Record autofill validation and delivery link

Reviewed-on: #43

.agents/skills/review-backend-change/SKILL.md

@@ -0,0 +1,59 @@
+---
+name: review-backend-change
+description: Review, fix, and validate the complete SXCHNGE backend contribution for a task. Use before reporting completion whenever Go, protobuf, or other backend code under backend/ was added or modified, or when the user requests a backend implementation review.
+---
+
+# Review Backend Change
+
+## Establish the review scope
+
+1. Read the repository root `AGENTS.md` and `backend/AGENTS.md` completely.
+2. Inspect repository status and the full backend diff attributable to the
+   current task, including uncommitted and committed changes against the task's
+   base.
+3. Separate unrelated pre-existing work from the task contribution. Preserve
+   it and do not include it in review fixes.
+4. Identify changed behavior, public or internal contracts, and expected test
+   coverage before judging individual lines.
+
+## Review and fix the contribution
+
+1. Apply every quality requirement in `backend/AGENTS.md` to the entire task diff,
+   not only the most recently edited file.
+2. Search the repository for canonical protobuf messages, enums, Go types,
+   interfaces, and shared domain definitions before accepting new ones.
+3. Check project-error usage, cause preservation, cohesion, naming, API and
+   module boundaries, duplication, dead code, and testability.
+4. Review structured logging at meaningful operational and domain boundaries.
+   Check level selection, context, sensitive-data handling, and duplicate error
+   logging.
+5. Review success, edge, and failure paths. Add or update focused tests for the
+   changed behavior.
+6. Fix every in-scope issue found, then re-read the resulting complete backend
+   diff. Repeat until no task-caused finding remains.
+
+Do not weaken checks, suppress failures, or modify unrelated user work to make
+validation pass.
+
+## Validate
+
+After review fixes are complete, run these commands from the repository root:
+
+```text
+make test
+make lint-backend
+```
+
+Then select and run every applicable security command from the change-scoped
+security completion requirements in the root `AGENTS.md`.
+
+All commands must succeed before reporting the backend task as complete. If a
+command fails, determine whether the task caused it and fix in-scope failures.
+Report an external or environmental blocker with the exact command and failure;
+never represent blocked validation as successful.
+
+## Report the result
+
+Summarize the reviewed backend scope, material fixes made during review, tests
+added or updated, and the outcome of each required command. Call out contract,
+migration, rollout, security, or observability implications that remain relevant.

.dockerignore

@@ -0,0 +1,16 @@
+.git
+.local
+**/.dart_tool
+**/build
+**/.env*
+**/node_modules
+**/*.pb.go
+frontend/app/lib/generated
+**/.DS_Store
+dist
+website
+**/config.yml
+**/tls
+**/*.pem
+**/*.key
+**/__pycache__

.gitignore

@@ -25,3 +25,18 @@ pnpm-debug.log*
 
 # Local editor configuration
 /.vscode/
+
+# Local BFF configuration and build output
+/backend/config.yml
+/backend/bff
+
+# Protobuf client bindings are generated, never committed.
+/backend/notifications/interface/notifications/**/*.pb.go
+/backend/notifications/config.yml
+/backend/notifications/notifications
+
+# Local container pins, Vault bootstrap material and service identities
+/.local/
+
+# Python bytecode
+__pycache__/

AGENTS.md

@@ -8,6 +8,36 @@
 - For cross-module work, apply every relevant scoped instruction file and
   completion workflow.
 
+## Autogenerated code
+
+- Never commit autogenerated code to the repository. This applies to backend,
+  frontend, shared packages, and every other module, including generated
+  protobuf bindings, API clients, serializers, and framework-generated code.
+- Commit the source definitions, generator configuration, and reproducible
+  generation commands instead. Generate code locally or during build and CI
+  workflows before any dependent validation or compilation steps.
+- Keep generated outputs ignored by Git. Do not force-add ignored generated
+  files or copy generated code into tracked source files.
+- Change the source definitions or generator inputs rather than editing
+  generated outputs. Document the generation workflow so a clean checkout can
+  build without committed generated code.
+
+## Local development tooling
+
+Use Make and shell for local development orchestration. Do not introduce Python
+scripts or a Python runtime dependency. Keep bootstrap tools inside Docker so
+the host needs only Make, a POSIX shell and Docker with Compose/BuildKit.
+
+## Container versions
+
+Use only the latest stable upstream releases for infrastructure, product base
+images, build stages and disposable test containers. Exclude prereleases and
+vendor mainline channels when a separate stable channel exists. Resolve stable
+versions when building, pull fresh manifests, and pin the resolved image digests
+for that local build. Fail when stable release resolution fails; never silently
+fall back to an older cached version. Keep the reproducible resolver tracked and
+its generated local pins ignored by Git.
+
 ## Data and state architecture
 
 Preserve explicit **DTO → mapper → service → data model → provider → UI**
@@ -74,8 +104,8 @@ repository changes do not require a branch.
 
 ## Scoped implementation requirements
 
-- For backend code under `api/`, read and follow
-  [`api/AGENTS.md`](api/AGENTS.md). Before reporting completion, use the
+- For backend code under `backend/`, read and follow
+  [`backend/AGENTS.md`](backend/AGENTS.md). Before reporting completion, use the
   [`$review-backend-change`](.agents/skills/review-backend-change/SKILL.md)
   skill.
 - For Dart or Flutter code under `frontend/`, read and follow
@@ -139,3 +169,18 @@ an uncommitted working tree. Preserve unrelated changes and avoid mixing them
 into task commits. Record scope, validation, limitations, and PR links in the
 task and durable repository documentation. Merge only when authorized by the
 user. If work is delivered as stacked PRs, document dependencies and merge order.
+
+## Local infrastructure ownership
+
+Keep infrastructure Dockerfiles under `infra/images/` and local Compose, service
+configuration and shell tooling under `infra/local/`. Keep product source under
+`backend/` and `frontend/`. Organize Vault KV paths by owning service under
+`services/<service>/<purpose>`, infrastructure under `infrastructure/<component>/<purpose>`,
+and bootstrap administration under `infrastructure/<component>/bootstrap`.
+Do not add BFF-to-notifications caller authentication on the trusted private network.
+Preserve NATS authentication.
+Use Caddy for local browser HTTPS and certificate management. Treat the private
+local Docker network as trusted; do not add internal gRPC TLS or Vault-managed
+local TLS certificates without an explicit requirement.
+Store only secret values in Vault. Driver selection, sender identities, endpoints
+and other non-secret runtime settings belong in service configuration files.

Makefile

@@ -1,6 +1,11 @@
+.PHONY: test
+
+test: test-backend test-frontend
+
 .PHONY: test-frontend
 
 test-frontend:
+	cd frontend/app && flutter gen-l10n
 	cd frontend/packages/sxchnge_wallet && flutter test
 	cd frontend/packages/sxchnge_kyc && flutter test
 	cd frontend/packages/sxchnge_analytics && flutter test
@@ -8,3 +13,89 @@ test-frontend:
 	cd frontend/packages/sxchnge_theme && flutter test
 	cd frontend/packages/sxchnge_theme/example && flutter test
 	cd frontend/app && flutter test
+
+.PHONY: test-backend lint-backend run-backend
+
+test-backend: generate-notifications
+	docker pull mongo:latest
+	docker pull nats:latest
+	cd backend/shared && go test -race -count=1 ./...
+	cd backend/notifications/interface && go test -race -count=1 ./...
+	cd backend/notifications && go test -race -count=1 ./...
+	cd backend/product && go test -race -count=1 ./...
+
+lint-backend: generate-notifications
+	cd backend/product && go test ./architecture
+	cd backend && test -z "$$(gofmt -l .)"
+	cd backend/shared && go vet ./...
+	cd backend/notifications/interface && go vet ./...
+	cd backend/notifications && go vet ./...
+	cd backend/product && go vet ./...
+
+run-backend:
+	cd backend/product && go run .
+
+.PHONY: run-notifications generate-notifications
+run-notifications: generate-notifications
+	cd backend/notifications && go run .
+
+generate-notifications:
+	@command -v protoc >/dev/null
+	@tmp=$$(mktemp -d); trap 'rm -rf "$$tmp"' EXIT; \
+	GOBIN="$$tmp" go install google.golang.org/protobuf/cmd/protoc-gen-go@v1.36.11 && \
+	GOBIN="$$tmp" go install google.golang.org/grpc/cmd/protoc-gen-go-grpc@v1.5.1 && \
+	PATH="$$tmp:$$PATH" protoc -I backend/notifications/interface/proto --go_out=backend/notifications/interface --go_opt=module=git.sendico.io/tech/sxchnge/notifications/interface --go-grpc_out=backend/notifications/interface --go-grpc_opt=module=git.sendico.io/tech/sxchnge/notifications/interface backend/notifications/interface/proto/v1/interface.proto
+
+.PHONY: package-notifications-interface
+package-notifications-interface: generate-notifications
+	mkdir -p dist
+	tar -czf dist/notifications-proto-v1.tar.gz -C backend/notifications/interface proto README.md
+	tar -czf dist/notifications-go-v1.tar.gz -C backend/notifications/interface go.mod go.sum notifications README.md
+
+# Local product stack. Releases are resolved afresh, then pinned by digest.
+COMPOSE = docker compose --project-directory . -f infra/local/compose.yml --env-file .local/dev/images.env
+ifneq ($(wildcard .local/dev/sendico/settings.env),)
+COMPOSE += -f infra/local/sendico/compose.yml
+endif
+.PHONY: build up down logs ps test-dev
+build:
+	sh infra/local/tools.sh build
+	sh infra/local/tools.sh images
+	$(COMPOSE) pull vault mongo
+	$(COMPOSE) build --pull
+
+up:
+	sh infra/local/tools.sh up
+
+down:
+	$(COMPOSE) down
+
+logs:
+	$(COMPOSE) logs --tail=100 -f
+
+ps:
+	$(COMPOSE) ps
+
+test-dev:
+	sh infra/local/tools.sh test
+	sh infra/local/tools.sh verify
+
+.PHONY: test-dev-infra
+test-dev-infra:
+	sh infra/local/tools.sh test
+	sh infra/local/tools.sh verify-infra
+
+.PHONY: test-dev-rotation
+test-dev-rotation:
+	sh infra/local/tools.sh rotation
+
+.PHONY: email test-dev-tooling
+email:
+	sh infra/local/tools.sh email
+
+test-dev-tooling:
+	sh infra/local/tools.sh test
+
+.PHONY: sendico
+sendico:
+	sh infra/local/tools.sh sendico

README.md

@@ -1,7 +1,7 @@
 # SXCHNGE
 
 Product repository for the sxchnge public website, Flutter consumer app, reusable
-packages, and planned backend for frontend (BFF).
+packages, and a backend for frontend (BFF) bootstrapped from Sendico.
 
 ## Current state
 
@@ -9,10 +9,11 @@ The consumer app includes responsive login/signup, English and Russian
 localization, email verification and recovery screens, and URL-based navigation
 with `go_router`. Its interface uses the shared theme's colors and typography.
 
-**Authentication, email verification and analytics use dummy services.** No real
-account or session is created, no email is delivered, and no analytics data is
-transmitted. The backend is documentation only. Session/KYC access guards and
-Sendico integration are not implemented.
+The default preview uses dummy services. Configuring the existing backend URL
+and client ID selects authenticated BFF adapters for auth, identity, limits and
+wallet quotations/payment execution. Optional Sendico configuration and dedicated
+customer financial resources are required for real operations; analytics still
+defaults to an in-memory sink. See [payment setup and rollout](docs/payments.md).
 
 ## Repository structure
 
@@ -23,7 +24,7 @@ Sendico integration are not implemented.
 | [`sxchnge_theme`](frontend/packages/sxchnge_theme/README.md) | Reusable light/dark themes and bundled Onest font |
 | [`sxchnge_auth`](frontend/packages/sxchnge_auth/README.md) | Shared auth contracts, providers, two-factor page and dummy services |
 | [`sxchnge_analytics`](frontend/packages/sxchnge_analytics/README.md) | Typed journey events, recorder and bounded in-memory dummy analytics |
-| [`backend/`](backend/README.md) | Planned BFF and Sendico integration boundaries |
+| [`backend/`](backend/README.md) | Copied BFF/auth/account foundation and isolated public Sendico contracts |
 | [`.agents/skills/`](.agents/skills) | Repository agent skills |
 | [`docs/`](docs/implementation.md) | Implementation records and UX measurement contracts |
 
@@ -31,6 +32,24 @@ Each application owns its dependencies and build configuration. Shared Dart and
 Flutter packages can be reused by a future mobile app; mobile runners are not
 currently included. Local `.vscode/` configuration is ignored.
 
+## Local Docker development
+
+```sh
+make build && make up
+```
+
+This builds the product images and starts an isolated Vault, authenticated MongoDB
+replica set and NATS JetStream. First startup intentionally stops after bootstrap
+until you set `api_key` in Vault's `kv/services/notifications/email/resend` secret
+and the verified sender in `infra/local/notifications/runtime.yml`.
+Then rerun `make up` to start notifications, BFF and the frontend at
+[https://localhost:5126](https://localhost:5126).
+
+All image inputs resolve to current stable releases and are pinned by digest for
+the build. Services fetch secrets from Vault; Mongo application credentials come
+from Vault's database plugin. See the [local development guide](docs/local-development.md)
+for Vault provisioning, local HTTPS trust, lifecycle commands and verification.
+
 ## Run the consumer app
 
 Requires Flutter **3.47.0 or later** with Dart **3.13.0 or later** (below Dart 4), matching
@@ -53,7 +72,8 @@ Output is `frontend/app/build/web/`. To inspect that build locally, from the
 repository root:
 
 ```sh
-python3 -m http.server 5123 --bind 127.0.0.1 --directory frontend/app/build/web
+docker run --rm --pull always -p 127.0.0.1:5123:80 \
+  -v "$PWD/frontend/app/build/web:/srv:ro" caddy:alpine caddy file-server --root /srv --listen :80
 ```
 
 Open [the local app](http://127.0.0.1:5123/). The language selector supports EN/RU
@@ -143,18 +163,21 @@ usability, accessibility and journey measurement under the repository's UX rules
 
 ## Product boundaries
 
-The intended integration is: **consumer app → sxchnge BFF → supported Sendico API**.
+The integration is: **consumer app → sxchnge BFF → Sendico public HTTP API**.
+SXCHNGE is one organization in Sendico; its customers are owned locally.
+Local accounts have no organization tenancy, membership, roles or policy engine.
 
 - sxchnge will own consumer registration/sessions, onboarding and exchange UX,
-  and mappings to stable, organization-scoped Sendico customer references.
+  and mappings from local customers to organization-scoped platform resources.
 - Sendico remains authoritative for payment execution, KYC records and
   verification, policy decisions and limit enforcement.
 - The sxchnge organization, backend integration principal and individual customer
   references are distinct identities. Consumers must not share the integration
   account's customer identity.
-- The BFF should use a supported API contract rather than copying Sendico's BFF
-  or depending on its local internal modules. Integration credentials belong in
-  the backend.
+- The BFF uses only the public HTTP API. Existing BFF/auth/account components
+  are copied into SXCHNGE-owned code; private transports and sibling module
+  dependencies are not used.
+  Integration credentials belong in the backend.
 
 Before backend integration, agree on the customer, KYC, eligibility/limits and
 customer-scoped payment contracts for one complete transaction flow. These are
@@ -224,3 +247,18 @@ instructions also support authenticator challenges; actual TOTP enrollment,
 validation and recovery remain backend integration work. See the
 [two-factor UX contract](docs/ux/two-factor.md) and
 [shared auth package](frontend/packages/sxchnge_auth/README.md).
+
+## Backend integration plan
+
+The [BFF architecture and Sendico service audit](docs/architecture/bff.md) defines
+consumer identity, financial-provider boundaries, reusable components, contract
+gaps and delivery phases. Selected Sendico code has been adapted with recorded
+[provenance](backend/PROVENANCE.md); the projects share no runtime modules.
+
+Run `make test-backend`, `make lint-backend` or `make run-backend` from the root.
+The runtime installs local authentication, verification delivery, identity and
+wallet transports. Public Sendico adapters support independent customer facts,
+reviewed identity/limits and quotation/execution through the BFF. Deployment and
+financial-resource provisioning are separate; backend account-language saving
+and additional funding/recipient onboarding remain follow-up work. See the
+[backend run guide](backend/README.md) and [payment integration](docs/payments.md).

backend/AGENTS.md

@@ -0,0 +1,132 @@
+# Backend Agent Guidelines
+
+These instructions extend the repository-wide rules in the root `AGENTS.md`
+and apply whenever a task adds or modifies backend code, including Go and
+protobuf files under `backend/`.
+
+Before completing the task, review the entire backend diff produced by the
+current task, fix every in-scope issue found, and then perform the required
+validation. Use the
+[`$review-backend-change`](../.agents/skills/review-backend-change/SKILL.md)
+skill to perform this completion workflow.
+
+## Reuse existing definitions
+
+- Search the repository before introducing a protobuf message, enum, Go struct,
+  interface, or shared domain type.
+- Reuse or extend the canonical existing definition when its semantics match.
+  Do not create parallel representations or conversion layers for the same
+  concept without a clear architectural reason.
+- Avoid naming stutter in packages, types, fields, parameters, and access paths.
+  Each nested name should add meaning instead of repeating its parent context.
+  For example, prefer a concise path such as `payment.Details.ID` over
+  `payment.Payment.PaymentID`.
+
+## Reuse shared database and messaging infrastructure
+
+- All database integrations must use the existing shared database wrappers in
+  `backend/shared/database`. Do not bypass them with direct database clients or
+  create feature-local replacements.
+- All NATS connections must use shared messaging drivers owned by the
+  `backend/shared` library module. Keep reusable NATS drivers in
+  `backend/shared/messaging`; executable modules must consume that package.
+  Do not open direct NATS connections or implement separate connection
+  management in a feature or service.
+- If the shared messaging package is missing, consolidate the existing driver
+  into `backend/shared/messaging` and reuse it. Do not create another
+  feature-local driver or import a sibling executable module's infrastructure.
+- Search for the existing wrappers, drivers, and their usage before implementing
+  an integration. Reuse their connection lifecycle, configuration, retries, and
+  other infrastructure behavior instead of copying or rewriting it.
+- If an integration needs a capability the shared infrastructure does not yet
+  expose, extend the canonical wrapper or driver. Keep reusable infrastructure
+  there and domain-specific behavior in the owning module.
+- During review, check that database and NATS integrations use these shared
+  paths and remove any duplicated infrastructure introduced by the task.
+
+## Use the project error model
+
+- Do not introduce `fmt.Errorf` or `errors.New`. Use the constructors and
+  wrapping helpers in `backend/shared/errors`.
+- Preserve the underlying cause when adding context by using an appropriate
+  `merrors` wrapping helper.
+- When no suitable project error exists, add the smallest generally useful
+  definition or helper to `backend/shared/errors` instead of creating an ad hoc error
+  elsewhere.
+
+## Keep modules cohesive and names concise
+
+- Review touched files for excessive size, mixed responsibilities, duplicated
+  logic, and poor separation of concerns.
+- Refactor oversized contributions into focused, cohesive files or packages.
+  Do not split code mechanically; organize it along clear domain or
+  architectural boundaries.
+- Avoid repeating directory or package context in child directory and file
+  names. For example, prefer `payment/widget.dart` over
+  `payment/payment_widget.dart`.
+
+## Review implementation quality
+
+- Review the current task's backend contribution for correctness, readability,
+  maintainability, testability, and consistency with the surrounding
+  architecture.
+- Keep public APIs and module boundaries small and intentional. Remove
+  unnecessary indirection, duplication, dead code, and speculative abstractions.
+- Add or update tests for changed behavior, edge cases, and failure paths.
+- Fix all findings caused by the current task before reporting completion.
+
+## Review logging
+
+- Ensure the contribution has sufficient structured logging at meaningful
+  operational and domain boundaries. Include useful identifiers and context,
+  but never log credentials, secrets, or sensitive payment data.
+- Follow the repository's logging style and use levels consistently:
+  - `Debug`: fine-grained runtime execution tracking useful during debugging.
+  - `Info`: important payment-domain events, module-boundary operations,
+    effective module configuration, and noteworthy but expected deviations from
+    the usual path.
+  - `Warn`: runtime errors and unexpected conditions from which the service can
+    continue or which are returned to a caller.
+  - `Error`: unrecoverable failures that cause, or imminently lead to, service
+    or component termination.
+- Avoid logging the same error repeatedly at multiple layers. Log it where the
+  layer has enough context to make the event actionable.
+
+## Required validation
+
+- From the repository root, run `make test` and `make lint-backend`, plus every
+  applicable command from the root `AGENTS.md` change-scoped security
+  requirements, after all review fixes are complete.
+- All commands must succeed before the task is reported as complete. Fix
+  failures introduced by the current task; do not silently skip, suppress, or
+  weaken checks.
+- Report the commands run and their outcomes in the final response. If an
+  external or environmental blocker prevents a command from running, report
+  the exact command, failure, and blocker explicitly; do not claim successful
+  validation.
+
+## SXCHNGE provider boundary
+
+SXCHNGE owns auth, sessions and customer management. SXCHNGE is one organization
+inside Sendico. This organization reference belongs only in the public provider
+adapter configuration. Local customers have no organizations, tenant IDs,
+membership, roles or policy engine. Do not copy platform scaffolding to satisfy
+unused dependencies; remove those dependencies from the selected components.
+Copied BFF components are locally owned and may diverge.
+Use only Sendico's public HTTP API for platform operations. Never import sibling
+Sendico modules or access its database, internal gRPC APIs, discovery or message
+bus. Keep consumed public wire contracts inside the owning adapter, separate
+from local DTOs and models. Do not copy unused API snapshots.
+Resolve the configured provider organization and customer resource ownership on
+the server. Never treat all customers as the backend integration principal.
+Use the copied structured logger, injected at operational boundaries.
+
+## Go module structure
+
+`backend/` groups independent Go modules; it is not itself a Go module.
+`product/` is the customer-facing executable and owns its `main.go` and `go.mod`.
+`shared/` is a library module for reusable infrastructure and has no entry point.
+Backoffice belongs in its own executable module (`backoffice/`) when implemented,
+with its own entry point and configuration, not inside the product executable.
+Keep feature models, storage, services and transport together inside their owning
+module. Shared infrastructure must not import a product or backoffice module.

backend/PROVENANCE.md

@@ -0,0 +1,81 @@
+# Copied Sendico source
+
+Source repository: `S_I/sendico` (`git.sendico.io`), revision
+`8bb20dcd622dd8eb92d289b6b34411e7eccab083`.
+
+[PROVENANCE.json](PROVENANCE.json) records each retained file, its original path
+and Git blob, and whether a Go file changed beyond import-path replacement and
+formatting. It currently covers 233 Go source/test entries across `product` and `shared`
+(one original configuration file contributes to two feature packages). Sources came from the pinned commit, not the dirty Sendico checkout.
+These are SXCHNGE-owned copies that may diverge independently.
+
+## Retained implementation
+
+- Chi HTTP runtime, process/version bootstrap, structured logging and health.
+- Customer password validation/hashing, account repository and account service.
+- Customer login, pending verification, session validation, refresh rotation,
+  revocation, browser cookies/CSRF and login rate limiting.
+- Verification issuance, expiry, attempts, consumption and idempotency.
+- Local Mongo connection, transactions and the repository/query implementation
+  required by account, session and verification storage, with retained tests.
+## Adaptations and exclusions
+
+The backend contains Go modules `git.sendico.io/tech/sxchnge/product` and
+`git.sendico.io/tech/sxchnge/shared`. Product owns its executable entry point;
+shared is a dependency library with no executable or domain-module imports. The composition root selects
+local customer services. Discovery, message-bus registration, private gRPC and
+platform factories are absent. Process identity and the refresh cookie use SXCHNGE.
+Startup validates required settings and timeouts, closes failed connections and
+preserves process failures. Errors use `merrors`; logs exclude raw DB settings.
+
+The earlier extraction retained too much. Local organizations, membership,
+roles, Casbin, policies, invitations, policy seeding and their repositories and
+models are removed. There is no replacement tenant or permissive enforcer.
+Unneeded financial models/errors, ledger and wallet provisioning metadata,
+platform service names, S3 configuration and WebSocket scaffolding are removed.
+Tests specific to removed features are removed with those implementations.
+
+The copied account service now creates a local customer from a raw password,
+hashes it and commits the customer and activation token atomically. It uses the
+same configured collections as login. Deletion revokes that customer's sessions
+and deletes its record atomically; it has no sole-member rule. The copied Mongo
+transaction helper joins an active outer transaction so verification does not
+commit separately from customer creation. Generic repositories no longer expose
+organization- or permission-bound operations. Customer responses use explicit DTO fields and a mapper; they have no anonymous
+organization-account flag or embedded database record. Refresh and protected
+handlers reject inactive customers; refresh checks account-bound application
+clients.
+
+## Local additions and limits
+
+Architecture tests reject private provider imports, policy-engine dependencies
+and local tenancy declarations. Fresh Mongo replica-set tests exercise the actual
+customer lifecycle, isolation, duplicate login, rollback, deletion/session
+revocation and runtime startup without a seed. Existing retained auth/session and
+verification tests remain in place.
+
+This is a bootstrap. Signup/profile HTTP wiring, verification delivery/completion
+and the public Sendico HTTP adapter remain explicit work in the
+[architecture plan](../docs/architecture/bff.md). The sole Sendico organization
+reference belongs to that adapter's configuration, never to local customers.
+
+## Module organization
+
+`backend/` groups modules; it has no root `go.mod`. The inherited `cmd`, `edge`,
+`internal`, `pkg` and empty `scripts` top-level directories are gone. `product`
+contains `main.go`, its manifest and app/customer/auth/session/verification code.
+`shared` owns its manifest and generic infrastructure. Models moved beside their
+owning features. Customer repository construction moved out of shared database
+code. Auth and verification configurations moved out of application interfaces.
+
+All 112 unconsumed public API snapshot files and their snapshot-only check were
+removed. Future public adapters will own just the wire types they consume.
+Backoffice is a separate future executable module, not an alias for product.
+
+## Second-factor separation (#40)
+
+The new `product/twofactor` domain service reuses the already copied
+`product/verification/store` issuance and consumption implementation at the pinned
+Sendico revision. No additional Sendico source files were copied. Coupled
+verification HTTP/session/private-messaging handlers were inspected but excluded.
+See [reuse decisions and domain boundary](../docs/architecture/two-factor.md).

backend/README.md

@@ -1,14 +1,39 @@
-# SXCHNGE backend
+# Go backend modules
 
-Reserved for a small backend for frontend (BFF) using a supported Sendico API. No service, runtime, or dependencies have been initialized yet.
+`backend/` groups independent Go modules. It is not an executable or a Go module.
 
-Planned responsibilities:
+```text
+backend/
+├── product/                 Customer-facing BFF executable
+│   ├── main.go
+│   ├── go.mod
+│   ├── app/                 Startup, composition, HTTP server and health
+│   ├── customers/           Customer service, models and Mongo repository
+│   ├── auth/                Login/protected HTTP routes, DTOs and configuration
+│   ├── sessions/            Session models, refresh storage, cookies and tokens
+│   └── verification/        Verification models, configuration and storage
+├── notifications/           Internal gRPC notification service and email workers
+│   └── interface/           Independent protobuf/client contract module
+└── shared/                  Reusable library module
+    ├── go.mod
+    ├── database/            Connection, transactions and repository primitives
+    ├── errors/
+    ├── logging/
+    └── …                    Generic HTTP, configuration and rate-limit helpers
+```
 
-- Consumer authentication and sessions, with a stable mapping to organization-scoped Sendico customer references.
-- Consumer-authorized access to onboarding, quotes, orders, and transaction history.
-- Product-specific orchestration and presentation of Sendico KYC, eligibility, and remaining-limit responses.
-- Server-side integration credentials and request correlation with Sendico.
+The backoffice BFF belongs in a separate `backend/backoffice/` executable module,
+with its own `main.go`, `go.mod`, configuration and operator authentication. It is
+not implemented by this customer-BFF bootstrap. Shared infrastructure has no
+`main.go` and must not depend on an executable module. The product module uses a
+local `replace` for `../shared`; each module has its own dependency manifest.
 
-Sendico owns payment execution, authoritative KYC evidence and verification records, policy evaluation, and limit reservations/enforcement. Do not copy its existing BFF or import local Sendico implementation modules.
+Run the product with `make run-backend`; see its [run guide](product/README.md).
+`make test` runs all backend modules and the frontend. `make lint-backend` checks
+all Go modules and their architecture boundaries.
 
