sxchnge/backend/product/providers/sendico/payments_mapper.go

package sendico

import (
	"math/big"
	"strconv"
	"strings"
	"time"

	"git.sendico.io/tech/sxchnge/product/payments"
)

const maxMinor int64 = 9007199254740991

func safePaymentRef(value string) bool {
	if len(value) == 0 || len(value) > 200 {
		return false
	}
	for _, c := range value {
		if !(c >= 'a' && c <= 'z' || c >= 'A' && c <= 'Z' || c >= '0' && c <= '9' || c == '-' || c == '_' || c == ':') {
			return false
		}
	}
	return true
}

// Decimal parsing never rounds provider values or converts money through floats.
func minorMoney(m moneyDTO, currency string, scale int) (int64, error) {
	if m.Currency != currency || scale < 0 || scale > 8 {
		return 0, payments.Unavailable
	}
	parts := strings.Split(m.Amount, ".")
	if len(parts) > 2 || parts[0] == "" {
		return 0, payments.Unavailable
	}
	digits := parts[0]
	if len(parts) == 2 {
		if parts[1] == "" || len(parts[1]) > scale {
			return 0, payments.Unavailable
		}
		digits += parts[1] + strings.Repeat("0", scale-len(parts[1]))
	} else {
		digits += strings.Repeat("0", scale)
	}
	for _, r := range digits {
		if r < '0' || r > '9' {
			return 0, payments.Unavailable
		}
	}
	value, err := strconv.ParseInt(digits, 10, 64)
	if err != nil || value > maxMinor {
		return 0, payments.Unavailable
	}
	return value, nil
}
func majorMoney(minor int64, scale int) string {
	digits := strconv.FormatInt(minor, 10)
	if scale == 0 {
		return digits
	}
	if len(digits) <= scale {
		digits = strings.Repeat("0", scale+1-len(digits)) + digits
	}
	return digits[:len(digits)-scale] + "." + digits[len(digits)-scale:]
}
func mapPaymentQuote(dto paymentQuoteDTO, r payments.Request, source, destination payments.Account) (payments.Quote, error) {
	if !dto.Executable || dto.State != "executable" {
		switch dto.BlockReason {
		case "limit_blocked":
			return payments.Quote{}, payments.LimitExceeded
		case "amount_too_small", "amount_too_large":
			return payments.Quote{}, payments.InvalidAmount
		default:
			return payments.Quote{}, payments.Unsupported
		}
	}
	if !safePaymentRef(dto.ID) || !dto.Expires.After(time.Now()) {
		return payments.Quote{}, payments.ExpiredQuote
	}
	debit, err := minorMoney(dto.Amounts.Debit, source.Currency, source.Precision)
	if err != nil {
		return payments.Quote{}, err
	}
	principal, err := minorMoney(dto.Amounts.Principal, source.Currency, source.Precision)
	if err != nil {
		return payments.Quote{}, err
	}
	credit, err := minorMoney(dto.Amounts.Credit, destination.Currency, destination.Precision)
	if err != nil {
		return payments.Quote{}, err
	}
	if principal != r.Amount || debit < principal || credit <= 0 {
		return payments.Quote{}, payments.Unavailable
	}
	if r.Kind != "topUp" && debit > source.Available {
		return payments.Quote{}, payments.InsufficientFunds
	}
	num, den := big.NewInt(credit), big.NewInt(principal)
	num.Mul(num, new(big.Int).Exp(big.NewInt(10), big.NewInt(int64(source.Precision)), nil))
	den.Mul(den, new(big.Int).Exp(big.NewInt(10), big.NewInt(int64(destination.Precision)), nil))
	gcd := new(big.Int).GCD(nil, nil, num, den)
	num.Quo(num, gcd)
	den.Quo(den, gcd)
	if !num.IsInt64() || !den.IsInt64() || num.Int64() > maxMinor || den.Int64() > maxMinor {
		return payments.Quote{}, payments.Unsupported
	}
	return payments.Quote{ID: dto.ID, Request: r, Fee: debit - principal, Debit: debit, Credit: credit, ExpiresAt: dto.Expires, RateNumerator: num.Int64(), RateDenominator: den.Int64()}, nil
}
func mapPayment(dto paymentDTO) (payments.RemoteOperation, error) {
	if !safePaymentRef(dto.ID) || !safePaymentRef(dto.Quote.ID) || dto.Created.IsZero() {
		return payments.RemoteOperation{}, payments.Unavailable
	}
	status := "pending"
	switch dto.State {
	case "orchestration_state_settled":
		status = "completed"
	case "orchestration_state_failed":
		status = "failed"
	case "orchestration_state_created", "orchestration_state_executing", "orchestration_state_needs_attention":
	default:
		return payments.RemoteOperation{}, payments.Unavailable
	}
	return payments.RemoteOperation{ID: dto.ID, QuoteRef: dto.Quote.ID, Status: status, CreatedAt: dto.Created}, nil
}

