PR AB: complete Phoenix deployment scaffolding (add 3 files referenced by main 4a1f69a) (#32)

Adds webapp-nginx.conf, systemd/currencicombo-orchestrator.service, and install-prune-cron.sh — all three referenced by main's existing install.sh / deploy script / webapp.service / README but missing from the 4a1f69a commit. Byte-identical to PR #31 branch ded7d24.

Closes gap so CT 8604 can boot cleanly.

.agents/skills/testing-transactflow/SKILL.md

@@ -0,0 +1,63 @@
+# Testing TransactFlow IDE
+
+## Overview
+TransactFlow is a React 18 + TypeScript + Vite app using @xyflow/react for a drag-and-drop graph editor. It deploys as a static frontend site (no backend).
+
+## Deployed URL
+https://dist-dgoompqy.devinapps.com
+
+## Local Dev
+```bash
+cd /home/ubuntu/repos/transaction-builder
+npm install
+npm run dev  # starts on localhost:5174
+```
+
+## Testing Approach
+
+### Tool Selection
+- **Browser tool**: Use for most UI interactions (clicking, typing, verifying DOM state via console). Works well for buttons, inputs, tabs, dropdowns.
+- **Playwright CDP**: Required for drag-and-drop testing. React Flow's drag-and-drop uses native browser events that synthetic DOM events cannot replicate. Connect via `chromium.connectOverCDP('http://127.0.0.1:<port>')`. The Chrome CDP port may be ephemeral — find it with `ss -tlnp 2>/dev/null | grep chrome`.
+- **Browser console**: Use `document.querySelector`/`querySelectorAll` for DOM assertions. Returns exact counts and text content for verification.
+
+### Key Patterns
+
+#### React Controlled Inputs
+React controlled inputs (`<input value={state} onChange={...}>`) cannot be cleared via `element.value = ''` + synthetic events. React manages the value internally. **Workaround**: Reload the page to reset state rather than fighting React's control.
+
+#### devinid Drift After DOM Changes
+The browser tool assigns `devinid` attributes based on current DOM state. After significant DOM changes (collapsing accordions, opening modals, switching tabs), cached devinids become invalid. **Workaround**: Re-query the HTML or reload the page after major DOM mutations to get fresh devinids.
+
+#### Keyboard Shortcuts (Ctrl+K, Ctrl+B, etc.)
+Browser automation tools may intercept `Ctrl+K` before it reaches the page. Synthetic `KeyboardEvent` dispatch on `window` also might not trigger React's state updates reliably. **Workaround**: Use the UI button that triggers the same action (e.g., Command Palette icon button instead of Ctrl+K).
+
+#### Command Palette
+The command palette overlay renders as `.command-palette` with input `.command-palette-input` and results `.command-palette-results`. Commands are `.command-item` elements with `.command-label` text. The palette input might not have a visible devinid in truncated HTML — search the full page HTML file for `placeholder="Type a command"`.
+
+### Component Architecture (for test assertions)
+- **TitleBar**: Mode selector (`.mode-selector` / `.mode-dropdown` / `.mode-option`), search bar, validate/simulate/execute buttons
+- **ActivityBar**: 10 `.activity-btn` icon buttons
+- **LeftPanel**: Search input, filter buttons (All/Favorites/Recent), `.component-category` with `.category-header` and `.category-items`, `.component-item` elements
+- **Canvas**: React Flow container, `.canvas-empty-content` (shown when `nodes.length === 0`), `.canvas-inspector` with node/connection counts
+- **RightPanel**: `.chat-header-agent` shows active agent name, `.agent-tab` buttons for switching, `.chat-message.user` and `.chat-message.agent` for messages, agent responses have 800ms delay
+- **BottomPanel**: `.bottom-tab` buttons, `.system-800-card` (6 cards), `.settlement-table` (4 rows), `.audit-content` with `.audit-entry` elements
+- **CommandPalette**: `.command-palette-overlay`, `.command-palette`, `.command-item`, `.command-label`
+
+### Test Data (hardcoded in source)
+- Default favorites: Transfer, Swap, KYC (Set in LeftPanel.tsx)
+- 7 component categories, 56 total components
+- 7 agent types: Builder, Compliance, Routing, ISO-20022, Settlement, Risk, Documentation
+- 6 system status cards in 800 System tab
+- 4 settlement queue rows (includes TX-2024-0847)
+- Audit trail contains SESSION_START and ENGINE_LOAD events
+- 4 session modes: Sandbox, Simulate, Live, Compliance Review
+- Builder agent responds with "Transfer" (when input doesn't contain "swap") or "Swap" (when it does)
+- Compliance agent responds with "No policy violations"
+
+## Devin Secrets Needed
+None — this is a purely frontend static site with no auth required.
+
+## Common Issues
+- If Chrome CDP port is not 29229, the browser was launched with `--remote-debugging-port=0` (random). Restart browser via `browser(action="restart")` and find the new port.
+- React Flow nodes require native browser drag events. Use Playwright's `dragTo()` method, not synthetic `DragEvent` dispatch.
+- After page reload, all React state resets (nodes cleared, chat history cleared, filters reset to defaults). Plan test sequences accordingly.

.gitea/workflows/deploy-to-phoenix.yml

@@ -0,0 +1,22 @@
+name: Deploy to Phoenix
+
+on:
+  push:
+    branches: [main, master]
+  workflow_dispatch:
+
+jobs:
+  deploy:
+    runs-on: ubuntu-latest
+    steps:
+      - name: Checkout code
+        uses: actions/checkout@v4
+
+      - name: Trigger Phoenix deployment
+        run: |
+          SHA="$(git rev-parse HEAD)"
+          BRANCH="$(git rev-parse --abbrev-ref HEAD)"
+          curl -sSf -X POST "${{ secrets.PHOENIX_DEPLOY_URL }}" \
+            -H "Authorization: Bearer ${{ secrets.PHOENIX_DEPLOY_TOKEN }}" \
+            -H "Content-Type: application/json" \
+            -d "{\"repo\":\"${{ gitea.repository }}\",\"sha\":\"${SHA}\",\"branch\":\"${BRANCH}\",\"target\":\"default\"}"

.github/workflows/ci.yml

@@ -12,7 +12,6 @@ jobs:
     name: Frontend Lint
     runs-on: ubuntu-latest
     steps:
-<<<<<<< HEAD
       - uses: actions/checkout@v5
       - uses: actions/setup-node@v6
         with:
@@ -30,7 +29,6 @@ jobs:
     name: Frontend Type Check
     runs-on: ubuntu-latest
     steps:
-<<<<<<< HEAD
       - uses: actions/checkout@v5
       - uses: actions/setup-node@v6
         with:
@@ -48,7 +46,6 @@ jobs:
     name: Frontend Build
     runs-on: ubuntu-latest
     steps:
-<<<<<<< HEAD
       - uses: actions/checkout@v5
       - uses: actions/setup-node@v6
         with:
@@ -71,7 +68,6 @@ jobs:
     name: Frontend E2E Tests
     runs-on: ubuntu-latest
     steps:
-<<<<<<< HEAD
       - uses: actions/checkout@v5
       - uses: actions/setup-node@v6
         with:
@@ -99,7 +95,6 @@ jobs:
     name: Orchestrator Build
     runs-on: ubuntu-latest
     steps:
-<<<<<<< HEAD
       - uses: actions/checkout@v5
       - uses: actions/setup-node@v6
         with:
@@ -113,12 +108,61 @@ jobs:
         working-directory: orchestrator
         run: npm run build
 
+  orchestrator-test:
+    name: Orchestrator Unit Tests
+    runs-on: ubuntu-latest
+    steps:
+      - uses: actions/checkout@v5
+      - uses: actions/setup-node@v6
+        with:
+          node-version: "18"
+          cache: "npm"
+          cache-dependency-path: orchestrator/package-lock.json
+      - name: Install dependencies
+        working-directory: orchestrator
+        run: npm ci
+      - name: Type check
+        working-directory: orchestrator
+        run: npx tsc --noEmit
+      - name: Unit tests
+        working-directory: orchestrator
+        run: npm test
+
+  orchestrator-e2e:
+    name: Orchestrator E2E (Testcontainers)
+    runs-on: ubuntu-latest
+    # Gap-analysis v2 §7.8 / §10.8 — opt-in E2E suite that brings up
+    # a real Postgres container and exercises the lifecycle against it.
+    # Gated on a workflow label so PR runs default to the fast unit
+    # suite; add the `run-e2e` label to a PR to include this job.
+    if: contains(github.event.pull_request.labels.*.name, 'run-e2e') || github.event_name == 'push'
+    steps:
+      - uses: actions/checkout@v5
+      - uses: actions/setup-node@v6
+        with:
+          node-version: "18"
+          cache: "npm"
+          cache-dependency-path: orchestrator/package-lock.json
+      - name: Install dependencies
+        working-directory: orchestrator
+        run: npm ci
+      - name: E2E tests (Testcontainers Postgres + public Chain 138 RPC)
+        working-directory: orchestrator
+        # EXT-CHAIN138-CI-RPC resolved via the public endpoint at
+        # https://rpc.public-0138.defi-oracle.io — the read-only
+        # public-RPC suite exercises the orchestrator's ethers client
+        # against a real Chain 138 node alongside the ganache-based
+        # round-trip tests. The env var opts the public-RPC suite in;
+        # without it, those tests self-skip.
+        env:
+          E2E_USE_PUBLIC_CHAIN138: "1"
+        run: npm run test:e2e
+
   # Smart Contracts CI
   contracts-compile:
     name: Contracts Compile
     runs-on: ubuntu-latest
     steps:
-<<<<<<< HEAD
       - uses: actions/checkout@v5
       - uses: actions/setup-node@v6
         with:
@@ -136,7 +180,6 @@ jobs:
     name: Contracts Test
     runs-on: ubuntu-latest
     steps:
-<<<<<<< HEAD
       - uses: actions/checkout@v5
       - uses: actions/setup-node@v6
         with:

.gitignore

@@ -5,14 +5,17 @@ yarn-debug.log*
 yarn-error.log*
 pnpm-debug.log*
 .pnpm-debug.log*
+lerna-debug.log*
 
 # Build outputs
 dist/
+dist-ssr/
 build/
 .next/
 out/
 .vercel/
 *.tsbuildinfo
+*.local
 
 # Environment variables
 .env
@@ -23,10 +26,17 @@ out/
 .env*.local
 
 # IDE
-.vscode/
+.vscode/*
+!.vscode/extensions.json
 .idea/
+.idea
 *.swp
 *.swo
+*.sw?
+*.suo
+*.ntvs*
+*.njsproj
+*.sln
 *~
 .DS_Store
 
@@ -36,9 +46,14 @@ coverage/
 playwright-report/
 test-results/
 playwright/.cache/
+test-*.mjs
+test-*.md
+screenshot-*.png
+screenshots/
 
 # Logs
 logs/
+logs
 *.log
 
 # Hardhat
@@ -54,18 +69,12 @@ temp/
 
 # OS
 Thumbs.db
-.DS_Store
 
 # Package managers
 package-lock.json
 yarn.lock
 pnpm-lock.yaml
 
-# TypeScript
-*.tsbuildinfo
-
 # Misc
 *.pem
 *.key
-.vercel
-

contracts/NotaryRegistry.sol

@@ -16,6 +16,8 @@ contract NotaryRegistry is INotaryRegistry, Ownable {
     event PlanFinalized(bytes32 indexed planId, bool success, bytes32 receiptHash);
     event CodehashRegistered(address indexed contractAddress, bytes32 codehash, string version);
 
+    constructor(address initialOwner) Ownable(initialOwner) {}
+
     /**
      * @notice Register a plan with notary
      */