-Before implementation, agree on customer registration and identity mapping, customer KYC operations, eligibility/limits reads, customer-scoped payment access, and retry/idempotency behavior. Validate consumer isolation even when multiple customers use the same sxchnge organization and integration principal.
+Copied source remains locally owned. See [provenance](PROVENANCE.md), the
+[architecture/API plan](../docs/architecture/bff.md) and the
+[delivery record](../docs/implementation.md).
+
+Notifications uses shared database and messaging infrastructure. See its [run guide](notifications/README.md) and [protobuf interface](notifications/interface/proto/v1/interface.proto). Generated client bindings are ignored; Make generates them before backend checks.

backend/notifications/PROVENANCE.md

@@ -0,0 +1,26 @@
+# Source provenance
+
+SendGrid driver source adapted from the local Sendico checkout at commit
+`8bb20dcd622dd8eb92d289b6b34411e7eccab083`:
+`api/notification/internal/server/notificationimp/mail/internal/sendgrid.go`.
+
+The adaptation retains SendGrid SDK message construction, sender configuration
+and personalization. It implements our provider-neutral `email.Sender` contract,
+accepts already-rendered subject/text/HTML, uses bounded context-aware HTTP,
+classifies delivery outcomes and never logs provider response bodies. Sendico's
+builders, dynamic-template dependency, notification events and unused producer
+were removed. Resend is a new driver using the same contract.
+
+Shared messaging was selected from that same Sendico revision's
+`api/pkg/messaging`: `config.go`, `capability/errors.go`, `reliable/transport.go`,
+`reliable/durable_settings.go`, `reliable/durable_settings_behavior.go`,
+`internal/natsb/broker.go`, `internal/natsb/config/config.go`, and
+`internal/natscap/durable.go`. The selected code lives in
+`backend/shared/messaging`, with imports adapted to SXCHNGE. The runtime composes
+those adapters and owns connection closure. Unused discovery, best-effort envelope
+subscriptions, platform stream registries and parking provisioning were omitted.
+The durable adapter was separated into transport, subscription and admin files;
+publishing now honors its context and fetch polling respects its bounded wait.
+
+No Sendico module or live Sendico infrastructure is required. Use SXCHNGE-owned
+MongoDB and NATS deployments.

backend/notifications/README.md

@@ -0,0 +1,99 @@
+# Notifications backend
+
+Independent internal gRPC service with durable asynchronous email delivery.
+The public contract belongs to [interface/proto/v1/interface.proto](interface/proto/v1/interface.proto).
+Generated clients are build artifacts, not committed source.
+
+## Architecture
+
+The gRPC transport maps protobuf DTOs to domain requests. The service validates
+and renders immutable template revisions, then saves a notification and its
+pending-work state atomically in one document through the shared DB wrapper.
+The outbox dispatcher publishes opaque IDs using shared messaging's durable
+transport, adapted from Sendico. A durable NATS worker claims the notification
+with an atomic conditional patch and saves the outcome before acknowledging.
+`DriverConfig` selects the email driver: `sendgrid` or `resend`.
+
+Email adapters only map rendered email models to provider wire payloads. SendGrid
+uses adapted Sendico SDK construction; Resend uses its email HTTP API. Both support
+subject, text and HTML, bounded timeouts and safe error classification.
+
+## Run
+
+Requires Go 1.27, protoc, an SXCHNGE MongoDB database and a NATS server with
+JetStream enabled. Copy `config.example.yml` to an untracked `config.yml` here.
+Set `SXCHNGE_MONGO_URI`, `SXCHNGE_NATS_URL` and the selected email provider's API key environment
+variable. Configure a verified sender address and template
+catalog. Paths are relative to the process working directory.
+
+From the root, run `make run-notifications`. The gRPC listener uses plaintext on the private local network. Configure both
+`tls_cert` and `tls_key` only when TLS is explicitly required.
+Use a private authenticated NATS endpoint; `tls://` URLs and credentials in the URL
+are supported by the shared driver. Mongo and messaging both use shared
+`DriverConfig` settings; email settings reject unknown keys.
+
+The queue uses `SXCHNGE_NOTIFICATIONS`, subject `sxchnge.notifications.email`,
+and durable consumer `email`. Configure `queue.stream.replicas` as 1, 3 or 5 to
+match the NATS cluster, and `queue.stream.max_age_hours` for retention (48 hours
+minimum). File storage and the owned stream/subject names are enforced.
+`queue.provisioning.environment` accepts `production` or `non-production`;
+`mode: ops` validates existing resources without changing them, `mode: app`
+provisions missing resources, and `mode: hybrid` provisions only outside production.
+Production retention and consumer-setting drift fail startup instead of being
+silently accepted. Provisioning operations honor their startup context.
+The example defaults to one replica and app provisioning for local development.
+Multiple service workers can safely compete for jobs through atomic claims.
+
+## Templates and parameters
+
+See `templates.example.json`, including the `auth.activation` and `auth.login`
+English/Russian templates used by [product authentication](../../docs/auth-notifications.md). Parameters use Go template map syntax such as
+`{{.first_name}}`. Each revision declares the exact allowed parameter names and
+locale-specific content. Missing/extra parameters, unknown revisions/locales and
+invalid content are rejected before acceptance. Empty locale uses the default.
+Values are data, not executable templates; HTML is escaped by `html/template`.
+The catalog is loaded and compiled at startup. Never edit a published revision;
+add a new version. Rendered payloads are persisted so retries do not depend on a
+later catalog change. Recipient, body and subject are cleared on terminal state;
+remaining status and request fingerprints expire through a seven-day TTL.
+
+## Delivery semantics
+
+- Send persists before returning; it does not wait for NATS or the email provider.
+- Outbox scans every five seconds and republishes safely after a bus failure.
+  Pending notifications expire and have their rendered content cleared even when
+  the bus is unavailable or a retry is scheduled later.
+- Duplicate RPCs and duplicate broker deliveries do not create extra jobs/sends.
+- Provider HTTP 2xx becomes ACCEPTED. No receipt/webhook or read tracking is claimed.
+- Explicit rate limiting (429) retries with bounded exponential backoff and
+  Retry-After, at most five provider attempts, bounded by message expiry.
+- Transport errors, 408, 5xx and expired worker leases become UNKNOWN. These may
+  have sent the email; operators must reconcile before requesting another send.
+- Other provider failures are terminal. `provider_authentication_failed` signals
+  credentials/permissions, `provider_rejected` a nonretryable rejection,
+  `retry_exhausted` the attempt limit, and `expired` the message deadline.
+- Resend receives the notification ID as its provider idempotency key. Its window
+  is 24 hours. SendGrid has no equivalent guarantee; exactly-once external email
+  delivery is not promised.
+- Changing the configured driver fails queued jobs pinned to the old driver with
+  `driver_changed`. Drain queued jobs before changing sender credentials/config.
+- Callers authorize recipients and preferences. No direct customer-database access,
+  bulk campaigns, provider failover, SMS, push or Telegram delivery is included.
+
+Structured logs report notification IDs, driver, state and attempt count; message
+content, template values, addresses and provider response bodies are excluded.
+Monitor pending age, UNKNOWN/FAILED states and repeated outbox/worker warnings.
+
+## Validate and distribute
+
+`make test` and `make lint-backend` generate interfaces and validate all modules.
+Notifications tests exercise real disposable MongoDB and NATS containers, concurrent
+idempotency and claims, lease recovery, retries, transport authentication, rendering
+and both provider payloads through local HTTP servers. An authenticated TLS gRPC
+Send/Get test covers the full shared-database → NATS → rendered-email driver path.
+No live emails are sent.
+`make package-notifications-interface` prepares source and Go-client archives.
+See [provenance](PROVENANCE.md) and [contract usage](interface/README.md).
+
+Provider references: [SendGrid Mail Send](https://www.twilio.com/docs/sendgrid/api-reference/mail-send/mail-send),
+[Resend Send Email](https://resend.com/docs/api-reference/emails/send-email).

backend/notifications/app/config.go

@@ -0,0 +1,51 @@
+package app
+
+import (
+	"bytes"
+	"io"
+	"os"
+
+	"git.sendico.io/tech/sxchnge/notifications/bus"
+	"git.sendico.io/tech/sxchnge/notifications/email"
+	db "git.sendico.io/tech/sxchnge/shared/database"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	"git.sendico.io/tech/sxchnge/shared/messaging"
+	"gopkg.in/yaml.v3"
+)
+
+type Config struct {
+	Queue     bus.Config       `yaml:"queue"`
+	Messaging messaging.Config `yaml:"messaging"`
+	Listen    string           `yaml:"listen"`
+	TLSCert   string           `yaml:"tls_cert"`
+	TLSKey    string           `yaml:"tls_key"`
+	Database  db.Config        `yaml:"database"`
+	Templates string           `yaml:"templates"`
+	Email     email.Config     `yaml:"email"`
+}
+
+func Load(path string) (Config, error) {
+	c := Config{Queue: bus.DefaultConfig()}
+	data, err := os.ReadFile(path)
+	if err != nil {
+		return c, merrors.OpaqueWrap(merrors.ErrInvalidArg, err, "cannot read configuration")
+	}
+	decoder := yaml.NewDecoder(bytes.NewReader(data))
+	decoder.KnownFields(true)
+	if err = decoder.Decode(&c); err != nil {
+		return c, merrors.InvalidArgument("invalid configuration")
+	}
+	if err = decoder.Decode(new(any)); err != io.EOF {
+		return c, merrors.InvalidArgument("unexpected configuration content")
+	}
+	if c.Listen == "" || c.Database.Driver != db.Mongo || c.Messaging.Driver != messaging.BBNats || c.Templates == "" {
+		return c, merrors.InvalidArgument("missing notification configuration")
+	}
+	if (c.TLSCert == "") != (c.TLSKey == "") {
+		return c, merrors.InvalidArgument("both TLS certificate and key must be configured together")
+	}
+	if err = c.Queue.Validate(); err != nil {
+		return c, err
+	}
+	return c, nil
+}

backend/notifications/app/config_test.go

@@ -0,0 +1,55 @@
+package app
+
+import (
+	"os"
+	"path/filepath"
+	"testing"
+)
+
+func TestExampleConfigAndSecrets(t *testing.T) {
+	c, err := Load("../config.example.yml")
+	if err != nil {
+		t.Fatal(err)
+	}
+	if c.Email.Driver != "resend" || c.Messaging.Driver != "NATS" || c.Database.Driver != "mongodb" {
+		t.Fatal("wrong driver configuration")
+	}
+	data, err := os.ReadFile("../config.example.yml")
+	if err != nil {
+		t.Fatal(err)
+	}
+	path := filepath.Join(t.TempDir(), "config.yml")
+	if err = os.WriteFile(path, append(data, []byte("\n---\nunexpected: document\n")...), 0600); err != nil {
+		t.Fatal(err)
+	}
+	if _, err = Load(path); err == nil {
+		t.Fatal("extra YAML document accepted")
+	}
+}
+
+func TestPlaintextConfigAndIncompleteTLS(t *testing.T) {
+	c, err := Load("../config.example.yml")
+	if err != nil {
+		t.Fatal(err)
+	}
+	options, err := serverOptions(c)
+	if err != nil || len(options) != 0 {
+		t.Fatal("plain gRPC must not require TLS material")
+	}
+	data, err := os.ReadFile("../config.example.yml")
+	if err != nil {
+		t.Fatal(err)
+	}
+	for _, partial := range []string{"\ntls_cert: missing.crt\n", "\ntls_key: missing.key\n"} {
+		path := filepath.Join(t.TempDir(), "config.yml")
+		if err := os.WriteFile(path, append(data, []byte(partial)...), 0600); err != nil {
+			t.Fatal(err)
+		}
+		if _, err := Load(path); err == nil {
+			t.Fatal("incomplete TLS configuration accepted")
+		}
+	}
+	if _, err := serverOptions(Config{TLSCert: "missing.crt", TLSKey: "missing.key"}); err == nil {
+		t.Fatal("bad explicit certificate accepted")
+	}
+}

backend/notifications/app/run.go

@@ -0,0 +1,112 @@
+package app
+
+import (
+	"context"
+	"crypto/tls"
+	"net"
+	"sync"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/notifications/bus"
+	"git.sendico.io/tech/sxchnge/notifications/email"
+	pb "git.sendico.io/tech/sxchnge/notifications/interface/notifications/v1"
+	"git.sendico.io/tech/sxchnge/notifications/service"
+	"git.sendico.io/tech/sxchnge/notifications/store"
+	"git.sendico.io/tech/sxchnge/notifications/templates"
+	"git.sendico.io/tech/sxchnge/notifications/transport"
+	db "git.sendico.io/tech/sxchnge/shared/database"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	mlogger "git.sendico.io/tech/sxchnge/shared/logging"
+	msgruntime "git.sendico.io/tech/sxchnge/shared/messaging/runtime"
+	"go.uber.org/zap"
+	"google.golang.org/grpc"
+	"google.golang.org/grpc/credentials"
+)
+
+func Run(ctx context.Context, c Config, logger mlogger.Logger) error {
+	catalog, err := templates.Load(c.Templates)
+	if err != nil {
+		return err
+	}
+	sender, err := email.New(c.Email)
+	if err != nil {
+		return err
+	}
+	options, err := serverOptions(c)
+	if err != nil {
+		return err
+	}
+	client, err := db.ConnectMongo(logger, &c.Database)
+	if err != nil {
+		return merrors.OpaqueWrap(merrors.ErrServiceUnavailable, err, "connect notifications database")
+	}
+	defer func() {
+		cleanup, cancel := context.WithTimeout(context.Background(), 5*time.Second)
+		defer cancel()
+		_ = client.Disconnect(cleanup)
+	}()
+	startup, cancel := context.WithTimeout(ctx, 20*time.Second)
+	defer cancel()
+	repo, err := store.New(logger, client.Database())
+	if err != nil {
+		return err
+	}
+	rt, err := msgruntime.New(logger, &c.Messaging)
+	if err != nil {
+		return err
+	}
+	defer rt.Close()
+	svc := service.New(repo, catalog, sender, string(c.Email.Driver), logger)
+	broker, err := bus.New(startup, rt.Durable, rt.DurableAdmin, repo, svc, logger, c.Queue)
+	if err != nil {
+		return err
+	}
+	defer broker.Close()
+	server := grpc.NewServer(append(options, grpc.MaxRecvMsgSize(128<<10), grpc.MaxConcurrentStreams(64))...)
+	pb.RegisterNotificationsServiceServer(server, transport.New(svc))
+	listener, err := net.Listen("tcp", c.Listen)
+	if err != nil {
+		return merrors.OpaqueWrap(merrors.ErrServiceUnavailable, err, "listen for notifications")
+	}
+	defer listener.Close()
+	runCtx, stop := context.WithCancel(ctx)
+	defer stop()
+	var wg sync.WaitGroup
+	for _, run := range []func(context.Context){broker.RunPublisher, broker.RunWorker} {
+		wg.Add(1)
+		go func() { defer wg.Done(); run(runCtx) }()
+	}
+	serveErr := make(chan error, 1)
+	go func() { serveErr <- server.Serve(listener) }()
+	logger.Info("Notifications service started", zap.String("listen", c.Listen), zap.String("email_driver", string(c.Email.Driver)))
+	select {
+	case <-ctx.Done():
+	case err = <-serveErr:
+	}
+	stop()
+	stopped := make(chan struct{})
+	go func() { server.GracefulStop(); close(stopped) }()
+	select {
+	case <-stopped:
+	case <-time.After(5 * time.Second):
+		server.Stop()
+	}
+	wg.Wait()
+	if err != nil {
+		return merrors.OpaqueWrap(merrors.ErrInternal, err, "notification server stopped unexpectedly")
+	}
+	logger.Info("Notifications service stopped")
+	return nil
+}
+
+// An omitted certificate pair uses plaintext gRPC on the private service network.
+func serverOptions(c Config) ([]grpc.ServerOption, error) {
+	if c.TLSCert == "" && c.TLSKey == "" {
+		return nil, nil
+	}
+	cert, err := tls.LoadX509KeyPair(c.TLSCert, c.TLSKey)
+	if err != nil {
+		return nil, merrors.OpaqueWrap(merrors.ErrInvalidArg, err, "invalid gRPC TLS certificate")
+	}
+	return []grpc.ServerOption{grpc.Creds(credentials.NewTLS(&tls.Config{Certificates: []tls.Certificate{cert}, MinVersion: tls.VersionTLS12}))}, nil
+}

backend/notifications/bus/config.go

@@ -0,0 +1,38 @@
+package bus
+
+import (
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	"git.sendico.io/tech/sxchnge/shared/messaging/reliable"
+)
+
+// Config composes canonical shared messaging settings for this service's queue.
+type Config struct {
+	Stream       reliable.DurableStreamSettings       `yaml:"stream"`
+	Provisioning reliable.DurableProvisioningSettings `yaml:"provisioning"`
+}
+
+func DefaultConfig() Config {
+	return Config{
+		Stream:       reliable.DurableStreamSettings{Name: "SXCHNGE_NOTIFICATIONS", Subjects: []string{subject}, Storage: "file", MaxAgeHours: 48, Replicas: 1},
+		Provisioning: reliable.DurableProvisioningSettings{Mode: reliable.DurableProvisioningApp, Environment: reliable.DurableEnvironmentNonProduction},
+	}
+}
+func (c Config) Validate() error {
+	if c.Stream.Name != "SXCHNGE_NOTIFICATIONS" || len(c.Stream.Subjects) != 1 || c.Stream.Subjects[0] != subject || c.Stream.Storage != "file" || c.Stream.MaxAgeHours < 48 || c.Stream.MaxAgeHours > 24*30 {
+		return merrors.InvalidArgument("invalid notifications stream configuration")
+	}
+	if c.Stream.Replicas != 1 && c.Stream.Replicas != 3 && c.Stream.Replicas != 5 {
+		return merrors.InvalidArgument("stream replicas must be 1, 3 or 5")
+	}
+	switch c.Provisioning.Mode {
+	case reliable.DurableProvisioningApp, reliable.DurableProvisioningOps, reliable.DurableProvisioningHybrid:
+	default:
+		return merrors.InvalidArgument("invalid stream provisioning mode")
+	}
+	switch c.Provisioning.Environment {
+	case reliable.DurableEnvironmentProduction, reliable.DurableEnvironmentNonProduction:
+	default:
+		return merrors.InvalidArgument("invalid stream provisioning environment")
+	}
+	return nil
+}

backend/notifications/bus/config_test.go

@@ -0,0 +1,23 @@
+package bus
+
+import (
+	"git.sendico.io/tech/sxchnge/shared/messaging/reliable"
+	"testing"
+)
+
+func TestQueueConfiguration(t *testing.T) {
+	config := DefaultConfig()
+	config.Stream.Replicas = 3
+	config.Provisioning.Mode = reliable.DurableProvisioningOps
+	config.Provisioning.Environment = reliable.DurableEnvironmentProduction
+	if err := config.Validate(); err != nil {
+		t.Fatal(err)
+	}
+	for _, change := range []func(*Config){func(c *Config) { c.Stream.Replicas = 0 }, func(c *Config) { c.Stream.Storage = "memory" }, func(c *Config) { c.Stream.MaxAgeHours = 1 }, func(c *Config) { c.Provisioning.Mode = "typo" }, func(c *Config) { c.Provisioning.Environment = "typo" }, func(c *Config) { c.Stream.Subjects = []string{"other"} }} {
+		c := DefaultConfig()
+		change(&c)
+		if err := c.Validate(); err == nil {
+			t.Fatal("invalid queue configuration accepted")
+		}
+	}
+}

backend/notifications/bus/dispatch.go

@@ -0,0 +1,111 @@
+// Package bus connects the notification outbox to the shared messaging runtime.
+package bus
+
+import (
+	"context"
+	"strconv"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/notifications/model"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	mlogger "git.sendico.io/tech/sxchnge/shared/logging"
+	"git.sendico.io/tech/sxchnge/shared/messaging/reliable"
+)
+
+const subject = "sxchnge.notifications.email"
+
+type Outbox interface {
+	Due(context.Context, time.Time) ([]model.Notification, error)
+	Recover(context.Context, time.Time) error
+}
+type Handler interface {
+	Dispatch(context.Context, string) (bool, error)
+}
+type Bus struct {
+	transport    reliable.Transport
+	subscription reliable.Subscription
+	outbox       Outbox
+	handler      Handler
+	logger       mlogger.Logger
+}
+
+func New(ctx context.Context, transport reliable.Transport, admin reliable.Admin, outbox Outbox, handler Handler, logger mlogger.Logger, config Config) (*Bus, error) {
+	if err := config.Validate(); err != nil {
+		return nil, err
+	}
+	settings := reliable.DurableSettings{Enabled: true, Stream: config.Stream, Provisioning: config.Provisioning}
+	consumer := reliable.DurableConsumerSettings{Durable: "email", Subject: subject, AckWaitSeconds: 60, MaxDeliver: -1, DeliverPolicy: reliable.DurableDeliverAll}
+	if err := admin.EnsureConsumerResources(ctx, settings, consumer); err != nil {
+		return nil, merrors.OpaqueWrap(merrors.ErrServiceUnavailable, err, "configure notification messaging")
+	}
+	subscription, err := transport.OpenConsumer(ctx, settings, consumer)
+	if err != nil {
+		return nil, merrors.OpaqueWrap(merrors.ErrServiceUnavailable, err, "subscribe notification worker")
+	}
+	return &Bus{transport, subscription, outbox, handler, mlogger.Named(logger, "notifications", "bus")}, nil
+}
+func (b *Bus) Close() error { return b.subscription.Close() }
+func (b *Bus) PublishDue(ctx context.Context) error {
+	if err := b.outbox.Recover(ctx, time.Now().UTC()); err != nil {
+		return err
+	}
+	jobs, err := b.outbox.Due(ctx, time.Now().UTC())
+	if err != nil {
+		return err
+	}
+	for _, job := range jobs {
+		err = b.transport.Publish(ctx, reliable.Record{Subject: subject, Payload: []byte(job.ID.Hex()), MessageID: job.ID.Hex() + "-" + strconv.FormatUint(uint64(job.Attempts), 10)})
+		if err != nil {
+			return merrors.OpaqueWrap(merrors.ErrServiceUnavailable, err, "publish notification job")
+		}
+	}
+	return nil
+}
+func (b *Bus) RunPublisher(ctx context.Context) {
+	for ctx.Err() == nil {
+		op, cancel := context.WithTimeout(ctx, 10*time.Second)
+		err := b.PublishDue(op)
+		cancel()
+		if err != nil && ctx.Err() == nil {
+			b.logger.Warn("Notification outbox publication failed")
+		}
+		select {
+		case <-ctx.Done():
+			return
+		case <-time.After(5 * time.Second):
+		}
+	}
+}
+func (b *Bus) RunWorker(ctx context.Context) {
+	for ctx.Err() == nil {
+		deliveries, err := b.subscription.Fetch(ctx, 1, time.Second)
+		if err != nil {
+			if ctx.Err() == nil {
+				b.logger.Warn("Notification job fetch failed")
+			}
+			select {
+			case <-ctx.Done():
+				return
+			case <-time.After(time.Second):
+			}
+			continue
+		}
+		for _, delivery := range deliveries {
+			payload := delivery.Record().Payload
+			if len(payload) == 24 {
+				if _, err = b.handler.Dispatch(ctx, string(payload)); err != nil {
+					b.logger.Warn("Notification job processing failed")
+					continue
+				}
+			} else {
+				b.logger.Warn("Malformed notification job discarded")
+			}
+			ackCtx, cancel := context.WithTimeout(context.WithoutCancel(ctx), 5*time.Second)
+			err = delivery.Ack(ackCtx)
+			cancel()
+			if err != nil {
+				b.logger.Warn("Notification acknowledgement failed")
+			}
+		}
+	}
+}

backend/notifications/bus/dispatch_test.go

@@ -0,0 +1,55 @@
+package bus
+
+import (
+	"context"
+	"testing"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/notifications/model"
+	"git.sendico.io/tech/sxchnge/shared/database/record"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	"git.sendico.io/tech/sxchnge/shared/messaging/reliable"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+type outbox struct{ jobs []model.Notification }
+
+func (o *outbox) Due(context.Context, time.Time) ([]model.Notification, error) { return o.jobs, nil }
+func (o *outbox) Recover(context.Context, time.Time) error                     { return nil }
+
+type publisher struct {
+	reliable.Transport
+	fail    bool
+	records []reliable.Record
+}
+
+func (p *publisher) Publish(_ context.Context, r reliable.Record) error {
+	if p.fail {
+		return merrors.ServiceUnavailable("offline")
+	}
+	p.records = append(p.records, r)
+	return nil
+}
+func TestOutboxSurvivesPublishFailure(t *testing.T) {
+	id := bson.NewObjectID()
+	out := &outbox{jobs: []model.Notification{{Base: storable.Base{ID: id}, Email: model.Email{Address: "private@example.com", Text: "private"}}}}
+	transport := &publisher{fail: true}
+	b := &Bus{outbox: out, transport: transport}
+	if err := b.PublishDue(context.Background()); err == nil {
+		t.Fatal("publication failure hidden")
+	}
+	transport.fail = false
+	if err := b.PublishDue(context.Background()); err != nil {
+		t.Fatal(err)
+	}
+	if len(transport.records) != 1 || string(transport.records[0].Payload) != id.Hex() || transport.records[0].MessageID != id.Hex()+"-0" {
+		t.Fatal(transport.records)
+	}
+	out.jobs[0].Attempts = 1
+	if err := b.PublishDue(context.Background()); err != nil {
+		t.Fatal(err)
+	}
+	if transport.records[1].MessageID == transport.records[0].MessageID {
+		t.Fatal("retry shares transport deduplication identity")
+	}
+}

backend/notifications/config.example.yml

@@ -0,0 +1,30 @@
+listen: "127.0.0.1:8083"
+database:
+  driver: mongodb
+  settings:
+    uri_env: SXCHNGE_MONGO_URI
+    database: sxchnge_notifications
+messaging:
+  driver: NATS
+  settings:
+    url_env: SXCHNGE_NATS_URL
+    broker_name: sxchnge-notifications
+    max_reconnects: -1
+    reconnect_wait: 2
+templates: "templates.example.json"
+email:
+  driver: resend # sendgrid or resend
+  settings:
+    api_key_env: "RESEND_API_KEY" # SENDGRID_API_KEY when driver is sendgrid
+    sender_address: "notifications@example.com"
+    sender_name: "SXCHNGE"
+
+# Use replicas: 3 and environment: production for a three-node NATS cluster.
+# mode: ops validates resources without modifying them; app provisions them.
+queue:
+  stream:
+    replicas: 1
+    max_age_hours: 48
+  provisioning:
+    mode: app
+    environment: non-production

backend/notifications/email/driver.go

@@ -0,0 +1,79 @@
+package email
+
+import (
+	"context"
+	"net/http"
+	"net/mail"
+	"os"
+	"strings"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/notifications/model"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	sharedmodel "git.sendico.io/tech/sxchnge/shared/model"
+	"github.com/go-viper/mapstructure/v2"
+)
+
+type Driver string
+
+const (
+	SendGrid Driver = "sendgrid"
+	Resend   Driver = "resend"
+)
+
+type Config = sharedmodel.DriverConfig[Driver]
+type Settings struct {
+	APIKeyEnv     string `mapstructure:"api_key_env"`
+	SenderAddress string `mapstructure:"sender_address"`
+	SenderName    string `mapstructure:"sender_name"`
+}
+
+// Outcome describes provider acceptance, never recipient delivery or reading.
+type Outcome struct {
+	State      model.State
+	Code       string
+	RetryAfter time.Duration
+}
+type Sender interface {
+	Send(context.Context, string, model.Email) Outcome
+}
+
+type client struct {
+	http     *http.Client
+	key      string
+	settings Settings
+	endpoint string
+}
+
+func New(config Config) (Sender, error) {
+	var s Settings
+	decoder, err := mapstructure.NewDecoder(&mapstructure.DecoderConfig{Result: &s, ErrorUnused: true, TagName: "mapstructure"})
+	if err != nil {
+		return nil, merrors.InternalWrap(err, "create driver settings decoder")
+	}
+	if err = decoder.Decode(config.Settings); err != nil {
+		return nil, merrors.InvalidArgument("invalid email driver settings")
+	}
+	if !ValidAddress(s.SenderAddress) || strings.ContainsAny(s.SenderName, "\r\n") {
+		return nil, merrors.InvalidArgument("invalid sender")
+	}
+	key := os.Getenv(s.APIKeyEnv)
+	if s.APIKeyEnv == "" || strings.TrimSpace(key) == "" || strings.ContainsAny(key, "\r\n") {
+		return nil, merrors.FailedPrecondition("email API key environment variable is missing")
+	}
+	c := client{http: &http.Client{Timeout: 20 * time.Second, CheckRedirect: func(*http.Request, []*http.Request) error { return http.ErrUseLastResponse }}, key: key, settings: s}
+	switch config.Driver {
+	case SendGrid:
+		c.endpoint = "https://api.sendgrid.com/v3/mail/send"
+		return &sendgrid{c}, nil
+	case Resend:
+		c.endpoint = "https://api.resend.com/emails"
+		return &resend{c}, nil
+	default:
+		return nil, merrors.InvalidArgument("unsupported email driver")
+	}
+}
+func ValidAddress(s string) bool {
+	a, err := mail.ParseAddress(s)
+	return err == nil && a.Address == s && !strings.ContainsAny(s, "\r\n") && len(s) <= 254
+}

backend/notifications/email/driver_test.go

@@ -0,0 +1,105 @@
+package email
+
+import (
+	"context"
+	"encoding/json"
+	"net/http"
+	"net/http/httptest"
+	"strings"
+	"testing"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/notifications/model"
+)
+
+func TestDriversRenderWirePayload(t *testing.T) {
+	for _, driver := range []Driver{SendGrid, Resend} {
+		t.Run(string(driver), func(t *testing.T) {
+			server := httptest.NewServer(http.HandlerFunc(func(w http.ResponseWriter, r *http.Request) {
+				if r.Header.Get("Authorization") != "Bearer test-secret" {
+					t.Error("missing authorization")
+				}
+				var body map[string]any
+				if err := json.NewDecoder(r.Body).Decode(&body); err != nil {
+					t.Error(err)
+				}
+				if body["subject"] != "Completed" {
+					t.Errorf("subject: %v", body)
+				}
+				if driver == SendGrid {
+					if body["template_id"] != nil {
+						t.Error("provider-managed templates must not be used")
+					}
+					p := body["personalizations"].([]any)[0].(map[string]any)
+					if p["to"].([]any)[0].(map[string]any)["email"] != "user@example.com" {
+						t.Error("wrong recipient")
+					}
+					content := body["content"].([]any)
+					if len(content) != 2 || content[1].(map[string]any)["value"] != "<p>A &amp; B</p>" {
+						t.Error("wrong body")
+					}
+				} else {
+					if r.Header.Get("Idempotency-Key") != "delivery-id" {
+						t.Error("missing idempotency key")
+					}
+					if body["html"] != "<p>A &amp; B</p>" || body["text"] != "A & B" {
+						t.Error("wrong body")
+					}
+				}
+				w.WriteHeader(http.StatusAccepted)
+			}))
+			defer server.Close()
+			c := client{http: server.Client(), key: "test-secret", endpoint: server.URL, settings: Settings{SenderAddress: "sender@example.com", SenderName: "SXCHNGE"}}
+			var sender Sender = &sendgrid{c}
+			if driver == Resend {
+				sender = &resend{c}
+			}
+			outcome := sender.Send(context.Background(), "delivery-id", model.Email{Address: "user@example.com", Subject: "Completed", HTML: "<p>A &amp; B</p>", Text: "A & B"})
+			if outcome.State != model.Accepted {
+				t.Fatal(outcome)
+			}
+		})
+	}
+}
+func TestProviderFailures(t *testing.T) {
+	for _, tc := range []struct {
+		code  int
+		state model.State
+	}{{429, model.RetryWait}, {400, model.Failed}, {401, model.Failed}, {403, model.Failed}, {500, model.Unknown}, {408, model.Unknown}, {302, model.Failed}} {
+		t.Run(http.StatusText(tc.code), func(t *testing.T) {
+			server := httptest.NewServer(http.HandlerFunc(func(w http.ResponseWriter, r *http.Request) {
+				w.Header().Set("Retry-After", "120")
+				w.WriteHeader(tc.code)
+				_, _ = w.Write([]byte("secret provider response"))
+			}))
+			defer server.Close()
+			c := client{http: server.Client(), endpoint: server.URL}
+			out := c.post(context.Background(), "", struct{}{})
+			if out.State != tc.state || strings.Contains(out.Code, "secret") {
+				t.Fatal(out)
+			}
+			if tc.code == 429 && out.RetryAfter != 2*time.Minute {
+				t.Fatal(out)
+			}
+		})
+	}
+	ctx, cancel := context.WithCancel(context.Background())
+	cancel()
+	c := client{http: http.DefaultClient, endpoint: "http://127.0.0.1:1"}
+	if out := c.post(ctx, "", struct{}{}); out.State != model.Unknown {
+		t.Fatal(out)
+	}
+}
+func TestDriverConfig(t *testing.T) {
+	t.Setenv("EMAIL_TEST_KEY", "secret")
+	for _, driver := range []Driver{SendGrid, Resend} {
+		if _, err := New(Config{Driver: driver, Settings: map[string]any{"api_key_env": "EMAIL_TEST_KEY", "sender_address": "sender@example.com"}}); err != nil {
+			t.Fatal(err)
+		}
+	}
+	for _, settings := range []map[string]any{{"api_key_env": "MISSING_KEY", "sender_address": "sender@example.com"}, {"api_key_env": "EMAIL_TEST_KEY", "sender_address": "bad"}, {"api_key_env": "EMAIL_TEST_KEY", "sender_address": "sender@example.com", "typo": true}} {
+		if _, err := New(Config{Driver: Resend, Settings: settings}); err == nil {
+			t.Fatal("accepted invalid driver config")
+		}
+	}
+}

backend/notifications/email/http.go

@@ -0,0 +1,54 @@
+package email
+
+import (
+	"bytes"
+	"context"
+	"encoding/json"
+	"io"
+	"net/http"
+	"strconv"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/notifications/model"
+)
+
+func (c *client) post(ctx context.Context, key string, payload any) Outcome {
+	body, err := json.Marshal(payload)
+	if err != nil {
+		return Outcome{State: model.Failed, Code: "invalid_payload"}
+	}
+	req, err := http.NewRequestWithContext(ctx, http.MethodPost, c.endpoint, bytes.NewReader(body))
+	if err != nil {
+		return Outcome{State: model.Failed, Code: "invalid_provider_config"}
+	}
+	req.Header.Set("Authorization", "Bearer "+c.key)
+	req.Header.Set("Content-Type", "application/json")
+	if key != "" {
+		req.Header.Set("Idempotency-Key", key)
+	}
+	resp, err := c.http.Do(req)
+	if err != nil {
+		return Outcome{State: model.Unknown, Code: "provider_outcome_unknown"}
+	}
+	defer resp.Body.Close()
+	// Discard a bounded response without logging provider-controlled content.
+	_, _ = io.Copy(io.Discard, io.LimitReader(resp.Body, 64<<10))
+	switch {
+	case resp.StatusCode >= 200 && resp.StatusCode < 300:
+		return Outcome{State: model.Accepted}
+	case resp.StatusCode == 429:
+		delay := time.Minute
+		if n, e := strconv.Atoi(resp.Header.Get("Retry-After")); e == nil && n > 0 && n <= 86400 {
+			delay = time.Duration(n) * time.Second
+		} else if date, e := http.ParseTime(resp.Header.Get("Retry-After")); e == nil && time.Until(date) > 0 {
+			delay = time.Until(date)
+		}
+		return Outcome{State: model.RetryWait, Code: "provider_rate_limited", RetryAfter: delay}
+	case resp.StatusCode >= 500 || resp.StatusCode == 408:
+		return Outcome{State: model.Unknown, Code: "provider_outcome_unknown"}
+	case resp.StatusCode == 401 || resp.StatusCode == 403:
+		return Outcome{State: model.Failed, Code: "provider_authentication_failed"}
+	default:
+		return Outcome{State: model.Failed, Code: "provider_rejected"}
+	}
+}

backend/notifications/email/resend.go

@@ -0,0 +1,22 @@
+package email
+
+import (
+	"context"
+	"net/mail"
+
+	"git.sendico.io/tech/sxchnge/notifications/model"
+)
+
+type resend struct{ client }
+type resendRequest struct {
+	From    string   `json:"from"`
+	To      []string `json:"to"`
+	Subject string   `json:"subject"`
+	HTML    string   `json:"html,omitempty"`
+	Text    string   `json:"text,omitempty"`
+}
+
+func (s *resend) Send(ctx context.Context, key string, email model.Email) Outcome {
+	from := (&mail.Address{Name: s.settings.SenderName, Address: s.settings.SenderAddress}).String()
+	return s.post(ctx, key, resendRequest{From: from, To: []string{email.Address}, Subject: email.Subject, HTML: email.HTML, Text: email.Text})
+}

backend/notifications/email/sendgrid.go

@@ -0,0 +1,28 @@
+package email
+
+// Adapted from Sendico's SendGrid notifier (see PROVENANCE.md). The SDK mail
+// construction is retained; templates, retries and logging belong to our service.
+import (
+	"context"
+
+	"git.sendico.io/tech/sxchnge/notifications/model"
+	"github.com/sendgrid/sendgrid-go/helpers/mail"
+)
+
+type sendgrid struct{ client }
+
+func (s *sendgrid) Send(ctx context.Context, _ string, email model.Email) Outcome {
+	m := mail.NewV3Mail()
+	m.SetFrom(mail.NewEmail(s.settings.SenderName, s.settings.SenderAddress))
+	m.Subject = email.Subject
+	p := mail.NewPersonalization()
+	p.AddTos(mail.NewEmail("", email.Address))
+	m.AddPersonalizations(p)
+	if email.Text != "" {
+		m.AddContent(mail.NewContent("text/plain", email.Text))
+	}
+	if email.HTML != "" {
+		m.AddContent(mail.NewContent("text/html", email.HTML))
+	}
+	return s.post(ctx, "", m)
+}