func accountByID(accounts []payments.Account, id string) (payments.Account, error) {
	for _, a := range accounts {
		if a.ID == id {
			return a, nil
		}
	}
	return payments.Account{}, payments.NotFound
}
func ledgerEndpoint(id string) endpointDTO {
	return endpointDTO{Type: "ledger", Data: map[string]string{"account_ref": id}}
}
func methodEndpoint(id string) endpointDTO {
	return endpointDTO{Type: "paymentMethod", Data: map[string]string{"ref": id}}
}

type mappedIntent struct {
	wire                paymentIntentDTO
	request             payments.Request
	source, destination payments.Account
}

func mapIntent(subject string, r payments.Request, accounts []payments.Account) (mappedIntent, error) {
	source, err := accountByID(accounts, r.Source)
	if err != nil {
		return mappedIntent{}, err
	}
	if r.Amount <= 0 || r.Amount > maxMinor {
		return mappedIntent{}, payments.InvalidAmount
	}
	intent := paymentIntentDTO{Subject: subject, Source: ledgerEndpoint(source.ID), Amount: moneyDTO{Amount: majorMoney(r.Amount, source.Precision), Currency: source.Currency}, FeeTreatment: "add_to_source"}
	destination := source
	switch r.Kind {
	case "payout":
		r.Destination = ""
		if source.PayoutMethod == "" || r.Recipient != source.PayoutMethod {
			return mappedIntent{}, payments.InvalidRecipient
		}
		intent.Kind = "payout"
		intent.Destination = methodEndpoint(source.PayoutMethod)
		// Store the safe provisioned display label, never present an opaque method ID.
		r.Recipient = source.PayoutLabel
	case "exchange":
		r.Recipient = ""
		destination, err = accountByID(accounts, r.Destination)
		if err != nil {
			return mappedIntent{}, err
		}
		if source.ID == destination.ID || source.Currency == destination.Currency {
			return mappedIntent{}, payments.Unsupported
		}
		intent.Kind = "fx_conversion"
		intent.Destination = ledgerEndpoint(destination.ID)
	case "topUp":
		r.Destination = ""
		r.Recipient = ""
		if source.FundingMethod == "" {
			return mappedIntent{}, payments.Unsupported
		}
		intent.Kind = "internal_transfer"
		intent.Source = methodEndpoint(source.FundingMethod)
		intent.Destination = ledgerEndpoint(source.ID)
	default:
		return mappedIntent{}, payments.Unsupported
	}

	return mappedIntent{intent, r, source, destination}, nil
}

func mapAccount(row accountDTO, balance balanceDTO, scale int) (payments.Account, error) {
	if balance.ID != row.ID {
		return payments.Account{}, payments.Unavailable
	}
	minor, err := minorMoney(balance.Money, row.Currency, scale)
	if err != nil {
		return payments.Account{}, err
	}
	account := payments.Account{ID: row.ID, Currency: row.Currency, Precision: scale, Available: minor, PayoutMethod: row.Metadata["sxchnge_payout_method_ref"], PayoutLabel: row.Metadata["sxchnge_payout_label"], FundingMethod: row.Metadata["sxchnge_funding_method_ref"]}
	for _, ref := range []string{account.PayoutMethod, account.FundingMethod} {
		if ref != "" && !validRef(ref) {
			return payments.Account{}, payments.Unavailable
		}
	}
	if account.PayoutMethod != "" && (strings.TrimSpace(account.PayoutLabel) == "" || len(account.PayoutLabel) > 140) {
		return payments.Account{}, payments.Unavailable
	}
	return account, nil
}