fix(recipients): tolerate missing SINPE owner names

lib/features/recipients/application/dtos/recipient_details_dto.dart

@@ -398,49 +398,43 @@ class RecipientDetailsDto {
         );
 
       // COSTA RICA
+      // ownerName is nullable by design for the SINPE types: the server fills it
+      // from a Ridivi lookup that can fail or be empty on older records.
+      // Requiring it here silently dropped those recipients (#2529).
       case RecipientType.sinpeIbanUsd:
         if (iban == null) {
           throw StateError('iban is required for SINPE_IBAN_USD.');
         }
-        if (ownerName == null) {
-          throw StateError('ownerName is required for SINPE_IBAN_USD.');
-        }
         return SinpeIbanUsdDetails.create(
           label: label,
           isDefault: def,
           isOwner: isOwner,
           iban: iban!,
-          ownerName: ownerName!,
+          ownerName: ownerName,
         );
 
       case RecipientType.sinpeIbanCrc:
         if (iban == null) {
           throw StateError('iban is required for SINPE_IBAN_CRC.');
         }
-        if (ownerName == null) {
-          throw StateError('ownerName is required for SINPE_IBAN_CRC.');
-        }
         return SinpeIbanCrcDetails.create(
           label: label,
           isDefault: def,
           isOwner: isOwner,
           iban: iban!,
-          ownerName: ownerName!,
+          ownerName: ownerName,
         );
 
       case RecipientType.sinpeMovilCrc:
         if (phoneNumber == null) {
           throw StateError('phoneNumber is required for SINPE_MOVIL_CRC.');
         }
-        if (ownerName == null) {
-          throw StateError('ownerName is required for SINPE_MOVIL_CRC.');
-        }
         return SinpeMovilCrcDetails.create(
           label: label,
           isDefault: def,
           isOwner: isOwner,
           phoneNumber: phoneNumber!,
-          ownerName: ownerName!,
+          ownerName: ownerName,
         );
 
       // ARGENTINA

lib/features/recipients/domain/value_objects/recipient_details.dart

@@ -378,39 +378,45 @@ class SpeiCardMxnDetails extends RecipientDetails {
 }
 
 // ── SINPE (CRC/USD)
+//
+// The owner name comes from a Ridivi lookup on the server, which can fail or be
+// empty on older records, so it is nullable by design (#2529). Display sites
+// fall back to the label and then to the account identifier.
+String? _nullIfBlank(String? value) {
+  final trimmed = value?.trim();
+  return trimmed == null || trimmed.isEmpty ? null : trimmed;
+}
+
 @immutable
 class SinpeIbanUsdDetails extends RecipientDetails {
   final String iban;
-  final String ownerName;
+  final String? ownerName;
 
   const SinpeIbanUsdDetails._({
     super.label,
     super.isDefault = false,
     super.isOwner,
     required this.iban,
-    required this.ownerName,
+    this.ownerName,
   });
 
   factory SinpeIbanUsdDetails.create({
     String? label,
     bool isDefault = false,
     bool? isOwner,
     required String iban,
-    required String ownerName,
+    String? ownerName,
   }) {
     if (iban.trim().isEmpty) {
       throw ArgumentError('IBAN cannot be empty');
     }
-    if (ownerName.trim().isEmpty) {
-      throw ArgumentError('Owner name cannot be empty');
-    }
 
     return SinpeIbanUsdDetails._(
       label: label,
       isDefault: isDefault,
       isOwner: isOwner,
       iban: iban.trim(),
-      ownerName: ownerName.trim(),
+      ownerName: _nullIfBlank(ownerName),
     );
   }
 
@@ -421,36 +427,33 @@ class SinpeIbanUsdDetails extends RecipientDetails {
 @immutable
 class SinpeIbanCrcDetails extends RecipientDetails {
   final String iban;
-  final String ownerName;
+  final String? ownerName;
 
   const SinpeIbanCrcDetails._({
     super.label,
     super.isDefault = false,
     super.isOwner,
     required this.iban,
-    required this.ownerName,
+    this.ownerName,
   });
 
   factory SinpeIbanCrcDetails.create({
     String? label,
     bool isDefault = false,
     bool? isOwner,
     required String iban,
-    required String ownerName,
+    String? ownerName,
   }) {
     if (iban.trim().isEmpty) {
       throw ArgumentError('IBAN cannot be empty');
     }
-    if (ownerName.trim().isEmpty) {
-      throw ArgumentError('Owner name cannot be empty');
-    }
 
     return SinpeIbanCrcDetails._(
       label: label,
       isDefault: isDefault,
       isOwner: isOwner,
       iban: iban.trim(),
-      ownerName: ownerName.trim(),
+      ownerName: _nullIfBlank(ownerName),
     );
   }
 