backend/notifications/go.mod

@@ -0,0 +1,84 @@
+module git.sendico.io/tech/sxchnge/notifications
+
+go 1.27.0
+
+require (
+	dario.cat/mergo v1.0.2 // indirect
+	github.com/Azure/go-ansiterm v0.0.0-20250102033503-faa5f7b0171c // indirect
+	github.com/Microsoft/go-winio v0.6.2 // indirect
+	github.com/cenkalti/backoff/v4 v4.3.0 // indirect
+	github.com/cespare/xxhash/v2 v2.3.0 // indirect
+	github.com/containerd/errdefs v1.0.0 // indirect
+	github.com/containerd/errdefs/pkg v0.3.0 // indirect
+	github.com/containerd/log v0.1.0 // indirect
+	github.com/containerd/platforms v0.2.1 // indirect
+	github.com/cpuguy83/dockercfg v0.3.2 // indirect
+	github.com/distribution/reference v0.6.0 // indirect
+	github.com/docker/go-connections v0.7.0 // indirect
+	github.com/docker/go-units v0.5.0 // indirect
+	github.com/ebitengine/purego v0.10.1 // indirect
+	github.com/felixge/httpsnoop v1.1.0 // indirect
+	github.com/go-logr/logr v1.4.3 // indirect
+	github.com/go-logr/stdr v1.2.2 // indirect
+	github.com/go-ole/go-ole v1.3.0 // indirect
+	github.com/google/uuid v1.6.0 // indirect
+	github.com/klauspost/compress v1.19.2 // indirect
+	github.com/lufia/plan9stats v0.0.0-20260330125221-c963978e514e // indirect
+	github.com/magiconair/properties v1.8.10 // indirect
+	github.com/moby/docker-image-spec v1.3.1 // indirect
+	github.com/moby/go-archive v0.2.0 // indirect
+	github.com/moby/moby/api v1.55.0 // indirect
+	github.com/moby/moby/client v0.5.0 // indirect
+	github.com/moby/patternmatcher v0.6.1 // indirect
+	github.com/moby/sys/sequential v0.7.0 // indirect
+	github.com/moby/sys/user v0.4.0 // indirect
+	github.com/moby/sys/userns v0.1.0 // indirect
+	github.com/moby/term v0.5.2 // indirect
+	github.com/nats-io/nats.go v1.53.1 // indirect
+	github.com/nats-io/nkeys v0.4.15 // indirect
+	github.com/nats-io/nuid v1.0.1 // indirect
+	github.com/opencontainers/go-digest v1.0.0 // indirect
+	github.com/opencontainers/image-spec v1.1.1 // indirect
+	github.com/power-devops/perfstat v0.0.0-20240221224432-82ca36839d55 // indirect
+	github.com/shirou/gopsutil/v4 v4.26.6 // indirect
+	github.com/sirupsen/logrus v1.9.4 // indirect
+	github.com/stretchr/testify v1.12.1 // indirect
+	github.com/tklauser/go-sysconf v0.4.0 // indirect
+	github.com/tklauser/numcpus v0.12.0 // indirect
+	github.com/xdg-go/pbkdf2 v1.0.0 // indirect
+	github.com/xdg-go/scram v1.2.0 // indirect
+	github.com/xdg-go/stringprep v1.0.4 // indirect
+	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
+	github.com/yusufpapurcu/wmi v1.2.4 // indirect
+	go.opentelemetry.io/auto/sdk v1.2.1 // indirect
+	go.opentelemetry.io/contrib/instrumentation/net/http/otelhttp v0.69.0 // indirect
+	go.opentelemetry.io/otel v1.44.0 // indirect
+	go.opentelemetry.io/otel/metric v1.44.0 // indirect
+	go.opentelemetry.io/otel/trace v1.44.0 // indirect
+	go.uber.org/multierr v1.10.0 // indirect
+	go.yaml.in/yaml/v3 v3.0.5 // indirect
+	golang.org/x/crypto v0.56.0 // indirect
+	golang.org/x/net v0.58.0 // indirect
+	golang.org/x/sync v0.22.0 // indirect
+	golang.org/x/sys v0.47.0 // indirect
+	golang.org/x/text v0.41.0 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20260526163538-3dc84a4a5aaa // indirect
+)
+
+replace git.sendico.io/tech/sxchnge/shared => ../shared
+
+require (
+	git.sendico.io/tech/sxchnge/notifications/interface v0.0.0
+	git.sendico.io/tech/sxchnge/shared v0.0.0
+	github.com/go-viper/mapstructure/v2 v2.5.0
+	github.com/sendgrid/sendgrid-go v3.16.1+incompatible
+	github.com/testcontainers/testcontainers-go v0.44.0
+	github.com/testcontainers/testcontainers-go/modules/mongodb v0.44.0
+	go.mongodb.org/mongo-driver/v2 v2.9.0
+	go.uber.org/zap v1.28.0
+	google.golang.org/grpc v1.83.2
+	google.golang.org/protobuf v1.36.12
+	gopkg.in/yaml.v3 v3.0.1
+)
+
+replace git.sendico.io/tech/sxchnge/notifications/interface => ./interface

backend/notifications/go.sum

@@ -0,0 +1,203 @@
+dario.cat/mergo v1.0.2 h1:85+piFYR1tMbRrLcDwR18y4UKJ3aH1Tbzi24VRW1TK8=
+dario.cat/mergo v1.0.2/go.mod h1:E/hbnu0NxMFBjpMIE34DRGLWqDy0g5FuKDhCb31ngxA=
+github.com/AdaLogics/go-fuzz-headers v0.0.0-20240806141605-e8a1dd7889d6 h1:He8afgbRMd7mFxO99hRNu+6tazq8nFF9lIwo9JFroBk=
+github.com/AdaLogics/go-fuzz-headers v0.0.0-20240806141605-e8a1dd7889d6/go.mod h1:8o94RPi1/7XTJvwPpRSzSUedZrtlirdB3r9Z20bi2f8=
+github.com/Azure/go-ansiterm v0.0.0-20250102033503-faa5f7b0171c h1:udKWzYgxTojEKWjV8V+WSxDXJ4NFATAsZjh8iIbsQIg=
+github.com/Azure/go-ansiterm v0.0.0-20250102033503-faa5f7b0171c/go.mod h1:xomTg63KZ2rFqZQzSB4Vz2SUXa1BpHTVz9L5PTmPC4E=
+github.com/Microsoft/go-winio v0.6.2 h1:F2VQgta7ecxGYO8k3ZZz3RS8fVIXVxONVUPlNERoyfY=
+github.com/Microsoft/go-winio v0.6.2/go.mod h1:yd8OoFMLzJbo9gZq8j5qaps8bJ9aShtEA8Ipt1oGCvU=
+github.com/cenkalti/backoff/v4 v4.3.0 h1:MyRJ/UdXutAwSAT+s3wNd7MfTIcy71VQueUuFK343L8=
+github.com/cenkalti/backoff/v4 v4.3.0/go.mod h1:Y3VNntkOUPxTVeUxJ/G5vcM//AlwfmyYozVcomhLiZE=
+github.com/cespare/xxhash/v2 v2.3.0 h1:UL815xU9SqsFlibzuggzjXhog7bL6oX9BbNZnL2UFvs=
+github.com/cespare/xxhash/v2 v2.3.0/go.mod h1:VGX0DQ3Q6kWi7AoAeZDth3/j3BFtOZR5XLFGgcrjCOs=
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backend/notifications/interface/README.md

@@ -0,0 +1,41 @@
+# Notifications service contract
+
+This independent module owns the public internal-service contract. The canonical
+source is `proto/v1/interface.proto`; it defines `Send`, `Get`, requests, statuses
+and email/SMS/push/Telegram targets. The executable currently implements email.
+
+From the repository root, `make generate-notifications` produces Go/gRPC client
+bindings in `notifications/v1`. Generated `.pb.go` files are ignored and must not
+be committed. Both backend validation targets generate bindings before compiling.
+The generators are pinned in the Makefile; install `protoc` separately.
+
+`make package-notifications-interface` creates a distributable source archive and
+a standalone Go client-module archive under `dist/`. Client consumers can generate
+bindings for their own language from the source archive. The Go archive contains
+the generated bindings and its own go.mod/go.sum, with no executable or shared
+infrastructure dependency. Archive generation does not upload to a registry.
+
+Internal Go consumers use the module
+`git.sendico.io/tech/sxchnge/notifications/interface` and import
+`git.sendico.io/tech/sxchnge/notifications/interface/notifications/v1`. Within this
+checkout, use a local replace to this directory and generate before building.
+
+Calls use the trusted private network without caller authentication. The service
+uses the existing product storage namespace. Callers authorize user/destination
+ownership and preferences before sending; this contract is not a public user API.
+
+Parameters are string values keyed by template parameter name. The entire request
+is validated before persistence. An identical idempotency key/request returns the
+original resource, even after completion or expiry. A changed request conflicts.
+Keys are scoped to the product namespace and retained at least seven days;
+Mongo TTL deletion is asynchronous. Expiry defaults to 24 hours and cannot exceed
+24 hours. One email target is accepted; other declared channels return UNIMPLEMENTED.
+
+ACCEPTED means provider acceptance, not delivery or reading. UNKNOWN means the
+provider may have sent the message and automatic replay is unsafe. DELIVERED is
+reserved for a future receipt implementation. Get never exposes recipient addresses,
+rendered content, parameters, provider credentials or raw provider responses.
+
+Keep published template revisions and field numbers stable. Reserve removed
+protobuf field/enum names and numbers. Compatible additions belong in v1;
+incompatible changes require a new version.

backend/notifications/interface/go.mod

@@ -0,0 +1,15 @@
+module git.sendico.io/tech/sxchnge/notifications/interface
+
+go 1.27.0
+
+require (
+	google.golang.org/grpc v1.83.2
+	google.golang.org/protobuf v1.36.12
+)
+
+require (
+	golang.org/x/net v0.58.0 // indirect
+	golang.org/x/sys v0.47.0 // indirect
+	golang.org/x/text v0.41.0 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20260526163538-3dc84a4a5aaa // indirect
+)

backend/notifications/interface/go.sum

@@ -0,0 +1,38 @@
+github.com/cespare/xxhash/v2 v2.3.0 h1:UL815xU9SqsFlibzuggzjXhog7bL6oX9BbNZnL2UFvs=
+github.com/cespare/xxhash/v2 v2.3.0/go.mod h1:VGX0DQ3Q6kWi7AoAeZDth3/j3BFtOZR5XLFGgcrjCOs=
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+github.com/golang/protobuf v1.5.4/go.mod h1:lnTiLA8Wa4RWRcIUkrtSVa5nRhsEGBg48fD6rSs7xps=
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+go.opentelemetry.io/auto/sdk v1.2.1/go.mod h1:KRTj+aOaElaLi+wW1kO/DZRXwkF4C5xPbEe3ZiIhN7Y=
+go.opentelemetry.io/otel v1.44.0 h1:JjwHmHpA4iZ3wBxluu2fbbE7j4kqlE8jXyAyPXH7HqU=
+go.opentelemetry.io/otel v1.44.0/go.mod h1:BMgjTHL9WPRlRjL2oZCBTL4whCGtXch2H4BhOPIAyYc=
+go.opentelemetry.io/otel/metric v1.44.0 h1:1w0gILTcHdr3YI+ixLyjemwrVnsMURbTZFrSYCdDdmc=
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+go.opentelemetry.io/otel/sdk v1.44.0/go.mod h1:Osuydd3Se74nqjAKxid74N5eC+jfEqfTegHRnq58oK0=
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backend/notifications/interface/proto/v1/interface.proto

@@ -0,0 +1,73 @@
+syntax = "proto3";
+package sxchnge.notifications.v1;
+option go_package = "git.sendico.io/tech/sxchnge/notifications/interface/notifications/v1;notificationsv1";
+import "google/protobuf/timestamp.proto";
+
+// Internal service on the trusted private network; no caller authentication. Send durably queues work.
+service NotificationsService {
+  rpc Send(SendRequest) returns (SendResponse);
+  rpc Get(GetRequest) returns (GetResponse);
+}
+message SendRequest {
+  string idempotency_key = 1; // Required; scoped to the product namespace, retained seven days.
+  string user_id = 2; // Caller resolves and authorizes recipient ownership.
+  string template_id = 3;
+  string template_version = 4;
+  map<string, string> parameters = 5;
+  string locale = 6;
+  repeated Target targets = 7; // V1 accepts exactly one email target.
+  google.protobuf.Timestamp expires_at = 8; // Default/max 24h from acceptance.
+}
+message Target {
+  oneof destination {
+    EmailTarget email = 1;
+    SmsTarget sms = 2;
+    PushTarget push = 3;
+    TelegramTarget telegram = 4;
+  }
+}
+message EmailTarget { string address = 1; }
+message SmsTarget { string phone_number = 1; }
+message PushTarget { string endpoint_id = 1; }
+message TelegramTarget { string chat_id = 1; }
+message SendResponse { Notification notification = 1; }
+message GetRequest { string id = 1; }
+message GetResponse { Notification notification = 1; }
+message Notification {
+  string id = 1;
+  string user_id = 2;
+  string template_id = 3;
+  string template_version = 4;
+  repeated Delivery deliveries = 5;
+  google.protobuf.Timestamp created_at = 6;
+  google.protobuf.Timestamp updated_at = 7;
+  google.protobuf.Timestamp expires_at = 8;
+}
+message Delivery {
+  string id = 1;
+  Channel channel = 2;
+  DeliveryState state = 3;
+  uint32 attempt_count = 4;
+  Failure failure = 5;
+  google.protobuf.Timestamp next_attempt_at = 6;
+  google.protobuf.Timestamp updated_at = 7;
+}
+message Failure { string code = 1; string message = 2; }
+enum Channel {
+  CHANNEL_UNSPECIFIED = 0;
+  CHANNEL_EMAIL = 1;
+  CHANNEL_SMS = 2;
+  CHANNEL_PUSH = 3;
+  CHANNEL_TELEGRAM = 4;
+}
+enum DeliveryState {
+  DELIVERY_STATE_UNSPECIFIED = 0;
+  DELIVERY_STATE_QUEUED = 1;
+  DELIVERY_STATE_SENDING = 2;
+  DELIVERY_STATE_RETRY_WAIT = 3;
+  DELIVERY_STATE_ACCEPTED = 4;
+  DELIVERY_STATE_DELIVERED = 5; // Reserved for future verified receipts.
+  DELIVERY_STATE_FAILED = 6;
+  DELIVERY_STATE_EXPIRED = 7;
+  DELIVERY_STATE_UNKNOWN = 8; // May have sent; no automatic replay.
+}

backend/notifications/main.go

@@ -0,0 +1,33 @@
+package main
+
+import (
+	"context"
+	"flag"
+	"os"
+	"os/signal"
+	"syscall"
+
+	"git.sendico.io/tech/sxchnge/notifications/app"
+	"go.uber.org/zap"
+)
+
+func main() {
+	path := flag.String("config.file", "config.yml", "notification configuration")
+	flag.Parse()
+	logger, err := zap.NewProduction()
+	if err != nil {
+		os.Exit(1)
+	}
+	ctx, cancel := signal.NotifyContext(context.Background(), os.Interrupt, syscall.SIGTERM)
+	defer cancel()
+	config, err := app.Load(*path)
+	if err == nil {
+		err = app.Run(ctx, config, logger)
+	}
+	if err != nil {
+		logger.Error("Notifications service terminated", zap.Error(err))
+		_ = logger.Sync()
+		os.Exit(1)
+	}
+	_ = logger.Sync()
+}

backend/notifications/model/model.go

@@ -0,0 +1,58 @@
+package model
+
+import (
+	"git.sendico.io/tech/sxchnge/shared/database/record"
+	"time"
+)
+
+type State string
+
+const (
+	Queued    State = "queued"
+	Sending   State = "sending"
+	RetryWait State = "retry_wait"
+	Accepted  State = "accepted"
+	Failed    State = "failed"
+	Expired   State = "expired"
+	Unknown   State = "unknown"
+)
+
+type Request struct {
+	Key             string
+	UserID          string
+	TemplateID      string
+	TemplateVersion string
+	Parameters      map[string]string
+	Locale          string
+	Address         string
+	ExpiresAt       time.Time
+}
+
+// Email is a rendered immutable snapshot, independent of provider wire formats.
+type Email struct {
+	Address string
+	Subject string
+	HTML    string
+	Text    string
+}
+
+type Notification struct {
+	storable.Base   `bson:",inline"`
+	Caller          string    `bson:"caller"`
+	Key             string    `bson:"key"`
+	Fingerprint     string    `bson:"fingerprint"`
+	UserID          string    `bson:"user_id"`
+	TemplateID      string    `bson:"template_id"`
+	TemplateVersion string    `bson:"template_version"`
+	Email           Email     `bson:"email"`
+	Driver          string    `bson:"driver"`
+	State           State     `bson:"state"`
+	Attempts        uint32    `bson:"attempts"`
+	FailureCode     string    `bson:"failure_code"`
+	ExpiresAt       time.Time `bson:"expires_at"`
+	NextAttemptAt   time.Time `bson:"next_attempt_at"`
+	LeaseUntil      time.Time `bson:"lease_until"`
+	PurgeAt         time.Time `bson:"purge_at"`
+}
+
+func (*Notification) Collection() string { return "notifications" }

backend/notifications/service/grpc_test.go

@@ -0,0 +1,53 @@
+package service_test
+
+import (
+	"crypto/ecdsa"
+	"crypto/elliptic"
+	"crypto/rand"
+	"crypto/tls"
+	"crypto/x509"
+	"math/big"
+	"net"
+	"testing"
+	"time"
+
+	pb "git.sendico.io/tech/sxchnge/notifications/interface/notifications/v1"
+	"git.sendico.io/tech/sxchnge/notifications/service"
+	"git.sendico.io/tech/sxchnge/notifications/transport"
+	"google.golang.org/grpc"
+	"google.golang.org/grpc/credentials"
+)
+
+// Exercise optional TLS transport against the real service and storage.
+func grpcClient(t *testing.T, svc *service.Service) pb.NotificationsServiceClient {
+	t.Helper()
+	key, err := ecdsa.GenerateKey(elliptic.P256(), rand.Reader)
+	if err != nil {
+		t.Fatal(err)
+	}
+	template := &x509.Certificate{SerialNumber: big.NewInt(1), NotBefore: time.Now().Add(-time.Minute), NotAfter: time.Now().Add(time.Hour), DNSNames: []string{"localhost"}, KeyUsage: x509.KeyUsageDigitalSignature, ExtKeyUsage: []x509.ExtKeyUsage{x509.ExtKeyUsageServerAuth}}
+	der, err := x509.CreateCertificate(rand.Reader, template, template, &key.PublicKey, key)
+	if err != nil {
+		t.Fatal(err)
+	}
+	certificate, err := x509.ParseCertificate(der)
+	if err != nil {
+		t.Fatal(err)
+	}
+	roots := x509.NewCertPool()
+	roots.AddCert(certificate)
+	listener, err := net.Listen("tcp", "127.0.0.1:0")
+	if err != nil {
+		t.Fatal(err)
+	}
+	server := grpc.NewServer(grpc.Creds(credentials.NewTLS(&tls.Config{MinVersion: tls.VersionTLS12, Certificates: []tls.Certificate{{Certificate: [][]byte{der}, PrivateKey: key}}})))
+	pb.RegisterNotificationsServiceServer(server, transport.New(svc))
+	go func() { _ = server.Serve(listener) }()
+	t.Cleanup(server.Stop)
+	conn, err := grpc.NewClient(listener.Addr().String(), grpc.WithTransportCredentials(credentials.NewTLS(&tls.Config{MinVersion: tls.VersionTLS12, RootCAs: roots, ServerName: "localhost"})))
+	if err != nil {
+		t.Fatal(err)
+	}
+	t.Cleanup(func() { _ = conn.Close() })
+	return pb.NewNotificationsServiceClient(conn)
+}

backend/notifications/service/integration_test.go

@@ -0,0 +1,277 @@
+package service_test
+
+import (
+	"context"
+	"errors"
+	"strings"
+	"sync"
+	"sync/atomic"
+	"testing"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/notifications/bus"
+	"git.sendico.io/tech/sxchnge/notifications/email"
+	pb "git.sendico.io/tech/sxchnge/notifications/interface/notifications/v1"
+	"git.sendico.io/tech/sxchnge/notifications/model"
+	"git.sendico.io/tech/sxchnge/notifications/service"
+	"git.sendico.io/tech/sxchnge/notifications/store"
+	"git.sendico.io/tech/sxchnge/notifications/templates"
+	db "git.sendico.io/tech/sxchnge/shared/database"
+	"git.sendico.io/tech/sxchnge/shared/database/repository"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	"git.sendico.io/tech/sxchnge/shared/messaging"
+	"git.sendico.io/tech/sxchnge/shared/messaging/reliable"
+	msgruntime "git.sendico.io/tech/sxchnge/shared/messaging/runtime"
+	"github.com/testcontainers/testcontainers-go"
+	"github.com/testcontainers/testcontainers-go/modules/mongodb"
+	"github.com/testcontainers/testcontainers-go/wait"
+	"go.uber.org/zap"
+)
+
+type sender struct {
+	calls    atomic.Int32
+	mu       sync.Mutex
+	messages map[string]model.Email
+	state    model.State
+}
+
+func (s *sender) Send(_ context.Context, id string, message model.Email) email.Outcome {
+	s.mu.Lock()
+	if s.messages == nil {
+		s.messages = map[string]model.Email{}
+	}
+	s.messages[id] = message
+	s.mu.Unlock()
+	s.calls.Add(1)
+	return email.Outcome{State: s.state, Code: "test", RetryAfter: time.Millisecond}
+}
+func TestDurableDelivery(t *testing.T) {
+	ctx, cancel := context.WithTimeout(context.Background(), 2*time.Minute)
+	defer cancel()
+	container, err := mongodb.Run(ctx, "mongo:latest")
+	if err != nil {
+		t.Fatal(err)
+	}
+	defer func() { _ = container.Terminate(context.Background()) }()
+	uri, err := container.ConnectionString(ctx)
+	if err != nil {
+		t.Fatal(err)
+	}
+	conn, err := db.ConnectMongo(zap.NewNop(), &db.Config{Driver: db.Mongo, Settings: map[string]any{"uri": uri, "database": "notifications_test"}})
+	if err != nil {
+		t.Fatal(err)
+	}
+	defer conn.Disconnect(context.Background())
+	repo, err := store.New(zap.NewNop(), conn.Database())
+	if err != nil {
+		t.Fatal(err)
+	}
+	catalog, err := templates.New([]templates.Definition{{ID: "test", Version: "1", DefaultLocale: "en", Parameters: []string{"name"}, Locales: map[string]templates.Content{"en": {Subject: "Hello", HTML: "<p>{{.name}}</p>"}}}})
+	if err != nil {
+		t.Fatal(err)
+	}
+	driver := &sender{state: model.Accepted}
+	svc := service.New(repo, catalog, driver, "resend", zap.NewNop())
+	request := model.Request{Key: "duplicate", UserID: "u", TemplateID: "test", TemplateVersion: "1", Parameters: map[string]string{"name": "A & B"}, Address: "user@example.com"}
+	var wg sync.WaitGroup
+	ids := make(chan string, 10)
+	for range 10 {
+		wg.Add(1)
+		go func() {
+			defer wg.Done()
+			n, e := svc.Send(ctx, "product", request)
+			if e != nil {
+				t.Error(e)
+				return
+			}
+			ids <- n.ID.Hex()
+		}()
+	}
+	wg.Wait()
+	close(ids)
+	id := ""
+	for value := range ids {
+		if id != "" && value != id {
+			t.Error("idempotency race")
+		}
+		id = value
+	}
+	if id == "" {
+		t.Fatal("no notification")
+	}
+	request.Parameters = map[string]string{"name": "Changed"}
+	if _, err = svc.Send(ctx, "product", request); !errors.Is(err, merrors.ErrDataConflict) {
+		t.Fatal("missing conflict", err)
+	}
+	if _, err = svc.Get(ctx, "other", id); !errors.Is(err, merrors.ErrNoData) {
+		t.Fatal("caller isolation failed", err)
+	}
+	stored, err := svc.Get(ctx, "product", id)
+	if err != nil || stored.Email.HTML != "<p>A &amp; B</p>" {
+		t.Fatal(stored, err)
+	}
+	for range 10 {
+		wg.Add(1)
+		go func() {
+			defer wg.Done()
+			if _, e := svc.Dispatch(ctx, id); e != nil {
+				t.Error(e)
+			}
+		}()
+	}
+	wg.Wait()
+	if driver.calls.Load() != 1 {
+		t.Fatalf("sent %d times", driver.calls.Load())
+	}
+	stored, err = svc.Get(ctx, "product", id)
+	if err != nil || stored.State != model.Accepted || stored.Email.Address != "" {
+		t.Fatal("completion/scrubbing failed", stored, err)
+	}
+	// A stale sending lease is never automatically resent.
+	request.Key = "stale"
+	stale, err := svc.Send(ctx, "product", request)
+	if err != nil {
+		t.Fatal(err)
+	}
+	old := time.Now().Add(-2 * time.Minute)
+	if err = repo.DBImp.Patch(ctx, stale.ID, repository.Patch().Set(repository.Field("next_attempt_at"), old)); err != nil {
+		t.Fatal(err)
+	}
+	claimed, err := repo.Claim(ctx, stale.ID.Hex(), old)
+	if err != nil {
+		t.Fatal(err)
+	}
+	if err = repo.Recover(ctx, time.Now()); err != nil {
+		t.Fatal(err)
+	}
+	claimed.State = model.Accepted
+	if err = repo.Finish(ctx, claimed); !errors.Is(err, merrors.ErrDataConflict) {
+		t.Fatal("stale worker overwrote recovery", err)
+	}
+	stale, err = svc.Get(ctx, "product", stale.ID.Hex())
+	if err != nil || stale.State != model.Unknown {
+		t.Fatal(stale, err)
+	}
+	// Retry state persists, and a duplicate dispatch cannot bypass the due time.
+	request.Key = "retry"
+	retry, err := svc.Send(ctx, "product", request)
+	if err != nil {
+		t.Fatal(err)
+	}
+	retryDriver := &sender{state: model.RetryWait}
+	retrySvc := service.New(repo, catalog, retryDriver, "resend", zap.NewNop())
+	if _, err = retrySvc.Dispatch(ctx, retry.ID.Hex()); err != nil {
+		t.Fatal(err)
+	}
+	if _, err = retrySvc.Dispatch(ctx, retry.ID.Hex()); err != nil {
+		t.Fatal(err)
+	}
+	retry, err = svc.Get(ctx, "product", retry.ID.Hex())
+	if err != nil || retry.State != model.RetryWait || retryDriver.calls.Load() != 1 {
+		t.Fatal(retry, err)
+	}
+	// Expire both queued and retrying notifications without a connected broker.
+	for _, state := range []model.State{model.Queued, model.RetryWait} {
+		request.Key = "offline-expiry-" + string(state)
+		expired, e := svc.Send(ctx, "product", request)
+		if e != nil {
+			t.Fatal(e)
+		}
+		patch := repository.Patch().Set(repository.Field("state"), state).Set(repository.Field("expires_at"), time.Now().Add(-time.Minute)).Set(repository.Field("next_attempt_at"), time.Now().Add(time.Hour))
+		if e = repo.DBImp.Patch(ctx, expired.ID, patch); e != nil {
+			t.Fatal(e)
+		}
+		if e = repo.Recover(ctx, time.Now()); e != nil {
+			t.Fatal(e)
+		}
+		expired, e = svc.Get(ctx, "product", expired.ID.Hex())
+		if e != nil || expired.State != model.Expired || expired.Email.Address != "" {
+			t.Fatal("offline expiry failed", expired, e)
+		}
+	}
+	// Verify the real JetStream publisher/consumer path with an isolated broker.
+	ncContainer, err := testcontainers.GenericContainer(ctx, testcontainers.GenericContainerRequest{ContainerRequest: testcontainers.ContainerRequest{Image: "nats:latest", ExposedPorts: []string{"4222/tcp"}, Cmd: []string{"-js"}, WaitingFor: wait.ForListeningPort("4222/tcp")}, Started: true})
+	if err != nil {
+		t.Fatal(err)
+	}
+	defer ncContainer.Terminate(context.Background())
+	endpoint, err := ncContainer.Endpoint(ctx, "")
+	if err != nil {
+		t.Fatal(err)
+	}
+	t.Setenv("TEST_NOTIFICATIONS_NATS", "nats://"+endpoint)
+	rt, err := msgruntime.New(zap.NewNop(), &messaging.Config{Driver: messaging.BBNats, Settings: map[string]any{"url_env": "TEST_NOTIFICATIONS_NATS", "broker_name": "test", "max_reconnects": -1, "reconnect_wait": 1}})
+	if err != nil {
+		t.Fatal(err)
+	}
+	defer rt.Close()
+	broker, err := bus.New(ctx, rt.Durable, rt.DurableAdmin, repo, svc, zap.NewNop(), bus.DefaultConfig())
+	if err != nil {
+		t.Fatal(err)
+	}
+	defer broker.Close()
+	// Production ops mode validates existing resources without silently rewriting drift.
+	queue := bus.DefaultConfig()
+	settings := reliable.DurableSettings{Stream: queue.Stream, Provisioning: reliable.DurableProvisioningSettings{Mode: reliable.DurableProvisioningOps, Environment: reliable.DurableEnvironmentProduction}}
+	if err = rt.DurableAdmin.EnsureProducerResources(ctx, settings); err != nil {
+		t.Fatal(err)
+	}
+	settings.Stream.MaxAgeHours = 72
+	if err = rt.DurableAdmin.EnsureProducerResources(ctx, settings); !errors.Is(err, merrors.ErrDataConflict) {
+		t.Fatal("retention drift accepted", err)
+	}
+	settings.Stream.MaxAgeHours = 48
+	if err = rt.DurableAdmin.EnsureProducerResources(ctx, settings); err != nil {
+		t.Fatal("ops mode mutated the stream", err)
+	}
+	canceled, stopAdmin := context.WithCancel(ctx)
+	stopAdmin()
+	if err = rt.DurableAdmin.EnsureProducerResources(canceled, settings); err == nil {
+		t.Fatal("canceled provisioning succeeded")
+	}
+
+	client := grpcClient(t, svc)
+	rpcCtx := ctx
+	input := &pb.SendRequest{IdempotencyKey: "jetstream", UserId: "u", TemplateId: "test", TemplateVersion: "1", Parameters: map[string]string{"name": "End to end & escaped"}, Targets: []*pb.Target{{Destination: &pb.Target_Email{Email: &pb.EmailTarget{Address: "user@example.com"}}}}}
+	sent, err := client.Send(rpcCtx, input)
+	if err != nil {
+		t.Fatal(err)
+	}
+	replay, err := client.Send(rpcCtx, input)
+	if err != nil || replay.Notification.Id != sent.Notification.Id {
+		t.Fatal("RPC idempotency failed", err)
+	}
+	if _, e := client.Get(ctx, &pb.GetRequest{Id: sent.Notification.Id}); e != nil {
+		t.Fatal("RPC retrieval without credentials failed", e)
+	}
+	if err = broker.PublishDue(ctx); err != nil {
+		t.Fatal(err)
+	}
+	workerCtx, stop := context.WithCancel(ctx)
+	done := make(chan struct{})
+	go func() { broker.RunWorker(workerCtx); close(done) }()
+	defer func() { stop(); <-done }()
+	deadline := time.Now().Add(10 * time.Second)
+	for {
+		result, e := client.Get(rpcCtx, &pb.GetRequest{Id: sent.Notification.Id})
+		if e != nil {
+			t.Fatal(e)
+		}
+		if strings.Contains(result.String(), "user@example.com") || strings.Contains(result.String(), "escaped") {
+			t.Fatal("response exposes email content")
+		}
+		if result.Notification.Deliveries[0].State == pb.DeliveryState_DELIVERY_STATE_ACCEPTED {
+			break
+		}
+		if time.Now().After(deadline) {
+			t.Fatal("JetStream job did not complete", result.Notification.Deliveries[0].State)
+		}
+		time.Sleep(20 * time.Millisecond)
+	}
+	driver.mu.Lock()
+	delivered := driver.messages[sent.Notification.Id]
+	driver.mu.Unlock()
+	if delivered.HTML != "<p>End to end &amp; escaped</p>" || delivered.Subject != "Hello" || delivered.Address != "user@example.com" {
+		t.Fatal("parameters did not reach driver", delivered)
+	}
+}

