function clearPendingAction()
    {
        $this->update([
            'pending_action' => null,
            'pending_action_data' => null,
            'awaiting_confirmation' => false,
            'awaiting_pin' => false,
        ]);
    }

    public function getFormattedMessages()
    {
        return collect($this->messages ?? [])->map(function ($msg) {
            return [
                'r