android: fix the Invest banner showing briefly at start outside the US (#8013)

* android: fix the Invest banner showing briefly at start outside the US

* android: show the Invest banner's country condition at its call sites

* android: chat list docs say the Invest banner waits for the Play country

* android: chat list spec says the Invest banner condition's order matters

* android: docs map the Invest banner's conditions and note What's New's

* android: show crowdfunding in Play builds only once the country is known

---------

Co-authored-by: spacedandy-agents-simplex <342056592+spacedandy-agents-simplex@users.noreply.github.com>

apps/multiplatform/common/src/commonMain/kotlin/chat/simplex/common/views/onboarding/WhatsNewView.kt

@@ -1119,7 +1119,7 @@ fun crowdfundingAvailable(): Boolean {
       if (androidPlayStoreCountry.value == null) platform.androidLoadPlayStoreCountry()
     }
   }
-  return isInUs()
+  return androidPlayStoreCountry.value != null && isInUs()
 }
 
 fun isInUs(): Boolean =

apps/multiplatform/spec/client/chat-list.md

@@ -330,7 +330,7 @@ Uses `AnimatedViewState` (`GONE`, `VISIBLE`, `HIDING`) with a `MutableStateFlow`
 fun GetStakeBanner(showDismiss: Boolean, onTap: () -> Unit, onDismiss: () -> Unit)
 ```
 
-Gradient card inviting the user to invest on Wefunder. Shown only when `crowdfundingAvailable()` — always outside Play Store builds, and in Play builds only while the store country is the US or not yet known — and only while `getStakeBannerDismissed` is false.
+Gradient card inviting the user to invest on Wefunder. Shown only when `crowdfundingAvailable()` — always outside Play Store builds, and in Play builds only once the store country is known and is the US (or empty) — and only while `getStakeBannerDismissed` is false.
 
 ### Placement