backend/notifications/service/service.go

@@ -0,0 +1,109 @@
+package service
+
+import (
+	"context"
+	"crypto/sha256"
+	"encoding/hex"
+	"encoding/json"
+	"errors"
+	"strings"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/notifications/email"
+	"git.sendico.io/tech/sxchnge/notifications/model"
+	"git.sendico.io/tech/sxchnge/notifications/templates"
+	"git.sendico.io/tech/sxchnge/shared/database/record"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	mlogger "git.sendico.io/tech/sxchnge/shared/logging"
+	"go.mongodb.org/mongo-driver/v2/bson"
+	"go.uber.org/zap"
+)
+
+type Repository interface {
+	Find(context.Context, string, string) (*model.Notification, error)
+	Get(context.Context, string, string) (*model.Notification, error)
+	Create(context.Context, *model.Notification) (*model.Notification, error)
+	Claim(context.Context, string, time.Time) (*model.Notification, error)
+	Finish(context.Context, *model.Notification) error
+	Recover(context.Context, time.Time) error
+}
+type Service struct {
+	repo    Repository
+	catalog *templates.Catalog
+	sender  email.Sender
+	driver  string
+	logger  mlogger.Logger
+}
+
+func New(repo Repository, catalog *templates.Catalog, sender email.Sender, driver string, logger mlogger.Logger) *Service {
+	return &Service{repo, catalog, sender, driver, mlogger.Named(logger, "notifications")}
+}
+func (s *Service) Send(ctx context.Context, caller string, r model.Request) (*model.Notification, error) {
+	if caller == "" {
+		return nil, merrors.Unauthorized("missing caller")
+	}
+	if r.Key == "" || len(r.Key) > 128 || r.UserID == "" || len(r.UserID) > 128 || !email.ValidAddress(r.Address) || len(r.TemplateID) > 128 || len(r.TemplateVersion) > 64 || len(r.Locale) > 64 || strings.ContainsRune(r.TemplateID+r.TemplateVersion, 0) {
+		return nil, merrors.InvalidArgument("invalid notification request")
+	}
+	if len(r.Parameters) > 64 {
+		return nil, merrors.InvalidArgument("too many parameters")
+	}
+	for k, v := range r.Parameters {
+		if k == "" || len(k) > 64 || len(v) > 4096 {
+			return nil, merrors.InvalidArgument("invalid template parameter")
+		}
+	}
+	payload, err := json.Marshal(r)
+	if err != nil {
+		return nil, merrors.InvalidArgument("invalid request")
+	}
+	if len(payload) > 64<<10 {
+		return nil, merrors.InvalidArgument("request too large")
+	}
+	sum := sha256.Sum256(payload)
+	fingerprint := hex.EncodeToString(sum[:])
+	existing, err := s.repo.Find(ctx, caller, r.Key)
+	if err == nil {
+		return same(existing, fingerprint)
+	}
+	if !errors.Is(err, merrors.ErrNoData) {
+		return nil, err
+	}
+	now := time.Now().UTC()
+	expiry := r.ExpiresAt
+	if expiry.IsZero() {
+		expiry = now.Add(24 * time.Hour)
+	}
+	if !expiry.After(now) || expiry.After(now.Add(24*time.Hour)) {
+		return nil, merrors.InvalidArgument("expiry must be within the next 24 hours")
+	}
+	rendered, err := s.catalog.Render(r)
+	if err != nil {
+		return nil, err
+	}
+	n := &model.Notification{Base: storable.Base{ID: bson.NewObjectID(), CreatedAt: now, UpdatedAt: now}, Caller: caller, Key: r.Key, Fingerprint: fingerprint, UserID: r.UserID, TemplateID: r.TemplateID, TemplateVersion: r.TemplateVersion, Email: rendered, Driver: s.driver, State: model.Queued, ExpiresAt: expiry, NextAttemptAt: now, PurgeAt: now.Add(7 * 24 * time.Hour)}
+	stored, err := s.repo.Create(ctx, n)
+	if err != nil {
+		return nil, err
+	}
+	result, err := same(stored, fingerprint)
+	if err == nil {
+		s.logger.Info("Notification accepted", zap.String("notification_id", stored.ID.Hex()), zap.String("caller", caller))
+	}
+	return result, err
+}
+func same(n *model.Notification, fingerprint string) (*model.Notification, error) {
+	if n.Fingerprint != fingerprint {
+		return nil, merrors.DataConflict("idempotency key already used with a different request")
+	}
+	return n, nil
+}
+func (s *Service) Get(ctx context.Context, caller, id string) (*model.Notification, error) {
+	if caller == "" {
+		return nil, merrors.Unauthorized("missing caller")
+	}
+	if _, err := bson.ObjectIDFromHex(id); err != nil {
+		return nil, merrors.InvalidArgument("invalid notification ID")
+	}
+	return s.repo.Get(ctx, caller, id)
+}

backend/notifications/service/worker.go

@@ -0,0 +1,75 @@
+package service
+
+import (
+	"context"
+	"errors"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/notifications/model"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	"go.uber.org/zap"
+)
+
+// Dispatch consumes an opaque job ID from JetStream. Duplicate messages are safe.
+func (s *Service) Dispatch(ctx context.Context, id string) (bool, error) {
+	now := time.Now().UTC()
+	if err := s.repo.Recover(ctx, now); err != nil {
+		return false, err
+	}
+	n, err := s.repo.Claim(ctx, id, now)
+	if errors.Is(err, merrors.ErrNoData) {
+		return false, nil
+	}
+	if err != nil {
+		return false, err
+	}
+	switch {
+	case !n.ExpiresAt.After(now):
+		n.State = model.Expired
+		n.FailureCode = "expired"
+	case n.Driver != s.driver:
+		n.State = model.Failed
+		n.FailureCode = "driver_changed"
+	default:
+		deadline := now.Add(20 * time.Second)
+		if n.ExpiresAt.Before(deadline) {
+			deadline = n.ExpiresAt
+		}
+		sendCtx, cancel := context.WithDeadline(ctx, deadline)
+		outcome := s.sender.Send(sendCtx, n.ID.Hex(), n.Email)
+		cancel()
+		n.State = outcome.State
+		n.FailureCode = outcome.Code
+		if n.State == model.RetryWait {
+			delay := time.Duration(1<<min(n.Attempts, 8)) * time.Second
+			if outcome.RetryAfter > delay {
+				delay = outcome.RetryAfter
+			}
+			n.NextAttemptAt = time.Now().UTC().Add(delay)
+			if n.Attempts >= 5 {
+				n.State = model.Failed
+				n.FailureCode = "retry_exhausted"
+			} else if !n.NextAttemptAt.Before(n.ExpiresAt) {
+				n.State = model.Expired
+				n.FailureCode = "expired"
+			}
+		} else if n.State != model.Accepted && n.State != model.Failed && n.State != model.Unknown {
+			n.State = model.Unknown
+			n.FailureCode = "invalid_driver_outcome"
+		}
+	}
+	n.UpdatedAt = time.Now().UTC()
+	// Persist the result even when shutdown canceled the provider request.
+	finishCtx, cancel := context.WithTimeout(context.WithoutCancel(ctx), 5*time.Second)
+	defer cancel()
+	if err = s.repo.Finish(finishCtx, n); err != nil {
+		return true, err
+	}
+	fields := []zap.Field{zap.String("notification_id", n.ID.Hex()), zap.String("driver", n.Driver), zap.String("state", string(n.State)), zap.Uint32("attempts", n.Attempts), zap.String("failure_code", n.FailureCode)}
+	if n.State == model.Accepted {
+		s.logger.Info("Email accepted by provider", fields...)
+	} else {
+		s.logger.Warn("Email delivery attempt finished", fields...)
+	}
+	return true, nil
+}

backend/notifications/service/worker_test.go

@@ -0,0 +1,64 @@
+package service
+
+import (
+	"context"
+	"testing"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/notifications/email"
+	"git.sendico.io/tech/sxchnge/notifications/model"
+	"go.uber.org/zap"
+)
+
+type workerRepo struct {
+	Repository
+	job   model.Notification
+	saved *model.Notification
+}
+
+func (r *workerRepo) Recover(context.Context, time.Time) error { return nil }
+func (r *workerRepo) Claim(context.Context, string, time.Time) (*model.Notification, error) {
+	n := r.job
+	return &n, nil
+}
+func (r *workerRepo) Finish(_ context.Context, n *model.Notification) error { r.saved = n; return nil }
+
+type workerSender struct {
+	calls   int
+	outcome email.Outcome
+}
+
+func (s *workerSender) Send(context.Context, string, model.Email) email.Outcome {
+	s.calls++
+	return s.outcome
+}
+func TestWorkerTerminalAndRetryOutcomes(t *testing.T) {
+	for _, tc := range []struct {
+		name     string
+		expiry   time.Time
+		driver   string
+		attempts uint32
+		outcome  model.State
+		want     model.State
+		calls    int
+	}{
+		{"expired", time.Now().Add(-time.Minute), "resend", 1, model.Accepted, model.Expired, 0},
+		{"driver changed", time.Now().Add(time.Hour), "sendgrid", 1, model.Accepted, model.Failed, 0},
+		{"retry exhausted", time.Now().Add(time.Hour), "resend", 5, model.RetryWait, model.Failed, 1},
+		{"retry expiry", time.Now().Add(time.Second), "resend", 1, model.RetryWait, model.Expired, 1},
+		{"ambiguous", time.Now().Add(time.Hour), "resend", 1, model.Unknown, model.Unknown, 1},
+		{"invalid driver outcome", time.Now().Add(time.Hour), "resend", 1, model.Queued, model.Unknown, 1},
+	} {
+		t.Run(tc.name, func(t *testing.T) {
+			repo := &workerRepo{job: model.Notification{Driver: tc.driver, ExpiresAt: tc.expiry, Attempts: tc.attempts}}
+			sender := &workerSender{outcome: email.Outcome{State: tc.outcome}}
+			svc := New(repo, nil, sender, "resend", zap.NewNop())
+			if _, err := svc.Dispatch(context.Background(), "id"); err != nil {
+				t.Fatal(err)
+			}
+			if repo.saved == nil || repo.saved.State != tc.want || sender.calls != tc.calls {
+				t.Fatal(repo.saved, sender.calls)
+			}
+		})
+	}
+}

backend/notifications/store/mongo.go

@@ -0,0 +1,133 @@
+package store
+
+import (
+	"context"
+	"errors"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/notifications/model"
+	"git.sendico.io/tech/sxchnge/shared/database/repository"
+	"git.sendico.io/tech/sxchnge/shared/database/repository/builder"
+	ri "git.sendico.io/tech/sxchnge/shared/database/repository/index"
+	"git.sendico.io/tech/sxchnge/shared/database/source"
+	"git.sendico.io/tech/sxchnge/shared/database/template"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	mlogger "git.sendico.io/tech/sxchnge/shared/logging"
+	"go.mongodb.org/mongo-driver/v2/bson"
+	"go.uber.org/zap"
+)
+
+type Store struct {
+	template.DBImp[*model.Notification]
+}
+
+func New(logger mlogger.Logger, db source.Source) (*Store, error) {
+	s := &Store{*template.Create[*model.Notification](mlogger.Named(logger, "store"), "notifications", db)}
+	ttl := int32(0)
+	for _, index := range []*ri.Definition{
+		{Name: "unique_caller_key", Keys: []ri.Key{{Field: "caller", Sort: ri.Asc}, {Field: "key", Sort: ri.Asc}}, Unique: true},
+		{Name: "pending_dispatch", Keys: []ri.Key{{Field: "state", Sort: ri.Asc}, {Field: "next_attempt_at", Sort: ri.Asc}}},
+		{Name: "pending_expiry", Keys: []ri.Key{{Field: "state", Sort: ri.Asc}, {Field: "expires_at", Sort: ri.Asc}}},
+		{Name: "expired_lease", Keys: []ri.Key{{Field: "state", Sort: ri.Asc}, {Field: "lease_until", Sort: ri.Asc}}},
+		{Name: "purge_notifications", Keys: []ri.Key{{Field: "purge_at", Sort: ri.Asc}}, TTL: &ttl},
+	} {
+		if err := s.Repository.CreateIndex(index); err != nil {
+			return nil, wrap(err)
+		}
+	}
+	return s, nil
+}
+func wrap(err error) error {
+	if err == nil {
+		return nil
+	}
+	if errors.Is(err, merrors.ErrNoData) || errors.Is(err, merrors.ErrDataConflict) {
+		return err
+	}
+	return merrors.OpaqueWrap(merrors.ErrServiceUnavailable, err, "notification storage unavailable")
+}
+func (s *Store) Find(ctx context.Context, caller, key string) (*model.Notification, error) {
+	var n model.Notification
+	err := s.FindOne(ctx, repository.Query().And(repository.Filter("caller", caller), repository.Filter("key", key)), &n)
+	return &n, wrap(err)
+}
+func (s *Store) Get(ctx context.Context, caller, id string) (*model.Notification, error) {
+	oid, err := bson.ObjectIDFromHex(id)
+	if err != nil {
+		return nil, merrors.InvalidArgument("invalid notification ID")
+	}
+	var n model.Notification
+	err = s.FindOne(ctx, repository.Query().And(repository.Filter("caller", caller), repository.IDFilter(oid)), &n)
+	return &n, wrap(err)
+}
+func (s *Store) Create(ctx context.Context, n *model.Notification) (*model.Notification, error) {
+	err := s.DBImp.Create(ctx, n)
+	if errors.Is(err, merrors.ErrDataConflict) {
+		return s.Find(ctx, n.Caller, n.Key)
+	}
+	return n, wrap(err)
+}
+func pending(now time.Time) builder.Query {
+	return repository.Query().And(repository.Query().In(repository.Field("state"), model.Queued, model.RetryWait), repository.Query().Comparison(repository.Field("next_attempt_at"), builder.Lte, now))
+}
+
+// Expire pending messages independently of bus availability, then fence lost workers.
+// A lost worker may already have sent its message. Do not automatically replay it.
+func (s *Store) Recover(ctx context.Context, now time.Time) error {
+	expired := repository.Query().And(repository.Query().In(repository.Field("state"), model.Queued, model.RetryWait), repository.Query().Comparison(repository.Field("expires_at"), builder.Lte, now))
+	expirePatch := repository.Patch().Set(repository.Field("state"), model.Expired).Set(repository.Field("failure_code"), "expired").Set(repository.Field("updatedAt"), now).Set(repository.Field("email"), model.Email{})
+	count, err := s.PatchMany(ctx, expired, expirePatch)
+	if err != nil {
+		return wrap(err)
+	}
+	if count > 0 {
+		s.Logger.Info("Pending notifications expired", zap.Int("count", count))
+	}
+	query := repository.Query().And(repository.Filter("state", model.Sending), repository.Query().Comparison(repository.Field("lease_until"), builder.Lte, now))
+	patch := repository.Patch().Set(repository.Field("state"), model.Unknown).Set(repository.Field("failure_code"), "worker_outcome_unknown").Set(repository.Field("updatedAt"), now).Set(repository.Field("email"), model.Email{})
+	count, err = s.PatchMany(ctx, query, patch)
+	if err == nil && count > 0 {
+		s.Logger.Warn("Notification workers lost their leases", zap.Int("count", count))
+	}
+	return wrap(err)
+}
+func (s *Store) Claim(ctx context.Context, id string, now time.Time) (*model.Notification, error) {
+	oid, err := bson.ObjectIDFromHex(id)
+	if err != nil {
+		return nil, merrors.NoData("invalid job ID")
+	}
+	var n model.Notification
+	query := repository.Query().And(repository.IDFilter(oid), pending(now))
+	patch := repository.Patch().Set(repository.Field("state"), model.Sending).Set(repository.Field("updatedAt"), now).Set(repository.Field("lease_until"), now.Add(time.Minute)).Inc(repository.Field("attempts"), 1)
+	matched, err := s.Repository.PatchOneByFilter(ctx, query, patch, &n)
+	if err != nil {
+		return nil, wrap(err)
+	}
+	if !matched {
+		return nil, merrors.NoData("job is not pending")
+	}
+	return &n, nil
+}
+func (s *Store) Finish(ctx context.Context, n *model.Notification) error {
+	query := repository.Query().And(repository.IDFilter(n.ID), repository.Filter("state", model.Sending), repository.Filter("attempts", n.Attempts), repository.Filter("lease_until", n.LeaseUntil))
+	patch := repository.Patch().Set(repository.Field("state"), n.State).Set(repository.Field("failure_code"), n.FailureCode).Set(repository.Field("updatedAt"), n.UpdatedAt).Set(repository.Field("next_attempt_at"), n.NextAttemptAt)
+	if n.State != model.RetryWait {
+		patch.Set(repository.Field("email"), model.Email{})
+	}
+	count, err := s.PatchMany(ctx, query, patch)
+	if err != nil {
+		return wrap(err)
+	}
+	if count != 1 {
+		return merrors.DataConflict("delivery lease lost")
+	}
+	return nil
+}
+
+// Acceptance and outbox work are one document, so no dual-write transaction is needed.
+func (s *Store) Due(ctx context.Context, now time.Time) ([]model.Notification, error) {
+	limit := int64(100)
+	var jobs []model.Notification
+	err := s.Repository.FindAllByFilter(ctx, pending(now).Sort(repository.Field("next_attempt_at"), true).Limit(&limit), &jobs)
+	return jobs, wrap(err)
+}

backend/notifications/templates.example.json

@@ -0,0 +1,79 @@
+[
+  {
+    "id": "exchange.completed",
+    "version": "1",
+    "default_locale": "en",
+    "parameters": [
+      "first_name",
+      "amount",
+      "currency"
+    ],
+    "locales": {
+      "en": {
+        "subject": "Your exchange is complete",
+        "html": "<p>Hi {{.first_name}}, your exchange of {{.amount}} {{.currency}} is complete.</p>",
+        "text": "Hi {{.first_name}}, your exchange of {{.amount}} {{.currency}} is complete."
+      }
+    }
+  },
+  {
+    "id": "auth.activation",
+    "version": "1",
+    "default_locale": "en",
+    "parameters": [
+      "url"
+    ],
+    "locales": {
+      "en": {
+        "subject": "Verify your SXCHNGE email",
+        "text": "Confirm your email: {{.url}}\nThis link expires in 24 hours. If you did not sign up, ignore this email.",
+        "html": "<p>Confirm your email to finish signing up.</p><p><a href=\"{{.url}}\">Verify email</a></p><p>This link expires in 24 hours. If you did not sign up, ignore this email.</p>"
+      },
+      "ru": {
+        "subject": "Подтвердите почту SXCHNGE",
+        "text": "Подтвердите почту: {{.url}}\nСсылка действует 24 часа. Если вы не регистрировались, проигнорируйте письмо.",
+        "html": "<p><a href=\"{{.url}}\">Подтвердить почту</a></p><p>Ссылка действует 24 часа. Если вы не регистрировались, проигнорируйте письмо.</p>"
+      }
+    }
+  },
+  {
+    "id": "auth.login",
+    "version": "1",
+    "default_locale": "en",
+    "parameters": [
+      "code"
+    ],
+    "locales": {
+      "en": {
+        "subject": "Your SXCHNGE login code",
+        "text": "Your login code is {{.code}}. It expires in 10 minutes. Never share this code.",
+        "html": "<p>Your login code is <strong>{{.code}}</strong>.</p><p>It expires in 10 minutes. Never share this code.</p>"
+      },
+      "ru": {
+        "subject": "Код входа SXCHNGE",
+        "text": "Ваш код входа: {{.code}}. Он действует 10 минут. Никому не сообщайте код.",
+        "html": "<p>Ваш код входа: <strong>{{.code}}</strong>.</p><p>Он действует 10 минут. Никому не сообщайте код.</p>"
+      }
+    }
+  },
+  {
+    "id": "twofactor.code",
+    "version": "1",
+    "default_locale": "en",
+    "parameters": [
+      "code"
+    ],
+    "locales": {
+      "en": {
+        "subject": "Your SXCHNGE verification code",
+        "text": "Your verification code is {{.code}}. It expires in 10 minutes. Only enter it for the operation you requested. Never share this code.",
+        "html": "<p>Your verification code is <strong>{{.code}}</strong>.</p><p>It expires in 10 minutes. Only enter it for the operation you requested. Never share this code.</p>"
+      },
+      "ru": {
+        "subject": "Код подтверждения SXCHNGE",
+        "text": "Ваш код подтверждения: {{.code}}. Он действует 10 минут. Вводите его только для запрошенной вами операции. Никому не сообщайте код.",
+        "html": "<p>Ваш код подтверждения: <strong>{{.code}}</strong>.</p><p>Он действует 10 минут. Вводите его только для запрошенной вами операции. Никому не сообщайте код.</p>"
+      }
+    }
+  }
+]

backend/notifications/templates/catalog.go

@@ -0,0 +1,146 @@
+package templates
+
+import (
+	"bytes"
+	"encoding/json"
+	html "html/template"
+	"io"
+	"os"
+	"strings"
+	text "text/template"
+
+	"git.sendico.io/tech/sxchnge/notifications/model"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+)
+
+type Content struct {
+	Subject string `json:"subject"`
+	HTML    string `json:"html"`
+	Text    string `json:"text"`
+}
+type Definition struct {
+	ID            string             `json:"id"`
+	Version       string             `json:"version"`
+	DefaultLocale string             `json:"default_locale"`
+	Parameters    []string           `json:"parameters"`
+	Locales       map[string]Content `json:"locales"`
+}
+type compiled struct {
+	definition Definition
+	locales    map[string]renderers
+}
+type renderers struct {
+	subject, text *text.Template
+	html          *html.Template
+}
+type Catalog struct{ entries map[string]compiled }
+
+func Load(path string) (*Catalog, error) {
+	f, err := os.Open(path)
+	if err != nil {
+		return nil, merrors.OpaqueWrap(merrors.ErrInvalidArg, err, "cannot open template catalog")
+	}
+	defer f.Close()
+	var definitions []Definition
+	dec := json.NewDecoder(io.LimitReader(f, 4<<20))
+	dec.DisallowUnknownFields()
+	if err = dec.Decode(&definitions); err != nil {
+		return nil, merrors.OpaqueWrap(merrors.ErrInvalidArg, err, "invalid template catalog")
+	}
+	if err = dec.Decode(new(any)); err != io.EOF {
+		return nil, merrors.InvalidArgument("unexpected template catalog content")
+	}
+	return New(definitions)
+}
+func New(definitions []Definition) (*Catalog, error) {
+	c := &Catalog{entries: map[string]compiled{}}
+	if len(definitions) == 0 {
+		return nil, merrors.InvalidArgument("empty template catalog")
+	}
+	for _, d := range definitions {
+		key := d.ID + "\x00" + d.Version
+		if d.ID == "" || d.Version == "" || strings.ContainsRune(d.ID+d.Version, 0) {
+			return nil, merrors.InvalidArgument("invalid template identity")
+		}
+		if _, ok := c.entries[key]; ok {
+			return nil, merrors.InvalidArgument("duplicate template revision")
+		}
+		if _, ok := d.Locales[d.DefaultLocale]; !ok || d.DefaultLocale == "" {
+			return nil, merrors.InvalidArgument("missing default locale")
+		}
+		params := map[string]string{}
+		for _, p := range d.Parameters {
+			if p == "" {
+				return nil, merrors.InvalidArgument("empty parameter")
+			}
+			if _, ok := params[p]; ok {
+				return nil, merrors.InvalidArgument("duplicate parameter")
+			}
+			params[p] = "sample"
+		}
+		entry := compiled{definition: d, locales: map[string]renderers{}}
+		for locale, content := range d.Locales {
+			s, err := text.New("subject").Option("missingkey=error").Parse(content.Subject)
+			if err != nil {
+				return nil, merrors.InvalidArgument("invalid subject template")
+			}
+			t, err := text.New("text").Option("missingkey=error").Parse(content.Text)
+			if err != nil {
+				return nil, merrors.InvalidArgument("invalid text template")
+			}
+			h, err := html.New("html").Option("missingkey=error").Parse(content.HTML)
+			if err != nil {
+				return nil, merrors.InvalidArgument("invalid HTML template")
+			}
+			entry.locales[locale] = renderers{s, t, h}
+		}
+		c.entries[key] = entry
+		for locale := range d.Locales {
+			if _, err := c.Render(model.Request{TemplateID: d.ID, TemplateVersion: d.Version, Locale: locale, Parameters: params}); err != nil {
+				return nil, err
+			}
+		}
+	}
+	return c, nil
+}
+
+type boundedBuffer struct{ bytes.Buffer }
+
+func (b *boundedBuffer) Write(p []byte) (int, error) {
+	if b.Len()+len(p) > 256<<10 {
+		return 0, merrors.InvalidArgument("rendered content too large")
+	}
+	return b.Buffer.Write(p)
+}
+func (c *Catalog) Render(r model.Request) (model.Email, error) {
+	entry, ok := c.entries[r.TemplateID+"\x00"+r.TemplateVersion]
+	if !ok {
+		return model.Email{}, merrors.NoData("template revision not found")
+	}
+	if len(r.Parameters) != len(entry.definition.Parameters) {
+		return model.Email{}, merrors.InvalidArgument("template parameters do not match")
+	}
+	for _, p := range entry.definition.Parameters {
+		if _, ok := r.Parameters[p]; !ok {
+			return model.Email{}, merrors.InvalidArgument("missing template parameter")
+		}
+	}
+	locale := r.Locale
+	if locale == "" {
+		locale = entry.definition.DefaultLocale
+	}
+	render, ok := entry.locales[locale]
+	if !ok {
+		return model.Email{}, merrors.InvalidArgument("unsupported template locale")
+	}
+	var subject, body, plain boundedBuffer
+	for _, run := range []func() error{func() error { return render.subject.Execute(&subject, r.Parameters) }, func() error { return render.html.Execute(&body, r.Parameters) }, func() error { return render.text.Execute(&plain, r.Parameters) }} {
+		if err := run(); err != nil {
+			return model.Email{}, merrors.OpaqueWrap(merrors.ErrInvalidArg, err, "template rendering failed")
+		}
+	}
+	if subject.Len() == 0 || subject.Len() > 998 || strings.ContainsAny(subject.String(), "\r\n") || (body.Len() == 0 && plain.Len() == 0) {
+		return model.Email{}, merrors.InvalidArgument("invalid rendered email")
+	}
+	return model.Email{Address: r.Address, Subject: subject.String(), HTML: body.String(), Text: plain.String()}, nil
+}

backend/notifications/templates/catalog_test.go

@@ -0,0 +1,42 @@
+package templates
+
+import (
+	"strings"
+	"testing"
+
+	"git.sendico.io/tech/sxchnge/notifications/model"
+)
+
+func TestRenderAndValidate(t *testing.T) {
+	c, err := New([]Definition{{ID: "test", Version: "1", DefaultLocale: "en", Parameters: []string{"name"}, Locales: map[string]Content{"en": {Subject: "Hello {{.name}}", HTML: "<p>{{.name}}</p>", Text: "{{.name}}"}}}})
+	if err != nil {
+		t.Fatal(err)
+	}
+	r := model.Request{TemplateID: "test", TemplateVersion: "1", Parameters: map[string]string{"name": "<script>{{.other}}</script>"}}
+	result, err := c.Render(r)
+	if err != nil {
+		t.Fatal(err)
+	}
+	if strings.Contains(result.HTML, "<script>") || !strings.Contains(result.HTML, "{{.other}}") || result.Text != r.Parameters["name"] {
+		t.Fatalf("unsafe substitution: %+v", result)
+	}
+	for _, params := range []map[string]string{{}, {"name": "a", "extra": "b"}, {"wrong": "a"}, {"name": "bad\r\nsubject"}} {
+		r.Parameters = params
+		if _, err := c.Render(r); err == nil {
+			t.Fatal("invalid parameters accepted")
+		}
+	}
+	r.Parameters = map[string]string{"name": "valid"}
+	r.Locale = "unknown"
+	if _, err := c.Render(r); err == nil {
+		t.Fatal("unknown locale accepted")
+	}
+}
+func TestRejectBrokenCatalog(t *testing.T) {
+	for _, content := range []Content{{Subject: "Hello", HTML: "{{.undeclared}}"}, {Subject: "Hello", HTML: "{{"}, {HTML: "body"}} {
+		_, err := New([]Definition{{ID: "test", Version: "1", DefaultLocale: "en", Locales: map[string]Content{"en": content}}})
+		if err == nil {
+			t.Fatal("invalid template accepted")
+		}
+	}
+}

backend/notifications/transport/mapper.go

@@ -0,0 +1,46 @@
+package transport
+
+import (
+	"time"
+
+	pb "git.sendico.io/tech/sxchnge/notifications/interface/notifications/v1"
+	"git.sendico.io/tech/sxchnge/notifications/model"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	"google.golang.org/protobuf/types/known/timestamppb"
+)
+
+func request(r *pb.SendRequest) (model.Request, error) {
+	if r == nil || len(r.Targets) != 1 {
+		return model.Request{}, merrors.InvalidArgument("exactly one email target is required")
+	}
+	target := r.Targets[0]
+	if target == nil || target.Destination == nil {
+		return model.Request{}, merrors.InvalidArgument("missing destination")
+	}
+	email, ok := target.Destination.(*pb.Target_Email)
+	if !ok {
+		return model.Request{}, merrors.NotImplemented("channel is not implemented")
+	}
+	if email.Email == nil {
+		return model.Request{}, merrors.InvalidArgument("missing email target")
+	}
+	var expiry time.Time
+	if r.ExpiresAt != nil {
+		if err := r.ExpiresAt.CheckValid(); err != nil {
+			return model.Request{}, merrors.InvalidArgument("invalid expiry")
+		}
+		expiry = r.ExpiresAt.AsTime()
+	}
+	return model.Request{Key: r.IdempotencyKey, UserID: r.UserId, TemplateID: r.TemplateId, TemplateVersion: r.TemplateVersion, Parameters: r.Parameters, Locale: r.Locale, Address: email.Email.Address, ExpiresAt: expiry}, nil
+}
+func response(n *model.Notification) *pb.Notification {
+	states := map[model.State]pb.DeliveryState{model.Queued: pb.DeliveryState_DELIVERY_STATE_QUEUED, model.Sending: pb.DeliveryState_DELIVERY_STATE_SENDING, model.RetryWait: pb.DeliveryState_DELIVERY_STATE_RETRY_WAIT, model.Accepted: pb.DeliveryState_DELIVERY_STATE_ACCEPTED, model.Failed: pb.DeliveryState_DELIVERY_STATE_FAILED, model.Expired: pb.DeliveryState_DELIVERY_STATE_EXPIRED, model.Unknown: pb.DeliveryState_DELIVERY_STATE_UNKNOWN}
+	d := &pb.Delivery{Id: n.ID.Hex() + "-email", Channel: pb.Channel_CHANNEL_EMAIL, State: states[n.State], AttemptCount: n.Attempts, UpdatedAt: timestamppb.New(n.UpdatedAt)}
+	if n.FailureCode != "" {
+		d.Failure = &pb.Failure{Code: n.FailureCode, Message: "See the documented delivery failure code."}
+	}
+	if n.State == model.Queued || n.State == model.RetryWait {
+		d.NextAttemptAt = timestamppb.New(n.NextAttemptAt)
+	}
+	return &pb.Notification{Id: n.ID.Hex(), UserId: n.UserID, TemplateId: n.TemplateID, TemplateVersion: n.TemplateVersion, Deliveries: []*pb.Delivery{d}, CreatedAt: timestamppb.New(n.CreatedAt), UpdatedAt: timestamppb.New(n.UpdatedAt), ExpiresAt: timestamppb.New(n.ExpiresAt)}
+}

backend/notifications/transport/server.go

@@ -0,0 +1,66 @@
+package transport
+
+import (
+	"context"
+	"errors"
+
+	pb "git.sendico.io/tech/sxchnge/notifications/interface/notifications/v1"
+	"git.sendico.io/tech/sxchnge/notifications/model"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	"google.golang.org/grpc/codes"
+	"google.golang.org/grpc/status"
+)
+
+type API interface {
+	Send(context.Context, string, model.Request) (*model.Notification, error)
+	Get(context.Context, string, string) (*model.Notification, error)
+}
+type Server struct {
+	pb.UnimplementedNotificationsServiceServer
+	service API
+}
+
+// The private endpoint uses the existing product storage namespace without caller authentication.
+func New(service API) *Server { return &Server{service: service} }
+func (s *Server) Send(ctx context.Context, r *pb.SendRequest) (*pb.SendResponse, error) {
+	input, err := request(r)
+	if err != nil {
+		return nil, rpcError(err)
+	}
+	n, err := s.service.Send(ctx, "product", input)
+	if err != nil {
+		return nil, rpcError(err)
+	}
+	return &pb.SendResponse{Notification: response(n)}, nil
+}
+func (s *Server) Get(ctx context.Context, r *pb.GetRequest) (*pb.GetResponse, error) {
+	if r == nil {
+		return nil, status.Error(codes.InvalidArgument, "missing request")
+	}
+	n, err := s.service.Get(ctx, "product", r.Id)
+	if err != nil {
+		return nil, rpcError(err)
+	}
+	return &pb.GetResponse{Notification: response(n)}, nil
+}
+
+func rpcError(err error) error {
+	if errors.Is(err, context.Canceled) {
+		return status.Error(codes.Canceled, "notification operation canceled")
+	}
+	if errors.Is(err, context.DeadlineExceeded) {
+		return status.Error(codes.DeadlineExceeded, "notification operation deadline exceeded")
+	}
+	for _, pair := range []struct {
+		err     error
+		code    codes.Code
+		message string
+	}{
+		{merrors.ErrInvalidArg, codes.InvalidArgument, "invalid notification request"}, {merrors.ErrNoData, codes.NotFound, "notification or template not found"}, {merrors.ErrDataConflict, codes.AlreadyExists, "idempotency key already used"}, {merrors.ErrUnauthorized, codes.Unauthenticated, "missing service credentials"}, {merrors.ErrAccessDenied, codes.PermissionDenied, "access denied"}, {merrors.ErrNotImplemented, codes.Unimplemented, "channel is not implemented"}, {merrors.ErrServiceUnavailable, codes.Unavailable, "notification storage unavailable"},
+	} {
+		if errors.Is(err, pair.err) {
+			return status.Error(pair.code, pair.message)
+		}
+	}
+	return status.Error(codes.Internal, "notification operation failed")
+}