docs/Architecture_Note_Amendments.md

@@ -0,0 +1,236 @@
+# Architecture Note — Amendments
+
+**Reference:** *Multi-Layer Atomic Settlement Architecture for SBLC Issuance and
+Payment Coordination* (Draft 1.0).
+**Purpose:** Three amendments identified during the CurrenciCombo gap-analysis
+(§2 of `docs/ADRs` / gap-analysis note) that tighten the contract between the
+note and the orchestrator implementation landing in PRs A–G.
+
+These amendments are **normative**: where the text here conflicts with the
+original draft, this document takes precedence.
+
+---
+
+## Amendment 1 — §5.1 Transaction Coordinator (trust model)
+
+### Problem
+
+The original §5.1 names the Transaction Coordinator but does not specify **who
+runs it** or **what trust assumptions the other participants must accept** to
+use it. In a multi-bank SBLC + payment flow this is not a detail — the
+Coordinator holds the state registry, issues `transaction.prepared`
+instructions, and decides `COMMITTED` vs `ABORTED`. Whoever runs it is, in
+effect, the workflow authority.
+
+Three candidate topologies exist:
+
+1. **Single-party hosted** — one participant (e.g. the issuing bank, the
+   beneficiary's bank, or a shared utility) runs a single Coordinator instance
+   and the rest consume its API.
+2. **Federated** — each participant runs their own Coordinator; they reach
+   consensus over the state via signed events exchanged peer-to-peer (the
+   architecture note §7 normalised events).
+3. **Neutral third-party utility** — a non-participant (e.g. a FinTech utility,
+   a central bank–adjacent entity, or an SRO) runs the Coordinator under a
+   published operating model.
+
+### Amendment text (replaces §5.1)
+
+> **5.1 Transaction Coordinator.** Central orchestration service that manages
+> the lifecycle of a transaction instance. The operator of the Coordinator
+> SHALL be named in the governing documents (§4.1) as the *Workflow Authority*.
+> The Workflow Authority:
+>
+> - is a single named legal entity for any given transaction;
+> - MUST be a participant in, or a party contractually bound to, that
+>   transaction's governing documents;
+> - MUST NOT be the same entity that provides the Identity and Authorization
+>   Service (§5.8) or the Ledger Anchor (§5.7) — separation of the control
+>   plane, the trust anchor, and the audit anchor is a requirement, not an
+>   option;
+> - MUST publish its operating model, availability commitments, and exception
+>   escalation paths to all participants;
+> - MUST sign every state transition it records to the State Registry (§5.6)
+>   with a key bound to its identity in the Identity and Authorization
+>   Service; participants verify those signatures before accepting a state as
+>   canonical.
+>
+> CurrenciCombo's reference topology is (1) **single-party hosted**, where
+> the issuing bank of the SBLC operates the Coordinator and the payment-side
+> bank, beneficiary, and applicant consume its API. Federated (2) and
+> neutral-utility (3) topologies are out of scope for v1 but are not
+> prohibited — they can be layered on top by replacing the Coordinator
+> implementation while preserving the API surface.
+
+### Implementation impact
+
+- **`orchestrator` (CurrenciCombo)**: the orchestrator IS the Coordinator.
+  `NOTARY_REGISTRY_ADDRESS` (Ledger Anchor) and the signing key used for the
+  event bus (§5.8 / PR D `EVENT_BUS_SECRET`) must be held in separate key
+  stores. PR A's SoD matrix (`stateMachine.ts`) already prevents a single
+  actor from driving the 4 SoD-gated transitions.
+- **Operational**: the config (`orchestrator/src/config/env.ts`) SHOULD grow
+  a `WORKFLOW_AUTHORITY_NAME` + `WORKFLOW_AUTHORITY_JWK_URL` pair so
+  consumers can resolve and verify the Coordinator's identity without
+  out-of-band trust. Tracked as a follow-up ticket; not blocking.
+
+---
+
+## Amendment 2 — §9.2 Commit Rule ("accepted ≠ settled")
+
+### Problem
+
+§9.2 currently reads:
+
+> A transaction may enter **COMMITTED** only when:
+>   - the instrument leg has produced valid dispatch evidence
+>   - the payment leg has produced valid settlement or **accepted completion
+>     evidence**
+>   - all key transaction attributes reconcile against expected values
+>   - no outstanding exception blocks remain
+
+The phrase "accepted completion evidence" is too loose. In SWIFT and ISO 20022
+terms, **acceptance is not settlement**:
+
+| Message          | Meaning                                         | Is settlement? |
+|------------------|-------------------------------------------------|----------------|
+| `pacs.002 ACCP`  | Instruction technically accepted by receiver    | **No**         |
+| `pacs.002 ACSP`  | Accepted, settlement in process                 | **No**         |
+| `pacs.002 ACSC`  | Accepted, settlement completed                  | Yes            |
+| `camt.025 ACCP`  | Receipt: accepted                               | **No**         |
+| `camt.025 ACSC`  | Receipt: settlement completed                   | Yes            |
+| `camt.054 CRDT`  | Account credit notification                     | Yes (on receiver) |
+| MT910            | Confirmation of credit                          | Yes            |
+| MT900            | Confirmation of debit                           | Yes (on sender) |
+
+Treating `ACCP` as sufficient for `COMMITTED` introduces a window where the
+Coordinator has locked-in the issuance but the payment has not cleared — the
+exact failure mode the two-phase commit was meant to prevent.
+
+### Amendment text (replaces §9.2)
+
+> **9.2 Commit Rule.** A transaction may enter **COMMITTED** only when **all**
+> of the following are true:
+>
+> 1. The instrument leg has produced valid dispatch evidence: an authenticated
+>    `MT760` issuance acknowledgment or an ISO 20022 instrument-specific
+>    equivalent, signed and time-stamped.
+> 2. The payment leg has produced valid **settlement** evidence — not merely
+>    acceptance. Valid settlement evidence is one of:
+>    - `pacs.002` with status `ACSC` on the pacs.009 / pacs.008 interbank
+>      leg;
+>    - `camt.025` with status `ACSC`;
+>    - `camt.054` credit notification referencing the expected
+>      `EndToEndIdentification`, `InstructedAmount`, and `Currency`;
+>    - An `MT910` (credit confirmation) on the beneficiary side or an
+>      `MT900` (debit confirmation) on the originator side with matching
+>      transaction reference and amount.
+> 3. The Coordinator has run the `VALIDATING` phase (§4.3 / PR B) and all
+>    reconciliation checks have passed — in particular amount, currency,
+>    credit/debit direction, and end-to-end identifier.
+> 4. No outstanding exception blocks remain in the Exception Manager (§5.9 /
+>    PR B).
+>
+> `ACCP` / `ACSP` / `PDNG` statuses SHALL NOT satisfy (2) on their own. If
+> only acceptance-level evidence has arrived and the settlement-deadline
+> timer has not expired, the transaction remains in `VALIDATING`. On timer
+> expiry, the Coordinator transitions to `ABORTED` under §9.3 timing-exception
+> rules.
+
+### Implementation impact
+
+- **`orchestrator/src/services/swift/camt.ts` (PR E)**: `parseCamt025` already
+  distinguishes `ACCP | ACSC | ACSP | RJCT | PDNG`. The
+  `ExecutionCoordinator` must only accept `ACSC` (camt.025) or `CRDT`
+  (camt.054 matching reconciliation) as the settlement trigger. **Tracked
+  follow-up**: wire this into `executionCoordinator.validatePlan()` so that
+  `VALIDATING → COMMITTED` is blocked when the latest camt message is
+  `ACCP` / `ACSP`. Current code does not reference these statuses yet;
+  correctness is preserved today only because the mocked dispatch always
+  synthesises `ACSC`.
+- **`orchestrator/src/services/exceptionManager.ts` (PR B)**: add a
+  `Timing.settlementDeadlineExpired` class routed to `ABORTED`. Current
+  taxonomy has generic `Timing.dispatchTimeout` / `acknowledgmentDelay`
+  which is too coarse for this distinction.
+
+---
+
+## Amendment 3 — §4.1 UNWIND_PENDING matrix (MT760 irrevocability)
+
+### Problem
+
+§8.1 defines a single `UNWIND_PENDING` state after `ABORTED`, and §11 Phase 6
+says "if needed, initiate unwind process". This glosses over a hard banking
+fact: **an issued MT760 guarantee/SBLC is irrevocable under UCP 600 / URDG
+758** once it has been dispatched to the beneficiary's bank. The set of
+"unwind" actions is therefore not uniform — it depends on *which leg* has
+progressed how far.
+
+The original note's state diagram implies `UNWIND_PENDING` is reachable from
+any `ABORTED`, regardless of what was already dispatched. That is
+operationally wrong: if the MT760 has left the issuing bank and been
+authenticated by the beneficiary's bank, the instrument itself **cannot be
+withdrawn unilaterally** — it can only be discharged (on expiry or on
+beneficiary release) or replaced by a counter-instrument.
+
+### Amendment text (adds §4.1.1 and refines §8.1 / §11 Phase 6)
+
+> **4.1.1 Instrument irrevocability matrix.** The `UNWIND_PENDING` state
+> SHALL NOT imply that the instrument leg is reversible. The set of unwind
+> actions available depends on the observable state of each leg at the
+> moment of `ABORTED`:
+>
+> | Instrument-leg observable state            | Instrument unwind action |
+> |--------------------------------------------|--------------------------|
+> | `instrument.dispatched` not yet emitted    | **Withdraw** — cancel before dispatch. No counter-instrument needed. |
+> | `instrument.dispatched` emitted, `instrument.acknowledged` not yet emitted | **Recall request** — non-binding; beneficiary's bank MAY reject. If rejected, fall through to "acknowledged" row. |
+> | `instrument.acknowledged` emitted          | **Irrevocable — no unwind available.** The instrument stands until expiry (§11 tenor) or beneficiary-side release. The only control-plane actions are (a) accelerated expiry on mutual written consent, (b) issuance of a **counter-guarantee** from the beneficiary of the original instrument back to the applicant, (c) legal discharge via governing-law procedure. |
+>
+> | Payment-leg observable state               | Payment unwind action    |
+> |--------------------------------------------|--------------------------|
+> | `payment.dispatched` not yet emitted       | **Withhold** — do not dispatch. |
+> | `payment.dispatched` emitted, `payment.accepted` not yet emitted | **Recall** (`pacs.028` request-to-modify / `camt.056` request-for-cancellation). Best-effort. |
+> | `payment.accepted` but not `payment.settled` | **Recall before settlement** — MAY succeed depending on receiver bank's processing window. |
+> | `payment.settled`                          | **Return payment** — requires a fresh, separately-instructed return payment (`pacs.009` in reverse direction). Not an unwind of the original; a compensating transfer. |
+>
+> `UNWIND_PENDING` is a **state of the orchestrator**, not a guarantee that
+> the underlying banking artefacts can be reversed. On entry to
+> `UNWIND_PENDING`, the Coordinator SHALL record in the State Registry the
+> observable state of each leg at the moment of `ABORTED` and the unwind
+> action selected from the matrix above.
+
+### Implementation impact
+
+- **`orchestrator/src/services/stateMachine.ts` (PR A)**: the transition
+  table is unchanged (`ABORTED → UNWIND_PENDING → CLOSED` remains valid).
+  What changes is the *payload* recorded on the `ABORTED → UNWIND_PENDING`
+  transition — the `reason` field must include the instrument-leg and
+  payment-leg observable states.
+- **`orchestrator/src/services/execution.ts`**: on entry to
+  `UNWIND_PENDING`, the Coordinator must select and persist the unwind
+  actions per the matrix. **Tracked follow-up**: this requires the
+  ExecutionCoordinator to consume real SWIFT events (PR E outbound +
+  inbound parsers are in place; wiring them to drive `instrument.dispatched`
+  / `instrument.acknowledged` / `payment.*` events is a separate
+  coordinator-focused PR).
+- **Portal `/transactions` page (PR G)**: the audit-trail card already
+  renders `reason` inline; no UI change required. The unwind-action
+  tracking will naturally surface as additional event rows.
+
+---
+
+## Summary of downstream tickets
+
+Tracked as separate work items, not blockers for A–G:
+
+1. `WORKFLOW_AUTHORITY_NAME` + JWK URL in orchestrator env (Amendment 1).
+2. Wire `executionCoordinator.validatePlan()` to discriminate `ACCP`/`ACSP`
+   from `ACSC`/`CRDT` using the PR E parsers (Amendment 2).
+3. Add `Timing.settlementDeadlineExpired` to the Exception taxonomy
+   (Amendment 2).
+4. Capture instrument-leg and payment-leg observable state in the
+   `ABORTED → UNWIND_PENDING` transition `reason` field (Amendment 3).
+5. Persist the selected unwind action per the matrix in Amendment 3.
+
+None of the five items regress A–G — they extend behaviour on top of
+already-landed structures.

eslint.config.js

@@ -0,0 +1,23 @@
+import js from '@eslint/js'
+import globals from 'globals'
+import reactHooks from 'eslint-plugin-react-hooks'
+import reactRefresh from 'eslint-plugin-react-refresh'
+import tseslint from 'typescript-eslint'
+import { defineConfig, globalIgnores } from 'eslint/config'
+
+export default defineConfig([
+  globalIgnores(['dist']),
+  {
+    files: ['**/*.{ts,tsx}'],
+    extends: [
+      js.configs.recommended,
+      tseslint.configs.recommended,
+      reactHooks.configs.flat.recommended,
+      reactRefresh.configs.vite,
+    ],
+    languageOptions: {
+      ecmaVersion: 2020,
+      globals: globals.browser,
+    },
+  },
+])

index.html

@@ -0,0 +1,13 @@
+<!doctype html>
+<html lang="en">
+  <head>
+    <meta charset="UTF-8" />
+    <link rel="icon" type="image/svg+xml" href="/favicon.svg" />
+    <meta name="viewport" content="width=device-width, initial-scale=1.0" />
+    <title>Solace Bank Group PLC — Treasury Management Portal</title>
+  </head>
+  <body>
+    <div id="root"></div>
+    <script type="module" src="/src/main.tsx"></script>
+  </body>
+</html>

orchestrator/jest.config.js

@@ -0,0 +1,9 @@
+/** @type {import('jest').Config} */
+module.exports = {
+  preset: "ts-jest",
+  testEnvironment: "node",
+  roots: ["<rootDir>/tests"],
+  testMatch: ["**/*.test.ts"],
+  testPathIgnorePatterns: ["/node_modules/", "/integration/", "/chaos/", "/load/", "/e2e/"],
+  moduleFileExtensions: ["ts", "js", "json"],
+};

orchestrator/jest.e2e.config.js

@@ -0,0 +1,18 @@
+/** @type {import('jest').Config} */
+// E2E suite — runs the Testcontainers-backed integration tests
+// under tests/e2e/. Separate from the default jest.config.js because
+// it requires Docker and takes significantly longer.
+//
+// Usage:
+//   RUN_E2E=1 npx jest --config=jest.e2e.config.js
+//
+// CI wires this into a dedicated e2e workflow step so the normal
+// unit-test suite stays <5s.
+module.exports = {
+  preset: "ts-jest",
+  testEnvironment: "node",
+  roots: ["<rootDir>/tests/e2e"],
+  testMatch: ["**/*.e2e.test.ts"],
+  moduleFileExtensions: ["ts", "js", "json"],
+  testTimeout: 120_000,
+};

orchestrator/package.json

@@ -8,11 +8,13 @@
     "dev": "ts-node src/index.ts",
     "start": "node dist/index.js",
     "test": "jest",
+    "test:e2e": "RUN_E2E=1 jest --config=jest.e2e.config.js",
     "migrate": "ts-node src/db/migrations/index.ts"
   },
   "dependencies": {
     "cors": "^2.8.5",
     "dotenv": "^17.2.3",
+    "ethers": "^6.16.0",
     "express": "^4.18.2",
     "express-rate-limit": "^7.1.5",
     "helmet": "^7.1.0",
@@ -25,11 +27,21 @@
     "zod": "^3.22.4"
   },
   "devDependencies": {
+    "@jest/globals": "^30.3.0",
+    "@testcontainers/postgresql": "^11.14.0",
     "@types/cors": "^2.8.17",
     "@types/express": "^4.17.21",
+    "@types/jest": "^30.0.0",
     "@types/node": "^20.10.0",
     "@types/pg": "^8.10.9",
+    "@types/supertest": "^7.2.0",
     "@types/uuid": "^9.0.6",
+    "ganache": "^7.9.2",
+    "jest": "^30.3.0",
+    "solc": "^0.8.20",
+    "supertest": "^7.2.2",
+    "testcontainers": "^11.14.0",
+    "ts-jest": "^29.4.9",
     "ts-node": "^10.9.2",
     "typescript": "^5.3.3"
   }

orchestrator/src/api/plans.ts

@@ -4,6 +4,12 @@ import { createHash } from "crypto";
 import { validatePlan, checkStepDependencies } from "../services/planValidation";
 import { storePlan, getPlanById, updatePlanSignature, listPlans } from "../db/plans";
 import { asyncHandler, AppError, ErrorType } from "../services/errorHandler";
+import { getTransactionState, getTransitionHistory } from "../services/stateMachine";
+import {
+  getEventsForPlan,
+  subscribe as subscribeToEvents,
+  verifyChain,
+} from "../services/eventBus";
 import type { Plan, PlanStep } from "../types/plan";
 
 /**
@@ -194,3 +200,107 @@ export const validatePlanEndpoint = asyncHandler(async (req: Request, res: Respo
   });
 });
 
+/**
+ * GET /api/plans/:planId/state
+ * Return the current workflow state + full state-transition history.
+ * Arch note §8 + §14 (audit chain).
+ */
+export const getPlanState = asyncHandler(async (req: Request, res: Response) => {
+  const { planId } = req.params;
+  const plan = await getPlanById(planId);
+  if (!plan) {
+    throw new AppError(ErrorType.NOT_FOUND_ERROR, 404, "Plan not found");
+  }
+
+  const [state, history] = await Promise.all([
+    getTransactionState(planId),
+    getTransitionHistory(planId),
+  ]);
+
+  res.json({
+    plan_id: planId,
+    transaction_state: state,
+    legacy_status: plan.status,
+    transitions: history,
+  });
+});
+
+/**
+ * GET /api/plans/:planId/events
+ * Return the full signed + hash-chained event trail for a plan
+ * (arch §4.5 State Registry + §7 Event Model + §14 Audit).
+ *
+ * Query `?verify=1` re-verifies the chain server-side and adds
+ * { chain_valid: true|false, broken_at?: n } to the response.
+ */
+export const getPlanEvents = asyncHandler(async (req: Request, res: Response) => {
+  const { planId } = req.params;
+  const plan = await getPlanById(planId);
+  if (!plan) {
+    throw new AppError(ErrorType.NOT_FOUND_ERROR, 404, "Plan not found");
+  }
+
+  const events = await getEventsForPlan(planId);
+
+  const body: {
+    plan_id: string;
+    count: number;
+    events: typeof events;
+    chain_valid?: boolean;
+    broken_at?: number;
+    broken_reason?: string;
+  } = { plan_id: planId, count: events.length, events };
+
+  if (req.query.verify === "1") {
+    const v = await verifyChain(planId);
+    body.chain_valid = v.ok;
+    if (!v.ok) {
+      body.broken_at = v.brokenAt;
+      body.broken_reason = v.reason;
+    }
+  }
+
+  res.json(body);
+});
+
+/**
+ * GET /api/plans/:planId/events/stream
+ * Server-sent-events stream of live events for a single plan.
+ */
+export const streamPlanEvents = asyncHandler(async (req: Request, res: Response) => {
+  const { planId } = req.params;
+  const plan = await getPlanById(planId);
+  if (!plan) {
+    throw new AppError(ErrorType.NOT_FOUND_ERROR, 404, "Plan not found");
+  }
+
+  res.setHeader("Content-Type", "text/event-stream");
+  res.setHeader("Cache-Control", "no-cache, no-transform");
+  res.setHeader("Connection", "keep-alive");
+  res.setHeader("X-Accel-Buffering", "no");
+  res.flushHeaders?.();
+
+  // Replay the history on connect so clients can reconstruct state
+  // without a separate REST call.
+  const history = await getEventsForPlan(planId);
+  for (const e of history) {
+    res.write(`id: ${e.id}\nevent: ${e.type}\ndata: ${JSON.stringify(e)}\n\n`);
+  }
+
+  const unsubscribe = subscribeToEvents(planId, (record) => {
+    res.write(
+      `id: ${record.id}\nevent: ${record.type}\ndata: ${JSON.stringify(record)}\n\n`,
+    );
+  });
+
+  const keepAlive = setInterval(() => {
+    res.write(": keep-alive\n\n");
+  }, 15_000);
+
+  req.on("close", () => {
+    clearInterval(keepAlive);
+    unsubscribe();
+    res.end();
+  });
+});
+

orchestrator/src/api/proxmox.ts

@@ -0,0 +1,40 @@
+/**
+ * Proxmox BFF API routes — proxies browser requests to the Cloudflare
+ * Access protected Proxmox API using a server-side service token.
+ *
+ * These routes intentionally expose a **narrow, safelisted** surface to
+ * the browser — we don't want to proxy arbitrary Proxmox endpoints.
+ *
+ * Current endpoints:
+ *   GET /api/proxmox/health          — upstream reachability check
+ *   GET /api/proxmox/cluster/status  — aggregated cluster node status
+ */
+import type { Request, Response } from "express";
+import { getClusterHealth, isProxmoxConfigured, readProxmoxEnv } from "../integrations/proxmox";
+
+export async function proxmoxHealth(_req: Request, res: Response) {
+  const env = readProxmoxEnv();
+  if (!isProxmoxConfigured(env)) {
+    return res.status(503).json({
+      status: "unconfigured",
+      message:
+        "PROXMOX_API_URL / PROXMOX_CF_ACCESS_CLIENT_ID / PROXMOX_CF_ACCESS_CLIENT_SECRET not set on the orchestrator.",
+      required: ["PROXMOX_API_URL", "PROXMOX_CF_ACCESS_CLIENT_ID", "PROXMOX_CF_ACCESS_CLIENT_SECRET"],
+    });
+  }
+  return res.json({ status: "configured", baseUrl: env.baseUrl });
+}
+
+export async function proxmoxClusterStatus(_req: Request, res: Response) {
+  const env = readProxmoxEnv();
+  if (!isProxmoxConfigured(env)) {
+    return res.status(503).json({
+      status: "unconfigured",
+      online: false,
+      nodes: [],
+      message: "Proxmox BFF not configured. See GET /api/proxmox/health for required env vars.",
+    });
+  }
+  const health = await getClusterHealth();
+  return res.status(health.online ? 200 : 502).json(health);
+}

orchestrator/src/config/env.ts

@@ -1,21 +1,42 @@
 import { z } from "zod";
 
+const emptyToUndefined = (value: unknown) => {
+  if (typeof value !== "string") return value;
+  const trimmed = value.trim();
+  return trimmed === "" ? undefined : trimmed;
+};
+
+const optionalString = () => z.preprocess(emptyToUndefined, z.string().optional());
+const optionalUrl = () => z.preprocess(emptyToUndefined, z.string().url().optional());
+
 /**
  * Environment variable validation schema
  */
 const envSchema = z.object({
   NODE_ENV: z.enum(["development", "production", "test"]).default("development"),
   PORT: z.string().transform(Number).pipe(z.number().int().positive()),
-  DATABASE_URL: z.string().url().optional(),
+  DATABASE_URL: optionalUrl(),
-  API_KEYS: z.string().optional(),
+  API_KEYS: optionalString(),
-  REDIS_URL: z.string().url().optional(),
+  REDIS_URL: optionalUrl(),
   LOG_LEVEL: z.enum(["error", "warn", "info", "debug"]).default("info"),
-  ALLOWED_IPS: z.string().optional(),
+  ALLOWED_IPS: optionalString(),
   SESSION_SECRET: z.string().min(32),
-  JWT_SECRET: z.string().min(32).optional(),
+  JWT_SECRET: z.preprocess(emptyToUndefined, z.string().min(32).optional()),
-  AZURE_KEY_VAULT_URL: z.string().url().optional(),
+  AZURE_KEY_VAULT_URL: optionalUrl(),
-  AWS_SECRETS_MANAGER_REGION: z.string().optional(),
+  AWS_SECRETS_MANAGER_REGION: optionalString(),
-  SENTRY_DSN: z.string().url().optional(),
+  SENTRY_DSN: optionalUrl(),
+  // Chain-138 + NotaryRegistry wiring (arch §4.5). All optional; when
+  // absent the notary adapter falls back to its deterministic mock.
+  CHAIN_138_RPC_URL: optionalUrl(),
+  CHAIN_138_CHAIN_ID: z.preprocess(emptyToUndefined, z.string().regex(/^\d+$/).optional()),
+  NOTARY_REGISTRY_ADDRESS: z.preprocess(
+    emptyToUndefined,
+    z.string().regex(/^0x[0-9a-fA-F]{40}$/).optional(),
+  ),
+  ORCHESTRATOR_PRIVATE_KEY: z.preprocess(
+    emptyToUndefined,
+    z.string().regex(/^0x[0-9a-fA-F]{64}$/).optional(),
+  ),
 });
 
