdBalanceOnAnyChain || hasParsedFiatBalance;
+
+  const moveMusdAmount = hasParsedFiatBalance
+    ? fiatBalanceAggregatedFormatted
+    : new BigNumber(tokenBalanceAggregated).toFixed(2);
+  const moveMusdLabel = hasMusdBalance
+    ? strings('money.add_money_sheet.move_musd', { amount: moveMusdAmount })
+    : '';
 
-  const options: Option[] = [
+  const baseOptions: Option[] = [
     {
       label: strings('money.add_money_sheet.convert_crypto'),
       description: strings('money.add_money_sheet.convert_crypto_description'),
@@ -105,16 +114,22 @@ const MoneyAddMoneySheet: React.FC = () => {
       onPress: handleDepositFunds,
       testID: MoneyAddMoneySheetTestIds.DEPOSIT_FUNDS_OPTION,
     },
-    {
-      label: moveMusdLabel,
-      description: strings('money.add_money_sheet.move_musd_description'),
-      descriptionTestID: MoneyAddMoneySheetTestIds.MOVE_MUSD_DESCRIPTION,
-      icon: IconName.Add,
-      onPress: handleMoveMusd,
-      testID: MoneyAddMoneySheetTestIds.MOVE_MUSD_OPTION,
-    },
   ];
 
+  const options: Option[] = hasMusdBalance
+    ? [
+        ...baseOptions,
+        {
+          label: moveMusdLabel,
+          description: strings('money.add_money_sheet.move_musd_description'),
+          descriptionTestID: MoneyAddMoneySheetTestIds.MOVE_MUSD_DESCRIPTION,
+          icon: IconName.Add,
+          onPress: handleMoveMusd,
+          testID: MoneyAddMoneySheetTestIds.MOVE_MUSD_OPTION,
+        },
+      ]
+    : baseOptions;
+
   return (
     <BottomSheet
       ref={sheetRef}