backend/notifications/transport/server_test.go

@@ -0,0 +1,70 @@
+package transport
+
+import (
+	"context"
+	"net"
+	"strings"
+	"testing"
+	"time"
+
+	pb "git.sendico.io/tech/sxchnge/notifications/interface/notifications/v1"
+	"git.sendico.io/tech/sxchnge/notifications/model"
+	"git.sendico.io/tech/sxchnge/shared/database/record"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	"go.mongodb.org/mongo-driver/v2/bson"
+	"google.golang.org/grpc"
+	"google.golang.org/grpc/codes"
+	"google.golang.org/grpc/credentials/insecure"
+	"google.golang.org/grpc/status"
+	"google.golang.org/grpc/test/bufconn"
+)
+
+type fakeAPI struct{}
+
+func (fakeAPI) Send(_ context.Context, caller string, r model.Request) (*model.Notification, error) {
+	if caller != "product" {
+		return nil, merrors.Unauthorized("missing caller")
+	}
+	return &model.Notification{Base: storable.Base{ID: bson.NewObjectID(), CreatedAt: time.Now(), UpdatedAt: time.Now()}, UserID: r.UserID, State: model.Queued, Email: model.Email{Address: r.Address, Text: "sensitive"}, ExpiresAt: time.Now().Add(time.Hour)}, nil
+}
+func (fakeAPI) Get(context.Context, string, string) (*model.Notification, error) {
+	return nil, merrors.NoData("private details")
+}
+func TestGRPCWithoutAuthenticationAndMapping(t *testing.T) {
+	listener := bufconn.Listen(1 << 20)
+	server := grpc.NewServer()
+	pb.RegisterNotificationsServiceServer(server, New(fakeAPI{}))
+	go func() { _ = server.Serve(listener) }()
+	defer server.Stop()
+	conn, err := grpc.NewClient("passthrough:///buf", grpc.WithTransportCredentials(insecure.NewCredentials()), grpc.WithContextDialer(func(context.Context, string) (net.Conn, error) { return listener.Dial() }))
+	if err != nil {
+		t.Fatal(err)
+	}
+	defer conn.Close()
+	client := pb.NewNotificationsServiceClient(conn)
+	req := &pb.SendRequest{UserId: "u", Targets: []*pb.Target{{Destination: &pb.Target_Email{Email: &pb.EmailTarget{Address: "user@example.com"}}}}}
+	ctx := context.Background()
+	result, err := client.Send(ctx, req)
+	if err != nil {
+		t.Fatal(err)
+	}
+	if result.Notification.UserId != "u" || strings.Contains(result.String(), "sensitive") || strings.Contains(result.String(), "user@example.com") {
+		t.Fatal(result)
+	}
+	req.Targets[0].Destination = &pb.Target_Telegram{Telegram: &pb.TelegramTarget{ChatId: "123"}}
+	if _, err = client.Send(ctx, req); status.Code(err) != codes.Unimplemented {
+		t.Fatal(err)
+	}
+	if _, err = client.Get(ctx, &pb.GetRequest{Id: "id"}); status.Code(err) != codes.NotFound {
+		t.Fatal(err)
+	}
+}
+
+func TestCancellationStatus(t *testing.T) {
+	if status.Code(rpcError(merrors.OpaqueWrap(merrors.ErrServiceUnavailable, context.Canceled, "storage"))) != codes.Canceled {
+		t.Fatal("cancellation lost at transport boundary")
+	}
+	if status.Code(rpcError(context.DeadlineExceeded)) != codes.DeadlineExceeded {
+		t.Fatal("deadline lost at transport boundary")
+	}
+}

backend/product/README.md

@@ -0,0 +1,52 @@
+# SXCHNGE product BFF
+
+This Go module is the customer-facing executable. `main.go` composes the copied
+runtime and local customer service. Customers, auth, sessions and verification
+own their models and supporting code; generic infrastructure comes from the
+sibling `shared` library module.
+
+## Run
+
+Requires Go 1.27 and an SXCHNGE-owned MongoDB replica set for transactions.
+Copy `config.example.yml` to an untracked `config.yml` in this directory. Set:
+
+- `SXCHNGE_MONGO_URI`: URI for SXCHNGE's database.
+- `SXCHNGE_JWT_SECRET`: random signing key, at least 32 bytes for HS256.
+- `SXCHNGE_DOMAIN`: local hostname, such as `localhost:8082`.
+- `SXCHNGE_API_PROTOCOL`: `http` locally, `https` in deployment.
+- `SXCHNGE_API_ENDPOINT`: `/api/v1`.
+
+From the repository root, run `make run-backend`, or run `go run .` here.
+Flags: `-config.file`, `-version`, `-debug`. Configure exact browser origins in
+YAML; browser refresh cookies require HTTPS. An empty local database needs no
+organization, role, policy or seed; the runtime creates its indexes.
+
+The runtime mounts health, login, API login, refresh, rotation and logout routes.
+Customer/application-client records must exist for login. The customer service
+supports atomic account/activation creation and deletion with session revocation.
+Signup and email verification delivery/completion are available when
+`api.notifications` is configured. Flutter selects the backend using
+`SXCHNGE_API_URL` and `SXCHNGE_CLIENT_ID`. See
+[auth notification setup and contracts](../../docs/auth-notifications.md).
+API versions are installed explicitly by the product composition. See
+[version installation and compatibility](../../docs/api-versions.md) for selection,
+mounts, shared lifecycle and adding a future version. Customer profile endpoint
+wiring remains follow-up work.
+
+Optional `api.sendico` connects sign-up to the public individual registry and
+immutable Facts intake. The adapter owns organization context and consumed wire
+contracts; local customers retain no platform tenancy. See
+[configuration, recovery and measurement](../../docs/signup-facts.md).
+
+## Validate
+
+`go test -race ./...` and `go vet ./...` validate this module. Tests require Docker
+for disposable Mongo replica sets. Root `make test` and `make lint-backend` also
+validate `shared`. See [source provenance](../PROVENANCE.md).
+
+## Customer quotations and payments
+
+With `api.sendico`, runtime composes the customer-scoped payment service and
+public HTTP provider adapter. Flutter backend mode selects this path automatically;
+missing provider configuration never returns demo money. See
+[contracts, provisioning, authorization and rollout](../../docs/payments.md).

backend/product/app/api/api.go

@@ -0,0 +1,41 @@
+package api
+
+import (
+	"git.sendico.io/tech/sxchnge/product/app/urls"
+	"git.sendico.io/tech/sxchnge/product/auth/config"
+	"git.sendico.io/tech/sxchnge/product/auth/flow"
+	"git.sendico.io/tech/sxchnge/product/auth/storage"
+	"git.sendico.io/tech/sxchnge/product/customers"
+	"git.sendico.io/tech/sxchnge/product/identity"
+	"git.sendico.io/tech/sxchnge/product/payments"
+	"git.sendico.io/tech/sxchnge/product/twofactor"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+	"github.com/go-chi/chi/v5"
+)
+
+// Dependencies are initialized once and shared by installed transports.
+type Dependencies struct {
+	Stores      *storage.Stores
+	Customers   accountservice.AccountService
+	Auth        *flow.Service
+	Factors     *twofactor.Service
+	Identity    *identity.Service
+	Payments    *payments.Service
+	Token       middleware.TokenConfig
+	Signature   middleware.Signature
+	LoginLimits middleware.LoginRateLimits
+}
+
+// Scope belongs to one installation. Router paths are relative to Mount.
+type Scope struct {
+	Router chi.Router
+	Mount  string
+	URLs   domainprovider.DomainProvider
+	Logger mlogger.Logger
+}
+type Installer func(Scope, *Dependencies) error
+
+type Mount struct {
+	Version string `yaml:"version"`
+	Path    string `yaml:"path"`
+}

backend/product/app/api/config.go

@@ -0,0 +1,22 @@
+package api
+
+import (
+	mwa "git.sendico.io/tech/sxchnge/product/auth/config"
+	"git.sendico.io/tech/sxchnge/product/notifications"
+	"git.sendico.io/tech/sxchnge/product/providers/sendico"
+	verificationconfig "git.sendico.io/tech/sxchnge/product/verification/config"
+)
+
+type Config struct {
+	Sendico *sendico.Config `yaml:"sendico"`
+	// nil preserves the legacy v1 mount; an explicit empty list installs no API.
+	Versions      []Mount                    `yaml:"versions"`
+	Notifications *notifications.Config      `yaml:"notifications"`
+	Mw            *mwa.Config                `yaml:"middleware"`
+	AuthStorage   *mwa.AuthStorageConfig     `yaml:"auth_storage"`
+	Verification  *verificationconfig.Config `yaml:"verification"`
+}
+
+func (c *Config) SharedConfig() *Config {
+	return c
+}

backend/product/app/api/runtime.go

@@ -0,0 +1,35 @@
+package api
+
+import (
+	"context"
+
+	"git.sendico.io/tech/sxchnge/shared/database"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+)
+
+type ConfigProvider interface{ SharedConfig() *Config }
+type ConfigFactory func() ConfigProvider
+
+// Bootstrap opens process-owned resources. Its cleanup is called once even if
+// installation fails. On error, bootstrap must return cleanup or clean its own
+// resources before returning, never both.
+type Bootstrap func(context.Context, mlogger.Logger, *Config, db.Factory) (*Dependencies, func(context.Context) error, error)
+type RuntimeConfig struct {
+	Name          string
+	ConfigFactory ConfigFactory
+	Bootstrap     Bootstrap
+	Versions      map[string]Installer
+}
+
+func (cfg RuntimeConfig) RuntimeName() string {
+	if cfg.Name == "" {
+		return "product"
+	}
+	return cfg.Name
+}
+func (cfg RuntimeConfig) NewConfig() ConfigProvider {
+	if cfg.ConfigFactory != nil {
+		return cfg.ConfigFactory()
+	}
+	return &Config{}
+}

backend/product/app/api/v1/install.go

@@ -0,0 +1,30 @@
+// Package v1 composes the product's first public HTTP contract.
+package v1
+
+import (
+	"git.sendico.io/tech/sxchnge/product/app/api"
+	auth "git.sendico.io/tech/sxchnge/product/auth/http/v1"
+	"git.sendico.io/tech/sxchnge/product/auth/http/v1/public"
+	identity "git.sendico.io/tech/sxchnge/product/identity/http/v1"
+	paymenthttp "git.sendico.io/tech/sxchnge/product/payments/http/v1"
+	factors "git.sendico.io/tech/sxchnge/product/twofactor/http/v1"
+	"git.sendico.io/tech/sxchnge/shared/errors"
+)
+
+func Install(scope api.Scope, deps *api.Dependencies) error {
+	if deps == nil || deps.Stores == nil {
+		return merrors.InvalidArgument("v1 auth dependencies are required")
+	}
+	flows := public.Flows{Onboarding: deps.Auth}
+	if deps.Factors != nil {
+		flows.Factors = deps.Factors
+	}
+	// Signature is resolved at bootstrap, not by each version from the environment.
+	routes := auth.Install(scope.Logger, scope.Router, "", deps.Stores.Accounts, deps.Stores.RefreshTokens, deps.Stores.LoginAttempts, &deps.Token, deps.Signature, deps.LoginLimits, flows)
+	if deps.Factors != nil {
+		factors.Install(routes, deps.Factors, scope.Logger)
+	}
+	identity.Install(routes, deps.Identity, scope.Logger)
+	paymenthttp.Install(routes, deps.Payments, scope.Logger)
+	return nil
+}

backend/product/app/health/health.go

@@ -0,0 +1,18 @@
+package routers
+
+import (
+	"git.sendico.io/tech/sxchnge/product/app/health/internal"
+	"git.sendico.io/tech/sxchnge/product/app/health/status"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+	"github.com/go-chi/chi/v5"
+)
+
+type Health interface {
+	SetStatus(status health.ServiceStatus)
+	SetStatusWithReason(status health.ServiceStatus, reason string)
+	Finish()
+}
+
+func NewHealthRouter(logger mlogger.Logger, router chi.Router, endpoint string) (Health, error) {
+	return healthimp.NewRouter(logger, router, endpoint), nil
+}

backend/product/app/health/internal/health.go

@@ -0,0 +1,76 @@
+package healthimp
+
+import (
+	"net/http"
+	"strings"
+
+	"git.sendico.io/tech/sxchnge/product/app/health/status"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+	"github.com/go-chi/chi/v5"
+	"go.uber.org/zap"
+)
+
+type Router struct {
+	logger mlogger.Logger
+	status *Status
+}
+
+func (hr *Router) SetStatus(status health.ServiceStatus) {
+	hr.SetStatusWithReason(status, defaultReason(status))
+}
+
+func (hr *Router) SetStatusWithReason(status health.ServiceStatus, reason string) {
+	previous, changed := hr.status.transition(status)
+	if !changed {
+		return
+	}
+	reason = strings.TrimSpace(reason)
+	if reason == "" {
+		reason = defaultReason(status)
+	}
+	hr.logger.Info("Health status changed",
+		zap.String("previous_status", string(previous)),
+		zap.String("status", string(status)),
+		zap.String("reason", reason),
+	)
+}
+
+func (hr *Router) Finish() {
+	hr.status.Finish()
+	hr.logger.Debug("Stopped")
+}
+
+func (hr *Router) handle(w http.ResponseWriter, r *http.Request) {
+	hr.status.healthHandler()(w, r)
+}
+
+func NewRouter(logger mlogger.Logger, router chi.Router, endpoint string) *Router {
+	hr := Router{
+		logger: logger.Named("health_check"),
+	}
+	hr.status = StatusHandler(hr.logger)
+
+	logger.Debug("Installing healthcheck middleware...")
+	router.Group(func(r chi.Router) {
+		ep := endpoint + "/health"
+		r.Get(ep, hr.handle)
+		logger.Info("Health handler installed", zap.String("endpoint", ep))
+	})
+
+	return &hr
+}
+
+func defaultReason(status health.ServiceStatus) string {
+	switch status {
+	case health.SSCreated:
+		return "service created"
+	case health.SSStarting:
+		return "service is starting"
+	case health.SSRunning:
+		return "service is ready"
+	case health.SSTerminating:
+		return "service is shutting down"
+	default:
+		return "service health status changed"
+	}
+}

backend/product/app/health/internal/health_test.go

@@ -0,0 +1,53 @@
+package healthimp
+
+import (
+	"testing"
+
+	"git.sendico.io/tech/sxchnge/product/app/health/status"
+	"github.com/go-chi/chi/v5"
+	"go.uber.org/zap"
+	"go.uber.org/zap/zaptest/observer"
+)
+
+func TestSetStatusLogsOnlyTransitionsWithReason(t *testing.T) {
+	core, observed := observer.New(zap.InfoLevel)
+	router := NewRouter(zap.New(core), chi.NewRouter(), "")
+
+	router.SetStatusWithReason(health.SSStarting, "observability endpoint initialized")
+	router.SetStatusWithReason(health.SSStarting, "duplicate readiness report")
+	router.SetStatusWithReason(health.SSRunning, "all configured ingestion drivers are ready")
+	router.SetStatus(health.SSRunning)
+
+	entries := observed.FilterMessage("Health status changed").All()
+	if len(entries) != 2 {
+		t.Fatalf("health transition log count = %d, want 2", len(entries))
+	}
+	assertTransition(t, entries[0].ContextMap(), "created", "starting", "observability endpoint initialized")
+	assertTransition(t, entries[1].ContextMap(), "starting", "ok", "all configured ingestion drivers are ready")
+}
+
+func TestSetStatusUsesNonEmptyDefaultReason(t *testing.T) {
+	core, observed := observer.New(zap.InfoLevel)
+	router := NewRouter(zap.New(core), chi.NewRouter(), "")
+
+	router.SetStatusWithReason(health.SSTerminating, "  ")
+
+	entries := observed.FilterMessage("Health status changed").All()
+	if len(entries) != 1 {
+		t.Fatalf("health transition log count = %d, want 1", len(entries))
+	}
+	assertTransition(t, entries[0].ContextMap(), "created", "deactivating", "service is shutting down")
+}
+
+func assertTransition(t *testing.T, fields map[string]any, previous, status, reason string) {
+	t.Helper()
+	for key, want := range map[string]string{
+		"previous_status": previous,
+		"status":          status,
+		"reason":          reason,
+	} {
+		if got, ok := fields[key].(string); !ok || got != want {
+			t.Fatalf("%s = %v, want %q", key, fields[key], want)
+		}
+	}
+}

backend/product/app/health/internal/status.go

@@ -0,0 +1,50 @@
+package healthimp
+
+import (
+	"net/http"
+	"sync"
+
+	"git.sendico.io/tech/sxchnge/product/app/health/status"
+	"git.sendico.io/tech/sxchnge/shared/http/response"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+)
+
+type Status struct {
+	logger mlogger.Logger
+	mu     sync.RWMutex
+	status health.ServiceStatus
+}
+
+func (hs *Status) healthHandler() http.HandlerFunc {
+	hs.mu.RLock()
+	status := hs.status
+	hs.mu.RUnlock()
+	return response.Ok(hs.logger, struct {
+		Status health.ServiceStatus `json:"status"`
+	}{
+		status,
+	})
+}
+
+func (hr *Status) Finish() {
+	hr.logger.Info("Finished")
+}
+
+func (hs *Status) transition(status health.ServiceStatus) (health.ServiceStatus, bool) {
+	hs.mu.Lock()
+	defer hs.mu.Unlock()
+	previous := hs.status
+	if previous == status {
+		return previous, false
+	}
+	hs.status = status
+	return previous, true
+}
+
+func StatusHandler(logger mlogger.Logger) *Status {
+	hs := Status{
+		status: health.SSCreated,
+		logger: logger.Named("status"),
+	}
+	return &hs
+}

backend/product/app/health/status/status.go

@@ -0,0 +1,10 @@
+package health
+
+type ServiceStatus string
+
+const (
+	SSCreated     ServiceStatus = "created"
+	SSStarting    ServiceStatus = "starting"
+	SSRunning     ServiceStatus = "ok"
+	SSTerminating ServiceStatus = "deactivating"
+)

backend/product/app/http/middleware.go

@@ -0,0 +1,103 @@
+package httptransport
+
+import (
+	"net/http"
+	"path"
+
+	mr "git.sendico.io/tech/sxchnge/product/app/metrics"
+	"git.sendico.io/tech/sxchnge/product/auth/config"
+	"git.sendico.io/tech/sxchnge/product/sessions/browser"
+	"git.sendico.io/tech/sxchnge/shared/errors"
+	"git.sendico.io/tech/sxchnge/shared/http/response"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+	"git.sendico.io/tech/sxchnge/shared/service"
+	"github.com/go-chi/chi/v5"
+	cm "github.com/go-chi/chi/v5/middleware"
+	"github.com/go-chi/cors"
+	"github.com/go-chi/metrics"
+	"go.uber.org/zap"
+	"moul.io/chizap"
+)
+
+type Middleware struct {
+	logger      mlogger.Logger
+	router      *chi.Mux
+	apiEndpoint string
+	metrics     mr.Metrics
+}
+
+func (mw *Middleware) Finish() {
+	if mw.metrics != nil {
+		mw.metrics.Finish()
+	}
+}
+func (mw *Middleware) installMiddleware(config *middleware.Config, debug bool) {
+	mw.logger.Debug("Installing middleware stack...")
+	// Collect metrics for application traffic only. Scrapes and health probes are
+	// operational traffic and would otherwise distort request and in-flight SLIs.
+	mw.router.Use(metrics.Collector(metrics.CollectorOpts{
+		Host:  false, // avoid high-cardinality "host" label
+		Proto: true,  // include HTTP protocol label
+		Skip: func(r *http.Request) bool {
+			return isObservabilityRequest(mw.apiEndpoint, r.URL.Path)
+		},
+	}))
+	mw.router.Use(cm.RequestID)
+	if debug {
+		mw.router.Use(chizap.New(mw.logger.Named("http_trace"), &chizap.Opts{
+			WithReferer:   true,
+			WithUserAgent: true,
+		}))
+	}
+	mw.router.Use(cors.Handler(cors.Options{
+		AllowedOrigins:     config.CORS.AllowedOrigins,
+		AllowedMethods:     config.CORS.AllowedMethods,
+		AllowedHeaders:     config.CORS.AllowedHeaders,
+		ExposedHeaders:     config.CORS.ExposedHeaders,
+		AllowCredentials:   config.CORS.AllowCredentials,
+		MaxAge:             config.CORS.MaxAge,
+		OptionsPassthrough: false,
+		Debug:              debug,
+	}))
+	mw.router.Use(func(next http.Handler) http.Handler {
+		return http.HandlerFunc(func(w http.ResponseWriter, r *http.Request) {
+			if err := browser.ValidateCSRF(r, config.CORS.AllowedOrigins); err != nil {
+				mw.logger.Info("Rejected browser request with invalid CSRF context",
+					zap.String("method", r.Method), zap.String("path", r.URL.Path))
+				response.Forbidden(mw.logger, mservice.Accounts, "csrf_rejected", "browser request failed CSRF validation").ServeHTTP(w, r)
+				return
+			}
+			next.ServeHTTP(w, r)
+		})
+	})
+	mw.router.Use(cm.Recoverer)
+	mw.router.Handle("/metrics", metrics.Handler())
+	mw.logger.Info("Middleware stack installation complete")
+}
+
+func isObservabilityRequest(apiEndpoint, requestPath string) bool {
+	healthPath := path.Join("/", apiEndpoint, "health")
+	metricsPath := path.Join("/", apiEndpoint, "metrics")
+
+	return requestPath == healthPath || requestPath == metricsPath || requestPath == "/metrics"
+}
+
+func CreateMiddleware(logger mlogger.Logger, apiRouter *chi.Mux, config *middleware.Config, endpoint string, debug bool) (*Middleware, error) {
+	if config == nil {
+		return nil, merrors.InvalidArgument("middleware configuration is required", "middleware")
+	}
+	if err := config.Token.Validate(); err != nil {
+		return nil, err
+	}
+	if err := config.CORS.Validate(); err != nil {
+		return nil, err
+	}
+	p := &Middleware{logger: logger.Named("middleware"), router: apiRouter, apiEndpoint: endpoint}
+	p.installMiddleware(config, debug)
+	var err error
+	p.metrics, err = mr.NewMetricsRouter(p.logger, p.router, p.apiEndpoint)
+	if err != nil {
+		return nil, err
+	}
+	return p, nil
+}

backend/product/app/http/middleware_test.go

@@ -0,0 +1,155 @@
+package httptransport
+
+import (
+	"context"
+	"net/http"
+	"net/http/httptest"
+	"testing"
+
+	amr "git.sendico.io/tech/sxchnge/product/app/health"
+	"git.sendico.io/tech/sxchnge/product/app/health/status"
+	"github.com/go-chi/chi/v5"
+	chimetrics "github.com/go-chi/metrics"
+	"github.com/prometheus/client_golang/prometheus"
+	"go.uber.org/zap"
+	"go.uber.org/zap/zapcore"
+	"go.uber.org/zap/zaptest/observer"
+	"moul.io/chizap"
+)
+
+func TestHTTPCollectorDoesNotGatherHealthOrMetricsRequests(t *testing.T) {
+	router := chi.NewRouter()
+	router.Use(chimetrics.Collector(chimetrics.CollectorOpts{
+		Proto: true,
+		Skip: func(r *http.Request) bool {
+			return isObservabilityRequest("/api/v1", r.URL.Path)
+		},
+	}))
+	router.Get("/api/v1/health", func(w http.ResponseWriter, _ *http.Request) { w.WriteHeader(http.StatusOK) })
+	router.Handle("/metrics", chimetrics.Handler())
+	router.Handle("/api/v1/metrics", chimetrics.Handler())
+	router.Get("/api/v1/accounts", func(w http.ResponseWriter, _ *http.Request) { w.WriteHeader(http.StatusOK) })
+
+	beforeHealth := gatheredHTTPRequestCount(t, "GET /api/v1/health")
+	beforeMetrics := gatheredHTTPRequestCount(t, "GET /metrics")
+	beforeAPIMetrics := gatheredHTTPRequestCount(t, "GET /api/v1/metrics")
+	beforeApplication := gatheredHTTPRequestCount(t, "GET /api/v1/accounts")
+
+	for _, requestPath := range []string{"/api/v1/health", "/metrics", "/api/v1/metrics", "/api/v1/accounts"} {
+		request := httptest.NewRequestWithContext(context.Background(), http.MethodGet, requestPath, nil)
+		response := httptest.NewRecorder()
+		router.ServeHTTP(response, request)
+		if response.Code != http.StatusOK {
+			t.Fatalf("GET %s returned %d", requestPath, response.Code)
+		}
+	}
+
+	if got := gatheredHTTPRequestCount(t, "GET /api/v1/health") - beforeHealth; got != 0 {
+		t.Fatalf("health probe changed http_requests_total by %v", got)
+	}
+	if got := gatheredHTTPRequestCount(t, "GET /metrics") - beforeMetrics; got != 0 {
+		t.Fatalf("metrics scrape changed http_requests_total by %v", got)
+	}
+	if got := gatheredHTTPRequestCount(t, "GET /api/v1/metrics") - beforeAPIMetrics; got != 0 {
+		t.Fatalf("API metrics scrape changed http_requests_total by %v", got)
+	}
+	if got := gatheredHTTPRequestCount(t, "GET /api/v1/accounts") - beforeApplication; got != 1 {
+		t.Fatalf("application request changed http_requests_total by %v, want 1", got)
+	}
+}
+
+func gatheredHTTPRequestCount(t *testing.T, endpoint string) float64 {
+	t.Helper()
+
+	families, err := prometheus.DefaultGatherer.Gather()
+	if err != nil {
+		t.Fatalf("gather metrics: %v", err)
+	}
+	for _, family := range families {
+		if family.GetName() != "http_requests_total" {
+			continue
+		}
+
+		var total float64
+		for _, metric := range family.GetMetric() {
+			for _, label := range metric.GetLabel() {
+				if label.GetName() == "endpoint" && label.GetValue() == endpoint {
+					total += metric.GetCounter().GetValue()
+				}
+			}
+		}
+		return total
+	}
+
+	return 0
+}
+
+func TestObservabilityRequestsAreExcludedFromHTTPMetrics(t *testing.T) {
+	tests := []struct {
+		name        string
+		apiEndpoint string
+		requestPath string
+		want        bool
+	}{
+		{name: "health under API endpoint", apiEndpoint: "/api/v1", requestPath: "/api/v1/health", want: true},
+		{name: "metrics at root", apiEndpoint: "/api/v1", requestPath: "/metrics", want: true},
+		{name: "metrics under API endpoint", apiEndpoint: "/api/v1", requestPath: "/api/v1/metrics", want: true},
+		{name: "trailing endpoint slash", apiEndpoint: "/api/v1/", requestPath: "/api/v1/health", want: true},
+		{name: "application endpoint", apiEndpoint: "/api/v1", requestPath: "/api/v1/accounts", want: false},
+		{name: "health suffix is not a probe", apiEndpoint: "/api/v1", requestPath: "/api/v1/health/history", want: false},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			if got := isObservabilityRequest(tt.apiEndpoint, tt.requestPath); got != tt.want {
+				t.Fatalf("isObservabilityRequest(%q, %q) = %t, want %t", tt.apiEndpoint, tt.requestPath, got, tt.want)
+			}
+		})
+	}
+}
+
+func TestHealthMountedOutsideTraceMiddleware(t *testing.T) {
+	core, observed := observer.New(zapcore.InfoLevel)
+	logger := zap.New(core)
+
+	rootRouter := chi.NewRouter()
+	apiRouter := chi.NewRouter()
+
+	apiRouter.Use(chizap.New(logger.Named("middleware").Named("http_trace"), &chizap.Opts{}))
+	apiRouter.Get("/api/v1/accounts", func(w http.ResponseWriter, r *http.Request) {
+		w.WriteHeader(http.StatusOK)
+	})
+
+	healthRouter, err := amr.NewHealthRouter(logger.Named("middleware"), rootRouter, "/api/v1")
+	if err != nil {
+		t.Fatalf("failed to create health router: %v", err)
+	}
+	healthRouter.SetStatus(health.SSRunning)
+
+	rootRouter.Mount("/", apiRouter)
+
+	healthReq := httptest.NewRequestWithContext(context.Background(), http.MethodGet, "/api/v1/health", nil)
+	healthRes := httptest.NewRecorder()
+	rootRouter.ServeHTTP(healthRes, healthReq)
+	if healthRes.Code != http.StatusOK {
+		t.Fatalf("expected health status %d, got %d", http.StatusOK, healthRes.Code)
+	}
+	if got := observed.FilterMessage("Served").Len(); got != 0 {
+		t.Fatalf("expected no trace logs for /health, got %d", got)
+	}
+
+	apiReq := httptest.NewRequestWithContext(context.Background(), http.MethodGet, "/api/v1/accounts", nil)
+	apiRes := httptest.NewRecorder()
+	rootRouter.ServeHTTP(apiRes, apiReq)
+	if apiRes.Code != http.StatusOK {
+		t.Fatalf("expected api status %d, got %d", http.StatusOK, apiRes.Code)
+	}
+
+	entries := observed.FilterMessage("Served").All()
+	if len(entries) != 1 {
+		t.Fatalf("expected one trace log for non-health request, got %d", len(entries))
+	}
+	if got := entries[0].ContextMap()["path"]; got != "/api/v1/accounts" {
+		t.Fatalf("expected logged path %q, got %#v", "/api/v1/accounts", got)
+	}
+}

backend/product/app/metrics/handler.go

@@ -0,0 +1,40 @@
+package metrics
+
+import (
+	"net/http"
+
+	"git.sendico.io/tech/sxchnge/shared/logging"
+	"github.com/go-chi/chi/v5"
+	"github.com/go-chi/metrics"
+	"go.uber.org/zap"
+)
+
+type metricsRouter struct {
+	logger  mlogger.Logger
+	handler http.Handler
+}
+
+func (mr *metricsRouter) Finish() {
+	mr.logger.Debug("Stopped")
+}
+
+func (mr *metricsRouter) handle(w http.ResponseWriter, r *http.Request) {
+	mr.logger.Debug("Serving metrics request...")
+	mr.handler.ServeHTTP(w, r)
+}
+
+func newMetricsRouter(logger mlogger.Logger, router chi.Router, endpoint string) *metricsRouter {
+	mr := metricsRouter{
+		logger:  logger.Named("metrics"),
+		handler: metrics.Handler(),
+	}
+
+	logger.Debug("Installing Prometheus middleware...")
+	router.Group(func(r chi.Router) {
+		ep := endpoint + "/metrics"
+		r.Get(ep, mr.handle)
+		logger.Info("Prometheus handler installed", zap.String("endpoint", ep))
+	})
+
+	return &mr
+}

backend/product/app/metrics/router.go

@@ -0,0 +1,14 @@
+package metrics
+
+import (
+	"git.sendico.io/tech/sxchnge/shared/logging"
+	"github.com/go-chi/chi/v5"
+)
+
+type Metrics interface {
+	Finish()
+}
+
+func NewMetricsRouter(logger mlogger.Logger, router chi.Router, endpoint string) (Metrics, error) {
+	return newMetricsRouter(logger, router, endpoint), nil
+}

backend/product/app/process/factory.go

@@ -0,0 +1,5 @@
+package server
+
+import "git.sendico.io/tech/sxchnge/shared/logging"
+
+type ServerFactoryT = func(logger mlogger.Logger, file string, debug bool) (Application, error)

backend/product/app/process/internal/instance.go

@@ -0,0 +1,40 @@
+package serverimp
+
+import (
+	"git.sendico.io/tech/sxchnge/product/app/process"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+	"go.uber.org/zap"
+)
+
+type Instance struct {
+	srv     server.Application
+	logger  mlogger.Logger
+	file    string
+	debug   bool
+	factory server.ServerFactoryT
+}
+
+func (i *Instance) Start() error {
+	var err error
+	if i.srv, err = i.factory(i.logger, i.file, i.debug); err != nil {
+		i.logger.Warn("Failed to create server instance", zap.Error(err))
+		return err
+	}
+	return i.srv.Start()
+}
+
+func (i *Instance) Shutdown() {
+	if i.srv != nil {
+		i.srv.Shutdown()
+	}
+}
+
+func NewInstance(factory server.ServerFactoryT, logger mlogger.Logger, file string, debug bool) *Instance {
+	return &Instance{
+		srv:     nil,
+		logger:  logger,
+		file:    file,
+		debug:   debug,
+		factory: factory,
+	}
+}

backend/product/app/process/internal/server.go

@@ -0,0 +1,66 @@
+package serverimp
+
+import (
+	"flag"
+	"fmt"
+	"os"
+	"os/signal"
+	"syscall"
+
+	"git.sendico.io/tech/sxchnge/product/app/process"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+	lf "git.sendico.io/tech/sxchnge/shared/logging/factory"
+	"git.sendico.io/tech/sxchnge/shared/version"
+	"github.com/google/uuid"
+	"go.uber.org/zap"
+)
+
+var (
+	configFileFlag = flag.String("config.file", "config.yml", "Path to the configuration file.")
+	versionFlag    = flag.Bool("version", false, "Show version information.")
+	debugFlag      = flag.Bool("debug", false, "Show debug information.")
+)
+
+func prepareLogger() mlogger.Logger {
+	flag.Parse()
+
+	return lf.NewLogger(*debugFlag)
+}
+
+func RunServer(rootLoggerName string, av version.Printer, factory server.ServerFactoryT) error {
+	logger := mlogger.Named(prepareLogger(), rootLoggerName)
+	logger = logger.With(zap.String("instance_id", uuid.NewString()))
+	defer func() {
+		_ = logger.Sync()
+	}()
+
+	// Show version information
+	if *versionFlag {
+		if _, err := fmt.Fprintln(os.Stdout, av.Print()); err != nil {
+			logger.Warn("Failed to print version", zap.Error(err))
+		}
+		return nil
+	}
+
+	// Create server instance
+	instance := NewInstance(factory, logger, *configFileFlag, *debugFlag)
+
+	// Interrupt handler
+	go func() {
+		c := make(chan os.Signal, 1)
+		signal.Notify(c, syscall.SIGINT, syscall.SIGTERM)
+		sig := <-c
+		logger.Info("Received sigint/segterm signal, shutting down", zap.String("signal", sig.String()))
+		instance.Shutdown()
+	}()
+
+	// Start server
+	logger.Info(fmt.Sprintf("Starting %s", av.Program()), zap.String("version", av.Info()))
+	logger.Info("Build context", zap.String("context", av.Context()))
+	if err := instance.Start(); err != nil {
+		logger.Error("Failed to start service", zap.Error(err))
+		return err
+	}
+	logger.Info("Server stopped")
+	return nil
+}