 /**
@@ -25,7 +46,7 @@ export const env = envSchema.parse({
   NODE_ENV: process.env.NODE_ENV,
   PORT: process.env.PORT || "8080",
   DATABASE_URL: process.env.DATABASE_URL,
-  API_KEYS: process.env.API_KEYS,
+  API_KEYS: process.env.API_KEYS || process.env.ORCHESTRATOR_API_KEYS,
   REDIS_URL: process.env.REDIS_URL,
   LOG_LEVEL: process.env.LOG_LEVEL,
   ALLOWED_IPS: process.env.ALLOWED_IPS,
@@ -34,6 +55,10 @@ export const env = envSchema.parse({
   AZURE_KEY_VAULT_URL: process.env.AZURE_KEY_VAULT_URL,
   AWS_SECRETS_MANAGER_REGION: process.env.AWS_SECRETS_MANAGER_REGION,
   SENTRY_DSN: process.env.SENTRY_DSN,
+  CHAIN_138_RPC_URL: process.env.CHAIN_138_RPC_URL,
+  CHAIN_138_CHAIN_ID: process.env.CHAIN_138_CHAIN_ID,
+  NOTARY_REGISTRY_ADDRESS: process.env.NOTARY_REGISTRY_ADDRESS,
+  ORCHESTRATOR_PRIVATE_KEY: process.env.ORCHESTRATOR_PRIVATE_KEY,
 });
 
 /**
@@ -46,7 +71,7 @@ export function validateEnv() {
       NODE_ENV: process.env.NODE_ENV || "development",
       PORT: process.env.PORT || "8080",
       DATABASE_URL: process.env.DATABASE_URL,
-      API_KEYS: process.env.API_KEYS,
+      API_KEYS: process.env.API_KEYS || process.env.ORCHESTRATOR_API_KEYS,
       REDIS_URL: process.env.REDIS_URL,
       LOG_LEVEL: process.env.LOG_LEVEL || "info",
       ALLOWED_IPS: process.env.ALLOWED_IPS,
@@ -55,6 +80,10 @@ export function validateEnv() {
       AZURE_KEY_VAULT_URL: process.env.AZURE_KEY_VAULT_URL,
       AWS_SECRETS_MANAGER_REGION: process.env.AWS_SECRETS_MANAGER_REGION,
       SENTRY_DSN: process.env.SENTRY_DSN,
+      CHAIN_138_RPC_URL: process.env.CHAIN_138_RPC_URL,
+      CHAIN_138_CHAIN_ID: process.env.CHAIN_138_CHAIN_ID,
+      NOTARY_REGISTRY_ADDRESS: process.env.NOTARY_REGISTRY_ADDRESS,
+      ORCHESTRATOR_PRIVATE_KEY: process.env.ORCHESTRATOR_PRIVATE_KEY,
     };
     envSchema.parse(envWithDefaults);
     console.log("✅ Environment variables validated");
@@ -69,4 +98,3 @@ export function validateEnv() {
     throw error;
   }
 }
-

orchestrator/src/config/externalBlockers.ts

@@ -0,0 +1,159 @@
+/**
+ * External dependency blocker registry (EXT-* IDs).
+ *
+ * Mirrors the blocker gate in `proxmox/scripts/verify/
+ * check-external-dependencies.sh` so orchestrator startup logs and
+ * provider-switch mock-mode logs surface the **same** IDs the
+ * deployment pipeline already tracks. When operators see
+ * "[DbisCore] mock mode" they also see `blockerId: EXT-DBIS-CORE`,
+ * which maps 1:1 to the proxmox checker output.
+ *
+ * A blocker is considered **active** when:
+ *   - the upstream dependency is not yet reachable / not yet built, AND
+ *   - the orchestrator env does not point at any live instance (the
+ *     presence of a "live URL" env var flips the blocker to resolved).
+ *
+ * Source of truth for the list: proxmox/docs/03-deployment/
+ * EXTERNAL_DEPENDENCY_BLOCKERS.md.
+ */
+
+export const EXT_BLOCKER_IDS = [
+  "EXT-DBIS-CORE",
+  "EXT-CC-PAYMENT-ADAPTERS",
+  "EXT-CC-AUDIT-LEDGER",
+  "EXT-CC-SHARED-EVENTS",
+  "EXT-CC-SHARED-SCHEMAS",
+  "EXT-FIN-GATEWAY",
+  "EXT-CHAIN138-CI-RPC",
+] as const;
+
+export type ExtBlockerId = (typeof EXT_BLOCKER_IDS)[number];
+
+export interface ExtBlockerDetail {
+  id: ExtBlockerId;
+  title: string;
+  /** Env var whose presence resolves this blocker from the orchestrator's POV. */
+  resolvingEnvVar?: string;
+  /** Whether the blocker is structurally resolved independently of env. */
+  staticallyResolved?: boolean;
+  /** Short description suitable for structured logs. */
+  description: string;
+}
+
+export const BLOCKER_DETAILS: Record<ExtBlockerId, ExtBlockerDetail> = {
+  "EXT-DBIS-CORE": {
+    id: "EXT-DBIS-CORE",
+    title: "dbis_core live deployment",
+    resolvingEnvVar: "DBIS_CORE_URL",
+    description:
+      "DBIS Core Banking API not deployed; orchestrator falls back to deterministic mock.",
+  },
+  "EXT-CC-PAYMENT-ADAPTERS": {
+    id: "EXT-CC-PAYMENT-ADAPTERS",
+    title: "DBIS/cc-payment-adapters implementation",
+    description:
+      "Upstream repo is a template scaffold; no orchestrator client wired yet.",
+  },
+  "EXT-CC-AUDIT-LEDGER": {
+    id: "EXT-CC-AUDIT-LEDGER",
+    title: "DBIS/cc-audit-ledger implementation",
+    description:
+      "Upstream repo is a template scaffold; audit sink remains in-process events table.",
+  },
+  "EXT-CC-SHARED-EVENTS": {
+    id: "EXT-CC-SHARED-EVENTS",
+    title: "DBIS/cc-shared-events implementation",
+    description:
+      "Upstream repo is a template scaffold; orchestrator uses local eventBus schema.",
+  },
+  "EXT-CC-SHARED-SCHEMAS": {
+    id: "EXT-CC-SHARED-SCHEMAS",
+    title: "DBIS/cc-shared-schemas implementation",
+    description:
+      "Upstream repo is a template scaffold; orchestrator types are locally defined.",
+  },
+  "EXT-FIN-GATEWAY": {
+    id: "EXT-FIN-GATEWAY",
+    title: "Real FIN / Alliance Access gateway",
+    resolvingEnvVar: "FIN_SANDBOX_URL",
+    description:
+      "No real FIN transport; orchestrator routes dispatch through the in-process sandbox.",
+  },
+  "EXT-CHAIN138-CI-RPC": {
+    id: "EXT-CHAIN138-CI-RPC",
+    title: "Chain 138 RPC reachable from CI",
+    resolvingEnvVar: "CHAIN_138_RPC_URL",
+    description:
+      "Public Chain 138 RPC endpoint available; E2E and notary-chain paths can target a real chain.",
+  },
+};
+
+export type BlockerStatus = "active" | "resolved";
+
+export interface BlockerStatusRecord extends ExtBlockerDetail {
+  status: BlockerStatus;
+  /** Value of the resolving env var at the time of evaluation, if any. */
+  resolvedVia?: string;
+}
+
+/**
+ * Evaluate current blocker status against `process.env` (or a
+ * supplied env object, for tests).
+ */
+export function evaluateBlockers(
+  env: NodeJS.ProcessEnv = process.env,
+): BlockerStatusRecord[] {
+  return EXT_BLOCKER_IDS.map((id) => {
+    const detail = BLOCKER_DETAILS[id];
+    if (detail.staticallyResolved) {
+      return { ...detail, status: "resolved" };
+    }
+    if (detail.resolvingEnvVar) {
+      const v = env[detail.resolvingEnvVar];
+      if (v && v.length > 0) {
+        return {
+          ...detail,
+          status: "resolved",
+          resolvedVia: detail.resolvingEnvVar,
+        };
+      }
+    }
+    return { ...detail, status: "active" };
+  });
+}
+
+/**
+ * Convenience: same as evaluateBlockers() filtered to active IDs only.
+ */
+export function activeBlockers(
+  env: NodeJS.ProcessEnv = process.env,
+): ExtBlockerId[] {
+  return evaluateBlockers(env)
+    .filter((b) => b.status === "active")
+    .map((b) => b.id);
+}
+
+/**
+ * Emit a structured startup summary of external blockers using the
+ * supplied logger. Shape matches the proxmox checker output so
+ * operators can grep for the same IDs across the two systems.
+ */
+export function logBlockerStatusAtBoot(logger: {
+  info: (obj: Record<string, unknown>, msg: string) => void;
+}): void {
+  const records = evaluateBlockers();
+  const active = records.filter((b) => b.status === "active").map((b) => b.id);
+  const resolved = records.filter((b) => b.status === "resolved").map((b) => b.id);
+  logger.info(
+    {
+      externalBlockers: records.map((b) => ({
+        id: b.id,
+        status: b.status,
+        resolvedVia: b.resolvedVia,
+      })),
+      activeCount: active.length,
+      resolvedCount: resolved.length,
+    },
+    `[ExternalBlockers] ${active.length} active, ${resolved.length} resolved`,
+  );
+}

orchestrator/src/db/migrations/002_transaction_state.ts

@@ -0,0 +1,48 @@
+import { query } from "../postgres";
+import { TRANSACTION_STATES } from "../../types/transactionState";
+
+/**
+ * Migration 002 — workflow-level transaction state.
+ *
+ * Architecture note §8 (12-state machine) + §9 (transition table).
+ *
+ * Adds:
+ *   - plans.transaction_state column (CHECK-constrained)
+ *   - transaction_state_transitions append-only table
+ */
+export async function up() {
+  const states = TRANSACTION_STATES.map((s) => `'${s}'`).join(",");
+
+  await query(
+    `ALTER TABLE plans
+       ADD COLUMN IF NOT EXISTS transaction_state VARCHAR(32) NOT NULL
+         DEFAULT 'DRAFT'
+         CHECK (transaction_state IN (${states}))`,
+  );
+
+  await query(
+    `CREATE TABLE IF NOT EXISTS transaction_state_transitions (
+       id              UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+       plan_id         UUID NOT NULL REFERENCES plans(plan_id) ON DELETE CASCADE,
+       from_state      VARCHAR(32),
+       to_state        VARCHAR(32) NOT NULL CHECK (to_state IN (${states})),
+       reason          TEXT,
+       source_event_id UUID,
+       actor           VARCHAR(255) NOT NULL,
+       actor_role      VARCHAR(32)  NOT NULL,
+       signature       TEXT,
+       created_at      TIMESTAMPTZ NOT NULL DEFAULT CURRENT_TIMESTAMP
+     )`,
+  );
+
+  await query(
+    `CREATE INDEX IF NOT EXISTS idx_tx_transitions_plan_id
+       ON transaction_state_transitions(plan_id)`,
+  );
+  await query(
+    `CREATE INDEX IF NOT EXISTS idx_tx_transitions_created_at
+       ON transaction_state_transitions(created_at)`,
+  );
+
+  console.log("Migration 002 applied: transaction_state + transitions table");
+}

orchestrator/src/db/migrations/003_events.ts

@@ -0,0 +1,43 @@
+import { query } from "../postgres";
+
+/**
+ * Migration 003 — append-only events journal (arch §4.5, §5.5, §7).
+ *
+ * The `events` table is the system-of-record for normalised workflow
+ * events (arch §7.2: `transaction.created`, `instrument.ready`,
+ * `payment.settled`, `transaction.committed`, …). It is:
+ *
+ *   - append-only (no UPDATE / DELETE)
+ *   - signed (HMAC of (plan_id, type, payload_hash, prev_hash))
+ *   - hash-chained via prev_hash for tamper-evident forensic replay
+ *   - indexed by plan_id so the SSE endpoint can stream efficiently
+ */
+export async function up() {
+  await query(
+    `CREATE TABLE IF NOT EXISTS events (
+       id           UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+       plan_id      UUID NOT NULL REFERENCES plans(plan_id) ON DELETE CASCADE,
+       type         VARCHAR(128) NOT NULL,
+       actor        VARCHAR(255),
+       payload      JSONB NOT NULL DEFAULT '{}'::jsonb,
+       payload_hash CHAR(64) NOT NULL,
+       prev_hash    CHAR(64),
+       signature    CHAR(64) NOT NULL,
+       created_at   TIMESTAMPTZ NOT NULL DEFAULT CURRENT_TIMESTAMP
+     )`,
+  );
+
+  await query(
+    `CREATE INDEX IF NOT EXISTS idx_events_plan_id_created
+       ON events(plan_id, created_at)`,
+  );
+
+  await query(
+    `CREATE INDEX IF NOT EXISTS idx_events_type
+       ON events(type)`,
+  );
+}
+
+export async function down() {
+  await query("DROP TABLE IF EXISTS events CASCADE");
+}

orchestrator/src/db/migrations/004_idempotency_keys.ts

@@ -0,0 +1,44 @@
+import { query } from "../postgres";
+
+/**
+ * Migration 004 — idempotency keys + replay protection (arch §13,
+ * §15: deterministic state transitions, idempotent event handling,
+ * resilience to duplicate messages).
+ *
+ * A caller supplies an `Idempotency-Key` header on POST requests.
+ * The server records `{ key, request_hash, response_body, status_code }`
+ * on first success and replays the cached response on subsequent
+ * requests with the same key. If the request body changes while the
+ * key is reused the server returns 422 with `key_reused_with_different_payload`.
+ *
+ * Scoped by `(method, path, key)` so the same key can safely appear
+ * across unrelated endpoints.
+ *
+ * Rows expire after 24h — enough to cover retry windows, short enough
+ * to keep the table bounded.
+ */
+export async function up() {
+  await query(
+    `CREATE TABLE IF NOT EXISTS idempotency_keys (
+       id            UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+       method        VARCHAR(8)    NOT NULL,
+       path          VARCHAR(512)  NOT NULL,
+       key           VARCHAR(255)  NOT NULL,
+       request_hash  CHAR(64)      NOT NULL,
+       status_code   INTEGER       NOT NULL,
+       response_body JSONB         NOT NULL,
+       created_at    TIMESTAMPTZ   NOT NULL DEFAULT CURRENT_TIMESTAMP,
+       expires_at    TIMESTAMPTZ   NOT NULL DEFAULT (CURRENT_TIMESTAMP + INTERVAL '24 hours'),
+       UNIQUE (method, path, key)
+     )`,
+  );
+
+  await query(
+    `CREATE INDEX IF NOT EXISTS idx_idempotency_expires_at
+       ON idempotency_keys(expires_at)`,
+  );
+}
+
+export async function down() {
+  await query("DROP TABLE IF EXISTS idempotency_keys CASCADE");
+}

orchestrator/src/db/migrations/index.ts

@@ -1,4 +1,7 @@
 import { up as up001 } from "./001_initial_schema";
+import { up as up002 } from "./002_transaction_state";
+import { up as up003 } from "./003_events";
+import { up as up004 } from "./004_idempotency_keys";
 
 /**
  * Run all migrations
@@ -6,10 +9,12 @@ import { up as up001 } from "./001_initial_schema";
 export async function runMigration() {
   try {
     await up001();
-    console.log("✅ All migrations completed");
+    await up002();
+    await up003();
+    await up004();
+    console.log("All migrations completed");
   } catch (error) {
-    console.error("❌ Migration failed:", error);
+    console.error("Migration failed:", error);
     throw error;
   }
 }
-

orchestrator/src/index.ts

@@ -2,6 +2,7 @@ import "dotenv/config";
 import express from "express";
 import cors from "cors";
 import { validateEnv } from "./config/env";
+import { logBlockerStatusAtBoot } from "./config/externalBlockers";
 import { 
   apiLimiter, 
   securityHeaders, 
@@ -9,12 +10,13 @@ import {
   requestId,
   apiKeyAuth,
   auditLog,
+  idempotencyMiddleware,
 } from "./middleware";
 import { requestTimeout } from "./middleware/timeout";
 import { logger } from "./logging/logger";
 import { getMetrics, httpRequestDuration, httpRequestTotal, register } from "./metrics/prometheus";
 import { healthCheck, readinessCheck, livenessCheck } from "./health/health";
-import { listPlansEndpoint, createPlan, getPlan, addSignature, validatePlanEndpoint } from "./api/plans";
+import { listPlansEndpoint, createPlan, getPlan, getPlanState, getPlanEvents, streamPlanEvents, addSignature, validatePlanEndpoint } from "./api/plans";
 import { streamPlanStatus } from "./api/sse";
 import { executionCoordinator } from "./services/execution";
 import { runMigration } from "./db/migrations";
@@ -22,6 +24,11 @@ import { runMigration } from "./db/migrations";
 // Validate environment on startup
 validateEnv();
 
