bank landing: Generate own account instead of Get a fresh QR

Primary control creates a personal zero-balance account.

configs/bank-landing/index.html

@@ -435,6 +435,15 @@
       border-radius: 10px;
       font-weight: 600;
       font-size: 0.92rem;
+      background: transparent;
+      font: inherit;
+      cursor: pointer;
+      width: 100%;
+      max-width: 22rem;
+      box-sizing: border-box;
+    }
+    button.cta-sec:hover {
+      background: rgba(62, 207, 191, 0.1);
     }
     .cta-sec.merchant {
       color: #f0d090;
@@ -779,8 +788,8 @@
         </a>
         <p class="meta" id="withdraw-demo-meta">Preparing withdraw…</p>
         <p class="meta" id="withdraw-demo-amount" hidden></p>
-        <button type="button" class="cta-sec" id="withdraw-demo-refresh" style="margin-top:0.5rem">
+        <button type="button" class="cta-sec" id="generate-own-account" style="margin-top:0.5rem">
-          Get a fresh QR
+          Generate own account
         </button>
         <p class="balance-note" role="note">
           <strong>Surprising balance?</strong>
@@ -1149,10 +1158,18 @@
     }
 
     loadDemoWithdraw();
-    var refreshBtn = document.getElementById("withdraw-demo-refresh");
-    if (refreshBtn) refreshBtn.onclick = function () { loadDemoWithdraw(); };
 
     /* Collapsible folds (like settlement QR fold) */
+    function openFold(foldId, btnId, bodyId, onOpen) {
+      var fold = document.getElementById(foldId);
+      var btn = document.getElementById(btnId);
+      var body = document.getElementById(bodyId);
+      if (!fold || !body) return;
+      fold.classList.add("open");
+      if (btn) btn.setAttribute("aria-expanded", "true");
+      body.removeAttribute("hidden");
+      if (onOpen) onOpen();
+    }
     function wireFold(foldId, btnId, bodyId, onOpen) {
       var fold = document.getElementById(foldId);
       var btn = document.getElementById(btnId);
@@ -1171,9 +1188,9 @@
       });
     }
     wireFold("how-fold", "how-fold-toggle", "how-fold-body");
-    (function () {
+    var paintWebuiQrOnce = (function () {
       var webuiPainted = false;
-      wireFold("more-fold", "more-fold-toggle", "more-fold-body", function () {
+      return function () {
         if (webuiPainted) return;
         makeQr(
           document.getElementById("qr-webui"),
@@ -1181,8 +1198,10 @@
           document.getElementById("qr-webui-logo")
         );
         webuiPainted = true;
-      });
+      };
-
+    })();
+    wireFold("more-fold", "more-fold-toggle", "more-fold-body", paintWebuiQrOnce);
+    (function () {
       function createAutoAccount() {
         var btn = document.getElementById("auto-account-btn");
         var box = document.getElementById("auto-account-box");
@@ -1261,6 +1280,18 @@
           createAutoAccount();
         });
       }
+      /* Withdraw step: open optional fold + create personal account */
+      var genOwn = document.getElementById("generate-own-account");
+      if (genOwn) {
+        genOwn.addEventListener("click", function () {
+          openFold("more-fold", "more-fold-toggle", "more-fold-body", paintWebuiQrOnce);
+          var fold = document.getElementById("more-fold");
+          if (fold && fold.scrollIntoView) {
+            fold.scrollIntoView({ behavior: "smooth", block: "start" });
+          }
+          createAutoAccount();
+        });
+      }
     })();
 
     function fmtCest(unix, fallback) {