backend/product/app/process/run/run.go

@@ -0,0 +1,11 @@
+package server
+
+import (
+	sd "git.sendico.io/tech/sxchnge/product/app/process"
+	serverimp "git.sendico.io/tech/sxchnge/product/app/process/internal"
+	"git.sendico.io/tech/sxchnge/shared/version"
+)
+
+func RunServer(rootLoggerName string, av version.Printer, factory sd.ServerFactoryT) error {
+	return serverimp.RunServer(rootLoggerName, av, factory)
+}

backend/product/app/process/server.go

@@ -0,0 +1,7 @@
+package server
+
+// Typical service interface
+type Application interface {
+	Shutdown()
+	Start() error
+}

backend/product/app/profile/runtime.go

@@ -0,0 +1,12 @@
+// Package profile selects the product's supported API implementations.
+package profile
+
+import (
+	"git.sendico.io/tech/sxchnge/product/app/api"
+	"git.sendico.io/tech/sxchnge/product/app/api/v1"
+	"git.sendico.io/tech/sxchnge/product/app/runtime"
+)
+
+func Runtime() api.RuntimeConfig {
+	return api.RuntimeConfig{Name: "sxchnge.bff", Bootstrap: runtime.OpenDependencies, Versions: map[string]api.Installer{"v1": v1.Install}}
+}

backend/product/app/runtime/api.go

@@ -0,0 +1,21 @@
+package runtime
+
+import (
+	"context"
+	"sync"
+
+	amr "git.sendico.io/tech/sxchnge/product/app/health"
+	httptransport "git.sendico.io/tech/sxchnge/product/app/http"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+)
+
+type instance struct {
+	logger    mlogger.Logger
+	health    amr.Health
+	mw        *httptransport.Middleware
+	cleanup   func(context.Context) error
+	once      sync.Once
+	finishErr error
+}
+
+func (a *instance) Name() string { return "api" }

backend/product/app/runtime/bootstrap.go

@@ -0,0 +1,85 @@
+package runtime
+
+import (
+	"context"
+	"os"
+
+	"git.sendico.io/tech/sxchnge/product/app/api"
+	amr "git.sendico.io/tech/sxchnge/product/app/health"
+	"git.sendico.io/tech/sxchnge/product/app/health/status"
+	httptransport "git.sendico.io/tech/sxchnge/product/app/http"
+	"git.sendico.io/tech/sxchnge/product/app/urls"
+	"git.sendico.io/tech/sxchnge/product/sessions/browser"
+	"git.sendico.io/tech/sxchnge/shared/database"
+	"git.sendico.io/tech/sxchnge/shared/errors"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+	"git.sendico.io/tech/sxchnge/shared/service"
+	"github.com/go-chi/chi/v5"
+	"go.uber.org/zap"
+)
+
+func CreateAPI(
+	ctx context.Context,
+	logger mlogger.Logger,
+	config *api.Config,
+	db db.Factory,
+	rootRouter, apiRouter *chi.Mux,
+	debug bool,
+	runtime api.RuntimeConfig,
+) (_ mservice.MicroService, result error) {
+	if config == nil || config.Mw == nil {
+		return nil, merrors.InvalidArgument("API middleware configuration is required")
+	}
+	endpoint := os.Getenv(config.Mw.EndPointEnv)
+	mounts, err := resolveMounts(config.Versions, endpoint, runtime.Versions)
+	if err != nil {
+		return nil, err
+	}
+	if runtime.Bootstrap == nil {
+		return nil, merrors.InvalidArgument("runtime bootstrap is required")
+	}
+	// Resolve every URL before opening resources or publishing routes.
+	scopes := make([]api.Scope, len(mounts))
+	for i, mount := range mounts {
+		urls, err := domainprovider.CreateDomainProvider(logger, os.Getenv(config.Mw.DomainEnv), os.Getenv(config.Mw.APIProtocolEnv), mount.Path)
+		if err != nil {
+			return nil, err
+		}
+		scopes[i] = api.Scope{Router: chi.NewRouter(), Mount: mount.Path, URLs: urls, Logger: logger.With(zap.String("api_version", mount.Version), zap.String("mount", mount.Path))}
+		scopes[i].Router.Use(browser.Scope(mount.Path))
+	}
+	a := &instance{logger: logger.Named("api").With(zap.String("runtime", runtime.RuntimeName()))}
+	defer func() {
+		if result != nil {
+			if err := a.Finish(context.Background()); err != nil {
+				a.logger.Warn("Failed startup resource cleanup", zap.Error(err))
+			}
+		}
+	}()
+	a.mw, err = httptransport.CreateMiddleware(logger, apiRouter, config.Mw, endpoint, debug)
+	if err != nil {
+		return nil, err
+	}
+	deps, cleanup, err := runtime.Bootstrap(ctx, a.logger, config, db)
+	a.cleanup = cleanup
+	if err != nil {
+		return nil, err
+	}
+	for i, mount := range mounts {
+		if err := runtime.Versions[mount.Version](scopes[i], deps); err != nil {
+			return nil, merrors.OpaqueWrap(merrors.ErrInternal, err, "API version installation failed: "+mount.Version)
+		}
+	}
+	// Attach only after every installer succeeds.
+	for i, mount := range mounts {
+		apiRouter.Mount(mount.Path, scopes[i].Router)
+		scopes[i].Logger.Info("API version installed")
+	}
+	a.health, err = amr.NewHealthRouter(a.logger, rootRouter, endpoint)
+	if err != nil {
+		return nil, err
+	}
+	a.logger.Info("API installation complete", zap.Int("versions", len(mounts)))
+	a.health.SetStatus(health.SSRunning)
+	return a, nil
+}

backend/product/app/runtime/bootstrap_test.go

@@ -0,0 +1,86 @@
+package runtime_test
+
+import (
+	"context"
+	"encoding/base64"
+	"encoding/json"
+	"net/http"
+	"net/http/httptest"
+	"net/url"
+	"os"
+	"path/filepath"
+	"testing"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/product/app/api"
+	"git.sendico.io/tech/sxchnge/product/app/profile"
+	sharedruntime "git.sendico.io/tech/sxchnge/product/app/runtime"
+	"git.sendico.io/tech/sxchnge/product/providers/sendico"
+	"git.sendico.io/tech/sxchnge/shared/database"
+	sharedmodel "git.sendico.io/tech/sxchnge/shared/model"
+	"github.com/go-chi/chi/v5"
+	"github.com/stretchr/testify/require"
+	"github.com/testcontainers/testcontainers-go/modules/mongodb"
+	"go.uber.org/zap"
+	"gopkg.in/yaml.v3"
+)
+
+func TestProfileStartsOnEmptyDatabase(t *testing.T) {
+	ctx, cancel := context.WithTimeout(context.Background(), time.Minute)
+	defer cancel()
+	container, err := mongodb.Run(ctx, "mongo:latest", mongodb.WithReplicaSet("rs"))
+	require.NoError(t, err)
+	t.Cleanup(func() { require.NoError(t, container.Terminate(context.Background())) })
+	uri, err := container.ConnectionString(ctx)
+	require.NoError(t, err)
+	endpoint, err := url.Parse(uri)
+	require.NoError(t, err)
+	query := endpoint.Query()
+	query.Set("directConnection", "true")
+	endpoint.RawQuery = query.Encode()
+	uri = endpoint.String()
+	factory, err := db.NewConnection(zap.NewNop(), &db.Config{Driver: db.Mongo, Settings: sharedmodel.SettingsT{"uri": uri, "database": "sxchnge_runtime"}})
+	require.NoError(t, err)
+	t.Cleanup(factory.CloseConnection)
+	data, err := os.ReadFile("../../config.example.yml")
+	require.NoError(t, err)
+	var example struct {
+		API api.Config `yaml:"api"`
+	}
+	require.NoError(t, yaml.Unmarshal(data, &example))
+	t.Setenv("SXCHNGE_DOMAIN", "localhost")
+	t.Setenv("SXCHNGE_API_PROTOCOL", "http")
+	t.Setenv("SXCHNGE_API_ENDPOINT", "/api/v1")
+	t.Setenv("SXCHNGE_JWT_SECRET", "test-only-signing-key-at-least-32-bytes")
+	example.API.Notifications.CAFile = "" // This startup test makes no notification RPCs.
+	root, routes := chi.NewRouter(), chi.NewRouter()
+	runtime, err := sharedruntime.CreateAPI(ctx, zap.NewNop(), &example.API, factory, root, routes, false, profile.Runtime())
+	require.NoError(t, err)
+	t.Cleanup(func() { require.NoError(t, runtime.Finish(context.Background())) })
+	root.Mount("/", routes)
+	result := httptest.NewRecorder()
+	root.ServeHTTP(result, httptest.NewRequest(http.MethodGet, "/api/v1/health", nil))
+	require.Equal(t, http.StatusOK, result.Code)
+	// Runtime auth routes are installed even with zero customers and no seed.
+	result = httptest.NewRecorder()
+	root.ServeHTTP(result, httptest.NewRequest(http.MethodPost, "/api/v1/accounts/login", nil))
+	require.Equal(t, http.StatusBadRequest, result.Code)
+	// Enabling the adapter validates credentials, composes once, and does not
+	// register any provider resource until a customer starts sign-up.
+	const source = "507f1f77bcf86cd799439011"
+	claims, err := json.Marshal(map[string]any{"id": source, "exp": time.Now().Add(time.Hour).Unix()})
+	require.NoError(t, err)
+	file := filepath.Join(t.TempDir(), "credential")
+	require.NoError(t, os.WriteFile(file, []byte("header."+base64.RawURLEncoding.EncodeToString(claims)+".signature"), 0600))
+	example.API.Sendico = &sendico.Config{APIURL: "https://api.example/api/v1", OrganizationID: source, SourceID: source, TokenFile: file}
+	dependencies, finish, err := sharedruntime.OpenDependencies(ctx, zap.NewNop(), &example.API, factory)
+	require.NoError(t, err)
+	require.NotNil(t, dependencies.Auth.Facts)
+	require.NoError(t, finish(ctx))
+	example.API.Sendico.TokenFile = ""
+	_, _, err = sharedruntime.OpenDependencies(ctx, zap.NewNop(), &example.API, factory)
+	require.Error(t, err)
+	example.API.Notifications = nil
+	_, _, err = sharedruntime.OpenDependencies(ctx, zap.NewNop(), &example.API, factory)
+	require.Error(t, err)
+}

backend/product/app/runtime/lifecycle.go

@@ -0,0 +1,23 @@
+package runtime
+
+import (
+	"context"
+
+	"git.sendico.io/tech/sxchnge/product/app/health/status"
+)
+
+func (a *instance) Finish(ctx context.Context) error {
+	a.once.Do(func() {
+		if a.health != nil {
+			a.health.SetStatus(health.SSTerminating)
+			a.health.Finish()
+		}
+		if a.cleanup != nil {
+			a.finishErr = a.cleanup(ctx)
+		}
+		if a.mw != nil {
+			a.mw.Finish()
+		}
+	})
+	return a.finishErr
+}

backend/product/app/runtime/mounts.go

@@ -0,0 +1,58 @@
+package runtime
+
+import (
+	"path"
+	"strings"
+
+	"git.sendico.io/tech/sxchnge/product/app/api"
+	"git.sendico.io/tech/sxchnge/shared/errors"
+)
+
+func validMount(value string) bool {
+	if value == "" || value == "/" || !strings.HasPrefix(value, "/") || path.Clean(value) != value {
+		return false
+	}
+	for _, c := range value {
+		if c >= 'a' && c <= 'z' || c >= 'A' && c <= 'Z' || c >= '0' && c <= '9' || strings.ContainsRune("/-._~", c) {
+			continue
+		}
+		return false
+	}
+	return true
+}
+func overlaps(a, b string) bool {
+	return a == b || strings.HasPrefix(a, b+"/") || strings.HasPrefix(b, a+"/")
+}
+
+func resolveMounts(configured []api.Mount, endpoint string, supported map[string]api.Installer) ([]api.Mount, error) {
+	if !validMount(endpoint) {
+		return nil, merrors.InvalidArgument("a canonical absolute API endpoint is required", "api_endpoint")
+	}
+	if configured == nil {
+		configured = []api.Mount{{Version: "v1", Path: endpoint}}
+	}
+	seen := map[string]bool{}
+	for i, mount := range configured {
+		if supported[mount.Version] == nil {
+			return nil, merrors.InvalidArgument("unknown or unavailable API version: "+mount.Version, "api.versions")
+		}
+		if seen[mount.Version] {
+			return nil, merrors.InvalidArgument("duplicate API version: "+mount.Version, "api.versions")
+		}
+		seen[mount.Version] = true
+		if !validMount(mount.Path) {
+			return nil, merrors.InvalidArgument("invalid API mount: "+mount.Path, "api.versions")
+		}
+		for _, reserved := range []string{"/metrics", endpoint + "/metrics", endpoint + "/health"} {
+			if mount.Path == reserved || strings.HasPrefix(mount.Path, reserved+"/") {
+				return nil, merrors.InvalidArgument("API mount conflicts with operational endpoint", "api.versions")
+			}
+		}
+		for _, previous := range configured[:i] {
+			if overlaps(mount.Path, previous.Path) {
+				return nil, merrors.InvalidArgument("overlapping API mounts", "api.versions")
+			}
+		}
+	}
+	return configured, nil
+}

backend/product/app/runtime/mounts_test.go

@@ -0,0 +1,190 @@
+package runtime
+
+import (
+	"context"
+	"errors"
+	"net/http"
+	"net/http/httptest"
+	"os"
+	"sync"
+	"testing"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/product/app/api"
+	"git.sendico.io/tech/sxchnge/product/sessions/browser"
+	"git.sendico.io/tech/sxchnge/shared/database"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+	"github.com/go-chi/chi/v5"
+	"github.com/stretchr/testify/require"
+	"go.uber.org/zap"
+	"gopkg.in/yaml.v3"
+)
+
+func testConfig(t *testing.T) *api.Config {
+	t.Helper()
+	data, err := os.ReadFile("../../config.example.yml")
+	require.NoError(t, err)
+	var raw struct {
+		API api.Config `yaml:"api"`
+	}
+	require.NoError(t, yaml.Unmarshal(data, &raw))
+	t.Setenv(raw.API.Mw.EndPointEnv, "/api/v1")
+	t.Setenv(raw.API.Mw.DomainEnv, "example.test")
+	t.Setenv(raw.API.Mw.APIProtocolEnv, "https")
+	return &raw.API
+}
+
+func TestInstalledVersionsShareDependenciesAndKeepScopes(t *testing.T) {
+	config := testConfig(t)
+	config.Versions = []api.Mount{{Version: "v1", Path: "/api/v1"}, {Version: "v2", Path: "/gateway/v2"}}
+	initialized, closed := 0, 0
+	deps := &api.Dependencies{}
+	installer := func(version string) api.Installer {
+		return func(scope api.Scope, got *api.Dependencies) error {
+			require.Same(t, deps, got)
+			link, err := scope.URLs.GetAPILink("accounts")
+			require.NoError(t, err)
+			require.Equal(t, "https://example.test"+scope.Mount+"/accounts", link)
+			scope.Router.Get("/contract", func(w http.ResponseWriter, _ *http.Request) { _, _ = w.Write([]byte(version)) })
+			scope.Router.Post("/accounts/session", func(w http.ResponseWriter, r *http.Request) {
+				browser.SetRefreshCookie(w, r, "credential", time.Now().Add(time.Hour))
+			})
+			scope.Router.Delete("/accounts/session", browser.ClearRefreshCookie)
+			return nil
+		}
+	}
+	runtime := api.RuntimeConfig{Versions: map[string]api.Installer{"v1": installer("old"), "v2": installer("new"), "v3": installer("disabled")}, Bootstrap: func(context.Context, mlogger.Logger, *api.Config, db.Factory) (*api.Dependencies, func(context.Context) error, error) {
+		initialized++
+		return deps, func(context.Context) error { closed++; return nil }, nil
+	}}
+	root, routes := chi.NewRouter(), chi.NewRouter()
+	srv, err := CreateAPI(context.Background(), zap.NewNop(), config, nil, root, routes, false, runtime)
+	require.NoError(t, err)
+	root.Mount("/", routes)
+	for target, expected := range map[string]string{"/api/v1/contract": "old", "/gateway/v2/contract": "new"} {
+		result := httptest.NewRecorder()
+		root.ServeHTTP(result, httptest.NewRequest(http.MethodGet, target, nil))
+		require.Equal(t, http.StatusOK, result.Code)
+		require.Equal(t, expected, result.Body.String())
+	}
+	t.Setenv("API_ENDPOINT", "/wrong/global")
+	for _, mount := range config.Versions {
+		for _, method := range []string{http.MethodPost, http.MethodDelete} {
+			result := httptest.NewRecorder()
+			request := httptest.NewRequest(method, mount.Path+"/accounts/session", nil)
+			request.Header.Set(browser.TransportHeader, browser.TransportCookie)
+			request.Header.Set(browser.CSRFHeader, browser.CSRFValue)
+			request.Header.Set("Origin", config.Mw.CORS.AllowedOrigins[0])
+			root.ServeHTTP(result, request)
+			require.Equal(t, http.StatusOK, result.Code)
+			cookies := result.Result().Cookies()
+			require.Len(t, cookies, 1)
+			require.Equal(t, mount.Path+"/accounts", cookies[0].Path)
+			if method == http.MethodDelete {
+				require.Equal(t, -1, cookies[0].MaxAge)
+			}
+		}
+	}
+	result := httptest.NewRecorder()
+	root.ServeHTTP(result, httptest.NewRequest(http.MethodGet, "/api/v3/contract", nil))
+	require.Equal(t, 404, result.Code)
+	require.Equal(t, 1, initialized)
+	var wg sync.WaitGroup
+	results := make(chan error, 3)
+	for range 3 {
+		wg.Go(func() { results <- srv.Finish(context.Background()) })
+	}
+	wg.Wait()
+	close(results)
+	for err := range results {
+		require.NoError(t, err)
+	}
+	require.Equal(t, 1, closed)
+}
+
+func TestInvalidMountsFailBeforeBootstrap(t *testing.T) {
+	for name, mounts := range map[string][]api.Mount{
+		"unknown": {{Version: "v9", Path: "/api/v9"}}, "duplicate": {{Version: "v1", Path: "/api/v1"}, {Version: "v1", Path: "/other"}},
+		"same path":        {{Version: "v1", Path: "/api/v1"}, {Version: "v2", Path: "/api/v1"}},
+		"nested":           {{Version: "v1", Path: "/api"}, {Version: "v2", Path: "/api/v2"}},
+		"cookie delimiter": {{Version: "v1", Path: "/api;v1"}},
+		"control":          {{Version: "v1", Path: "/api/\x01"}},
+		"relative":         {{Version: "v1", Path: "api/v1"}}, "wildcard": {{Version: "v1", Path: "/api/*"}},
+		"unclean": {{Version: "v1", Path: "/api/../v1"}}, "metrics": {{Version: "v1", Path: "/metrics"}},
+		"health": {{Version: "v1", Path: "/api/v1/health"}}, "root": {{Version: "v1", Path: "/"}},
+	} {
+		t.Run(name, func(t *testing.T) {
+			config := testConfig(t)
+			config.Versions = mounts
+			install := func(api.Scope, *api.Dependencies) error { t.Fatal("installer must not run"); return nil }
+			_, err := CreateAPI(context.Background(), zap.NewNop(), config, nil, chi.NewRouter(), chi.NewRouter(), false, api.RuntimeConfig{Versions: map[string]api.Installer{"v1": install, "v2": install}, Bootstrap: func(context.Context, mlogger.Logger, *api.Config, db.Factory) (*api.Dependencies, func(context.Context) error, error) {
+				t.Fatal("bootstrap must not run")
+				return nil, nil, nil
+			}})
+			require.ErrorIs(t, err, merrors.ErrInvalidArg)
+		})
+	}
+}
+
+func TestInstallFailureCleansResourcesWithoutPublishingRoutes(t *testing.T) {
+	config := testConfig(t)
+	config.Versions = []api.Mount{{Version: "v1", Path: "/api/v1"}, {Version: "v2", Path: "/api/v2"}}
+	closed := 0
+	cause := merrors.InvalidArgument("test installation failure")
+	routes := chi.NewRouter()
+	_, err := CreateAPI(context.Background(), zap.NewNop(), config, nil, chi.NewRouter(), routes, false, api.RuntimeConfig{
+		Bootstrap: func(context.Context, mlogger.Logger, *api.Config, db.Factory) (*api.Dependencies, func(context.Context) error, error) {
+			return &api.Dependencies{}, func(context.Context) error { closed++; return nil }, nil
+		},
+		Versions: map[string]api.Installer{
+			"v1": func(scope api.Scope, _ *api.Dependencies) error {
+				scope.Router.Get("/ready", func(w http.ResponseWriter, _ *http.Request) { w.WriteHeader(200) })
+				return nil
+			},
+			"v2": func(api.Scope, *api.Dependencies) error { return cause },
+		}})
+	require.True(t, errors.Is(err, cause))
+	require.Equal(t, 1, closed)
+	result := httptest.NewRecorder()
+	routes.ServeHTTP(result, httptest.NewRequest(http.MethodGet, "/api/v1/ready", nil))
+	require.Equal(t, 404, result.Code)
+}
+
+func TestExplicitEmptyVersionsInstallNoAPI(t *testing.T) {
+	config := testConfig(t)
+	config.Versions = []api.Mount{}
+	root, routes := chi.NewRouter(), chi.NewRouter()
+	srv, err := CreateAPI(context.Background(), zap.NewNop(), config, nil, root, routes, false, api.RuntimeConfig{Bootstrap: func(context.Context, mlogger.Logger, *api.Config, db.Factory) (*api.Dependencies, func(context.Context) error, error) {
+		return &api.Dependencies{}, nil, nil
+	}})
+	require.NoError(t, err)
+	defer srv.Finish(context.Background())
+	root.Mount("/", routes)
+	for target, status := range map[string]int{"/api/v1/accounts/login": 404, "/api/v1/health": 200, "/metrics": 200, "/api/v1/metrics": 200} {
+		result := httptest.NewRecorder()
+		root.ServeHTTP(result, httptest.NewRequest(http.MethodGet, target, nil))
+		require.Equal(t, status, result.Code, target)
+	}
+}
+
+func TestBootstrapFailureClosesReturnedResources(t *testing.T) {
+	config := testConfig(t)
+	config.Versions = []api.Mount{}
+	closed := 0
+	cause := merrors.Internal("bootstrap failure")
+	_, err := CreateAPI(context.Background(), zap.NewNop(), config, nil, chi.NewRouter(), chi.NewRouter(), false, api.RuntimeConfig{Bootstrap: func(context.Context, mlogger.Logger, *api.Config, db.Factory) (*api.Dependencies, func(context.Context) error, error) {
+		return nil, func(context.Context) error { closed++; return nil }, cause
+	}})
+	require.ErrorIs(t, err, cause)
+	require.Equal(t, 1, closed)
+}
+
+func TestFinishPreservesCleanupErrorAndRunsOnce(t *testing.T) {
+	cause := merrors.Internal("cleanup failure")
+	closed := 0
+	srv := &instance{logger: zap.NewNop(), cleanup: func(context.Context) error { closed++; return cause }}
+	require.ErrorIs(t, srv.Finish(context.Background()), cause)
+	require.ErrorIs(t, srv.Finish(context.Background()), cause)
+	require.Equal(t, 1, closed)
+}

backend/product/app/runtime/services.go

@@ -0,0 +1,97 @@
+package runtime
+
+import (
+	"context"
+
+	"git.sendico.io/tech/sxchnge/product/app/api"
+	"git.sendico.io/tech/sxchnge/product/auth/config"
+	"git.sendico.io/tech/sxchnge/product/auth/flow"
+	"git.sendico.io/tech/sxchnge/product/auth/storage"
+	"git.sendico.io/tech/sxchnge/product/customers"
+	"git.sendico.io/tech/sxchnge/product/identity"
+	"git.sendico.io/tech/sxchnge/product/notifications"
+	"git.sendico.io/tech/sxchnge/product/payments"
+	"git.sendico.io/tech/sxchnge/product/providers/sendico"
+	"git.sendico.io/tech/sxchnge/product/twofactor"
+	"git.sendico.io/tech/sxchnge/product/twofactor/delivery"
+	factorstore "git.sendico.io/tech/sxchnge/product/twofactor/store"
+	"git.sendico.io/tech/sxchnge/shared/database"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+	"go.uber.org/zap"
+)
+
+func OpenDependencies(_ context.Context, logger mlogger.Logger, config *api.Config, db db.Factory) (_ *api.Dependencies, _ func(context.Context) error, result error) {
+	limits, err := config.Mw.ResolveLoginRateLimits()
+	if err != nil {
+		return nil, nil, err
+	}
+	stores, err := storage.OpenStores(logger, db, config.AuthStorage)
+	if err != nil {
+		return nil, nil, err
+	}
+	customers, err := accountservice.FromStores(logger, &config.Mw.Password, stores, db.TransactionFactory())
+	if err != nil {
+		return nil, nil, err
+	}
+	deps := &api.Dependencies{Stores: stores, Customers: customers, Token: config.Mw.Token, Signature: middleware.SignatureConf(config.Mw), LoginLimits: limits}
+	var client *notifications.Client
+	cleanup := func(context.Context) error {
+		if client != nil {
+			return client.Close()
+		}
+		return nil
+	}
+	defer func() {
+		if result != nil {
+			if err := cleanup(context.Background()); err != nil {
+				logger.Warn("Partial bootstrap cleanup failed", zap.Error(err))
+			}
+		}
+	}()
+	if c := config.Notifications; c != nil {
+		deps.Auth = &flow.Service{Accounts: stores.Accounts, Customers: customers, Tokens: stores.Verification, Transactions: db.TransactionFactory(), Attempts: stores.LoginAttempts, Secret: deps.Signature.PrivateKey, ActivationURL: c.ActivationURL}
+		if err := deps.Auth.Validate(); err != nil {
+			return nil, nil, err
+		}
+		client, err = notifications.Open(*c)
+		if err != nil {
+			return nil, nil, err
+		}
+		deps.Auth.Sender = client
+		if config.Sendico != nil {
+			provider, err := sendico.Open(*config.Sendico)
+			if err != nil {
+				return nil, nil, err
+			}
+			bindings, err := identity.OpenStore(db)
+			if err != nil {
+				return nil, nil, err
+			}
+			deps.Identity = &identity.Service{Store: bindings, Provider: provider, Logger: logger.Named("identity")}
+			deps.Auth.Facts = deps.Identity
+			paymentStore, err := payments.OpenStore(db)
+			if err != nil {
+				return nil, nil, err
+			}
+			deps.Payments = &payments.Service{Store: paymentStore, Provider: provider, Identity: deps.Identity, Logger: logger.Named("payments")}
+			logger.Info("Sendico sign-up facts integration enabled")
+		}
+		records, err := factorstore.Open(logger, db)
+		if err != nil {
+			return nil, nil, err
+		}
+		deps.Factors, err = twofactor.New(stores.Accounts, stores.Verification, records, db.TransactionFactory(), deps.Signature.PrivateKey, logger, delivery.Email{Sender: client})
+		if err != nil {
+			return nil, nil, err
+		}
+	}
+	if deps.Payments != nil {
+		deps.Payments.Factors = deps.Factors
+	}
+	if config.Sendico != nil && deps.Auth == nil {
+		return nil, nil, merrors.InvalidArgument("Sendico sign-up facts require notifications configuration")
+	}
+	logger.Info("Product dependencies initialized")
+	return deps, cleanup, nil
+}

backend/product/app/server/internal/config_test.go

@@ -0,0 +1,66 @@
+package server
+
+import (
+	"errors"
+	"git.sendico.io/tech/sxchnge/product/app/api"
+	"git.sendico.io/tech/sxchnge/shared/errors"
+	"os"
+	"strings"
+	"testing"
+)
+
+func TestIncompleteConfigReturnsProjectError(t *testing.T) {
+	for _, data := range []string{"api: {}", "api: {middleware: {}}\ndatabase: {driver: mongodb}", "api: {middleware: {}}\ndatabase: {driver: mongodb}\nhttp_server: {}"} {
+		instance := &Imp{runtime: api.RuntimeConfig{}}
+		if err := instance.decodeConfig([]byte(data)); !errors.Is(err, merrors.ErrInvalidArg) {
+			t.Fatalf("expected configuration error, got %v", err)
+		}
+	}
+}
+func TestExampleConfigMatchesCopiedRuntime(t *testing.T) {
+	data, err := os.ReadFile("../../../config.example.yml")
+	if err != nil {
+		t.Fatal(err)
+	}
+	instance := &Imp{runtime: api.RuntimeConfig{}}
+	if err := instance.decodeConfig(data); err != nil {
+		t.Fatal(err)
+	}
+	if err := instance.config.API.SharedConfig().Mw.Token.Validate(); err != nil {
+		t.Fatal(err)
+	}
+	if err := instance.config.API.SharedConfig().Mw.CORS.Validate(); err != nil {
+		t.Fatal(err)
+	}
+}
+
+func TestVersionSelectionPreservesOmittedAndEmptyLists(t *testing.T) {
+	data, err := os.ReadFile("../../../config.example.yml")
+	if err != nil {
+		t.Fatal(err)
+	}
+	for _, tc := range []struct {
+		name, setting string
+		wantNil       bool
+		wantLength    int
+	}{
+		{name: "omitted", wantNil: true},
+		{name: "disabled", setting: "  versions: []\n"},
+		{name: "explicit", setting: "  versions: [{version: v1, path: /gateway/v1}]\n", wantLength: 1},
+	} {
+		t.Run(tc.name, func(t *testing.T) {
+			instance := &Imp{runtime: api.RuntimeConfig{}}
+			configured := strings.Replace(string(data), "api:\n", "api:\n"+tc.setting, 1)
+			if err := instance.decodeConfig([]byte(configured)); err != nil {
+				t.Fatal(err)
+			}
+			versions := instance.config.API.SharedConfig().Versions
+			if (versions == nil) != tc.wantNil || len(versions) != tc.wantLength {
+				t.Fatalf("unexpected versions: %#v", versions)
+			}
+			if tc.wantLength == 1 && (versions[0].Version != "v1" || versions[0].Path != "/gateway/v1") {
+				t.Fatalf("lost version configuration: %#v", versions)
+			}
+		})
+	}
+}