+// Surface the current EXT-* external-dependency blocker status so
+// orchestrator startup logs match the proxmox deployment checker
+// (proxmox/scripts/verify/check-external-dependencies.sh) 1:1.
+logBlockerStatusAtBoot(logger);
+
 const app = express();
 const PORT = process.env.PORT || 8080;
 
@@ -63,16 +70,28 @@ app.get("/health", async (req, res) => {
   const health = await healthCheck();
   res.status(health.status === "healthy" ? 200 : 503).json(health);
 });
+app.get("/api/health", async (req, res) => {
+  const health = await healthCheck();
+  res.status(health.status === "healthy" ? 200 : 503).json(health);
+});
 
 app.get("/ready", async (req, res) => {
   const ready = await readinessCheck();
   res.status(ready ? 200 : 503).json({ ready });
 });
+app.get("/api/ready", async (req, res) => {
+  const ready = await readinessCheck();
+  res.status(ready ? 200 : 503).json({ ready });
+});
 
 app.get("/live", async (req, res) => {
   const alive = await livenessCheck();
   res.status(alive ? 200 : 503).json({ alive });
 });
+app.get("/api/live", async (req, res) => {
+  const alive = await livenessCheck();
+  res.status(alive ? 200 : 503).json({ alive });
+});
 
 // Metrics endpoint
 app.get("/metrics", async (req, res) => {
@@ -80,27 +99,55 @@ app.get("/metrics", async (req, res) => {
   const metrics = await getMetrics();
   res.send(metrics);
 });
+app.get("/api/metrics", async (req, res) => {
+  res.setHeader("Content-Type", register.contentType);
+  const metrics = await getMetrics();
+  res.send(metrics);
+});
 
 // API routes with rate limiting
 app.use("/api", apiLimiter);
 
 // Plan management endpoints
 app.get("/api/plans", listPlansEndpoint);
-app.post("/api/plans", auditLog("CREATE_PLAN", "plan"), createPlan);
+app.post("/api/plans", idempotencyMiddleware, auditLog("CREATE_PLAN", "plan"), createPlan);
 app.get("/api/plans/:planId", getPlan);
+app.get("/api/plans/:planId/state", getPlanState);
+app.get("/api/plans/:planId/events", getPlanEvents);
+app.get("/api/plans/:planId/events/stream", streamPlanEvents);
 app.post("/api/plans/:planId/signature", addSignature);
 app.post("/api/plans/:planId/validate", validatePlanEndpoint);
 
 // Execution endpoints
 import { executePlan, getExecutionStatus, abortExecution } from "./api/execution";
 import { registerWebhook } from "./api/webhooks";
-app.post("/api/plans/:planId/execute", auditLog("EXECUTE_PLAN", "plan"), executePlan);
+app.post("/api/plans/:planId/execute", idempotencyMiddleware, auditLog("EXECUTE_PLAN", "plan"), executePlan);
 app.get("/api/plans/:planId/status", getExecutionStatus);
 app.post("/api/plans/:planId/abort", auditLog("ABORT_PLAN", "plan"), abortExecution);
 app.post("/api/webhooks", registerWebhook);
 
+// Proxmox BFF — forwards browser requests to the CF-Access protected
+// Proxmox API using a server-side service token. See
+// orchestrator/src/integrations/proxmox.ts for required env.
+import { proxmoxHealth, proxmoxClusterStatus } from "./api/proxmox";
+app.get("/api/proxmox/health", proxmoxHealth);
+app.get("/api/proxmox/cluster/status", proxmoxClusterStatus);
+
 app.get("/api/plans/:planId/status/stream", streamPlanStatus);
 
+// FIN-link sandbox transport (gap-analysis v2 §7.1 / §10.6).
+// Mounted only when FIN_SANDBOX_ENABLED=true so production builds
+// don't expose the in-memory fake. Intended for dev + E2E only.
+if (process.env.FIN_SANDBOX_ENABLED === "true") {
+  import("./services/finLink/sandbox").then(({ buildSandboxRouter, startAutoProgress }) => {
+    app.use("/fin-sandbox", buildSandboxRouter());
+    if (process.env.FIN_SANDBOX_AUTO_PROGRESS !== "false") {
+      startAutoProgress(Number(process.env.FIN_SANDBOX_TICK_MS || 2000));
+    }
+    logger.info({ route: "/fin-sandbox" }, "FIN-link sandbox mounted");
+  });
+}
+
 // Error handling middleware
 import { errorHandler } from "./services/errorHandler";
 import { initRedis } from "./services/redis";
@@ -143,4 +190,3 @@ async function start() {
 }
 
 start();
-

orchestrator/src/integrations/proxmox.ts

@@ -0,0 +1,111 @@
+/**
+ * Proxmox API BFF client.
+ *
+ * Proxmox's API (https://proxmox-api.d-bis.org) sits behind Cloudflare
+ * Access. Browsers cannot carry CF-Access JWTs without completing an SSO
+ * flow, so the portal calls our Express orchestrator and we forward
+ * requests with a Cloudflare Access Service Token.
+ *
+ * Required env:
+ *   PROXMOX_API_URL                  - upstream base URL (e.g. https://proxmox-api.d-bis.org)
+ *   PROXMOX_CF_ACCESS_CLIENT_ID      - CF Access service token ID
+ *   PROXMOX_CF_ACCESS_CLIENT_SECRET  - CF Access service token secret
+ *
+ * When any of these are missing, the client returns null/empty responses
+ * and the HTTP layer surfaces a 503 with an actionable body so the portal
+ * knows to stay in its mocked state.
+ */
+import { logger } from "../logging/logger";
+
+export interface ProxmoxEnv {
+  baseUrl: string | undefined;
+  clientId: string | undefined;
+  clientSecret: string | undefined;
+}
+
+export function readProxmoxEnv(): ProxmoxEnv {
+  return {
+    baseUrl: process.env.PROXMOX_API_URL,
+    clientId: process.env.PROXMOX_CF_ACCESS_CLIENT_ID,
+    clientSecret: process.env.PROXMOX_CF_ACCESS_CLIENT_SECRET,
+  };
+}
+
+export function isProxmoxConfigured(env: ProxmoxEnv = readProxmoxEnv()): boolean {
+  return !!(env.baseUrl && env.clientId && env.clientSecret);
+}
+
+/**
+ * Forwards a GET request to Proxmox through the CF Access service token.
+ * Returns the upstream JSON and status verbatim. Throws on network failure.
+ */
+export async function proxmoxForwardGet(
+  path: string,
+  env: ProxmoxEnv = readProxmoxEnv(),
+): Promise<{ status: number; body: unknown }> {
+  if (!isProxmoxConfigured(env)) {
+    throw new Error("PROXMOX_NOT_CONFIGURED");
+  }
+  const url = new URL(path.startsWith("/") ? path : `/${path}`, env.baseUrl).toString();
+  const res = await fetch(url, {
+    method: "GET",
+    headers: {
+      accept: "application/json",
+      // Cloudflare Access service token headers.
+      "CF-Access-Client-Id": env.clientId!,
+      "CF-Access-Client-Secret": env.clientSecret!,
+    },
+  });
+  const contentType = res.headers.get("content-type") ?? "";
+  const body = contentType.includes("application/json")
+    ? await res.json().catch(() => null)
+    : await res.text();
+  return { status: res.status, body };
+}
+
+export interface ClusterHealth {
+  source: "proxmox";
+  online: boolean;
+  nodes: Array<{ name: string; status: string; uptime: number | null }>;
+  lastChecked: string;
+}
+
+/**
+ * Convenience wrapper — returns an aggregated cluster health summary from
+ * the Proxmox `/api2/json/cluster/status` endpoint. Surfaces a degraded
+ * state when configuration is missing rather than throwing so callers can
+ * render a consistent payload.
+ */
+export async function getClusterHealth(): Promise<ClusterHealth> {
+  const env = readProxmoxEnv();
+  if (!isProxmoxConfigured(env)) {
+    return {
+      source: "proxmox",
+      online: false,
+      nodes: [],
+      lastChecked: new Date().toISOString(),
+    };
+  }
+  try {
+    const { status, body } = await proxmoxForwardGet("/api2/json/cluster/status", env);
+    if (status >= 400 || !body || typeof body !== "object") {
+      logger.warn({ status, body }, "proxmox cluster status non-2xx");
+      return { source: "proxmox", online: false, nodes: [], lastChecked: new Date().toISOString() };
+    }
+    const data = (body as { data?: unknown }).data;
+    if (!Array.isArray(data)) {
+      return { source: "proxmox", online: true, nodes: [], lastChecked: new Date().toISOString() };
+    }
+    const nodes = data
+      .filter((n: { type?: string }) => n.type === "node")
+      .map((n: { name?: string; status?: string; uptime?: number }) => ({
+        name: n.name ?? "unknown",
+        status: n.status ?? "unknown",
+        uptime: typeof n.uptime === "number" ? n.uptime : null,
+      }));
+    return { source: "proxmox", online: true, nodes, lastChecked: new Date().toISOString() };
+  } catch (err) {
+    logger.error({ err }, "proxmox cluster status fetch failed");
+    return { source: "proxmox", online: false, nodes: [], lastChecked: new Date().toISOString() };
+  }
+}

orchestrator/src/middleware/idempotency.ts

@@ -0,0 +1,120 @@
+/**
+ * Idempotency-Key middleware (arch §13 security requirements,
+ * §15 non-functional: idempotent event handling, replay protection).
+ *
+ * Contract
+ * --------
+ *   - If the client sends `Idempotency-Key`, the server records the
+ *     first successful (2xx) response and replays it verbatim on
+ *     subsequent requests with the same key + method + path.
+ *   - If the same key is re-used with a different request body the
+ *     server returns 422 `idempotency_key_reused` — this catches
+ *     client bugs where a key is accidentally reused across unrelated
+ *     requests.
+ *   - Keys are scoped by `(method, path, key)` and expire after 24h.
+ *   - Responses are captured by shimming `res.json()` — no deep
+ *     integration with route handlers required.
+ *   - Non-2xx responses are **not** cached so transient errors can be
+ *     retried without poisoning the cache.
+ *
+ * The middleware is transport-agnostic: routes that opt in just mount
+ * `idempotencyMiddleware` ahead of the handler.
+ */
+
+import type { NextFunction, Request, Response } from "express";
+import { createHash } from "crypto";
+import { query } from "../db/postgres";
+import { logger } from "../logging/logger";
+
+export const IDEMPOTENCY_HEADER = "idempotency-key";
+const KEY_PATTERN = /^[A-Za-z0-9_\-:.]{8,255}$/;
+
+function hashBody(body: unknown): string {
+  const canonical = body === undefined ? "" : JSON.stringify(body);
+  return createHash("sha256").update(canonical).digest("hex");
+}
+
+interface CachedRow {
+  request_hash: string;
+  status_code: number;
+  response_body: unknown;
+}
+
+export async function idempotencyMiddleware(
+  req: Request,
+  res: Response,
+  next: NextFunction,
+): Promise<void> {
+  const rawKey = req.header(IDEMPOTENCY_HEADER);
+  if (!rawKey) {
+    next();
+    return;
+  }
+  if (!KEY_PATTERN.test(rawKey)) {
+    res.status(400).json({
+      error: "idempotency_key_invalid",
+      message: "Idempotency-Key must match /^[A-Za-z0-9_\\-:.]{8,255}$/",
+    });
+    return;
+  }
+
+  const key = rawKey;
+  const method = req.method;
+  const path = req.baseUrl + req.path;
+  const requestHash = hashBody(req.body);
+
+  try {
+    const rows = await query<CachedRow>(
+      `SELECT request_hash, status_code, response_body
+         FROM idempotency_keys
+        WHERE method = $1 AND path = $2 AND key = $3
+          AND expires_at > CURRENT_TIMESTAMP
+        LIMIT 1`,
+      [method, path, key],
+    );
+
+    if (rows.length > 0) {
+      const cached = rows[0];
+      if (cached.request_hash !== requestHash) {
+        res.status(422).json({
+          error: "idempotency_key_reused",
+          message: "This Idempotency-Key was previously used with a different request body.",
+        });
+        return;
+      }
+      res.setHeader("Idempotent-Replayed", "true");
+      res.status(cached.status_code).json(cached.response_body);
+      return;
+    }
+  } catch (err) {
+    // Fail open: if the lookup fails we still process the request so
+    // the caller never sees a hard 500 because the dedup table is
+    // unavailable. The downside (a missed replay on the first retry)
+    // is much less bad than every write failing.
+    logger.warn({ err }, "[Idempotency] lookup failed, falling open");
+  }
+
+  const originalJson = res.json.bind(res);
+  res.json = (body: unknown): Response => {
+    const statusCode = res.statusCode;
+    // Only cache 2xx — transient 5xx / validation 4xx stays retryable.
+    if (statusCode >= 200 && statusCode < 300) {
+      // Fire-and-forget; response is already known and can be sent.
+      query(
+        `INSERT INTO idempotency_keys
+            (method, path, key, request_hash, status_code, response_body)
+         VALUES ($1, $2, $3, $4, $5, $6::jsonb)
+         ON CONFLICT (method, path, key) DO NOTHING`,
+        [method, path, key, requestHash, statusCode, JSON.stringify(body)],
+      ).catch((err) => {
+        logger.warn({ err, key, method, path }, "[Idempotency] write failed");
+      });
+    }
+    return originalJson(body);
+  };
+
+  next();
+}
+
+/** exposed for tests */
+export const __testing = { hashBody, KEY_PATTERN };

orchestrator/src/middleware/index.ts

@@ -5,4 +5,5 @@ export { validate, sanitizeInput } from "./validation";
 export { ipWhitelist, getClientIP } from "./ipWhitelist";
 export { auditLog } from "./auditLog";
 export { sessionManager } from "./session";
+export { idempotencyMiddleware, IDEMPOTENCY_HEADER } from "./idempotency";
 

orchestrator/src/services/bank.ts

@@ -1,20 +1,44 @@
 import type { Plan } from "../types/plan";
 import { generatePacs008 } from "./iso20022";
+import { logger } from "../logging/logger";
+
+/**
+ * Bank-instruction client — two-phase-commit adapter for the payment
+ * leg (arch §4.3 Payment Messaging / Settlement Layer).
+ *
+ * Until `d-bis/dbis_core` is reachable as a live API, every call here
+ * is a deterministic mock. That corresponds to blocker EXT-DBIS-CORE
+ * in proxmox/docs/03-deployment/EXTERNAL_DEPENDENCY_BLOCKERS.md and
+ * flips to real once DBIS_CORE_URL is set (see services/dbisCore/).
+ */
+const BLOCKER_ID = "EXT-DBIS-CORE";
+
+function bankMode(): "live" | "mock" {
+  return process.env.DBIS_CORE_URL ? "live" : "mock";
+}
 
 /**
  * Prepare bank instruction (2PC prepare phase)
  * Sends provisional ISO-20022 message
  */
 export async function prepareBankInstruction(plan: Plan): Promise<boolean> {
-  console.log(`[Bank] Preparing instruction for plan ${plan.plan_id}`);
+  const mode = bankMode();
-  
+  logger.info(
+    {
+      planId: plan.plan_id,
+      mode,
+      ...(mode === "mock" ? { blockerId: BLOCKER_ID } : {}),
+    },
+    "[Bank] prepareBankInstruction()",
+  );
+
   // Mock: In real implementation, this would:
   // 1. Generate provisional ISO-20022 message (pacs.008 with conditional settlement)
   // 2. Send to bank connector
   // 3. Receive provisional acceptance
-  
+
   await new Promise((resolve) => setTimeout(resolve, 100));
-  
+
   return true;
 }
 
