/apps: per-card access-check loading and error states

[Psalmuel01]

Summary

The /apps cards check on-chain access via is_verified/check_claim. Add per-card loading spinners while checks run and a clear error state if the RPC read fails, so cards don't flash between denied/granted or appear stuck.

What to build

• Per-card state: loading | granted | denied | error
• Spinner while checking; retry affordance on error
• Debounce re-checks on wallet/network change

Acceptance criteria

• Each card shows loading → granted/denied/error
• RPC failure shows an error state with retry, not a false "denied"
• No flicker on wallet/network change
• pnpm tsc --noEmit and pnpm build pass---

✅ Merge requirements (read before starting)

Before this PR can be merged, all of the following must hold:

• All CI checks pass (contracts, frontend, circuits as applicable)
• Every Greptile review comment is addressed — no unresolved review threads
• Greptile confidence score is 4/5 or higher

Greptile performs the detailed code review on each PR. Please resolve its feedback fully before requesting a human merge — PRs below 4/5 or with open Greptile threads will not be merged.

[Realbaji16]

@Realbaji16 has applied to work on this issue as part of the Stellar Wave Program's 7th wave.

Hello, I have reviewed the issue and understand what needs to be done.

I would appreciate being assigned to it.

ℹ️ Repo Maintainers: To accept this application, review their application or assign @Realbaji16 to this issue.

[drips-wave]

Congratulations, @Realbaji16! 🎉 Your application was accepted by the repo's maintainers, and the issue is due on July 30, 2026.

🧑‍💻 @Realbaji16: Please resolve the issue such that the repo's maintainers have enough time to review your contribution before the due date. You'll earn Points for completing the issue on-time, which will make you eligible for a share of the Stellar Wave Program's reward pool.

Warning

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