backend/product/app/server/internal/server.go

@@ -0,0 +1,177 @@
+package server
+
+import (
+	"context"
+	"errors"
+	"net/http"
+	"os"
+	"time"
+
+	ac "git.sendico.io/tech/sxchnge/product/app/api"
+	sharedruntime "git.sendico.io/tech/sxchnge/product/app/runtime"
+	"git.sendico.io/tech/sxchnge/shared/database"
+	mduration "git.sendico.io/tech/sxchnge/shared/duration"
+	"git.sendico.io/tech/sxchnge/shared/errors"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+	"git.sendico.io/tech/sxchnge/shared/service"
+	"github.com/go-chi/chi/v5"
+	"go.uber.org/zap"
+	"gopkg.in/yaml.v3"
+)
+
+type httpServerConf struct {
+	ListenAddress     string `yaml:"listen_address"`
+	ReadHeaderTimeout int    `yaml:"read_header_timeout"`
+	ShutdownTimeout   int    `yaml:"shutdown_timeout"`
+}
+
+// Config represents the server configuration
+type Config struct {
+	API        ac.ConfigProvider
+	DB         *db.Config      `yaml:"database"`
+	HTTPServer *httpServerConf `yaml:"http_server"`
+}
+
+// Instance represents an instance of the server
+type Imp struct {
+	lifecycleCtx    context.Context
+	lifecycleCancel context.CancelFunc
+	logger          mlogger.Logger
+	api             mservice.MicroService
+	config          *Config
+	db              db.Factory
+	httpServer      *http.Server
+	runtime         ac.RuntimeConfig
+	debug           bool
+	file            string
+}
+
+// Shutdown stops the server
+func (i *Imp) Shutdown() {
+	if i.lifecycleCancel != nil {
+		i.lifecycleCancel()
+	}
+	if i.httpServer == nil {
+		return
+	}
+
+	// Shutdown HTTP server
+	ctx, cancel := context.WithTimeout(context.Background(), mduration.Param2Duration(i.config.HTTPServer.ShutdownTimeout, time.Second))
+	i.logger.Info("Shutting HTTP server down...")
+	if err := i.httpServer.Shutdown(ctx); err != nil {
+		if !errors.Is(err, http.ErrServerClosed) {
+			i.logger.Warn("Failed to shutdown HTTP server gracefully", zap.Error(err))
+			cancel()
+			os.Exit(1)
+		}
+	}
+	cancel()
+}
+
+func (i *Imp) Run() error {
+	err := i.httpServer.ListenAndServe()
+	if errors.Is(err, http.ErrServerClosed) {
+		err = nil
+	}
+	i.logger.Info("HTTP Server stopped")
+
+	if err := i.api.Finish(context.Background()); err != nil {
+		i.logger.Warn("Error when finishing service", zap.Error(err))
+	}
+
+	i.db.CloseConnection()
+
+	if err != nil {
+		return merrors.OpaqueWrap(merrors.ErrInternal, err, "HTTP server stopped unexpectedly")
+	}
+	return nil
+}
+
+// Start starts the server
+func (i *Imp) Start() error {
+	if i.lifecycleCancel != nil {
+		defer i.lifecycleCancel()
+	}
+	i.logger.Info("Starting...", zap.String("config_file", i.file), zap.Bool("debug_mode", i.debug))
+	// Load configuration file
+	data, err := os.ReadFile(i.file)
+	if err != nil {
+		i.logger.Error("Could not load configuration", zap.Error(err), zap.String("config_file", i.file))
+		return err
+	}
+
+	if err = i.decodeConfig(data); err != nil {
+		i.logger.Error("Failed to parse configuration", zap.Error(err))
+		return err
+	}
+
+	if i.db, err = db.NewConnection(i.logger, i.config.DB); err != nil {
+		i.logger.Error("Could not open database connection", zap.Error(err))
+		return err
+	}
+
+	rootRouter := chi.NewRouter()
+	apiRouter := chi.NewRouter()
+	if i.api, err = sharedruntime.CreateAPI(i.lifecycleCtx, i.logger, i.config.API.SharedConfig(), i.db, rootRouter, apiRouter, i.debug, i.runtime); err != nil {
+		i.db.CloseConnection()
+		return err
+	}
+	rootRouter.Mount("/", apiRouter)
+
+	// Startup the HTTP Server in a way that we can gracefully shut it down again
+	i.httpServer = &http.Server{
+		Addr:              i.config.HTTPServer.ListenAddress,
+		Handler:           rootRouter,
+		ReadHeaderTimeout: mduration.Param2Duration(i.config.HTTPServer.ReadHeaderTimeout, time.Second),
+	}
+
+	return i.Run()
+}
+
+func (i *Imp) decodeConfig(data []byte) error {
+	var raw struct {
+		API        yaml.Node       `yaml:"api"`
+		DB         *db.Config      `yaml:"database"`
+		HTTPServer *httpServerConf `yaml:"http_server"`
+	}
+	if err := yaml.Unmarshal(data, &raw); err != nil {
+		return err
+	}
+
+	apiConfig := i.runtime.NewConfig()
+	if apiConfig == nil {
+		return merrors.Internal("runtime config factory returned nil api config")
+	}
+	if raw.API.Kind == 0 {
+		return merrors.InvalidArgument("api configuration is required", "api")
+	}
+	if err := raw.API.Decode(apiConfig); err != nil {
+		return err
+	}
+
+	if raw.DB == nil || raw.HTTPServer == nil || apiConfig.SharedConfig() == nil || apiConfig.SharedConfig().Mw == nil {
+		return merrors.InvalidArgument("database, http_server and api.middleware configuration are required")
+	}
+	if raw.HTTPServer.ListenAddress == "" || raw.HTTPServer.ReadHeaderTimeout <= 0 || raw.HTTPServer.ShutdownTimeout <= 0 {
+		return merrors.InvalidArgument("HTTP address and positive timeouts are required")
+	}
+	i.config = &Config{
+		API:        apiConfig,
+		DB:         raw.DB,
+		HTTPServer: raw.HTTPServer,
+	}
+	return nil
+}
+
+func Create(logger mlogger.Logger, file string, debug bool, runtime ac.RuntimeConfig) (*Imp, error) {
+	lifecycleCtx, lifecycleCancel := context.WithCancel(context.Background())
+	srv := &Imp{
+		lifecycleCtx:    lifecycleCtx,
+		lifecycleCancel: lifecycleCancel,
+		logger:          logger,
+		debug:           debug,
+		file:            file,
+		runtime:         runtime,
+	}
+	return srv, nil
+}

backend/product/app/server/internal/server_test.go

@@ -0,0 +1,22 @@
+package server
+
+import (
+	"context"
+	"errors"
+	"testing"
+
+	"git.sendico.io/tech/sxchnge/product/app/api"
+	"go.uber.org/zap"
+)
+
+func TestShutdownCancelsLifecycleContextBeforeStartupCompletes(t *testing.T) {
+	instance, err := Create(zap.NewNop(), "config.yml", false, api.RuntimeConfig{})
+	if err != nil {
+		t.Fatalf("Create() error = %v", err)
+	}
+
+	instance.Shutdown()
+	if !errors.Is(instance.lifecycleCtx.Err(), context.Canceled) {
+		t.Fatalf("lifecycle context error = %v, want context.Canceled", instance.lifecycleCtx.Err())
+	}
+}

backend/product/app/server/server.go

@@ -0,0 +1,12 @@
+package server
+
+import (
+	edgeapi "git.sendico.io/tech/sxchnge/product/app/api"
+	"git.sendico.io/tech/sxchnge/product/app/process"
+	internalserver "git.sendico.io/tech/sxchnge/product/app/server/internal"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+)
+
+func Create(logger mlogger.Logger, file string, debug bool, runtime edgeapi.RuntimeConfig) (server.Application, error) {
+	return internalserver.Create(logger, file, debug, runtime)
+}

backend/product/app/urls/domain_provider.go

@@ -0,0 +1,16 @@
+package domainprovider
+
+import (
+	dimp "git.sendico.io/tech/sxchnge/product/app/urls/internal"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+)
+
+type DomainProvider interface {
+	GetFullLink(linkElem ...string) (string, error)
+	GetAPILink(linkElem ...string) (string, error)
+}
+
+// CreateDomainProvider accepts a resolved host, protocol and installation mount.
+func CreateDomainProvider(logger mlogger.Logger, domain, protocol, apiEndpoint string) (DomainProvider, error) {
+	return dimp.CreateDomainProviderImp(logger, domain, protocol, apiEndpoint)
+}

backend/product/app/urls/internal/domain_provider.go

@@ -0,0 +1,43 @@
+package domainproviderimp
+
+import (
+	"net/url"
+
+	"git.sendico.io/tech/sxchnge/shared/errors"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+	"go.uber.org/zap"
+)
+
+type DomainProviderImp struct {
+	domain      string
+	apiEndpoint string
+}
+
+func (dp *DomainProviderImp) GetFullLink(linkElem ...string) (string, error) {
+	return url.JoinPath(dp.domain, linkElem...)
+}
+
+func (dp *DomainProviderImp) GetAPILink(linkElem ...string) (string, error) {
+	return url.JoinPath(dp.apiEndpoint, linkElem...)
+}
+
+func CreateDomainProviderImp(logger mlogger.Logger, domain, protocol, apiPath string) (*DomainProviderImp, error) {
+	if protocol != "http" && protocol != "https" {
+		return nil, merrors.InvalidArgument("API protocol must be http or https")
+	}
+	parsed, err := url.Parse(protocol + "://" + domain)
+	if err != nil {
+		return nil, merrors.OpaqueWrap(merrors.ErrInvalidArg, err, "invalid API origin")
+	}
+	if parsed.Hostname() == "" || parsed.Host != domain || parsed.User != nil || parsed.Path != "" || parsed.RawQuery != "" || parsed.Fragment != "" {
+		return nil, merrors.InvalidArgument("API domain must be a host with optional port")
+	}
+	p := new(DomainProviderImp)
+	p.domain = protocol + "://" + domain
+	if p.apiEndpoint, err = url.JoinPath(p.domain, apiPath); err != nil {
+		logger.Error("Failed to create domain provider", zap.String("domain", p.domain), zap.String("api_path", apiPath))
+		return nil, err
+	}
+	logger.Named("domain_provider").Info("Domain name provider is up", zap.String("domain", p.domain))
+	return p, nil
+}

backend/product/app/urls/internal/domain_provider_test.go

@@ -0,0 +1,27 @@
+package domainproviderimp
+
+import (
+	"testing"
+
+	"github.com/stretchr/testify/require"
+	"go.uber.org/zap"
+)
+
+func TestExplicitOriginAndMount(t *testing.T) {
+	provider, err := CreateDomainProviderImp(zap.NewNop(), "localhost:8082", "https", "/gateway/v2")
+	require.NoError(t, err)
+	link, err := provider.GetAPILink("accounts", "me")
+	require.NoError(t, err)
+	require.Equal(t, "https://localhost:8082/gateway/v2/accounts/me", link)
+	link, err = provider.GetFullLink("signup")
+	require.NoError(t, err)
+	require.Equal(t, "https://localhost:8082/signup", link)
+}
+func TestInvalidOrigin(t *testing.T) {
+	for _, domain := range []string{"", "host/path", "user@host", "host?query", "host?", "host#", "host#fragment", "bad host"} {
+		_, err := CreateDomainProviderImp(zap.NewNop(), domain, "https", "/v1")
+		require.Error(t, err, domain)
+	}
+	_, err := CreateDomainProviderImp(zap.NewNop(), "host", "ftp", "/v1")
+	require.Error(t, err)
+}

backend/product/app/version/version.go

@@ -0,0 +1,27 @@
+package appversion
+
+import (
+	"git.sendico.io/tech/sxchnge/shared/version"
+	vf "git.sendico.io/tech/sxchnge/shared/version/factory"
+)
+
+// Build information. Populated at build-time.
+var (
+	Version   string
+	Revision  string
+	Branch    string
+	BuildUser string
+	BuildDate string
+)
+
+func Create() version.Printer {
+	vi := version.Info{
+		Program:   "SXCHNGE BFF",
+		Revision:  Revision,
+		Branch:    Branch,
+		BuildUser: BuildUser,
+		BuildDate: BuildDate,
+		Version:   Version,
+	}
+	return vf.Create(&vi)
+}

backend/product/architecture/boundary_test.go

@@ -0,0 +1,45 @@
+package architecture
+
+import (
+	"go/parser"
+	"go/token"
+	"io/fs"
+	"path/filepath"
+	"strconv"
+	"strings"
+	"testing"
+)
+
+// SXCHNGE-owned gRPC and NATS are allowed. Provider access is HTTP only. Local Mongo repositories belong to SXCHNGE.
+func TestNoSendicoRuntimeOrPrivateTransportImports(t *testing.T) {
+	err := filepath.WalkDir("../..", func(path string, d fs.DirEntry, err error) error {
+		if err != nil {
+			return err
+		}
+		if d.IsDir() || filepath.Ext(path) != ".go" {
+			return nil
+		}
+		f, err := parser.ParseFile(token.NewFileSet(), path, nil, parser.ImportsOnly)
+		if err != nil {
+			return err
+		}
+		for _, im := range f.Imports {
+			name, err := strconv.Unquote(im.Path.Value)
+			if err != nil {
+				return err
+			}
+			if strings.HasPrefix(filepath.ToSlash(path), "../../shared/") && strings.HasPrefix(name, "git.sendico.io/tech/sxchnge/") && !strings.HasPrefix(name, "git.sendico.io/tech/sxchnge/shared/") {
+				t.Errorf("shared library imports an executable module: %s in %s", name, path)
+			}
+			for _, blocked := range []string{"github.com/tech/sendico/", "/pkg/discovery", "/pkg/proto/", "github.com/casbin/", "/pkg/auth", "/storage/organization", "/mongo/policiesdb", "/mongo/rolesdb", "/mongo/invitationdb"} {
+				if strings.Contains(name, blocked) {
+					t.Errorf("%s imports private provider transport or shared runtime: %s", path, name)
+				}
+			}
+		}
+		return nil
+	})
+	if err != nil {
+		t.Fatal(err)
+	}
+}

backend/product/architecture/customer_test.go

@@ -0,0 +1,47 @@
+package architecture
+
+import (
+	"go/ast"
+	"go/parser"
+	"go/token"
+	"io/fs"
+	"path/filepath"
+	"strings"
+	"testing"
+)
+
+func TestLocalCustomerModelHasNoPlatformTenancy(t *testing.T) {
+	// Local customer models and storage must stay free of provider tenancy.
+	forbidden := map[string]bool{"organization": true, "organizationref": true, "orgref": true, "orgdb": true, "role": true, "roles": true, "roledescription": true, "rolemanager": true, "policy": true, "policies": true, "policydescription": true, "policydb": true, "permissionbound": true, "signup_provisioning": true}
+	err := filepath.WalkDir("../..", func(path string, entry fs.DirEntry, err error) error {
+		if err != nil {
+			return err
+		}
+		if entry.IsDir() || filepath.Ext(path) != ".go" || strings.HasSuffix(path, "_test.go") {
+			return nil
+		}
+		parsed, err := parser.ParseFile(token.NewFileSet(), path, nil, 0)
+		if err != nil {
+			return err
+		}
+		ast.Inspect(parsed, func(node ast.Node) bool {
+			var names []*ast.Ident
+			switch n := node.(type) {
+			case *ast.TypeSpec:
+				names = []*ast.Ident{n.Name}
+			case *ast.Field:
+				names = n.Names
+			}
+			for _, name := range names {
+				if forbidden[strings.ToLower(name.Name)] {
+					t.Errorf("%s reintroduces local platform tenancy: %s", path, name.Name)
+				}
+			}
+			return true
+		})
+		return nil
+	})
+	if err != nil {
+		t.Fatal(err)
+	}
+}

backend/product/architecture/errors_test.go

@@ -0,0 +1,69 @@
+package architecture
+
+import (
+	"go/ast"
+	"go/parser"
+	"go/token"
+	"io/fs"
+	"path/filepath"
+	"strconv"
+	"testing"
+)
+
+// Keep the backend error-model guideline executable, including aliased imports.
+func TestErrorConstructorsUseProjectModel(t *testing.T) {
+	root := filepath.Join("..", "..")
+	err := filepath.WalkDir(root, func(path string, d fs.DirEntry, err error) error {
+		if err != nil {
+			return err
+		}
+		if d.IsDir() || filepath.Ext(path) != ".go" {
+			return nil
+		}
+		fset := token.NewFileSet()
+		file, err := parser.ParseFile(fset, path, nil, 0)
+		if err != nil {
+			return err
+		}
+		imports := map[string]string{}
+		for _, imp := range file.Imports {
+			pkg, err := strconv.Unquote(imp.Path.Value)
+			if err != nil {
+				return err
+			}
+			if pkg != "errors" && pkg != "fmt" {
+				continue
+			}
+			alias := pkg
+			if imp.Name != nil {
+				alias = imp.Name.Name
+			}
+			if alias == "." {
+				t.Errorf("%s: dot import obscures error constructors", path)
+			}
+			imports[alias] = pkg
+		}
+		ast.Inspect(file, func(n ast.Node) bool {
+			call, ok := n.(*ast.CallExpr)
+			if !ok {
+				return true
+			}
+			sel, ok := call.Fun.(*ast.SelectorExpr)
+			if !ok {
+				return true
+			}
+			ident, ok := sel.X.(*ast.Ident)
+			if !ok {
+				return true
+			}
+			if (imports[ident.Name] == "errors" && sel.Sel.Name == "New") || (imports[ident.Name] == "fmt" && sel.Sel.Name == "Errorf") {
+				t.Errorf("%s: use backend/shared/errors", fset.Position(call.Pos()))
+			}
+			return true
+		})
+		return nil
+	})
+	if err != nil {
+		t.Fatal(err)
+	}
+}

backend/product/architecture/twofactor_test.go

@@ -0,0 +1,48 @@
+package architecture
+
+import (
+	"go/parser"
+	"go/token"
+	"io/fs"
+	"path/filepath"
+	"strconv"
+	"strings"
+	"testing"
+)
+
+// Keep the reusable domain independent of transport and session ownership.
+func TestSecondFactorDomainBoundary(t *testing.T) {
+	err := filepath.WalkDir("../twofactor", func(path string, d fs.DirEntry, err error) error {
+		if err != nil {
+			return err
+		}
+		if d.IsDir() {
+			if d.Name() == "http" {
+				return filepath.SkipDir
+			}
+			return nil
+		}
+		if !strings.HasSuffix(path, ".go") || strings.HasSuffix(path, "_test.go") {
+			return nil
+		}
+		file, err := parser.ParseFile(token.NewFileSet(), path, nil, parser.ImportsOnly)
+		if err != nil {
+			return err
+		}
+		for _, im := range file.Imports {
+			name, err := strconv.Unquote(im.Path.Value)
+			if err != nil {
+				return err
+			}
+			for _, blocked := range []string{"/product/auth/", "/product/sessions/", "/jwtauth", "/jwt/"} {
+				if strings.Contains(name, blocked) {
+					t.Errorf("2FA domain imports operation/transport dependency %s in %s", name, path)
+				}
+			}
+		}
+		return nil
+	})
+	if err != nil {
+		t.Fatal(err)
+	}
+}

backend/product/architecture/versions_test.go

@@ -0,0 +1,41 @@
+package architecture
+
+import (
+	"go/parser"
+	"go/token"
+	"io/fs"
+	"path/filepath"
+	"strconv"
+	"strings"
+	"testing"
+)
+
+func TestGenericRuntimeDoesNotInstallConcreteContracts(t *testing.T) {
+	for _, dir := range []string{"../app/runtime", "../app/http"} {
+		err := filepath.WalkDir(dir, func(path string, entry fs.DirEntry, err error) error {
+			if err != nil {
+				return err
+			}
+			if entry.IsDir() || !strings.HasSuffix(path, ".go") || strings.HasSuffix(path, "_test.go") {
+				return nil
+			}
+			file, err := parser.ParseFile(token.NewFileSet(), path, nil, parser.ImportsOnly)
+			if err != nil {
+				return err
+			}
+			for _, im := range file.Imports {
+				name, err := strconv.Unquote(im.Path.Value)
+				if err != nil {
+					return err
+				}
+				if strings.Contains(name, "/http/v") || strings.Contains(name, "/app/api/v") || strings.HasSuffix(name, "/app/profile") {
+					t.Errorf("generic runtime imports a concrete API contract: %s in %s", name, path)
+				}
+			}
+			return nil
+		})
+		if err != nil {
+			t.Fatal(err)
+		}
+	}
+}

backend/product/auth/client/client.go

@@ -0,0 +1,29 @@
+package client
+
+import (
+	"context"
+	"errors"
+	sessionmodel "git.sendico.io/tech/sxchnge/product/sessions/model"
+	"strings"
+
+	"git.sendico.io/tech/sxchnge/product/sessions/store"
+	"git.sendico.io/tech/sxchnge/shared/errors"
+)
+
+var ErrUnknownClientID = merrors.Define("unknown client id")
+
+func Resolve(ctx context.Context, rtdb refreshtokens.DB, clientID string) (*sessionmodel.Client, error) {
+	clientID = strings.TrimSpace(clientID)
+	if clientID == "" {
+		return nil, ErrUnknownClientID
+	}
+
+	client, err := rtdb.GetClient(ctx, clientID)
+	if errors.Is(err, merrors.ErrNoData) || client == nil {
+		return nil, ErrUnknownClientID
+	}
+	if err != nil {
+		return nil, err
+	}
+	return client, nil
+}

backend/product/auth/client/client_test.go

@@ -0,0 +1,53 @@
+package client
+
+import (
+	"context"
+	"errors"
+	sessionmodel "git.sendico.io/tech/sxchnge/product/sessions/model"
+	"testing"
+
+	"git.sendico.io/tech/sxchnge/product/sessions/store"
+)
+
+type resolveClientDB struct {
+	refreshtokens.DB
+	calls  int
+	client *sessionmodel.Client
+	err    error
+}
+
+func (db *resolveClientDB) GetClient(ctx context.Context, clientID string) (*sessionmodel.Client, error) {
+	db.calls++
+	return db.client, db.err
+}
+
+func TestResolveRejectsBlankClientIDWithoutStorageLookup(t *testing.T) {
+	db := &resolveClientDB{}
+
+	client, err := Resolve(context.Background(), db, "  ")
+	if !errors.Is(err, ErrUnknownClientID) {
+		t.Fatalf("expected unknown client id, got %v", err)
+	}
+	if client != nil {
+		t.Fatalf("expected nil client, got %#v", client)
+	}
+	if db.calls != 0 {
+		t.Fatalf("expected no storage lookup for blank client id, got %d", db.calls)
+	}
+}
+
+func TestResolveTrimsClientID(t *testing.T) {
+	want := &sessionmodel.Client{ClientID: "client-1"}
+	db := &resolveClientDB{client: want}
+
+	client, err := Resolve(context.Background(), db, " client-1 ")
+	if err != nil {
+		t.Fatalf("expected client resolution to succeed, got %v", err)
+	}
+	if client != want {
+		t.Fatalf("expected resolved client %#v, got %#v", want, client)
+	}
+	if db.calls != 1 {
+		t.Fatalf("expected one storage lookup, got %d", db.calls)
+	}
+}

backend/product/auth/config/auth_config.go

@@ -0,0 +1,36 @@
+package middleware
+
+type AuthStorageConfig struct {
+	AccountsCollection               string `yaml:"accounts_collection"`
+	RefreshTokensCollection          string `yaml:"refresh_tokens_collection"`
+	ClientsCollection                string `yaml:"clients_collection"`
+	VerificationTokensCollection     string `yaml:"verification_tokens_collection"`
+	LoginAttemptsCollection          string `yaml:"login_attempts_collection"`
+	VerificationRateLimitsCollection string `yaml:"verification_rate_limits_collection"`
+}
+
+func (c *AuthStorageConfig) WithDefaults() AuthStorageConfig {
+	if c == nil {
+		c = &AuthStorageConfig{}
+	}
+	res := *c
+	if res.AccountsCollection == "" {
+		res.AccountsCollection = "accounts"
+	}
+	if res.RefreshTokensCollection == "" {
+		res.RefreshTokensCollection = "refresh_tokens"
+	}
+	if res.ClientsCollection == "" {
+		res.ClientsCollection = "clients"
+	}
+	if res.VerificationTokensCollection == "" {
+		res.VerificationTokensCollection = "verification_tokens"
+	}
+	if res.LoginAttemptsCollection == "" {
+		res.LoginAttemptsCollection = "login_attempts"
+	}
+	if res.VerificationRateLimitsCollection == "" {
+		res.VerificationRateLimitsCollection = "verification_rate_limits"
+	}
+	return res
+}

backend/product/auth/config/cors_test.go

@@ -0,0 +1,49 @@
+package middleware
+
+import "testing"
+
+func TestCredentialedCORSRequiresExplicitOrigins(t *testing.T) {
+	tests := []struct {
+		name    string
+		config  CORSSettings
+		wantErr bool
+	}{
+		{
+			name: "explicit origin",
+			config: CORSSettings{
+				AllowCredentials: true,
+				AllowedOrigins:   []string{"https://app.sendico.io"},
+			},
+		},
+		{
+			name: "wildcard",
+			config: CORSSettings{
+				AllowCredentials: true,
+				AllowedOrigins:   []string{"*"},
+			},
+			wantErr: true,
+		},
+		{
+			name: "missing origin",
+			config: CORSSettings{
+				AllowCredentials: true,
+			},
+			wantErr: true,
+		},
+		{
+			name: "non-credentialed compatibility",
+			config: CORSSettings{
+				AllowedOrigins: []string{"*"},
+			},
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			err := tt.config.Validate()
+			if (err != nil) != tt.wantErr {
+				t.Fatalf("Validate() error = %v, wantErr %t", err, tt.wantErr)
+			}
+		})
+	}
+}

backend/product/auth/config/login_rate_limit.go

@@ -0,0 +1,47 @@
+package middleware
+
+import (
+	"time"
+
+	sharedlimit "git.sendico.io/tech/sxchnge/shared/ratelimit"
+)
+
+const (
+	defaultLoginAccountLimit  = 5
+	defaultLoginAccountWindow = 15 * time.Minute
+	defaultLoginIPLimit       = 50
+	defaultLoginIPWindow      = 15 * time.Minute
+)
+
+type LoginRateLimitWindowConfig = sharedlimit.WindowConfig
+
+type LoginRateLimitsConfig struct {
+	PerAccount LoginRateLimitWindowConfig `yaml:"per_account"`
+	PerIP      LoginRateLimitWindowConfig `yaml:"per_ip"`
+}
+
+type LoginRateLimitWindow = sharedlimit.Window
+
+type LoginRateLimits struct {
+	PerAccount LoginRateLimitWindow
+	PerIP      LoginRateLimitWindow
+}
+
+func (c *Config) ResolveLoginRateLimits() (LoginRateLimits, error) {
+	if c == nil || c.LoginRateLimits == nil {
+		return LoginRateLimits{
+			PerAccount: LoginRateLimitWindow{Limit: defaultLoginAccountLimit, Window: defaultLoginAccountWindow},
+			PerIP:      LoginRateLimitWindow{Limit: defaultLoginIPLimit, Window: defaultLoginIPWindow},
+		}, nil
+	}
+
+	account, err := sharedlimit.ResolveWindow(c.LoginRateLimits.PerAccount, "middleware.login_rate_limits.per_account")
+	if err != nil {
+		return LoginRateLimits{}, err
+	}
+	ip, err := sharedlimit.ResolveWindow(c.LoginRateLimits.PerIP, "middleware.login_rate_limits.per_ip")
+	if err != nil {
+		return LoginRateLimits{}, err
+	}
+	return LoginRateLimits{PerAccount: account, PerIP: ip}, nil
+}

backend/product/auth/config/login_rate_limit_test.go

@@ -0,0 +1,60 @@
+package middleware
+
+import (
+	"errors"
+	"testing"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/shared/errors"
+)
+
+func TestResolveLoginRateLimitsUsesSecureDefaults(t *testing.T) {
+	got, err := (&Config{}).ResolveLoginRateLimits()
+	if err != nil {
+		t.Fatalf("resolve defaults: %v", err)
+	}
+	if got.PerAccount.Limit != 5 || got.PerAccount.Window != 15*time.Minute {
+		t.Fatalf("unexpected account defaults: %+v", got.PerAccount)
+	}
+	if got.PerIP.Limit != 50 || got.PerIP.Window != 15*time.Minute {
+		t.Fatalf("unexpected IP defaults: %+v", got.PerIP)
+	}
+}
+
+func TestResolveLoginRateLimitsRejectsUnsafeConfiguration(t *testing.T) {
+	tests := []struct {
+		name string
+		cfg  *LoginRateLimitsConfig
+	}{
+		{
+			name: "zero account threshold",
+			cfg: &LoginRateLimitsConfig{
+				PerAccount: LoginRateLimitWindowConfig{Window: "15m"},
+				PerIP:      LoginRateLimitWindowConfig{Limit: 50, Window: "15m"},
+			},
+		},
+		{
+			name: "invalid IP window",
+			cfg: &LoginRateLimitsConfig{
+				PerAccount: LoginRateLimitWindowConfig{Limit: 5, Window: "15m"},
+				PerIP:      LoginRateLimitWindowConfig{Limit: 50, Window: "forever"},
+			},
+		},
+		{
+			name: "excessive account window",
+			cfg: &LoginRateLimitsConfig{
+				PerAccount: LoginRateLimitWindowConfig{Limit: 5, Window: "25h"},
+				PerIP:      LoginRateLimitWindowConfig{Limit: 50, Window: "15m"},
+			},
+		},
+	}
+
+	for _, test := range tests {
+		t.Run(test.name, func(t *testing.T) {
+			_, err := (&Config{LoginRateLimits: test.cfg}).ResolveLoginRateLimits()
+			if !errors.Is(err, merrors.ErrInvalidArg) {
+				t.Fatalf("expected invalid argument, got %v", err)
+			}
+		})
+	}
+}

backend/product/auth/config/middleware.go

@@ -0,0 +1,110 @@
+package middleware
+
+import (
+	"os"
+	"strings"
+
+	"git.sendico.io/tech/sxchnge/shared/errors"
+)
+
+type CORSSettings struct {
+	MaxAge           int      `yaml:"max_age"`
+	AllowedOrigins   []string `yaml:"allowed_origins"`
+	AllowedMethods   []string `yaml:"allowed_methods"`
+	AllowedHeaders   []string `yaml:"allowed_headers"`
+	ExposedHeaders   []string `yaml:"exposed_headers"`
+	AllowCredentials bool     `yaml:"allow_credentials"`
+}
+
+func (c CORSSettings) Validate() error {
+	if !c.AllowCredentials {
+		return nil
+	}
+	if len(c.AllowedOrigins) == 0 {
+		return merrors.InvalidArgument("credentialed CORS requires explicit allowed origins", "middleware.CORS.allowed_origins")
+	}
+	for _, origin := range c.AllowedOrigins {
+		if strings.TrimSpace(origin) == "*" {
+			return merrors.InvalidArgument("credentialed CORS does not allow wildcard origins", "middleware.CORS.allowed_origins")
+		}
+	}
+	return nil
+}
+
+type Signature struct {
+	PublicKey  any
+	PrivateKey []byte
+	Algorithm  string
+}
+
+type SignatureConfig struct {
+	PublicKeyEnv  string `yaml:"public_key_env,omitempty"`
+	PrivateKeyEnv string `yaml:"secret_key_env"`
+	Algorithm     string `yaml:"algorithm"`
+}
+
+type TokenExpiration struct {
+	Account int `yaml:"account"`
+	Refresh int `yaml:"refresh"`
+}
+
+type TokenConfig struct {
+	Expiration TokenExpiration `yaml:"expiration_hours"`
+	Length     int             `yaml:"length"`
+}
+
+const MaxAccessTokenTTLHours = 1
+
+func (c TokenConfig) Validate() error {
+	if c.Expiration.Account <= 0 || c.Expiration.Account > MaxAccessTokenTTLHours {
+		return merrors.InvalidArgument("access token expiration must be between 1 and 1 hour", "middleware.token.expiration_hours.account")
+	}
+	if c.Expiration.Refresh <= c.Expiration.Account {
+		return merrors.InvalidArgument("refresh token expiration must exceed access token expiration", "middleware.token.expiration_hours.refresh")
+	}
+	if c.Length < 32 {
+		return merrors.InvalidArgument("refresh token length must be at least 32 bytes", "middleware.token.length")
+	}
+	return nil
+}
+
+type PasswordChecks struct {
+	Digit     bool `yaml:"digit"`
+	Upper     bool `yaml:"upper"`
+	Lower     bool `yaml:"lower"`
+	Special   bool `yaml:"special"`
+	MinLength int  `yaml:"min_length"`
+}
+
+type PasswordConfig struct {
+	TokenLength int            `yaml:"token_length"`
+	Check       PasswordChecks `yaml:"check"`
+}
+
+type Config struct {
+	DomainEnv       string                 `yaml:"domain_env"`
+	EndPointEnv     string                 `yaml:"api_endpoint_env"`
+	APIProtocolEnv  string                 `yaml:"api_protocol_env"`
+	Signature       SignatureConfig        `yaml:"signature"`
+	CORS            CORSSettings           `yaml:"CORS"`
+	Token           TokenConfig            `yaml:"token"`
+	Password        PasswordConfig         `yaml:"password"`
+	LoginRateLimits *LoginRateLimitsConfig `yaml:"login_rate_limits"`
+}
+
+type MapClaims = map[string]any
+
+func getKey(osEnv string) any {
+	if len(osEnv) == 0 {
+		return nil
+	}
+	return []byte(os.Getenv(osEnv))
+}
+
+func SignatureConf(conf *Config) Signature {
+	return Signature{
+		PrivateKey: []byte(os.Getenv(conf.Signature.PrivateKeyEnv)),
+		PublicKey:  getKey(conf.Signature.PublicKeyEnv),
+		Algorithm:  conf.Signature.Algorithm,
+	}
+}

backend/product/auth/config/token_test.go

@@ -0,0 +1,52 @@
+package middleware
+
+import "testing"
+
+func TestTokenConfigValidate(t *testing.T) {
+	tests := []struct {
+		name    string
+		config  TokenConfig
+		wantErr bool
+	}{
+		{
+			name: "secure explicit TTLs",
+			config: TokenConfig{
+				Expiration: TokenExpiration{Account: 1, Refresh: 720},
+				Length:     32,
+			},
+		},
+		{
+			name: "rejects legacy 24 hour access token",
+			config: TokenConfig{
+				Expiration: TokenExpiration{Account: 24, Refresh: 720},
+				Length:     32,
+			},
+			wantErr: true,
+		},
+		{
+			name: "rejects missing access TTL",
+			config: TokenConfig{
+				Expiration: TokenExpiration{Refresh: 720},
+				Length:     32,
+			},
+			wantErr: true,
+		},
+		{
+			name: "rejects weak refresh token",
+			config: TokenConfig{
+				Expiration: TokenExpiration{Account: 1, Refresh: 720},
+				Length:     16,
+			},
+			wantErr: true,
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			err := tt.config.Validate()
+			if (err != nil) != tt.wantErr {
+				t.Fatalf("Validate() error = %v, wantErr %t", err, tt.wantErr)
+			}
+		})
+	}
+}