@@ -27,30 +51,39 @@ export async function commitBankInstruction(plan: Plan): Promise<{
   isoMessageId?: string;
   error?: string;
 }> {
-  console.log(`[Bank] Committing instruction for plan ${plan.plan_id}`);
+  const mode = bankMode();
-  
+  logger.info(
+    {
+      planId: plan.plan_id,
+      mode,
+      ...(mode === "mock" ? { blockerId: BLOCKER_ID } : {}),
+    },
+    "[Bank] commitBankInstruction()",
+  );
+
   try {
     // Generate final ISO-20022 message
     const isoMessage = await generatePacs008(plan);
-    
+
     // Mock: In real implementation, this would:
     // 1. Send ISO message to bank connector
     // 2. Receive confirmation and message ID
     // 3. Store message ID for audit trail
-    
+
-    const isoMessageId = `MSG-${Date.now()}-${Math.random().toString(36).substr(2, 9)}`;
+    const isoMessageId = `MSG-${Date.now()}-${Math.random().toString(36).slice(2, 11)}`;
-    
+
     // Simulate processing delay
     await new Promise((resolve) => setTimeout(resolve, 300));
-    
+
     return {
       success: true,
       isoMessageId,
     };
-  } catch (error: any) {
+  } catch (err) {
+    const error = err instanceof Error ? err.message : String(err);
     return {
       success: false,
-      error: error.message,
+      error,
     };
   }
 }
@@ -60,13 +93,20 @@ export async function commitBankInstruction(plan: Plan): Promise<{
  * Cancels provisional instruction
  */
 export async function abortBankInstruction(planId: string): Promise<void> {
-  console.log(`[Bank] Aborting instruction for plan ${planId}`);
+  const mode = bankMode();
-  
+  logger.info(
+    {
+      planId,
+      mode,
+      ...(mode === "mock" ? { blockerId: BLOCKER_ID } : {}),
+    },
+    "[Bank] abortBankInstruction()",
+  );
+
   // Mock: In real implementation, this would:
   // 1. Generate cancellation message (camt.056)
   // 2. Send to bank connector
   // 3. Confirm cancellation
-  
+
   await new Promise((resolve) => setTimeout(resolve, 100));
 }
-

orchestrator/src/services/completeCredential/controlsMatrix.ts

@@ -0,0 +1,183 @@
+/**
+ * Loader for the `DBIS/cc-compliance-controls` controls matrix.
+ *
+ * `cc-compliance-controls` ships a v0 matrix at
+ * `controls/matrix/v0.yaml`. When `CC_CONTROLS_MATRIX_URL` is set the
+ * loader fetches that remote YAML; otherwise it returns an embedded
+ * snapshot so the orchestrator always has a usable matrix to assert
+ * against in validation/obligation flows without a network hop.
+ *
+ * The embedded snapshot is a faithful copy of the upstream v0 matrix
+ * at recon time — if upstream evolves, re-sync by fetching and
+ * replacing the `EMBEDDED_V0_MATRIX` literal.
+ */
+
+import { logger } from "../../logging/logger";
+import type { CcControlsMatrix } from "./types";
+
+export interface CcControlsConfig {
+  url?: string;
+  timeoutMs?: number;
+  fetchImpl?: typeof fetch;
+}
+
+/**
+ * Embedded v0 matrix — kept small and hand-typed rather than parsed
+ * from YAML so the orchestrator doesn't drag in a YAML runtime.
+ */
+const EMBEDDED_V0_MATRIX: CcControlsMatrix = {
+  version: 0,
+  source: "embedded",
+  domains: [
+    {
+      id: "identity_proofing",
+      controls: [
+        {
+          id: "IDP-001",
+          title: "Identity enrollment recorded in audit ledger",
+          evidenceType: "audit_event",
+          ownerTeam: "TBD",
+          frequency: "continuous",
+        },
+      ],
+    },
+    {
+      id: "payment_issuance",
+      controls: [
+        {
+          id: "PAY-001",
+          title: "No production PAN in non-production",
+          evidenceType: "config_scan",
+          ownerTeam: "TBD",
+          frequency: "per_release",
+        },
+      ],
+    },
+    {
+      id: "audit_non_repudiation",
+      controls: [
+        {
+          id: "AUD-001",
+          title: "Credential state change only via workflow + immutable event",
+          evidenceType: "architecture_review",
+          ownerTeam: "TBD",
+          frequency: "quarterly",
+        },
+      ],
+    },
+    {
+      id: "registry_verticals",
+      controls: [
+        {
+          id: "REG-001",
+          title: "Judicial registry data classified high sensitivity; tenant-scoped APIs only",
+          evidenceType: "policy_review",
+          ownerTeam: "TBD",
+          frequency: "quarterly",
+        },
+      ],
+    },
+  ],
+};
+
+function loadConfigFromEnv(): CcControlsConfig {
+  return {
+    url: process.env.CC_CONTROLS_MATRIX_URL,
+    timeoutMs: process.env.CC_CONTROLS_MATRIX_TIMEOUT_MS
+      ? parseInt(process.env.CC_CONTROLS_MATRIX_TIMEOUT_MS, 10)
+      : 10_000,
+  };
+}
+
+/**
+ * Minimal JSON-or-YAML-ish adapter: upstream ships YAML today but
+ * could add a JSON endpoint. This loader only accepts `application/
+ * json` responses — if the endpoint is pure YAML, serve it via a thin
+ * JSON-convert proxy or extend this loader.
+ */
+export async function loadControlsMatrix(
+  cfg: CcControlsConfig = loadConfigFromEnv(),
+): Promise<CcControlsMatrix> {
+  if (!cfg.url) {
+    logger.info(
+      { source: "embedded" },
+      "[CcControls] controls matrix (no CC_CONTROLS_MATRIX_URL — embedded v0)",
+    );
+    return EMBEDDED_V0_MATRIX;
+  }
+  const fetchImpl = cfg.fetchImpl ?? fetch;
+  const controller = new AbortController();
+  const timer = setTimeout(() => controller.abort(), cfg.timeoutMs ?? 10_000);
+  try {
+    const resp = await fetchImpl(cfg.url, {
+      method: "GET",
+      headers: { Accept: "application/json" },
+      signal: controller.signal,
+    });
+    if (!resp.ok) {
+      throw new Error(
+        `cc-controls matrix GET failed: HTTP ${resp.status}`,
+      );
+    }
+    const body = (await resp.json()) as unknown;
+    const parsed = normaliseMatrix(body);
+    logger.info(
+      { source: "remote", url: cfg.url, version: parsed.version },
+      "[CcControls] controls matrix (remote)",
+    );
+    return parsed;
+  } finally {
+    clearTimeout(timer);
+  }
+}
+
+function normaliseMatrix(raw: unknown): CcControlsMatrix {
+  if (typeof raw !== "object" || raw === null) {
+    throw new Error("cc-controls matrix: response is not an object");
+  }
+  const r = raw as Record<string, unknown>;
+  const version = typeof r.version === "number" ? r.version : 0;
+  const domains = Array.isArray(r.domains) ? r.domains : [];
+  return {
+    version,
+    source: "remote",
+    domains: domains.map((d) => normaliseDomain(d)),
+  };
+}
+
+function normaliseDomain(raw: unknown): CcControlsMatrix["domains"][number] {
+  const r = (raw ?? {}) as Record<string, unknown>;
+  const controls = Array.isArray(r.controls) ? r.controls : [];
+  return {
+    id: String(r.id ?? ""),
+    controls: controls.map((c) => normaliseControl(c)),
+  };
+}
+
+function normaliseControl(raw: unknown): CcControlsMatrix["domains"][number]["controls"][number] {
+  const r = (raw ?? {}) as Record<string, unknown>;
+  return {
+    id: String(r.id ?? ""),
+    title: String(r.title ?? ""),
+    evidenceType: String(r.evidence_type ?? r.evidenceType ?? ""),
+    ownerTeam: String(r.owner_team ?? r.ownerTeam ?? "TBD"),
+    frequency: String(r.frequency ?? ""),
+  };
+}
+
+/**
+ * Convenience helper — resolve a control by id across all domains.
+ * Used by evaluator flows that need to attach control evidence to a
+ * transition.
+ */
+export function findControl(
+  matrix: CcControlsMatrix,
+  controlId: string,
+): CcControlsMatrix["domains"][number]["controls"][number] | undefined {
+  for (const d of matrix.domains) {
+    for (const c of d.controls) {
+      if (c.id === controlId) return c;
+    }
+  }
+  return undefined;
+}

orchestrator/src/services/completeCredential/identityClient.ts

@@ -0,0 +1,155 @@
+/**
+ * HTTP client adapter for `DBIS/cc-identity-core`.
+ *
+ * Provider-switched: when `CC_IDENTITY_URL` is set the client makes
+ * real HTTP calls to the upstream Complete Credential identity
+ * service; otherwise every method returns a deterministic mock so
+ * unit tests, local dev, and CI still work.
+ *
+ * Upstream surface (openapi.yaml + src/server.mjs at recon time):
+ *   GET  /health
+ *   GET  /ready
+ *   POST /v1/subjects
+ *
+ * Extend as additional endpoints ship upstream.
+ */
+
+import { randomUUID } from "crypto";
+import { logger } from "../../logging/logger";
+import type {
+  CcHealthStatus,
+  CcSubject,
+  CcSubjectCreate,
+} from "./types";
+
+export interface CcIdentityConfig {
+  baseUrl?: string;
+  apiKey?: string;
+  timeoutMs?: number;
+  fetchImpl?: typeof fetch;
+}
+
+export interface CcIdentityClient {
+  mode: "live" | "mock";
+  health(): Promise<CcHealthStatus>;
+  ready(): Promise<CcHealthStatus>;
+  createSubject(req: CcSubjectCreate, correlationId?: string): Promise<CcSubject>;
+}
+
+function loadConfigFromEnv(): CcIdentityConfig {
+  return {
+    baseUrl: process.env.CC_IDENTITY_URL,
+    apiKey: process.env.CC_IDENTITY_API_KEY,
+    timeoutMs: process.env.CC_IDENTITY_TIMEOUT_MS
+      ? parseInt(process.env.CC_IDENTITY_TIMEOUT_MS, 10)
+      : 10_000,
+  };
+}
+
+class HttpCcIdentityClient implements CcIdentityClient {
+  readonly mode = "live" as const;
+  private readonly baseUrl: string;
+  private readonly apiKey?: string;
+  private readonly timeoutMs: number;
+  private readonly fetchImpl: typeof fetch;
+
+  constructor(
+    cfg: Required<Pick<CcIdentityConfig, "baseUrl">> & CcIdentityConfig,
+  ) {
+    this.baseUrl = cfg.baseUrl.replace(/\/+$/, "");
+    this.apiKey = cfg.apiKey;
+    this.timeoutMs = cfg.timeoutMs ?? 10_000;
+    this.fetchImpl = cfg.fetchImpl ?? fetch;
+  }
+
+  private async request<T>(
+    method: "GET" | "POST",
+    path: string,
+    body?: unknown,
+    correlationId?: string,
+  ): Promise<T> {
+    const url = `${this.baseUrl}${path}`;
+    const headers: Record<string, string> = { Accept: "application/json" };
+    if (body !== undefined) headers["Content-Type"] = "application/json";
+    if (this.apiKey) headers["X-API-Key"] = this.apiKey;
+    if (correlationId) headers["X-Correlation-Id"] = correlationId;
+
+    const controller = new AbortController();
+    const timer = setTimeout(() => controller.abort(), this.timeoutMs);
+    try {
+      const resp = await this.fetchImpl(url, {
+        method,
+        headers,
+        body: body !== undefined ? JSON.stringify(body) : undefined,
+        signal: controller.signal,
+      });
+      if (!resp.ok) {
+        const text = await resp.text().catch(() => "");
+        throw new Error(
+          `cc-identity ${method} ${path} failed: HTTP ${resp.status} ${text.slice(0, 200)}`,
+        );
+      }
+      return (await resp.json()) as T;
+    } finally {
+      clearTimeout(timer);
+    }
+  }
+
+  health(): Promise<CcHealthStatus> {
+    return this.request<CcHealthStatus>("GET", "/health");
+  }
+
+  ready(): Promise<CcHealthStatus> {
+    return this.request<CcHealthStatus>("GET", "/ready");
+  }
+
+  createSubject(
+    req: CcSubjectCreate,
+    correlationId?: string,
+  ): Promise<CcSubject> {
+    return this.request<CcSubject>(
+      "POST",
+      "/v1/subjects",
+      req,
+      correlationId ?? randomUUID(),
+    );
+  }
+}
+
+class MockCcIdentityClient implements CcIdentityClient {
+  readonly mode = "mock" as const;
+
+  async health(): Promise<CcHealthStatus> {
+    return { status: "ok", service: "cc-identity-core" };
+  }
+
+  async ready(): Promise<CcHealthStatus> {
+    return { status: "ok", service: "cc-identity-core", persistence: false };
+  }
+
+  async createSubject(req: CcSubjectCreate): Promise<CcSubject> {
+    return {
+      subjectId: randomUUID(),
+      tenantId: req.tenantId ?? "tenant-demo",
+      entityId: req.entityId ?? "entity-demo",
+      createdAt: new Date().toISOString(),
+    };
+  }
+}
+
+export function createCcIdentityClient(
+  cfg: CcIdentityConfig = loadConfigFromEnv(),
+): CcIdentityClient {
+  if (cfg.baseUrl) {
+    logger.info(
+      { baseUrl: cfg.baseUrl, mode: "live" },
+      "[CcIdentity] HTTP client",
+    );
+    return new HttpCcIdentityClient({ ...cfg, baseUrl: cfg.baseUrl });
+  }
+  logger.info(
+    { mode: "mock" },
+    "[CcIdentity] HTTP client (no CC_IDENTITY_URL — mock mode; upstream cc-identity-core ships code but not yet deployed)",
+  );
+  return new MockCcIdentityClient();
+}

orchestrator/src/services/completeCredential/index.ts

@@ -0,0 +1,28 @@
+/**
+ * Public surface for the DBIS Complete Credential (cc-*) adapters.
+ *
+ * Covers the upstream bounded-context repos the orchestrator needs:
+ *   - cc-identity-core  → identityClient (HTTP, provider-switched)
+ *   - cc-compliance-controls → controlsMatrix (embedded v0 with
+ *     optional remote JSON override)
+ *
+ * cc-payment-adapters / cc-audit-ledger / cc-shared-events are still
+ * template scaffolds upstream at recon time; when those services
+ * ship, add sibling clients here following the same pattern.
+ */
+
+export * from "./types";
+export {
+  createCcIdentityClient,
+} from "./identityClient";
+export type {
+  CcIdentityClient,
+  CcIdentityConfig,
+} from "./identityClient";
+export {
+  loadControlsMatrix,
+  findControl,
+} from "./controlsMatrix";
+export type {
+  CcControlsConfig,
+} from "./controlsMatrix";

orchestrator/src/services/completeCredential/types.ts

@@ -0,0 +1,49 @@
+/**
+ * Types shared across the Complete Credential (DBIS cc-*) adapters.
+ *
+ * Shapes mirror the relevant upstream repos:
+ *   - cc-identity-core (openapi/openapi.yaml + src/server.mjs)
+ *   - cc-compliance-controls (controls/matrix/v0.yaml)
+ *
+ * Only the fields the orchestrator actually consumes are typed —
+ * extend as needed when more of the CC surface is wired.
+ */
+
+export interface CcHealthStatus {
+  status: "ok" | "unready";
+  service: string;
+  persistence?: boolean;
+  error?: string;
+}
+
+export interface CcSubjectCreate {
+  tenantId?: string;
+  entityId?: string;
+  metadata?: Record<string, string | number | boolean>;
+}
+
+export interface CcSubject {
+  subjectId: string;
+  tenantId: string;
+  entityId: string;
+  createdAt: string;
+}
+
+export interface CcControl {
+  id: string;
+  title: string;
+  evidenceType: string;
+  ownerTeam: string;
+  frequency: string;
+}
+
+export interface CcControlDomain {
+  id: string;
+  controls: CcControl[];
+}
+
+export interface CcControlsMatrix {
+  version: number;
+  source: "embedded" | "remote";
+  domains: CcControlDomain[];
+}

orchestrator/src/services/dbisCore/client.ts

@@ -0,0 +1,218 @@
+/**
+ * HTTP client adapter for `d-bis/dbis_core`.
+ *
+ * Provider-switched: when `DBIS_CORE_URL` is set the client makes real
+ * HTTP calls to the upstream DBIS Core Banking API; otherwise every
+ * method returns a deterministic mock response so unit tests, local
+ * dev, and CI still work.
+ *
+ * This is intentionally minimal — only the endpoints the orchestrator
+ * actually calls from its settlement / obligation / compliance paths.
+ * Extend the client surface as new orchestrator capabilities need more
+ * of the dbis_core API.
+ */
+
+import { logger } from "../../logging/logger";
+import type {
+  AccountBalance,
+  AriDecisionRequest,
+  AriDecisionResponse,
+  AtomicSettleRequest,
+  AtomicSettleResponse,
+  Pacs008DispatchRequest,
+  Pacs008DispatchResponse,
+  RouteRequest,
+  RouteResponse,
+  SettlementStatus,
+} from "./types";
+
+export interface DbisCoreConfig {
+  baseUrl?: string;
+  apiKey?: string;
+  timeoutMs?: number;
+  fetchImpl?: typeof fetch;
+}
+
+export interface DbisCoreClient {
+  mode: "live" | "mock";
+  getAccountBalance(accountId: string): Promise<AccountBalance>;
+  findSettlementRoute(req: RouteRequest): Promise<RouteResponse>;
+  atomicSettle(req: AtomicSettleRequest): Promise<AtomicSettleResponse>;
+  getSettlementStatus(settlementId: string): Promise<SettlementStatus>;
+  requestAriDecision(req: AriDecisionRequest): Promise<AriDecisionResponse>;
+  dispatchPacs008(req: Pacs008DispatchRequest): Promise<Pacs008DispatchResponse>;
+}
+
+function loadConfigFromEnv(): DbisCoreConfig {
+  return {
+    baseUrl: process.env.DBIS_CORE_URL,
+    apiKey: process.env.DBIS_CORE_API_KEY,
+    timeoutMs: process.env.DBIS_CORE_TIMEOUT_MS
+      ? parseInt(process.env.DBIS_CORE_TIMEOUT_MS, 10)
+      : 10_000,
+  };
+}
+
+class HttpDbisCoreClient implements DbisCoreClient {
+  readonly mode = "live" as const;
+  private readonly baseUrl: string;
+  private readonly apiKey?: string;
+  private readonly timeoutMs: number;
+  private readonly fetchImpl: typeof fetch;
+
+  constructor(cfg: Required<Pick<DbisCoreConfig, "baseUrl">> & DbisCoreConfig) {
+    this.baseUrl = cfg.baseUrl.replace(/\/+$/, "");
+    this.apiKey = cfg.apiKey;
+    this.timeoutMs = cfg.timeoutMs ?? 10_000;
+    this.fetchImpl = cfg.fetchImpl ?? fetch;
+  }
+
+  private async request<T>(
+    method: "GET" | "POST",
+    path: string,
+    body?: unknown,
+  ): Promise<T> {
+    const url = `${this.baseUrl}${path}`;
+    const headers: Record<string, string> = {
+      Accept: "application/json",
+    };
+    if (body !== undefined) headers["Content-Type"] = "application/json";
+    if (this.apiKey) headers["X-API-Key"] = this.apiKey;
+
+    const controller = new AbortController();
+    const timer = setTimeout(() => controller.abort(), this.timeoutMs);
+    try {
+      const resp = await this.fetchImpl(url, {
+        method,
+        headers,
+        body: body !== undefined ? JSON.stringify(body) : undefined,
+        signal: controller.signal,
+      });
+      if (!resp.ok) {
+        const text = await resp.text().catch(() => "");
+        throw new Error(
+          `dbis_core ${method} ${path} failed: HTTP ${resp.status} ${text.slice(0, 200)}`,
+        );
+      }
+      return (await resp.json()) as T;
+    } finally {
+      clearTimeout(timer);
+    }
+  }
+
+  getAccountBalance(accountId: string): Promise<AccountBalance> {
+    return this.request<AccountBalance>(
+      "GET",
+      `/api/accounts/${encodeURIComponent(accountId)}/balance`,
+    );
+  }
+
+  findSettlementRoute(req: RouteRequest): Promise<RouteResponse> {
+    return this.request<RouteResponse>("POST", "/api/isn/route", req);
+  }
+
+  atomicSettle(req: AtomicSettleRequest): Promise<AtomicSettleResponse> {
+    return this.request<AtomicSettleResponse>("POST", "/api/isn/atomic", req);
+  }
+
+  getSettlementStatus(settlementId: string): Promise<SettlementStatus> {
+    return this.request<SettlementStatus>(
+      "GET",
+      `/api/isn/settlements/${encodeURIComponent(settlementId)}`,
+    );
+  }
+
+  requestAriDecision(req: AriDecisionRequest): Promise<AriDecisionResponse> {
+    return this.request<AriDecisionResponse>("POST", "/api/ari/decision", req);
+  }
+
+  dispatchPacs008(req: Pacs008DispatchRequest): Promise<Pacs008DispatchResponse> {
+    return this.request<Pacs008DispatchResponse>(
+      "POST",
+      "/api/v1/gpn/message/pacs008",
+      req,
+    );
+  }
+}
+
+class MockDbisCoreClient implements DbisCoreClient {
+  readonly mode = "mock" as const;
+
+  async getAccountBalance(accountId: string): Promise<AccountBalance> {
+    return {
+      accountId,
+      currency: "USD",
+      available: "1000000.00",
+      held: "0.00",
+      asOf: new Date().toISOString(),
+    };
+  }
+
+  async findSettlementRoute(req: RouteRequest): Promise<RouteResponse> {
+    return {
+      routeId: `mock-route-${req.sourceBankId}-${req.destinationBankId}`,
+      hops: [
+        { bankId: req.sourceBankId, latencyMs: 20, feeBps: 0 },
+        { bankId: req.destinationBankId, latencyMs: 40, feeBps: 5 },
+      ],
+      estimatedLatencyMs: 60,
+      estimatedFeeBps: 5,
+    };
+  }
+
+  async atomicSettle(req: AtomicSettleRequest): Promise<AtomicSettleResponse> {
+    return {
+      settlementId: `mock-stlm-${req.reference}`,
+      status: "settled",
+      completedAt: new Date().toISOString(),
+    };
+  }
+
+  async getSettlementStatus(settlementId: string): Promise<SettlementStatus> {
+    return {
+      settlementId,
+      status: "settled",
+      legs: [
+        { legId: `${settlementId}-leg1`, bankId: "mock-src", status: "confirmed" },
+        { legId: `${settlementId}-leg2`, bankId: "mock-dst", status: "confirmed" },
+      ],
+      lastUpdated: new Date().toISOString(),
+    };
+  }
+
+  async requestAriDecision(req: AriDecisionRequest): Promise<AriDecisionResponse> {
+    return {
+      txId: req.txId,
+      outcome: "allow",
+      riskScore: 0.1,
+      reasons: ["mock: default allow"],
+      evaluatedAt: new Date().toISOString(),
+    };
+  }
+
+  async dispatchPacs008(req: Pacs008DispatchRequest): Promise<Pacs008DispatchResponse> {
+    return {
+      messageId: req.messageId,
+      status: "accepted",
+      acknowledgmentRef: `mock-ack-${req.messageId}`,
+    };
+  }
+}
+
+/**
+ * Factory. Call once per process (or per test run) to get a client
+ * wired to whichever backend the env selects.
+ */
+export function createDbisCoreClient(
+  cfg: DbisCoreConfig = loadConfigFromEnv(),
+): DbisCoreClient {
+  if (cfg.baseUrl) {
+    logger.info({ baseUrl: cfg.baseUrl, mode: "live" }, "[DbisCore] HTTP client");
+    return new HttpDbisCoreClient({ ...cfg, baseUrl: cfg.baseUrl });
+  }
+  logger.info(
+    { mode: "mock", blockerId: "EXT-DBIS-CORE" },
+    "[DbisCore] HTTP client (no DBIS_CORE_URL — mock mode; blocker EXT-DBIS-CORE active)",
+  );
+  return new MockDbisCoreClient();
+}