@@ -461,36 +464,33 @@ class SinpeIbanCrcDetails extends RecipientDetails {
 @immutable
 class SinpeMovilCrcDetails extends RecipientDetails {
   final String phoneNumber;
-  final String ownerName;
+  final String? ownerName;
 
   const SinpeMovilCrcDetails._({
     super.label,
     super.isDefault = false,
     super.isOwner,
     required this.phoneNumber,
-    required this.ownerName,
+    this.ownerName,
   });
 
   factory SinpeMovilCrcDetails.create({
     String? label,
     bool isDefault = false,
     bool? isOwner,
     required String phoneNumber,
-    required String ownerName,
+    String? ownerName,
   }) {
     if (phoneNumber.trim().isEmpty) {
       throw ArgumentError('Phone number cannot be empty');
     }
-    if (ownerName.trim().isEmpty) {
-      throw ArgumentError('Owner name cannot be empty');
-    }
 
     return SinpeMovilCrcDetails._(
       label: label,
       isDefault: isDefault,
       isOwner: isOwner,
       phoneNumber: phoneNumber.trim(),
-      ownerName: ownerName.trim(),
+      ownerName: _nullIfBlank(ownerName),
     );
   }
 

lib/features/recipients/interface_adapters/presenters/models/recipient_view_model.dart

@@ -138,19 +138,21 @@ sealed class RecipientViewModel with _$RecipientViewModel {
         if (label != null && label!.isNotEmpty) return label!;
         return null;
 
+      // ownerName is often absent for the SINPE types (#2529), so fall all the
+      // way back to the account identifier rather than showing nothing.
       case RecipientType.sinpeIbanUsd:
-        if (ownerName != null && ownerName!.isNotEmpty) return ownerName!;
-        if (label != null && label!.isNotEmpty) return label!;
-        return null;
-
       case RecipientType.sinpeIbanCrc:
         if (ownerName != null && ownerName!.isNotEmpty) return ownerName!;
         if (label != null && label!.isNotEmpty) return label!;
+        if (iban != null && iban!.isNotEmpty) return iban!;
         return null;
 
       case RecipientType.sinpeMovilCrc:
         if (ownerName != null && ownerName!.isNotEmpty) return ownerName!;
         if (label != null && label!.isNotEmpty) return label!;
+        if (phoneNumber != null && phoneNumber!.isNotEmpty) {
+          return phoneNumber!;
+        }
         return null;
       case RecipientType.bankAccountArgentina:
         if (name != null && name!.isNotEmpty) return name!;

test/features/recipients/application/dtos/recipient_details_dto_test.dart

@@ -0,0 +1,58 @@
+import 'package:bb_mobile/features/recipients/application/dtos/recipient_details_dto.dart';
+import 'package:bb_mobile/features/recipients/domain/value_objects/recipient_details.dart';
+import 'package:bb_mobile/features/recipients/domain/value_objects/recipient_type.dart';
+import 'package:bb_mobile/features/recipients/interface_adapters/presenters/models/recipient_view_model.dart';
+import 'package:flutter_test/flutter_test.dart';
+
+void main() {
+  group('nullable SINPE owner name', () {
+    test('mobile recipient remains valid without an owner name', () {
+      const dto = RecipientDetailsDto(
+        recipientType: RecipientType.sinpeMovilCrc,
+        phoneNumber: '8888-8888',
+      );
+
+      final details = dto.toDomain() as SinpeMovilCrcDetails;
+
+      expect(details.phoneNumber, '8888-8888');
+      expect(details.ownerName, isNull);
+    });
+
+    test('IBAN recipients remain valid without an owner name', () {
+      for (final type in [
+        RecipientType.sinpeIbanCrc,
+        RecipientType.sinpeIbanUsd,
+      ]) {
+        final dto = RecipientDetailsDto(
+          recipientType: type,
+          iban: 'CR05015202001026284066',
+        );
+        final details = dto.toDomain();
+        final ownerName = switch (details) {
+          SinpeIbanCrcDetails(:final ownerName) => ownerName,
+          SinpeIbanUsdDetails(:final ownerName) => ownerName,
+          _ => throw StateError('Unexpected details type'),
+        };
+
+        expect(ownerName, isNull);
+      }
+    });
+
+    test('display name falls back to label then identifier', () {
+      const labeled = RecipientViewModel(
+        id: 'recipient-1',
+        type: RecipientType.sinpeMovilCrc,
+        label: 'Family',
+        phoneNumber: '8888-8888',
+      );
+      const unlabeled = RecipientViewModel(
+        id: 'recipient-2',
+        type: RecipientType.sinpeMovilCrc,
+        phoneNumber: '8888-8888',
+      );
+
+      expect(labeled.displayName, 'Family');
+      expect(unlabeled.displayName, '8888-8888');
+    });
+  });
+}