backend/product/auth/flow/service.go

@@ -0,0 +1,206 @@
+// Package flow owns signup and account activation, independently of second-factor checks.
+package flow
+
+import (
+	"context"
+	"crypto/hmac"
+	"crypto/sha256"
+	"encoding/hex"
+	"errors"
+	"net/url"
+	"strings"
+	"time"
+
+	accountservice "git.sendico.io/tech/sxchnge/product/customers"
+	customer "git.sendico.io/tech/sxchnge/product/customers/model"
+	account "git.sendico.io/tech/sxchnge/product/customers/store"
+	"git.sendico.io/tech/sxchnge/product/notifications"
+	verificationmodel "git.sendico.io/tech/sxchnge/product/verification/model"
+	verification "git.sendico.io/tech/sxchnge/product/verification/store"
+	"git.sendico.io/tech/sxchnge/shared/database/repository"
+	"git.sendico.io/tech/sxchnge/shared/database/transaction"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	ratelimits "git.sendico.io/tech/sxchnge/shared/ratelimit/store"
+	"go.mongodb.org/mongo-driver/v2/bson"
+)
+
+const Cooldown = time.Minute
+
+type SignupFacts interface {
+	Ensure(context.Context, *customer.Account) error
+	Ready(context.Context, bson.ObjectID) error
+}
+
+type Service struct {
+	Facts         SignupFacts
+	Accounts      account.DB
+	Customers     accountservice.AccountService
+	Tokens        verification.DB
+	Transactions  transaction.Factory
+	Attempts      ratelimits.Store
+	Sender        notifications.Sender
+	Secret        []byte
+	ActivationURL string
+}
+
+func (s *Service) Validate() error {
+	u, err := url.Parse(s.ActivationURL)
+	if err != nil || u.Host == "" || (u.Scheme != "https" && !(u.Scheme == "http" && (u.Hostname() == "localhost" || u.Hostname() == "127.0.0.1"))) || u.User != nil || u.Fragment != "" {
+		return merrors.InvalidArgument("activation URL must be an absolute HTTPS URL (HTTP allowed on localhost)")
+	}
+	if len(s.Secret) < 32 {
+		return merrors.InvalidArgument("authentication signing secret must be at least 32 bytes")
+	}
+	return nil
+}
+func (s *Service) key(parts ...string) string {
+	h := hmac.New(sha256.New, s.Secret)
+	for _, p := range parts {
+		h.Write([]byte(p))
+		h.Write([]byte{0})
+	}
+	return hex.EncodeToString(h.Sum(nil))
+}
+func (s *Service) Limit(ctx context.Context, ip, email string) error {
+	now := time.Now().UTC()
+	start := now.Truncate(time.Hour)
+	for _, scope := range []struct {
+		kind, value string
+		limit       int
+	}{{"auth_email", email, 10}, {"auth_ip", ip, 30}} {
+		count, err := s.Attempts.Increment(ctx, scope.kind, ratelimits.HashScope(scope.kind, scope.value), start, start.Add(time.Hour))
+		if err != nil {
+			return merrors.ServiceUnavailableWrap(err, "authentication rate limit unavailable")
+		}
+		if count > scope.limit {
+			return verification.ErrorIssuanceRateLimited(scope.kind, start.Add(time.Hour).Sub(now))
+		}
+	}
+	return nil
+}
+func (s *Service) Signup(ctx context.Context, a *customer.Account, ip, key string) (*customer.Account, error) {
+	email, err := customer.NormalizeEmail(a.Login)
+	if err != nil {
+		return nil, err
+	}
+	a.Login = email
+	a.Name = strings.TrimSpace(a.Name)
+	if len(a.Name) > 200 || len(a.Password) > 72 {
+		return nil, merrors.InvalidArgument("name or password too long")
+	}
+	if err = s.Limit(ctx, ip, email); err != nil {
+		return nil, err
+	}
+	raw, err := s.Customers.CreateAccountWithActivationKey(ctx, a, s.activationKey(a.Login, key))
+	if errors.Is(err, merrors.ErrDataConflict) {
+		existing, lookup := s.Accounts.GetByEmail(ctx, email)
+		if lookup != nil {
+			return nil, lookup
+		}
+		// A retry after a queue failure may resume only with the original password.
+		if existing.Status != customer.AccountPendingVerification || existing.IsArchived() || !existing.MatchPassword(a.Password) {
+			return nil, merrors.DataConflict("email already registered")
+		}
+		a = existing
+	} else if err != nil {
+		return nil, err
+	}
+	if s.Facts != nil {
+		if err := s.Facts.Ensure(ctx, a); err != nil {
+			return nil, err
+		}
+	}
+	if raw != "" {
+		u, _ := url.Parse(s.ActivationURL)
+		q := u.Query()
+		q.Set("token", raw)
+		u.RawQuery = q.Encode()
+		locale := "en"
+		if strings.HasPrefix(a.Locale, "ru") {
+			locale = "ru"
+		}
+		err = s.Sender.Send(ctx, notifications.Message{Key: s.key("signup", raw), UserID: a.ID.Hex(), Email: a.Login, Locale: locale, Template: "auth.activation", Parameters: map[string]string{"url": u.String()}, ExpiresAt: time.Now().UTC().Add(23 * time.Hour)})
+	} else {
+		_, err = s.sendActivation(ctx, a, key)
+	}
+	return a, err
+}
+func (s *Service) ResendActivation(ctx context.Context, email, ip, key string) error {
+	email, err := customer.NormalizeEmail(email)
+	if err != nil {
+		return err
+	}
+	if err = s.Limit(ctx, ip, email); err != nil {
+		return err
+	}
+	a, err := s.Accounts.GetByEmail(ctx, email)
+	if errors.Is(err, merrors.ErrNoData) {
+		return nil
+	}
+	if err != nil {
+		return err
+	}
+	if a.Status != customer.AccountPendingVerification || a.IsArchived() {
+		return nil
+	}
+	if s.Facts != nil {
+		if err := s.Facts.Ensure(ctx, a); err != nil {
+			return err
+		}
+	}
+	_, err = s.sendActivation(ctx, a, key)
+	return err
+}
+func (s *Service) activationKey(email, key string) string {
+	return s.key(email, string(verificationmodel.PurposeAccountActivation), "", key)
+}
+func (s *Service) sendActivation(ctx context.Context, a *customer.Account, key string) (time.Time, error) {
+	if strings.TrimSpace(key) == "" || len(key) > 128 {
+		return time.Time{}, merrors.InvalidArgument("idempotency key required")
+	}
+	secretKey := s.activationKey(a.Login, key)
+	req := verification.NewLinkRequest(a.ID, verificationmodel.PurposeAccountActivation, "").WithTTL(24 * time.Hour).WithCooldown(Cooldown).WithIdempotencyKey(secretKey)
+	req.WithIssuanceLimits(verification.NewIssuanceLimit("auth_delivery", a.Login, 5, time.Hour, time.Now().UTC()))
+	result, err := s.Tokens.CreateWithResult(ctx, req)
+	if err != nil {
+		return time.Time{}, err
+	}
+	if !result.ExpiresAt.After(time.Now()) {
+		return time.Time{}, verification.ErorrTokenExpired()
+	}
+	locale := "en"
+	if strings.HasPrefix(strings.ToLower(a.Locale), "ru") {
+		locale = "ru"
+	}
+	u, _ := url.Parse(s.ActivationURL)
+	q := u.Query()
+	q.Set("token", result.VerificationToken)
+	u.RawQuery = q.Encode()
+	err = s.Sender.Send(ctx, notifications.Message{Key: secretKey, UserID: a.ID.Hex(), Email: a.Login, Locale: locale, Template: "auth.activation", ExpiresAt: result.ExpiresAt, Parameters: map[string]string{"url": u.String()}})
+	return result.ExpiresAt, err
+}
+func (s *Service) Activate(ctx context.Context, raw string) error {
+	if len(raw) != 43 {
+		return verification.ErorrTokenNotFound()
+	}
+	_, err := s.Transactions.CreateTransaction().Execute(ctx, func(tx context.Context) (any, error) {
+		token, err := s.Tokens.Consume(tx, bson.NilObjectID, verificationmodel.PurposeAccountActivation, "", raw)
+		if err != nil {
+			return nil, err
+		}
+		a := &customer.Account{}
+		if err = s.Accounts.Get(tx, token.AccountRef, a); err != nil {
+			return nil, err
+		}
+		if a.Status != customer.AccountPendingVerification || a.IsArchived() {
+			return nil, merrors.Unauthorized("account cannot be activated")
+		}
+		if s.Facts != nil {
+			if err := s.Facts.Ready(tx, a.ID); err != nil {
+				return nil, err
+			}
+		}
+		return nil, s.Accounts.Patch(tx, a.ID, repository.Patch().Set(repository.Field("status"), customer.AccountActive))
+	})
+	return err
+}

backend/product/auth/flow/service_test.go

@@ -0,0 +1,73 @@
+package flow
+
+import (
+	"context"
+	customer "git.sendico.io/tech/sxchnge/product/customers/model"
+	"git.sendico.io/tech/sxchnge/product/notifications"
+	verification "git.sendico.io/tech/sxchnge/product/verification/store"
+	merrors "git.sendico.io/tech/sxchnge/shared/errors"
+	"github.com/stretchr/testify/require"
+	"go.mongodb.org/mongo-driver/v2/bson"
+	"strings"
+	"testing"
+	"time"
+)
+
+type tokenStub struct {
+	verification.DB
+	request *verification.Request
+	result  verification.CreateResult
+	err     error
+}
+
+func (s *tokenStub) CreateWithResult(_ context.Context, r *verification.Request) (verification.CreateResult, error) {
+	s.request = r
+	return s.result, s.err
+}
+
+type senderStub struct {
+	messages []notifications.Message
+	err      error
+}
+
+func (s *senderStub) Send(_ context.Context, m notifications.Message) error {
+	s.messages = append(s.messages, m)
+	return s.err
+}
+func TestIssueRetriesSamePayloadAndBindsServerSecret(t *testing.T) {
+	expiry := time.Now().UTC().Add(time.Minute)
+	tokens := &tokenStub{result: verification.CreateResult{VerificationToken: "123456", ExpiresAt: expiry}}
+	sender := &senderStub{err: merrors.ServiceUnavailable("queue")}
+	service := &Service{Tokens: tokens, Sender: sender, Secret: []byte(strings.Repeat("s", 32)), ActivationURL: "https://app.example/verify-email"}
+	a := &customer.Account{}
+	a.ID = bson.NewObjectID()
+	a.Login = "user@example.com"
+	a.Locale = "ru-RU"
+	_, err := service.sendActivation(context.Background(), a, "client-key")
+	require.Error(t, err)
+	key := *tokens.request.IdempotencyKey
+	require.NotEqual(t, "client-key", key)
+	require.Equal(t, verification.TokenKindLink, tokens.request.Kind)
+	require.Equal(t, 24*time.Hour, tokens.request.Ttl)
+	sender.err = nil
+	_, err = service.sendActivation(context.Background(), a, "client-key")
+	require.NoError(t, err)
+	require.Equal(t, sender.messages[0], sender.messages[1])
+	require.Equal(t, "ru", sender.messages[0].Locale)
+	service.Secret = []byte(strings.Repeat("b", 32))
+	require.NotEqual(t, key, service.activationKey(a.Login, "client-key"))
+	tokens.result.ExpiresAt = time.Now().Add(-time.Minute)
+	_, err = service.sendActivation(context.Background(), a, "expired")
+	require.ErrorIs(t, err, verification.ErrTokenExpired)
+	require.Len(t, sender.messages, 2)
+}
+func TestValidateActivationDestination(t *testing.T) {
+	for _, destination := range []string{"https://app.example/verify-email", "http://localhost:5126/verify-email"} {
+		s := &Service{Secret: []byte(strings.Repeat("s", 32)), ActivationURL: destination}
+		require.NoError(t, s.Validate())
+	}
+	for _, destination := range []string{"http://app.example/verify-email", "//app.example", "https://user:pass@app.example/verify-email", "https://app.example/#/verify"} {
+		s := &Service{Secret: []byte(strings.Repeat("s", 32)), ActivationURL: destination}
+		require.Error(t, s.Validate())
+	}
+}

backend/product/auth/http/v1/authorized/customer_test.go

@@ -0,0 +1,75 @@
+package authorized
+
+import (
+	"context"
+	customermodel "git.sendico.io/tech/sxchnge/product/customers/model"
+	sessionmodel "git.sendico.io/tech/sxchnge/product/sessions/model"
+	"net/http"
+	"net/http/httptest"
+	"testing"
+
+	"git.sendico.io/tech/sxchnge/product/auth/config"
+	"git.sendico.io/tech/sxchnge/product/auth/http/v1/response"
+	emodel "git.sendico.io/tech/sxchnge/product/auth/model"
+	"git.sendico.io/tech/sxchnge/product/customers/store"
+	"git.sendico.io/tech/sxchnge/shared/errors"
+	api "git.sendico.io/tech/sxchnge/shared/http"
+	"git.sendico.io/tech/sxchnge/shared/service"
+	"github.com/go-chi/chi/v5"
+	"github.com/go-chi/jwtauth/v5"
+	"github.com/stretchr/testify/require"
+	"go.mongodb.org/mongo-driver/v2/bson"
+	"go.uber.org/zap"
+)
+
+type customerDB struct {
+	account.DB
+	customer  customermodel.Account
+	requested bson.ObjectID
+}
+
+func (d *customerDB) Get(_ context.Context, id bson.ObjectID, result *customermodel.Account) error {
+	d.requested = id
+	if id != d.customer.ID {
+		return merrors.NoData("customer not found")
+	}
+	*result = d.customer
+	return nil
+}
+func (d *sessionDB) GetClient(context.Context, string) (*sessionmodel.Client, error) {
+	return &sessionmodel.Client{ClientID: "web"}, nil
+}
+
+func TestCustomerHandlerResolvesIdentityWithoutRoles(t *testing.T) {
+	for _, status := range []customermodel.AccountStatus{customermodel.AccountActive, customermodel.AccountBlocked, customermodel.AccountPendingVerification} {
+		t.Run(string(status), func(t *testing.T) {
+			accounts := &customerDB{}
+			accounts.customer.ID = bson.NewObjectID()
+			accounts.customer.Status = status
+			routes := chi.NewRouter()
+			signature := &middleware.Signature{Algorithm: "HS256", PrivateKey: []byte("test-only-signing-key-at-least-32-bytes")}
+			router := Install(zap.NewNop(), "/api/v1", routes, accounts, &sessionDB{token: &sessionmodel.RefreshToken{}}, &middleware.TokenConfig{Expiration: middleware.TokenExpiration{Account: 1}}, signature)
+			called := false
+			router.AccountHandler(mservice.Accounts, "/me", api.Get, func(_ *http.Request, c *customermodel.Account, _ *sresponse.TokenData) http.HandlerFunc {
+				called = true
+				require.Equal(t, accounts.customer.ID, c.ID)
+				return func(w http.ResponseWriter, _ *http.Request) { w.WriteHeader(http.StatusNoContent) }
+			})
+			ja := jwtauth.New(signature.Algorithm, signature.PrivateKey, nil)
+			_, token, err := ja.Encode(emodel.Account2ClaimsForSession(&accounts.customer, 1, sessionmodel.SessionIdentifier{ClientID: "web", DeviceID: "device", SessionVersion: "v1"}))
+			require.NoError(t, err)
+			req := httptest.NewRequest(http.MethodGet, "/api/v1/accounts/me?accountRef="+bson.NewObjectID().Hex(), nil)
+			req.Header.Set("Authorization", "Bearer "+token)
+			recorder := httptest.NewRecorder()
+			routes.ServeHTTP(recorder, req)
+			require.Equal(t, accounts.customer.ID, accounts.requested)
+			if status == customermodel.AccountActive {
+				require.Equal(t, http.StatusNoContent, recorder.Code)
+				require.True(t, called)
+			} else {
+				require.Equal(t, http.StatusUnauthorized, recorder.Code)
+				require.False(t, called)
+			}
+		})
+	}
+}

backend/product/auth/http/v1/authorized/handler.go

@@ -0,0 +1,161 @@
+package authorized
+
+import (
+	"errors"
+	customermodel "git.sendico.io/tech/sxchnge/product/customers/model"
+	"net/http"
+	"strings"
+
+	"git.sendico.io/tech/sxchnge/product/auth/http/v1/response"
+	"git.sendico.io/tech/sxchnge/product/auth/ipguard"
+	emodel "git.sendico.io/tech/sxchnge/product/auth/model"
+	"git.sendico.io/tech/sxchnge/product/sessions/metrics"
+	"git.sendico.io/tech/sxchnge/shared/errors"
+	api "git.sendico.io/tech/sxchnge/shared/http"
+	"git.sendico.io/tech/sxchnge/shared/http/response"
+	"git.sendico.io/tech/sxchnge/shared/logging/fields"
+	"git.sendico.io/tech/sxchnge/shared/service"
+	"github.com/go-chi/jwtauth/v5"
+	"go.uber.org/zap"
+)
+
+type tokenHandlerFunc = func(r *http.Request, t *emodel.AccountToken) http.HandlerFunc
+
+func (ar *AuthorizedRouter) validateClientPolicy(r *http.Request, t *emodel.AccountToken) http.HandlerFunc {
+	clientID := strings.TrimSpace(t.ClientID)
+	if clientID == "" {
+		// Legacy tokens without client_id remain valid until expiration.
+		return nil
+	}
+	client, err := ar.rtdb.GetClient(r.Context(), clientID)
+	if errors.Is(err, merrors.ErrNoData) || client == nil {
+		ar.logger.Debug("Client not found for access token", zap.String("client_id", clientID))
+		return response.Unauthorized(ar.logger, ar.service, "client not found")
+	}
+	if err != nil {
+		ar.logger.Warn("Failed to resolve client for access token", zap.Error(err), zap.String("client_id", clientID))
+		return response.Internal(ar.logger, ar.service, err)
+	}
+	if client.IsRevoked {
+		return response.Unauthorized(ar.logger, ar.service, "client has been revoked")
+	}
+	if client.AccountRef != nil && *client.AccountRef != t.AccountRef {
+		return response.Unauthorized(ar.logger, ar.service, "client account mismatch")
+	}
+
+	clientIP := ipguard.ClientIP(r)
+	allowed, err := ipguard.Allowed(clientIP, client.AllowedCIDRs)
+	if err != nil {
+		ar.logger.Warn("Client IP policy contains invalid CIDR", zap.Error(err), zap.String("client_id", clientID))
+		return response.Forbidden(ar.logger, ar.service, "client_ip_policy_invalid", "client ip policy is invalid")
+	}
+	if !allowed {
+		rawIP := ""
+		if clientIP != nil {
+			rawIP = clientIP.String()
+		}
+		ar.logger.Info("Client IP policy denied authorized request", zap.String("client_id", clientID), zap.String("remote_ip", rawIP))
+		return response.Forbidden(ar.logger, ar.service, "ip_not_allowed", "request ip is not allowed for this client")
+	}
+
+	return nil
+}
+
+func (ar *AuthorizedRouter) validateSession(r *http.Request, t *emodel.AccountToken) http.HandlerFunc {
+	if t.Pending {
+		return nil
+	}
+	if strings.TrimSpace(t.ClientID) == "" || strings.TrimSpace(t.DeviceID) == "" || strings.TrimSpace(t.SessionVersion) == "" {
+		sessionmetrics.Observe(sessionmetrics.Validation, sessionmetrics.MissingIdentity)
+		ar.logger.Debug("Access token has no session identifier", mzap.AccRef(t.AccountRef))
+		return response.Unauthorized(ar.logger, ar.service, "session identifier is required")
+	}
+	if _, err := ar.rtdb.GetSession(r.Context(), t.AccountRef, &t.SessionIdentifier); err != nil {
+		if errors.Is(err, merrors.ErrNoData) || errors.Is(err, merrors.ErrAccessDenied) {
+			sessionmetrics.Observe(sessionmetrics.Validation, sessionmetrics.AlreadyInactive)
+			ar.logger.Debug("Access token session is not active", mzap.AccRef(t.AccountRef),
+				zap.String("client_id", t.ClientID), zap.String("device_id", t.DeviceID))
+			return response.Unauthorized(ar.logger, ar.service, "session is not active")
+		}
+		sessionmetrics.Observe(sessionmetrics.Validation, sessionmetrics.StorageError)
+		ar.logger.Warn("Failed to validate access token session", zap.Error(err), mzap.AccRef(t.AccountRef),
+			zap.String("client_id", t.ClientID), zap.String("device_id", t.DeviceID))
+		return response.Internal(ar.logger, ar.service, err)
+	}
+	sessionmetrics.Observe(sessionmetrics.Validation, sessionmetrics.Active)
+	return nil
+}
+
+func (ar *AuthorizedRouter) tokenHandlerWithSessionCheck(service mservice.Type, endpoint string, method api.HTTPMethod, checkSession bool, handler tokenHandlerFunc) {
+	hndlr := func(r *http.Request) http.HandlerFunc {
+		_, claims, err := jwtauth.FromContext(r.Context())
+		if err != nil {
+			ar.logger.Debug("Authorization failed", zap.Error(err), zap.String("request", r.URL.Path))
+			return response.Unauthorized(ar.logger, ar.service, "credentials required")
+		}
+		t, err := emodel.Claims2Token(claims)
+		if err != nil {
+			ar.logger.Debug("Failed to decode account token", zap.Error(err))
+			return response.BadRequest(ar.logger, ar.service, "credentials_unreadable", "faild to parse credentials")
+		}
+		if h := ar.validateClientPolicy(r, t); h != nil {
+			return h
+		}
+		if checkSession {
+			if h := ar.validateSession(r, t); h != nil {
+				return h
+			}
+		}
+		return handler(r, t)
+	}
+	ar.imp.InstallHandler(service, endpoint, method, hndlr)
+}
+
+func (ar *AuthorizedRouter) tokenHandler(service mservice.Type, endpoint string, method api.HTTPMethod, handler tokenHandlerFunc) {
+	ar.tokenHandlerWithSessionCheck(service, endpoint, method, true, handler)
+}
+
+func (ar *AuthorizedRouter) AccountHandler(service mservice.Type, endpoint string, method api.HTTPMethod, handler sresponse.AccountHandlerFunc) {
+	hndlr := func(r *http.Request, t *emodel.AccountToken) http.HandlerFunc {
+		if t.Pending {
+			return response.Unauthorized(ar.logger, ar.service, "additional verification required")
+		}
+		var a customermodel.Account
+		if err := ar.db.Get(r.Context(), t.AccountRef, &a); err != nil {
+			if errors.Is(err, merrors.ErrNoData) {
+				ar.logger.Debug("Failed to find related user", zap.Error(err), mzap.AccRef(t.AccountRef))
+				return response.NotFound(ar.logger, ar.service, err.Error())
+			}
+			return response.Internal(ar.logger, ar.service, err)
+		}
+		if !a.IsActive() || a.IsArchived() {
+			return response.Unauthorized(ar.logger, ar.service, "customer is inactive")
+		}
+
+		accessToken, err := ar.imp.CreateAccessTokenForSession(&a, t.SessionIdentifier)
+		if err != nil {
+			ar.logger.Warn("Failed to generate access token", zap.Error(err))
+			return response.Internal(ar.logger, ar.service, err)
+		}
+		return handler(r, &a, &accessToken)
+	}
+	ar.tokenHandler(service, endpoint, method, hndlr)
+}
+
+func (ar *AuthorizedRouter) PendingAccountHandler(service mservice.Type, endpoint string, method api.HTTPMethod, handler sresponse.PendingAccountHandlerFunc) {
+	hndlr := func(r *http.Request, t *emodel.AccountToken) http.HandlerFunc {
+		var a customermodel.Account
+		if err := ar.db.Get(r.Context(), t.AccountRef, &a); err != nil {
+			if errors.Is(err, merrors.ErrNoData) {
+				ar.logger.Debug("Failed to find related user", zap.Error(err), mzap.AccRef(t.AccountRef))
+				return response.NotFound(ar.logger, ar.service, err.Error())
+			}
+			return response.Internal(ar.logger, ar.service, err)
+		}
+		if a.Status == customermodel.AccountBlocked || a.IsArchived() {
+			return response.Unauthorized(ar.logger, ar.service, "customer is inactive")
+		}
+		return handler(r, &a, t)
+	}
+	ar.tokenHandler(service, endpoint, method, hndlr)
+}

backend/product/auth/http/v1/authorized/router.go

@@ -0,0 +1,60 @@
+package authorized
+
+import (
+	"net/http"
+
+	"git.sendico.io/tech/sxchnge/product/auth/config"
+	re "git.sendico.io/tech/sxchnge/product/auth/http/v1/endpoint"
+	emodel "git.sendico.io/tech/sxchnge/product/auth/model"
+	"git.sendico.io/tech/sxchnge/product/customers/store"
+	"git.sendico.io/tech/sxchnge/product/sessions/metrics"
+	"git.sendico.io/tech/sxchnge/product/sessions/store"
+	api "git.sendico.io/tech/sxchnge/shared/http"
+	"git.sendico.io/tech/sxchnge/shared/http/response"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+	"git.sendico.io/tech/sxchnge/shared/logging/fields"
+	"git.sendico.io/tech/sxchnge/shared/service"
+	"github.com/go-chi/chi/v5"
+	"github.com/go-chi/jwtauth/v5"
+	"go.uber.org/zap"
+)
+
+type AuthorizedRouter struct {
+	logger  mlogger.Logger
+	db      account.DB
+	rtdb    refreshtokens.DB
+	imp     *re.HttpEndpointRouter
+	service mservice.Type
+}
+
+func Install(logger mlogger.Logger, apiEndpoint string, router chi.Router, db account.DB, rtdb refreshtokens.DB, config *middleware.TokenConfig, signature *middleware.Signature) *AuthorizedRouter {
+	ja := jwtauth.New(signature.Algorithm, signature.PrivateKey, signature.PublicKey)
+	router.Use(jwtauth.Verifier(ja))
+	router.Use(jwtauth.Authenticator(ja))
+	l := logger.Named("authorized")
+	ar := AuthorizedRouter{
+		logger:  l,
+		db:      db,
+		rtdb:    rtdb,
+		imp:     re.NewHttpEndpointRouter(l, apiEndpoint, router, config, signature),
+		service: mservice.Accounts,
+	}
+	ar.tokenHandlerWithSessionCheck(mservice.Accounts, "/logout/all", api.Post, false, ar.logoutAll)
+
+	return &ar
+}
+
+func (ar *AuthorizedRouter) logoutAll(r *http.Request, token *emodel.AccountToken) http.HandlerFunc {
+	if token.ClientID == "" || token.DeviceID == "" || token.SessionVersion == "" {
+		sessionmetrics.Observe(sessionmetrics.AllLogout, sessionmetrics.MissingIdentity)
+		return response.Unauthorized(ar.logger, ar.service, "session identifier is required")
+	}
+	if err := ar.rtdb.RevokeAll(r.Context(), token.AccountRef, ""); err != nil {
+		sessionmetrics.Observe(sessionmetrics.AllLogout, sessionmetrics.StorageError)
+		ar.logger.Warn("Failed to revoke all account sessions", zap.Error(err), mzap.AccRef(token.AccountRef))
+		return response.Internal(ar.logger, ar.service, err)
+	}
+	sessionmetrics.Observe(sessionmetrics.AllLogout, sessionmetrics.Succeeded)
+	ar.logger.Info("All account sessions revoked", mzap.AccRef(token.AccountRef))
+	return response.Success(ar.logger)
+}

backend/product/auth/http/v1/authorized/session_test.go

@@ -0,0 +1,113 @@
+package authorized
+
+import (
+	"context"
+	sessionmodel "git.sendico.io/tech/sxchnge/product/sessions/model"
+	"net/http"
+	"net/http/httptest"
+	"testing"
+
+	emodel "git.sendico.io/tech/sxchnge/product/auth/model"
+	"git.sendico.io/tech/sxchnge/product/sessions/store"
+	"git.sendico.io/tech/sxchnge/shared/errors"
+	"git.sendico.io/tech/sxchnge/shared/service"
+	"go.mongodb.org/mongo-driver/v2/bson"
+	"go.uber.org/zap"
+)
+
+type sessionDB struct {
+	refreshtokens.DB
+	token       *sessionmodel.RefreshToken
+	err         error
+	revokeAllID string
+}
+
+func (db *sessionDB) GetSession(context.Context, bson.ObjectID, *sessionmodel.SessionIdentifier) (*sessionmodel.RefreshToken, error) {
+	return db.token, db.err
+}
+
+func (db *sessionDB) RevokeAll(_ context.Context, _ bson.ObjectID, deviceID string) error {
+	db.revokeAllID = deviceID
+	return db.err
+}
+
+func TestValidateSessionFailsClosed(t *testing.T) {
+	accountRef := bson.NewObjectID()
+	token := &emodel.AccountToken{
+		AccountRef: accountRef,
+		SessionIdentifier: sessionmodel.SessionIdentifier{
+			ClientID:       "web",
+			DeviceID:       "device-a",
+			SessionVersion: "version-a",
+		},
+	}
+	request := httptest.NewRequestWithContext(context.Background(), http.MethodGet, "/accounts", nil)
+
+	tests := []struct {
+		name       string
+		db         *sessionDB
+		mutate     func(*emodel.AccountToken)
+		wantStatus int
+	}{
+		{name: "active", db: &sessionDB{token: &sessionmodel.RefreshToken{}}, wantStatus: 0},
+		{name: "revoked", db: &sessionDB{err: merrors.ErrNoData}, wantStatus: http.StatusUnauthorized},
+		{name: "storage unavailable", db: &sessionDB{err: merrors.Internal("database unavailable")}, wantStatus: http.StatusInternalServerError},
+		{
+			name: "missing version",
+			db:   &sessionDB{},
+			mutate: func(token *emodel.AccountToken) {
+				token.SessionVersion = ""
+			},
+			wantStatus: http.StatusUnauthorized,
+		},
+	}
+
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			candidate := *token
+			if tt.mutate != nil {
+				tt.mutate(&candidate)
+			}
+			router := &AuthorizedRouter{logger: zap.NewNop(), rtdb: tt.db, service: mservice.Accounts}
+			handler := router.validateSession(request, &candidate)
+			if tt.wantStatus == 0 {
+				if handler != nil {
+					t.Fatal("active session was rejected")
+				}
+				return
+			}
+			if handler == nil {
+				t.Fatal("invalid session was accepted")
+			}
+			response := httptest.NewRecorder()
+			handler(response, request)
+			if response.Code != tt.wantStatus {
+				t.Fatalf("status = %d, want %d", response.Code, tt.wantStatus)
+			}
+		})
+	}
+}
+
+func TestLogoutAllRevokesEveryDevice(t *testing.T) {
+	db := &sessionDB{}
+	router := &AuthorizedRouter{logger: zap.NewNop(), rtdb: db, service: mservice.Accounts}
+	token := &emodel.AccountToken{
+		AccountRef: bson.NewObjectID(),
+		SessionIdentifier: sessionmodel.SessionIdentifier{
+			ClientID:       "web",
+			DeviceID:       "device-a",
+			SessionVersion: "version-a",
+		},
+	}
+	request := httptest.NewRequestWithContext(context.Background(), http.MethodPost, "/accounts/logout/all", nil)
+	response := httptest.NewRecorder()
+
+	router.logoutAll(request, token)(response, request)
+
+	if response.Code != http.StatusOK {
+		t.Fatalf("status = %d, want %d", response.Code, http.StatusOK)
+	}
+	if db.revokeAllID != "" {
+		t.Fatalf("device exclusion = %q, want all devices", db.revokeAllID)
+	}
+}

backend/product/auth/http/v1/dispatcher.go

@@ -0,0 +1,60 @@
+package router
+
+import (
+	"git.sendico.io/tech/sxchnge/product/auth/config"
+	rauthorized "git.sendico.io/tech/sxchnge/product/auth/http/v1/authorized"
+	rpublic "git.sendico.io/tech/sxchnge/product/auth/http/v1/public"
+	"git.sendico.io/tech/sxchnge/product/auth/http/v1/response"
+	"git.sendico.io/tech/sxchnge/product/customers/store"
+	"git.sendico.io/tech/sxchnge/product/sessions/store"
+	api "git.sendico.io/tech/sxchnge/shared/http"
+	"git.sendico.io/tech/sxchnge/shared/logging"
+	"git.sendico.io/tech/sxchnge/shared/ratelimit/store"
+	"git.sendico.io/tech/sxchnge/shared/service"
+	"github.com/go-chi/chi/v5"
+)
+
+type Dispatcher struct {
+	logger    mlogger.Logger
+	public    APIRouter
+	protected ProtectedAPIRouter
+}
+
+func (d *Dispatcher) Handler(service mservice.Type, endpoint string, method api.HTTPMethod, handler sresponse.HandlerFunc) {
+	d.public.InstallHandler(service, endpoint, method, handler)
+}
+
+func (d *Dispatcher) AccountHandler(service mservice.Type, endpoint string, method api.HTTPMethod, handler sresponse.AccountHandlerFunc) {
+	d.protected.AccountHandler(service, endpoint, method, handler)
+}
+
+func (d *Dispatcher) PendingAccountHandler(service mservice.Type, endpoint string, method api.HTTPMethod, handler sresponse.PendingAccountHandlerFunc) {
+	d.protected.PendingAccountHandler(service, endpoint, method, handler)
+}
+
+func Install(
+	logger mlogger.Logger,
+	router chi.Router,
+	endpoint string,
+	db account.DB,
+	rtdb refreshtokens.DB,
+	attempts ratelimits.Store,
+	token *middleware.TokenConfig,
+	signature middleware.Signature,
+	loginRateLimits middleware.LoginRateLimits,
+	flows ...rpublic.Flows,
+) *Dispatcher {
+	d := &Dispatcher{
+		logger: logger.Named("api_dispatcher"),
+	}
+
+	d.logger.Debug("Installing endpoints middleware...")
+	router.Group(func(r chi.Router) {
+		d.public = rpublic.Install(d.logger, endpoint, db, rtdb, attempts, r, token, &signature, loginRateLimits, flows...)
+	})
+	router.Group(func(r chi.Router) {
+		d.protected = rauthorized.Install(d.logger, endpoint, r, db, rtdb, token, &signature)
+	})
+
+	return d
+}