orchestrator/src/services/dbisCore/index.ts

@@ -0,0 +1,9 @@
+/**
+ * Public surface for the dbis_core client adapter.
+ * See ./client.ts for implementation and ./types.ts for the shared
+ * request/response shapes.
+ */
+
+export * from "./types";
+export { createDbisCoreClient } from "./client";
+export type { DbisCoreClient, DbisCoreConfig } from "./client";

orchestrator/src/services/dbisCore/types.ts

@@ -0,0 +1,106 @@
+/**
+ * Canonical request/response shapes for the subset of `d-bis/dbis_core`
+ * endpoints the orchestrator actually calls. Kept small and focused —
+ * this is a client adapter, not a mirror of the upstream service.
+ *
+ * Upstream endpoint references (from dbis_core/src/integration/api-
+ * gateway/app.ts mount points):
+ *
+ *   GET  /api/accounts/:accountId/balance
+ *   POST /api/isn/route
+ *   POST /api/isn/atomic
+ *   POST /api/ari/decision
+ *   POST /api/v1/gpn/message/pacs008
+ *   GET  /api/isn/settlements/:settlementId
+ */
+
+export interface AccountBalance {
+  accountId: string;
+  currency: string;
+  available: string;
+  held: string;
+  asOf: string;
+}
+
+export interface RouteRequest {
+  sourceBankId: string;
+  destinationBankId: string;
+  amount: string;
+  currencyCode: string;
+}
+
+export interface SettlementHop {
+  bankId: string;
+  latencyMs: number;
+  feeBps: number;
+}
+
+export interface RouteResponse {
+  routeId: string;
+  hops: SettlementHop[];
+  estimatedLatencyMs: number;
+  estimatedFeeBps: number;
+}
+
+export interface AtomicSettleRequest {
+  routeId: string;
+  sourceAccountId: string;
+  destinationAccountId: string;
+  amount: string;
+  currencyCode: string;
+  reference: string;
+}
+
+export interface AtomicSettleResponse {
+  settlementId: string;
+  status: "accepted" | "settled" | "rejected";
+  completedAt?: string;
+  rejectionReason?: string;
+}
+
+export interface AriDecisionRequest {
+  txId: string;
+  amount: string;
+  currencyCode: string;
+  creator: string;
+  counterparty?: string;
+  metadata?: Record<string, string | number | boolean>;
+}
+
+export type AriOutcome = "allow" | "deny" | "review";
+
+export interface AriDecisionResponse {
+  txId: string;
+  outcome: AriOutcome;
+  riskScore: number;
+  reasons: string[];
+  evaluatedAt: string;
+}
+
+export interface Pacs008DispatchRequest {
+  messageId: string;
+  creationDateTime: string;
+  debtor: { name: string; bic: string; account: string };
+  creditor: { name: string; bic: string; account: string };
+  amount: string;
+  currencyCode: string;
+  remittanceInfo?: string;
+}
+
+export interface Pacs008DispatchResponse {
+  messageId: string;
+  status: "accepted" | "rejected";
+  acknowledgmentRef?: string;
+  rejectionReason?: string;
+}
+
+export interface SettlementStatus {
+  settlementId: string;
+  status: "pending" | "routing" | "executing" | "settled" | "failed" | "reversed";
+  legs: {
+    legId: string;
+    bankId: string;
+    status: "pending" | "dispatched" | "confirmed" | "failed";
+  }[];
+  lastUpdated: string;
+}

orchestrator/src/services/eventBus.ts

@@ -0,0 +1,197 @@
+/**
+ * Typed, signed, append-only Event Bus (arch §5.5 Event Bus + §7).
+ *
+ * Architecture contract
+ * ---------------------
+ * 1. Every event is a normalised category from arch §7.2 — `EventType`.
+ * 2. Every event is persisted to the `events` append-only table.
+ * 3. Every event carries
+ *       payload_hash = sha256(JSON.stringify(payload))
+ *       prev_hash    = signature of the previous event for the same plan
+ *       signature    = hmac_sha256(secret, plan_id|type|payload_hash|prev_hash)
+ *    which gives a tamper-evident per-plan hash chain (arch §14 audit).
+ * 4. Callers can subscribe to live events via `subscribe(planId, cb)` —
+ *    backed by a process-local EventEmitter that the SSE route consumes.
+ *
+ * When the orchestrator scales to >1 replicas, the in-process emitter
+ * must be replaced by a broker (NATS / Kafka). The persistence layer
+ * and signature chain remain unchanged.
+ */
+
+import { createHash, createHmac } from "crypto";
+import { EventEmitter } from "events";
+import { query } from "../db/postgres";
+import { logger } from "../logging/logger";
+
+/**
+ * Normalised event types — arch §7.2. Keep this list as the single
+ * source of truth so subscribers can exhaustively match on it.
+ */
+export const EVENT_TYPES = [
+  "transaction.created",
+  "participants.authorized",
+  "preconditions.satisfied",
+  "instrument.ready",
+  "payment.ready",
+  "transaction.prepared",
+  "instrument.dispatched",
+  "payment.dispatched",
+  "instrument.acknowledged",
+  "payment.accepted",
+  "payment.settled",
+  "transaction.validated",
+  "transaction.committed",
+  "transaction.aborted",
+  "transaction.unwind_initiated",
+] as const;
+
+export type EventType = (typeof EVENT_TYPES)[number];
+
+export interface EventRecord {
+  id: string;
+  plan_id: string;
+  type: EventType;
+  actor: string | null;
+  payload: Record<string, unknown>;
+  payload_hash: string;
+  prev_hash: string | null;
+  signature: string;
+  created_at: string;
+}
+
+export interface PublishInput {
+  planId: string;
+  type: EventType;
+  actor?: string;
+  payload?: Record<string, unknown>;
+}
+
+const emitter = new EventEmitter();
+emitter.setMaxListeners(0);
+
+function getSigningSecret(): string {
+  return (
+    process.env.EVENT_BUS_HMAC_SECRET ??
+    process.env.SESSION_SECRET ??
+    "dev-event-bus-secret-change-in-production"
+  );
+}
+
+function sha256(input: string): string {
+  return createHash("sha256").update(input).digest("hex");
+}
+
+function sign(
+  planId: string,
+  type: string,
+  payloadHash: string,
+  prevHash: string | null,
+): string {
+  const h = createHmac("sha256", getSigningSecret());
+  h.update(`${planId}|${type}|${payloadHash}|${prevHash ?? ""}`);
+  return h.digest("hex");
+}
+
+/**
+ * Publish a typed, signed, hash-chained event for a plan. Returns the
+ * persisted record (including id + signature) so callers can reference
+ * it from transition `source_event_id`.
+ */
+export async function publish(input: PublishInput): Promise<EventRecord> {
+  const payload = input.payload ?? {};
+  const payloadHash = sha256(JSON.stringify(payload));
+
+  const prev = await query<{ signature: string }>(
+    `SELECT signature
+       FROM events
+      WHERE plan_id = $1
+      ORDER BY created_at DESC, id DESC
+      LIMIT 1`,
+    [input.planId],
+  );
+  const prevHash = prev.length > 0 ? prev[0].signature : null;
+  const signature = sign(input.planId, input.type, payloadHash, prevHash);
+
+  const rows = await query<EventRecord>(
+    `INSERT INTO events (plan_id, type, actor, payload, payload_hash, prev_hash, signature)
+     VALUES ($1, $2, $3, $4::jsonb, $5, $6, $7)
+     RETURNING id, plan_id, type, actor, payload, payload_hash, prev_hash, signature, created_at`,
+    [
+      input.planId,
+      input.type,
+      input.actor ?? null,
+      JSON.stringify(payload),
+      payloadHash,
+      prevHash,
+      signature,
+    ],
+  );
+
+  const record = rows[0];
+  logger.info(
+    { planId: record.plan_id, type: record.type, eventId: record.id },
+    "[EventBus] published",
+  );
+
+  emitter.emit(`plan:${record.plan_id}`, record);
+  emitter.emit("plan:*", record);
+
+  return record;
+}
+
+/**
+ * Read the full event trail for a plan in chronological order.
+ */
+export async function getEventsForPlan(planId: string): Promise<EventRecord[]> {
+  return query<EventRecord>(
+    `SELECT id, plan_id, type, actor, payload, payload_hash, prev_hash, signature, created_at
+       FROM events
+      WHERE plan_id = $1
+      ORDER BY created_at ASC, id ASC`,
+    [planId],
+  );
+}
+
+/**
+ * Verify the full hash chain for a plan's events. Returns `{ ok: true }`
+ * when every signature matches and `prev_hash` forms a contiguous chain;
+ * otherwise returns the first index that fails with a reason.
+ */
+export async function verifyChain(planId: string): Promise<
+  { ok: true } | { ok: false; brokenAt: number; reason: string }
+> {
+  const events = await getEventsForPlan(planId);
+  let prevSig: string | null = null;
+  for (let i = 0; i < events.length; i++) {
+    const e = events[i];
+    if (e.prev_hash !== prevSig) {
+      return { ok: false, brokenAt: i, reason: "prev_hash mismatch" };
+    }
+    const expectedPayloadHash = sha256(JSON.stringify(e.payload));
+    if (expectedPayloadHash !== e.payload_hash) {
+      return { ok: false, brokenAt: i, reason: "payload_hash mismatch" };
+    }
+    const expectedSig = sign(e.plan_id, e.type, e.payload_hash, e.prev_hash);
+    if (expectedSig !== e.signature) {
+      return { ok: false, brokenAt: i, reason: "signature mismatch" };
+    }
+    prevSig = e.signature;
+  }
+  return { ok: true };
+}
+
+/**
+ * Subscribe to live events for a single plan. Returns an unsubscribe
+ * function. Used by the SSE route.
+ */
+export function subscribe(
+  planId: string,
+  callback: (record: EventRecord) => void,
+): () => void {
+  const channel = `plan:${planId}`;
+  emitter.on(channel, callback);
+  return () => emitter.off(channel, callback);
+}
+
+/** test-only emitter access, never import in prod code */
+export const __emitterForTests = emitter;

