SFT-8098: complete change verification before transaction review

### CHANGELOG.md
@@ -5,6 +5,7 @@ SPDX-License-Identifier: GPL-3.0-or-later
 -->
 
 ## Head
+- Complete change-address verification before transaction review
 - Identify network fees from unverifiable PSBT inputs as unverified
 - Validate the complete local xpub when importing multisig wallets
 - Require confirmation before using PSBT-proposed multisig wallets with temporary seeds,

### ports/stm32/boards/Passport/modules/flows/sign_psbt_common_flow.py
@@ -42,6 +42,8 @@ async def validate_psbt(self):
 
     async def check_multisig_import(self):
         from flows import ImportMultisigWalletFlow
+        from pages import ErrorPage
+        from tasks import double_check_psbt_change_task
 
         # Based on the import mode and whether this already exists, the validation step
         # will have set this flag.
@@ -51,6 +53,16 @@ async def check_multisig_import(self):
                 self.set_result(None)
                 return
 
+        # Review hides change destinations, so prove ownership before showing it.
+        gc.collect()
+        (error_msg, error) = await spinner_task('Validating transaction',
+                                                double_check_psbt_change_task, args=[self.psbt])
+        gc.collect()
+        if error is not None:
+            await ErrorPage(error_msg).show()
+            self.set_result(None)
+            return
+
         self.goto(self.show_transaction_details)
 
     async def show_transaction_details(self):
@@ -149,7 +161,6 @@ async def show_warnings(self):
             self.goto(self.sign_transaction)
 
     async def sign_transaction(self):
-        from tasks import double_check_psbt_change_task
         from utils import spinner_task
         from pages import ErrorPage, QuestionPage
 
@@ -166,16 +177,6 @@ async def sign_transaction(self):
             else:
                 self.back()
         else:
-            # TODO: Why do this here instead of in validate?
-            (error_msg, error) = await spinner_task('Signing Transaction',
-                                                    double_check_psbt_change_task, args=[self.psbt])
-
-            gc.collect()
-            if error is not None:
-                await ErrorPage(error_msg).show()
-                self.set_result(None)
-                return
-
             (error_msg, error) = await spinner_task('Signing Transaction',
                                                     sign_psbt_task, args=[self.psbt])
             gc.collect()

### ports/stm32/boards/Passport/modules/psbt.py
@@ -392,7 +392,7 @@ def validate(self, out_idx, txo, my_xfp, active_multisig):
         # careful and fully validate all the details.
         # - no output info is needed, in general, so
         #   any output info provided better be right, or fail as "fraud"
-        # - full key derivation and validation is done during signing, and critical.
+        # - the signing flow derives and validates change public keys before review.
         # - we raise fraud alarms, since these are not innocent errors
         #
 

### ports/stm32/boards/Passport/modules/tests/unit/psbt_multisig_approval.py
@@ -1,14 +1,31 @@
 # SPDX-FileCopyrightText: © 2026 Foundation Devices, Inc. <hello@foundation.xyz>
 # SPDX-License-Identifier: GPL-3.0-or-later
 #
-# Test approval of multisig wallets proposed by PSBTs.
+# Test wallet approval and change verification before transaction review.
 
 import common
 import flows
+import pages
+import stash
+import utils
 import uasyncio as asyncio
-from flows import SignPsbtCommonFlow
+from flows import Flow, SignPsbtCommonFlow
+from flows import sign_psbt_common_flow
 from public_constants import MUSIG_ASK, MUSIG_SKIP
-from utils import get_multisig_policy
+from ubinascii import unhexlify
+from utils import get_multisig_policy, str_to_keypath
+
+
+MY_XFP = 0x12345678
+OTHER_KEY = unhexlify('02c6047f9441ed7d6d3045406e95c07cd85c778e4b8cef3ca7abac09b95c709ee5')
+PATHS = ("m/84'/0'/0'/1/7", "m/86'/0'/0'/1/7", "m/48'/0'/0'/2'/1/7")
+# Public keys derived from the deterministic test seed bytes(range(32)).
+OWNED_KEYS = (
+    unhexlify('02477e5978ac99be533333b444e635fdee1001992c01dec8c41327cdb9a7d7b2a1'),
+    unhexlify('03bdb8d2c655d9d1fb6ff6533b43660033e5c23b2ca4b290223d813f08407d6bdb'),
+    unhexlify('03505e71bc8f2aa762c561194bf3aa6c315fb07a0cf63fd631e43a6a2c17674105'),
+)
+events = []
 
 
 class FakeImportMultisigWalletFlow:
@@ -20,13 +37,86 @@ def __init__(self, wallet):
         FakeImportMultisigWalletFlow.calls += 1
 
     async def run(self):
+        events.append('import')
         return self.result
 