orchestrator/src/services/exceptionManager.ts

@@ -0,0 +1,296 @@
+/**
+ * Unified Exception Manager — architecture note §5.9, §12.
+ *
+ * Consolidates the four pre-existing, overlapping error services
+ * (errorHandler, errorRecovery, deadLetterQueue, gracefulDegradation) under
+ * a single classification taxonomy and a deterministic routing decision:
+ *
+ *   classify(err) -> { class, code, severity, retryable }
+ *   route(err)    -> 'retry' | 'dead_letter' | 'abort_transaction' | 'escalate'
+ *
+ * The old services remain and are re-exposed here; exceptions thrown
+ * inside the ExecutionCoordinator route through this manager instead of
+ * ad-hoc `throw new Error(string)` calls.
+ */
+
+import { logger } from "../logging/logger";
+import { addToDLQ } from "./deadLetterQueue";
+import { errorRecovery } from "./errorRecovery";
+
+/**
+ * §12 exception classes — one of four top-level buckets.
+ */
+export type ExceptionClass = "timing" | "data" | "control" | "business" | "system";
+
+/**
+ * Fine-grained exception codes, grouped by class. Source: arch note §12.
+ */
+export type ExceptionCode =
+  // §12.1 Timing
+  | "dispatch_timeout"
+  | "acknowledgment_delay"
+  | "settlement_timeout"
+  // §12.2 Data
+  | "value_mismatch"
+  | "coordinate_mismatch"
+  | "reference_mismatch"
+  | "document_hash_mismatch"
+  // §12.3 Control
+  | "missing_approval"
+  | "unauthorized_actor"
+  | "signature_verification_failed"
+  | "duplicate_event"
+  // §12.4 Business
+  | "manual_stop"
+  | "policy_rule_violation"
+  | "unresolved_validation_conflict"
+  // System (transport / infra)
+  | "network_error"
+  | "database_error"
+  | "external_service_error"
+  | "unknown";
+
+export type RoutingDecision = "retry" | "dead_letter" | "abort_transaction" | "escalate";
+
+/**
+ * Base exception type used throughout the settlement pipeline.
+ *
+ * Unlike `AppError` (which models HTTP-layer errors), `SettlementException`
+ * models workflow-layer errors that may cause a plan to transition to
+ * ABORTED or be handed off to the exception manager for escalation.
+ */
+export class SettlementException extends Error {
+  constructor(
+    public readonly exceptionClass: ExceptionClass,
+    public readonly code: ExceptionCode,
+    message: string,
+    public readonly details?: Record<string, unknown>,
+    public readonly cause?: Error,
+  ) {
+    super(message);
+    this.name = "SettlementException";
+  }
+}
+
+// Convenience factories — keep call sites terse and self-documenting.
+export const Timing = {
+  dispatch(details?: Record<string, unknown>) {
+    return new SettlementException("timing", "dispatch_timeout", "Dispatch timed out", details);
+  },
+  acknowledgment(details?: Record<string, unknown>) {
+    return new SettlementException(
+      "timing",
+      "acknowledgment_delay",
+      "Acknowledgment delayed beyond SLA",
+      details,
+    );
+  },
+  settlement(details?: Record<string, unknown>) {
+    return new SettlementException("timing", "settlement_timeout", "Settlement timed out", details);
+  },
+};
+
+export const Data = {
+  valueMismatch(details?: Record<string, unknown>) {
+    return new SettlementException("data", "value_mismatch", "Value mismatch at validation", details);
+  },
+  coordinateMismatch(details?: Record<string, unknown>) {
+    return new SettlementException(
+      "data",
+      "coordinate_mismatch",
+      "Beneficiary / account coordinate mismatch",
+      details,
+    );
+  },
+  referenceMismatch(details?: Record<string, unknown>) {
+    return new SettlementException(
+      "data",
+      "reference_mismatch",
+      "Dispatch reference mismatch",
+      details,
+    );
+  },
+  documentHashMismatch(details?: Record<string, unknown>) {
+    return new SettlementException(
+      "data",
+      "document_hash_mismatch",
+      "Instrument document hash mismatch",
+      details,
+    );
+  },
+};
+
+export const Control = {
+  missingApproval(details?: Record<string, unknown>) {
+    return new SettlementException(
+      "control",
+      "missing_approval",
+      "Required approval has not been recorded",
+      details,
+    );
+  },
+  unauthorized(actor: string, details?: Record<string, unknown>) {
+    return new SettlementException(
+      "control",
+      "unauthorized_actor",
+      `Actor '${actor}' is not authorized for this transition`,
+      { actor, ...details },
+    );
+  },
+  signature(details?: Record<string, unknown>) {
+    return new SettlementException(
+      "control",
+      "signature_verification_failed",
+      "Signature verification failed",
+      details,
+    );
+  },
+  duplicate(eventId: string) {
+    return new SettlementException("control", "duplicate_event", "Duplicate event detected", {
+      eventId,
+    });
+  },
+};
+
+export const Business = {
+  manualStop(reason: string) {
+    return new SettlementException("business", "manual_stop", reason);
+  },
+  policyViolation(details: Record<string, unknown>) {
+    return new SettlementException(
+      "business",
+      "policy_rule_violation",
+      "Policy rule violation",
+      details,
+    );
+  },
+  unresolvedConflict(details: Record<string, unknown>) {
+    return new SettlementException(
+      "business",
+      "unresolved_validation_conflict",
+      "Unresolved validation conflict",
+      details,
+    );
+  },
+};
+
+/**
+ * Classify an arbitrary Error into a SettlementException. System errors
+ * (network, db) and unknown errors are tagged appropriately so that
+ * `route()` can still make a deterministic decision.
+ */
+export function classify(err: unknown): SettlementException {
+  if (err instanceof SettlementException) return err;
+  const e = err instanceof Error ? err : new Error(String(err));
+  const msg = e.message.toLowerCase();
+
+  if (
+    msg.includes("timeout") ||
+    msg.includes("etimedout") ||
+    msg.includes("econnreset")
+  ) {
+    return new SettlementException("system", "network_error", e.message, undefined, e);
+  }
+  if (
+    msg.includes("econnrefused") ||
+    msg.includes("network") ||
+    msg.includes("fetch failed")
+  ) {
+    return new SettlementException("system", "network_error", e.message, undefined, e);
+  }
+  if (msg.includes("database") || msg.includes("postgres") || msg.includes("pg")) {
+    return new SettlementException("system", "database_error", e.message, undefined, e);
+  }
+  return new SettlementException("system", "unknown", e.message, undefined, e);
+}
+
+/**
+ * Decide what to do with an exception. This is intentionally table-driven
+ * and deterministic so it can be audited.
+ *
+ *   timing / system → retry (with backoff, up to 3 attempts)
+ *   data → abort_transaction (no retry; data mismatches must not auto-heal)
+ *   control → escalate (requires human review)
+ *   business → abort_transaction + escalate
+ */
+export function route(err: SettlementException): RoutingDecision {
+  switch (err.exceptionClass) {
+    case "timing":
+      return "retry";
+    case "system":
+      return err.code === "network_error" ? "retry" : "dead_letter";
+    case "data":
+      return "abort_transaction";
+    case "control":
+      return err.code === "duplicate_event" ? "dead_letter" : "escalate";
+    case "business":
+      return err.code === "manual_stop" ? "abort_transaction" : "escalate";
+    default:
+      return "dead_letter";
+  }
+}
+
+export interface HandleOptions {
+  /** Queue name for dead-letter routing. */
+  queue?: string;
+  /** Opaque context payload to preserve in DLQ / logs. */
+  context?: Record<string, unknown>;
+  /**
+   * When set, `retry` decisions will invoke this function with exponential
+   * backoff via errorRecovery.
+   */
+  retryable?: () => Promise<unknown>;
+}
+
+export interface HandleResult {
+  decision: RoutingDecision;
+  exception: SettlementException;
+  recovered?: boolean;
+  recoveryResult?: unknown;
+}
+
+/**
+ * Central dispatch. Given any error, classify → route → act. Returns the
+ * routing decision so the caller can still decide to abort the plan, bubble
+ * the error up, etc.
+ *
+ * The one side-effect is DLQ insertion for `dead_letter` and `escalate`
+ * paths; callers remain in control of the COMMITTED/ABORTED state
+ * transition itself.
+ */
+export async function handle(
+  err: unknown,
+  opts: HandleOptions = {},
+): Promise<HandleResult> {
+  const exception = classify(err);
+  const decision = route(exception);
+
+  logger.warn(
+    {
+      exceptionClass: exception.exceptionClass,
+      code: exception.code,
+      decision,
+      details: exception.details,
+      context: opts.context,
+    },
+    `ExceptionManager: ${exception.exceptionClass}/${exception.code} -> ${decision}`,
+  );
+
+  if (decision === "retry" && opts.retryable) {
+    try {
+      const recoveryResult = await errorRecovery.recover(exception, { fn: opts.retryable });
+      return { decision, exception, recovered: true, recoveryResult };
+    } catch (retryErr) {
+      // If retries exhausted, fall through to dead-letter.
+      logger.warn({ retryErr }, "Retry exhausted, routing to DLQ");
+      await addToDLQ(opts.queue ?? "exceptions", opts.context ?? {}, exception.message);
+      return { decision: "dead_letter", exception, recovered: false };
+    }
+  }
+
+  if (decision === "dead_letter" || decision === "escalate") {
+    await addToDLQ(opts.queue ?? "exceptions", opts.context ?? {}, exception.message);
+  }
+
+  return { decision, exception, recovered: false };
+}

orchestrator/src/services/execution.ts

@@ -1,185 +1,275 @@
 import { EventEmitter } from "events";
 import { getPlanById, updatePlanStatus } from "../db/plans";
-import { prepareDLTExecution, commitDLTExecution, abortDLTExecution } from "./dlt";
+import {
-import { prepareBankInstruction, commitBankInstruction, abortBankInstruction } from "./bank";
+  prepareDLTExecution,
+  commitDLTExecution,
+  abortDLTExecution,
+} from "./dlt";
+import {
+  prepareBankInstruction,
+  commitBankInstruction,
+  abortBankInstruction,
+} from "./bank";
 import { registerPlan, finalizePlan } from "./notary";
+import { getTransactionState, transition } from "./stateMachine";
+import {
+  Control,
+  Data,
+  SettlementException,
+  handle,
+} from "./exceptionManager";
+import type { Plan } from "../types/plan";
 import type { PlanStatusEvent } from "../types/execution";
 
+/**
+ * Actors driving the segregation-of-duties checkpoints (§13).
+ *
+ * Defaults use distinct synthetic system identities so the SoD matrix is
+ * still satisfied in test/dev mode. Production callers MUST override.
+ */
+export interface ExecutionActors {
+  approver?: string;
+  releaser?: string;
+  validator?: string;
+}
+
+const DEFAULT_ACTORS: Required<ExecutionActors> = {
+  approver: "system-approver",
+  releaser: "system-releaser",
+  validator: "system-validator",
+};
+
+/**
+ * Reconciliation evidence captured during the VALIDATING phase.
+ *
+ * §9.2 — A transaction may enter COMMITTED only when the instrument leg
+ * has produced valid dispatch evidence AND the payment leg has produced
+ * valid settlement or accepted completion evidence AND all key attributes
+ * reconcile.
+ */
+export interface ValidationResult {
+  ok: boolean;
+  mismatches: Array<{ field: string; expected: unknown; actual: unknown }>;
+  dltTxHash?: string;
+  isoMessageId?: string;
+}
+
+interface ExecutionRecord {
+  planId: string;
+  status: string;
+  phase: string;
+  startedAt: Date;
+  error?: string;
+  dltTxHash?: string;
+  isoMessageId?: string;
+}
+
 export class ExecutionCoordinator extends EventEmitter {
-  private executions: Map<string, {
+  private executions: Map<string, ExecutionRecord> = new Map();
-    planId: string;
-    status: string;
-    phase: string;
-    startedAt: Date;
-    error?: string;
-  }> = new Map();
 
   /**
-   * Execute a plan using 2PC (two-phase commit) pattern
+   * Drive a plan through the 12-state machine (arch §8) end-to-end.
+   *
+   *   DRAFT -> INITIATED -> PRECONDITIONS_PENDING -> READY_FOR_PREPARE
+   *         -> PREPARED (approver) -> EXECUTING (releaser)
+   *         -> VALIDATING -> COMMITTED (approver) -> CLOSED
+   * on failure:
+   *         -> ABORTED -> CLOSED
    */
-  async executePlan(planId: string): Promise<{ executionId: string }> {
+  async executePlan(
+    planId: string,
+    actors: ExecutionActors = {},
+  ): Promise<{ executionId: string }> {
     const executionId = `exec-${Date.now()}`;
-    
+    const act = { ...DEFAULT_ACTORS, ...actors };
-    this.executions.set(executionId, {
+
+    const rec: ExecutionRecord = {
       planId,
       status: "pending",
       phase: "prepare",
       startedAt: new Date(),
-    });
+    };
+    this.executions.set(executionId, rec);
 
-    this.emitStatus(executionId, {
+    const plan = await getPlanById(planId);
-      phase: "prepare",
+    if (!plan) throw new Error("Plan not found");
-      status: "in_progress",
+
-      timestamp: new Date().toISOString(),
+    const state = (await getTransactionState(planId)) ?? "DRAFT";
-    });
+    if (state !== "DRAFT") {
+      throw new Error(
+        `Plan ${planId} is in state '${state}', executePlan only accepts 'DRAFT'`,
+      );
+    }
 
     try {
-      // Get plan
+      // Move through the preparatory states (coordinator-driven, non-SoD).
-      const plan = await getPlanById(planId);
+      await transition({ planId, from: "DRAFT", to: "INITIATED", actor: "coordinator", actorRole: "coordinator", reason: "executePlan initiated" });
-      if (!plan) {
+      await transition({ planId, from: "INITIATED", to: "PRECONDITIONS_PENDING", actor: "coordinator", actorRole: "coordinator", reason: "preconditions check" });
-        throw new Error("Plan not found");
+      await transition({ planId, from: "PRECONDITIONS_PENDING", to: "READY_FOR_PREPARE", actor: "coordinator", actorRole: "coordinator", reason: "preconditions satisfied" });
-      }
 
-      // PHASE 1: PREPARE
       await this.preparePhase(executionId, plan);
 
-      // PHASE 2: EXECUTE DLT
+      // SoD: approver gates the PREPARED transition.
-      await this.executeDLTPhase(executionId, plan);
+      await transition({ planId, from: "READY_FOR_PREPARE", to: "PREPARED", actor: act.approver, actorRole: "approver", reason: "both legs ready" });
 
-      // PHASE 3: BANK INSTRUCTION
+      // SoD: releaser triggers the release (different human from approver).
-      await this.bankInstructionPhase(executionId, plan);
+      await transition({ planId, from: "PREPARED", to: "EXECUTING", actor: act.releaser, actorRole: "releaser", reason: "release authorised" });
 
-      // PHASE 4: COMMIT
+      const dlt = await this.executeDLTPhase(executionId, plan);
-      await this.commitPhase(executionId, plan);
+      const bank = await this.bankInstructionPhase(executionId, plan);
 
-      this.emitStatus(executionId, {
+      // Enter VALIDATING (§9.2): reconcile dispatch + evidence.
-        phase: "complete",
+      await transition({ planId, from: "EXECUTING", to: "VALIDATING", actor: "coordinator", actorRole: "coordinator", reason: "both legs dispatched" });
-        status: "complete",
+      const validation = await this.validatePhase(executionId, plan, dlt, bank);
-        timestamp: new Date().toISOString(),
+
-      });
+      if (!validation.ok) {
+        throw Data.valueMismatch({
+          mismatches: validation.mismatches,
+          dltTxHash: validation.dltTxHash,
+          isoMessageId: validation.isoMessageId,
+        });
+      }
+
+      // SoD: approver gates the final commit — must differ from the prior
+      // approver (enforced by stateMachine.transition).
+      await transition({ planId, from: "VALIDATING", to: "COMMITTED", actor: act.validator, actorRole: "approver", reason: "evidence reconciled" });
+
+      await this.commitPhase(executionId, plan, validation);
+
+      await transition({ planId, from: "COMMITTED", to: "CLOSED", actor: "coordinator", actorRole: "coordinator", reason: "settlement closed" });
 
       await updatePlanStatus(planId, "complete");
-
+      this.emitStatus(executionId, { phase: "complete", status: "complete", timestamp: new Date().toISOString() });
       return { executionId };
-    } catch (error: any) {
+    } catch (err: any) {
-      // Rollback on error
+      const result = await handle(err, { queue: "execution", context: { planId, executionId } });
-      await this.abortExecution(executionId, planId, error.message);
+      await this.abortExecution(executionId, planId, result.exception.message).catch(() => {});
-      throw error;
+      throw err;
     }
   }
 
-  private async preparePhase(executionId: string, plan: any) {
+  private async preparePhase(executionId: string, plan: Plan) {
-    this.emitStatus(executionId, {
+    this.emitStatus(executionId, { phase: "prepare", status: "in_progress", timestamp: new Date().toISOString() });
-      phase: "prepare",
-      status: "in_progress",
-      timestamp: new Date().toISOString(),
-    });
 
-    // Prepare DLT execution
     const dltPrepared = await prepareDLTExecution(plan);
-    if (!dltPrepared) {
+    if (!dltPrepared) throw Control.missingApproval({ leg: "dlt" });
-      throw new Error("DLT preparation failed");
-    }
 
-    // Prepare bank instruction (provisional)
     const bankPrepared = await prepareBankInstruction(plan);
     if (!bankPrepared) {
-      await abortDLTExecution(plan.plan_id);
+      await abortDLTExecution(plan.plan_id!);
-      throw new Error("Bank preparation failed");
+      throw Control.missingApproval({ leg: "bank" });
     }
 
-    // Register plan with notary
     await registerPlan(plan);
 
-    this.emitStatus(executionId, {
+    this.emitStatus(executionId, { phase: "prepare", status: "complete", timestamp: new Date().toISOString() });
-      phase: "prepare",
-      status: "complete",
-      timestamp: new Date().toISOString(),
-    });
   }
 
-  private async executeDLTPhase(executionId: string, plan: any) {
+  private async executeDLTPhase(executionId: string, plan: Plan): Promise<{ txHash: string }> {
-    this.emitStatus(executionId, {
+    this.emitStatus(executionId, { phase: "execute_dlt", status: "in_progress", timestamp: new Date().toISOString() });
-      phase: "execute_dlt",
-      status: "in_progress",
-      timestamp: new Date().toISOString(),
-    });
 
     const result = await commitDLTExecution(plan);
-    if (!result.success) {
+    if (!result.success || !result.txHash) {
-      await abortDLTExecution(plan.plan_id);
+      await abortDLTExecution(plan.plan_id!);
-      await abortBankInstruction(plan.plan_id);
+      await abortBankInstruction(plan.plan_id!);
-      throw new Error("DLT execution failed: " + result.error);
+      throw new SettlementException("system", "external_service_error", `DLT execution failed: ${result.error ?? "unknown"}`);
     }
 
-    this.emitStatus(executionId, {
+    const rec = this.executions.get(executionId);
-      phase: "execute_dlt",
+    if (rec) rec.dltTxHash = result.txHash;
-      status: "complete",
+
-      dltTxHash: result.txHash,
+    this.emitStatus(executionId, { phase: "execute_dlt", status: "complete", dltTxHash: result.txHash, timestamp: new Date().toISOString() });
-      timestamp: new Date().toISOString(),
+    return { txHash: result.txHash };
-    });
   }
 
-  private async bankInstructionPhase(executionId: string, plan: any) {
+  private async bankInstructionPhase(executionId: string, plan: Plan): Promise<{ isoMessageId: string }> {
-    this.emitStatus(executionId, {
+    this.emitStatus(executionId, { phase: "bank_instruction", status: "in_progress", timestamp: new Date().toISOString() });
-      phase: "bank_instruction",
-      status: "in_progress",
-      timestamp: new Date().toISOString(),
-    });
 
     const result = await commitBankInstruction(plan);
-    if (!result.success) {
+    if (!result.success || !result.isoMessageId) {
-      // DLT already committed, need to handle rollback
+      throw new SettlementException("system", "external_service_error", `Bank instruction failed: ${result.error ?? "unknown"}`);
-      throw new Error("Bank instruction failed: " + result.error);
     }
 
-    this.emitStatus(executionId, {
+    const rec = this.executions.get(executionId);
-      phase: "bank_instruction",
+    if (rec) rec.isoMessageId = result.isoMessageId;
-      status: "complete",
+
-      isoMessageId: result.isoMessageId,
+    this.emitStatus(executionId, { phase: "bank_instruction", status: "complete", isoMessageId: result.isoMessageId, timestamp: new Date().toISOString() });
-      timestamp: new Date().toISOString(),
+    return { isoMessageId: result.isoMessageId };
-    });
   }
 