 
 class FakePsbt:
     def __init__(self, needs_approval):
         self.multisig_import_needs_approval = needs_approval
         self.active_multisig = 'proposed-wallet'
+        self.my_xfp = MY_XFP
+        self.outputs = []
+
+
+class FakeOutput:
+    is_change = True
+
+    def __init__(self, path, key):
+        self.subpaths = {}
+        self.tap_subpaths = {}
+        if path == PATHS[1]:
+            self.tap_subpaths[key[1:]] = (str_to_keypath(MY_XFP, path), [])
+        else:
+            if path == PATHS[2]:
+                # The other cosigner must not be mistaken for our ownership proof.
+                self.subpaths[b'\x03' + OTHER_KEY[1:]] = str_to_keypath(0xabcdef01, path)
+            self.subpaths[key] = str_to_keypath(MY_XFP, path)
+
+
+class FakeNode:
+    def __init__(self, key):
+        self.key = key
+
+    def public_key(self):
+        return self.key
+
+
+class FakeSensitiveValues:
+    def __enter__(self):
+        events.append('verify')
+        return self
+
+    def __exit__(self, *_args):
+        events.append('clear')
+
+    def derive_path(self, path):
+        assert path in PATHS
+        events.append(path)
+        return FakeNode(OWNED_KEYS[PATHS.index(path)])
+
+
+class FakeErrorPage:
+    def __init__(self, text):
+        assert "BIP32 path doesn't match" in text
+
+    async def show(self):
+        events.append('error')
+
+
+class FakeQuestionPage:
+    def __init__(self, **_kwargs):
+        pass
+
+    async def show(self):
+        events.append('confirm')
+        return True
+
+
+async def fake_spinner_task(_text, task, args=()):
+    results = []
+
+    async def on_done(*result):
+        results.append(result)
+
+    await task(on_done, *args)
+    assert len(results) == 1
+    return results[0]
+
+
+async def fake_sign_psbt_task(on_done, _psbt):
+    events.append('sign')
+    await on_done(None, None)
 
 
 class FakeSettings:
@@ -43,52 +133,63 @@ def get(self, key, default=None):
         return default
 
 
-class FakeSignFlow:
+class FakeSignFlow(SignPsbtCommonFlow):
     def __init__(self, needs_approval):
+        Flow.__init__(self, initial_state=self.check_multisig_import)
         self.psbt = FakePsbt(needs_approval)
-        self.show_transaction_details = 'transaction-details'
-        self.completed = False
-        self.result = 'unset'
-        self.next_state = None
-
-    def set_result(self, result):
-        self.completed = True
-        self.result = result
 
-    def goto(self, state):
-        self.next_state = state
+    async def show_transaction_details(self):
+        events.append('review')
+        self.goto(self.sign_transaction)
 
 
 async def run_tests():
-    original_import_flow = flows.ImportMultisigWalletFlow
     original_settings = common.settings
+    replacements = (
+        (flows, 'ImportMultisigWalletFlow', FakeImportMultisigWalletFlow),
+        (pages, 'ErrorPage', FakeErrorPage),
+        (pages, 'QuestionPage', FakeQuestionPage),
+        (stash, 'SensitiveValues', FakeSensitiveValues),
+        (utils, 'spinner_task', fake_spinner_task),
+        (sign_psbt_common_flow, 'spinner_task', fake_spinner_task),
+        (sign_psbt_common_flow, 'sign_psbt_task', fake_sign_psbt_task),
+    )
+    originals = [(module, name, getattr(module, name)) for module, name, _ in replacements]
 
     try:
-        flows.ImportMultisigWalletFlow = FakeImportMultisigWalletFlow
+        for module, name, replacement in replacements:
+            setattr(module, name, replacement)
 
         FakeImportMultisigWalletFlow.result = False
         FakeImportMultisigWalletFlow.calls = 0
+        events.clear()
         flow = FakeSignFlow(needs_approval=True)
-        await SignPsbtCommonFlow.check_multisig_import(flow)
+        assert await flow.run() is None
         assert FakeImportMultisigWalletFlow.calls == 1
-        assert flow.completed
-        assert flow.result is None
-        assert flow.next_state is None
+        assert events == ['import']
 
         FakeImportMultisigWalletFlow.result = True
-        FakeImportMultisigWalletFlow.calls = 0
-        flow = FakeSignFlow(needs_approval=True)
-        await SignPsbtCommonFlow.check_multisig_import(flow)
-        assert FakeImportMultisigWalletFlow.calls == 1
-        assert not flow.completed
-        assert flow.next_state == flow.show_transaction_details
-
-        FakeImportMultisigWalletFlow.calls = 0
-        flow = FakeSignFlow(needs_approval=False)
-        await SignPsbtCommonFlow.check_multisig_import(flow)
-        assert FakeImportMultisigWalletFlow.calls == 0
-        assert not flow.completed
-        assert flow.next_state == flow.show_transaction_details
+        for needs_approval in (True, False):
+            events.clear()
+            flow = FakeSignFlow(needs_approval)
+            assert await flow.run() is flow.psbt
+            expected = ['import'] if needs_approval else []
+            assert events == expected + ['verify', 'clear', 'review', 'confirm', 'sign']
+
+        # Exercise the real ownership task and flow, with only the key store and UI replaced.
+        # Its sensitive-value context must close before review, and run just once.
+        for path, owned_key in zip(PATHS, OWNED_KEYS):
+            for key in (owned_key, OTHER_KEY):
+                events.clear()
+                flow = FakeSignFlow(needs_approval=False)
+                flow.psbt.outputs = [FakeOutput(path, key)]
+                result = await flow.run()
+                if key == owned_key:
+                    assert result is flow.psbt
+                    assert events == ['verify', path, 'clear', 'review', 'confirm', 'sign']
+                else:
+                    assert result is None
+                    assert events == ['verify', path, 'clear', 'error']
 
         common.settings = FakeSettings()
         assert get_multisig_policy() == MUSIG_ASK
@@ -98,7 +199,8 @@ async def run_tests():
 
         return_value.write(b'OK')
     finally:
-        flows.ImportMultisigWalletFlow = original_import_flow
+        for module, name, original in originals:
+            setattr(module, name, original)
         common.settings = original_settings