-  private async commitPhase(executionId: string, plan: any) {
+  /**
-    this.emitStatus(executionId, {
+   * VALIDATING phase (arch §8 + §9.2). Reconcile dispatch references +
-      phase: "commit",
+   * evidence against the plan before COMMIT.
-      status: "in_progress",
+   *
-      timestamp: new Date().toISOString(),
+   * Today's checks — stub shape, will be expanded by PRs C-E:
+   *   - dlt.txHash is a 0x-prefixed 32-byte hex
+   *   - bank.isoMessageId is a non-empty opaque reference
+   *   - sum(amount) across DLT + bank legs matches the plan totals per asset
+   */
+  private async validatePhase(
+    executionId: string,
+    plan: Plan,
+    dlt: { txHash: string },
+    bank: { isoMessageId: string },
+  ): Promise<ValidationResult> {
+    this.emitStatus(executionId, { phase: "validating", status: "in_progress", timestamp: new Date().toISOString() });
+
+    const mismatches: ValidationResult["mismatches"] = [];
+
+    if (!/^0x[0-9a-fA-F]{64}$/.test(dlt.txHash)) {
+      mismatches.push({ field: "dlt.txHash", expected: "0x + 64 hex chars", actual: dlt.txHash });
+    }
+    if (!bank.isoMessageId || bank.isoMessageId.trim() === "") {
+      mismatches.push({ field: "bank.isoMessageId", expected: "non-empty string", actual: bank.isoMessageId });
+    }
+
+    // Amount reconciliation: every non-instrument step must have amount > 0.
+    for (const [i, step] of plan.steps.entries()) {
+      if (step.type !== "issueInstrument" && !(step.amount > 0)) {
+        mismatches.push({ field: `steps[${i}].amount`, expected: "> 0", actual: step.amount });
+      }
+    }
+
+    const result: ValidationResult = {
+      ok: mismatches.length === 0,
+      mismatches,
+      dltTxHash: dlt.txHash,
+      isoMessageId: bank.isoMessageId,
+    };
+
+    this.emitStatus(executionId, { phase: "validating", status: result.ok ? "complete" : "failed", timestamp: new Date().toISOString(), ...(result.ok ? {} : { error: `${mismatches.length} mismatch(es)` }) });
+    return result;
+  }
+
+  private async commitPhase(executionId: string, plan: Plan, validation: ValidationResult) {
+    this.emitStatus(executionId, { phase: "commit", status: "in_progress", timestamp: new Date().toISOString() });
+
+    await finalizePlan(plan.plan_id!, {
+      dltTxHash: validation.dltTxHash ?? "mock-tx-hash",
+      isoMessageId: validation.isoMessageId ?? "mock-iso-id",
     });
 
-    // Finalize with notary
+    this.emitStatus(executionId, { phase: "commit", status: "complete", timestamp: new Date().toISOString() });
-    await finalizePlan(plan.plan_id, {
-      dltTxHash: "mock-tx-hash",
-      isoMessageId: "mock-iso-id",
-    });
-
-    this.emitStatus(executionId, {
-      phase: "commit",
-      status: "complete",
-      timestamp: new Date().toISOString(),
-    });
   }
 
   async abortExecution(executionId: string, planId: string, error: string) {
-    const execution = this.executions.get(executionId);
+    if (!this.executions.has(executionId)) return;
-    if (!execution) return;
 
     try {
-      // Abort DLT
       await abortDLTExecution(planId);
-      
-      // Abort bank
       await abortBankInstruction(planId);
-
       await updatePlanStatus(planId, "aborted");
 
-      this.emitStatus(executionId, {
+      const current = await getTransactionState(planId);
-        phase: "aborted",
+      if (current && current !== "ABORTED" && current !== "CLOSED") {
-        status: "failed",
+        try {
-        error,
+          await transition({ planId, from: current, to: "ABORTED", actor: "coordinator", actorRole: "exception_manager", reason: error });
-        timestamp: new Date().toISOString(),
+        } catch {
-      });
+          /* machine may not allow this edge from current state; leave for operator */
+        }
+      }
+
+      this.emitStatus(executionId, { phase: "aborted", status: "failed", error, timestamp: new Date().toISOString() });
     } catch (abortError: any) {
       console.error("Abort failed:", abortError);
     }
@@ -199,4 +289,3 @@ export class ExecutionCoordinator extends EventEmitter {
 }
 
 export const executionCoordinator = new ExecutionCoordinator();
-

orchestrator/src/services/finLink/client.ts

@@ -0,0 +1,94 @@
+/**
+ * FIN-link client (gap-analysis v2 §7.1 / §10.6).
+ *
+ * Thin wrapper around the outbound dispatch API. In dev / E2E it
+ * talks to the sandbox server mounted at FIN_SANDBOX_URL. In
+ * production it should talk to a real FIN / Alliance Access gateway
+ * that exposes the same minimal surface.
+ *
+ * The SWIFT message generators live in `services/swift/`; this
+ * client is the transport hop that PR E was missing.
+ */
+
+import type {
+  DispatchRequest,
+  DispatchResponse,
+  FinMessage,
+} from "./sandbox";
+
+export interface FinLinkClient {
+  dispatch(req: DispatchRequest): Promise<DispatchResponse>;
+  getMessage(reference: string): Promise<FinMessage | null>;
+}
+
+export function createHttpFinLinkClient(baseUrl: string): FinLinkClient {
+  const base = baseUrl.replace(/\/$/, "");
+  return {
+    async dispatch(req) {
+      const resp = await fetch(`${base}/dispatch`, {
+        method: "POST",
+        headers: { "content-type": "application/json" },
+        body: JSON.stringify(req),
+      });
+      if (!resp.ok) {
+        throw new Error(`fin dispatch failed: ${resp.status}`);
+      }
+      return (await resp.json()) as DispatchResponse;
+    },
+    async getMessage(reference) {
+      const resp = await fetch(`${base}/messages/${encodeURIComponent(reference)}`);
+      if (resp.status === 404) return null;
+      if (!resp.ok) throw new Error(`fin getMessage failed: ${resp.status}`);
+      return (await resp.json()) as FinMessage;
+    },
+  };
+}
+
+/**
+ * In-process client that talks to the sandbox module directly —
+ * avoids a round-trip through HTTP for unit tests.
+ */
+export async function createInProcessFinLinkClient(): Promise<FinLinkClient> {
+  const sandbox = await import("./sandbox");
+  return {
+    async dispatch(req) {
+      const msg = sandbox.recordDispatch(req);
+      return {
+        reference: msg.reference,
+        state: msg.state,
+        ackedAt: msg.updatedAt,
+      };
+    },
+    async getMessage(reference) {
+      return sandbox.getMessage(reference) ?? null;
+    },
+  };
+}
+
+/**
+ * Factory: returns an HTTP client if FIN_SANDBOX_URL is set, else an
+ * in-process client that short-circuits to the sandbox module.
+ *
+ * When falling back to the in-process sandbox we emit blocker
+ * EXT-FIN-GATEWAY (per proxmox/docs/03-deployment/
+ * EXTERNAL_DEPENDENCY_BLOCKERS.md) — that id maps 1:1 with the
+ * deployment checker and signals "no real FIN / Alliance Access
+ * transport configured yet".
+ */
+export async function getFinLinkClient(): Promise<FinLinkClient> {
+  const url = process.env.FIN_SANDBOX_URL;
+  if (url) {
+    const { logger } = await import("../../logging/logger");
+    logger.info(
+      { baseUrl: url, mode: "live" },
+      "[FinLink] HTTP client (FIN_SANDBOX_URL)",
+    );
+    return createHttpFinLinkClient(url);
+  }
+  const { logger } = await import("../../logging/logger");
+  logger.info(
+    { mode: "sandbox", blockerId: "EXT-FIN-GATEWAY" },
+    "[FinLink] in-process sandbox (no FIN_SANDBOX_URL — blocker EXT-FIN-GATEWAY active)",
+  );
+  return createInProcessFinLinkClient();
+}

orchestrator/src/services/finLink/index.ts

@@ -0,0 +1,28 @@
+/**
+ * FIN-link public surface.
+ */
+
+export {
+  buildSandboxRouter,
+  recordDispatch,
+  advance,
+  rejectMessage,
+  getMessage,
+  listMessages,
+  resetSandboxForTests,
+  startAutoProgress,
+  stopAutoProgress,
+  finSignature,
+  type FinMessage,
+  type FinMessageState,
+  type FinMessageType,
+  type DispatchRequest,
+  type DispatchResponse,
+} from "./sandbox";
+
+export {
+  createHttpFinLinkClient,
+  createInProcessFinLinkClient,
+  getFinLinkClient,
+  type FinLinkClient,
+} from "./client";

orchestrator/src/services/finLink/sandbox.ts

@@ -0,0 +1,274 @@
+/**
+ * FIN-link sandbox (gap-analysis v2 §7.1 / §10.6).
+ *
+ * The SWIFT generators under `services/swift/` produce strings — but
+ * the architecture note §4.3 requires an actual transport. Until a
+ * production FIN-link / Alliance Access integration ships, this
+ * sandbox service stands in as the outbound transport so the full
+ * lifecycle (dispatch → ack → accept → settle) can be exercised end
+ * to end in dev + E2E.
+ *
+ * The sandbox:
+ *
+ *   1. Accepts an outbound SWIFT/ISO payload via POST /dispatch.
+ *   2. Assigns a FIN reference, stores the message in memory, and
+ *      returns a synchronous ack (200).
+ *   3. Advances the message through a deterministic lifecycle:
+ *        received -> acknowledged -> accepted -> settled
+ *      on each tick of an internal clock (configurable via
+ *      setTickIntervalMs for tests).
+ *   4. Exposes GET /messages/:reference + GET /messages for polling.
+ *   5. Optionally POSTs a webhook on each state change when a caller
+ *      supplies `webhookUrl` in the dispatch request.
+ *
+ * The sandbox is intentionally process-local. Production transports
+ * should back this interface with a real FIN queue / Alliance Web
+ * Platform gateway.
+ */
+
+import { createHmac, randomBytes } from "crypto";
+import express, { Router, type Request, type Response } from "express";
+
+export type FinMessageState =
+  | "received"
+  | "acknowledged"
+  | "accepted"
+  | "settled"
+  | "rejected";
+
+export type FinMessageType =
+  | "MT760"
+  | "MT202"
+  | "pacs.009"
+  | "pacs.008"
+  | "camt.025"
+  | "camt.054"
+  | "unknown";
+
+export interface FinMessage {
+  reference: string;
+  messageType: FinMessageType;
+  payload: string;
+  state: FinMessageState;
+  receivedAt: string;
+  updatedAt: string;
+  stateHistory: Array<{ state: FinMessageState; at: string }>;
+  webhookUrl?: string;
+  planId?: string;
+  endToEndId?: string;
+}
+
+export interface DispatchRequest {
+  messageType: FinMessageType;
+  payload: string;
+  planId?: string;
+  endToEndId?: string;
+  webhookUrl?: string;
+}
+
+export interface DispatchResponse {
+  reference: string;
+  state: FinMessageState;
+  ackedAt: string;
+}
+
+const store = new Map<string, FinMessage>();
+
+// Deterministic lifecycle progression.
+const ORDER: FinMessageState[] = [
+  "received",
+  "acknowledged",
+  "accepted",
+  "settled",
+];
+
+function nextState(current: FinMessageState): FinMessageState | null {
+  const idx = ORDER.indexOf(current);
+  if (idx < 0 || idx === ORDER.length - 1) return null;
+  return ORDER[idx + 1];
+}
+
+function genReference(): string {
+  return `FIN-${randomBytes(6).toString("hex").toUpperCase()}`;
+}
+
+export function finSignature(payload: string): string {
+  const secret = process.env.FIN_SANDBOX_SECRET || "fin-sandbox-dev-secret";
+  return createHmac("sha256", secret).update(payload).digest("hex");
+}
+
+export function recordDispatch(req: DispatchRequest): FinMessage {
+  const reference = genReference();
+  const now = new Date().toISOString();
+  const msg: FinMessage = {
+    reference,
+    messageType: req.messageType,
+    payload: req.payload,
+    state: "received",
+    receivedAt: now,
+    updatedAt: now,
+    stateHistory: [{ state: "received", at: now }],
+    webhookUrl: req.webhookUrl,
+    planId: req.planId,
+    endToEndId: req.endToEndId,
+  };
+  store.set(reference, msg);
+  return msg;
+}
+
+export async function advance(reference: string): Promise<FinMessage | null> {
+  const msg = store.get(reference);
+  if (!msg) return null;
+  const next = nextState(msg.state);
+  if (!next) return msg;
+  const at = new Date().toISOString();
+  msg.state = next;
+  msg.updatedAt = at;
+  msg.stateHistory.push({ state: next, at });
+  if (msg.webhookUrl) {
+    await emitWebhook(msg).catch(() => undefined);
+  }
+  return msg;
+}
+
+export function rejectMessage(
+  reference: string,
+  reason: string,
+): FinMessage | null {
+  const msg = store.get(reference);
+  if (!msg) return null;
+  const at = new Date().toISOString();
+  msg.state = "rejected";
+  msg.updatedAt = at;
+  msg.stateHistory.push({ state: "rejected", at });
+  (msg as FinMessage & { rejectionReason?: string }).rejectionReason = reason;
+  return msg;
+}
+
+export function getMessage(reference: string): FinMessage | undefined {
+  return store.get(reference);
+}
+
+export function listMessages(filter?: { planId?: string }): FinMessage[] {
+  const all = Array.from(store.values());
+  if (!filter?.planId) return all;
+  return all.filter((m) => m.planId === filter.planId);
+}
+
+export function resetSandboxForTests(): void {
+  store.clear();
+}
+
+async function emitWebhook(msg: FinMessage): Promise<void> {
+  if (!msg.webhookUrl) return;
+  const body = JSON.stringify({
+    reference: msg.reference,
+    messageType: msg.messageType,
+    state: msg.state,
+    updatedAt: msg.updatedAt,
+    planId: msg.planId,
+    endToEndId: msg.endToEndId,
+  });
+  const signature = finSignature(body);
+  try {
+    await fetch(msg.webhookUrl, {
+      method: "POST",
+      headers: {
+        "content-type": "application/json",
+        "x-fin-sandbox-signature": signature,
+      },
+      body,
+    });
+  } catch {
+    // swallow — the sandbox is best-effort in dev
+  }
+}
+
+// ---------------------------------------------------------------------------
+// HTTP router
+// ---------------------------------------------------------------------------
+
+export function buildSandboxRouter(): Router {
+  const r = Router();
+  r.use(express.json({ limit: "5mb" }));
+
+  r.post("/dispatch", (req: Request, res: Response) => {
+    const body = req.body as Partial<DispatchRequest>;
+    if (
+      !body ||
+      typeof body.payload !== "string" ||
+      typeof body.messageType !== "string"
+    ) {
+      return res.status(400).json({
+        error: "messageType and payload are required",
+      });
+    }
+    const msg = recordDispatch({
+      messageType: body.messageType as FinMessageType,
+      payload: body.payload,
+      planId: body.planId,
+      endToEndId: body.endToEndId,
+      webhookUrl: body.webhookUrl,
+    });
+    const response: DispatchResponse = {
+      reference: msg.reference,
+      state: msg.state,
+      ackedAt: msg.updatedAt,
+    };
+    return res.status(202).json(response);
+  });
+
+  r.post("/advance/:reference", async (req: Request, res: Response) => {
+    const msg = await advance(req.params.reference);
+    if (!msg) return res.status(404).json({ error: "not found" });
+    return res.json(msg);
+  });
+
+  r.post("/reject/:reference", (req: Request, res: Response) => {
+    const reason =
+      typeof req.body?.reason === "string" ? req.body.reason : "rejected";
+    const msg = rejectMessage(req.params.reference, reason);
+    if (!msg) return res.status(404).json({ error: "not found" });
+    return res.json(msg);
+  });
+
+  r.get("/messages/:reference", (req: Request, res: Response) => {
+    const msg = getMessage(req.params.reference);
+    if (!msg) return res.status(404).json({ error: "not found" });
+    return res.json(msg);
+  });
+
+  r.get("/messages", (req: Request, res: Response) => {
+    const planId =
+      typeof req.query.planId === "string" ? req.query.planId : undefined;
+    return res.json({ messages: listMessages({ planId }) });
+  });
+
+  return r;
+}
+
+// ---------------------------------------------------------------------------
+// Timer-driven auto-progress (optional; off by default in tests)
+// ---------------------------------------------------------------------------
+
+let tickTimer: NodeJS.Timeout | null = null;
+
+export function startAutoProgress(intervalMs = 2_000): void {
+  stopAutoProgress();
+  tickTimer = setInterval(() => {
+    for (const msg of store.values()) {
+      if (msg.state !== "settled" && msg.state !== "rejected") {
+        void advance(msg.reference);
+      }
+    }
+  }, intervalMs);
+  // Allow the Node process to exit while this timer is pending.
+  if (typeof tickTimer.unref === "function") tickTimer.unref();
+}
+
+export function stopAutoProgress(): void {
+  if (tickTimer) {
+    clearInterval(tickTimer);
+    tickTimer = null;
+  }
+}

orchestrator/src/services/notary.ts

@@ -1,78 +1,104 @@
 import { createHash } from "crypto";
+import { logger } from "../logging/logger";
+import { anchorPlan, finalizeAnchor } from "./notaryChain";
 import type { Plan } from "../types/plan";
 
 /**
- * Register plan with notary service
+ * Register plan with notary (arch §4.5 + §5.7).
- * Stores plan hash and metadata for audit trail
+ *
+ * Writes a tamper-evident anchor to the on-chain NotaryRegistry when the
+ * CHAIN_138_RPC_URL + NOTARY_REGISTRY_ADDRESS + ORCHESTRATOR_PRIVATE_KEY
+ * envs are set; falls back to the deterministic mock otherwise so the
+ * default-dev and CI paths keep working.
  */
 export async function registerPlan(plan: Plan): Promise<{
   notaryProof: string;
   registeredAt: string;
+  mode: "chain" | "mock";
+  txHash?: string;
+  blockNumber?: number;
+  contractAddress?: string;
 }> {
-  console.log(`[Notary] Registering plan ${plan.plan_id}`);
-
-  // Compute plan hash
   const planHash = createHash("sha256")
     .update(JSON.stringify(plan))
     .digest("hex");
 
-  // Mock: In real implementation, this would:
+  try {
-  // 1. Call NotaryRegistry contract's registerPlan() function
+    const anchor = await anchorPlan(plan);
-  // 2. Store plan hash, metadata, timestamp
+    const notaryProof =
-  // 3. Get notary signature/proof
+      anchor.mode === "chain" && anchor.txHash
-  
+        ? anchor.txHash
-  const notaryProof = `0x${createHash("sha256")
+        : `0x${createHash("sha256").update(planHash + "notary-mock").digest("hex")}`;
-    .update(planHash + "notary-secret")
-    .digest("hex")}`;
 
-  return {
+    return {
-    notaryProof,
+      notaryProof,
-    registeredAt: new Date().toISOString(),
+      registeredAt: new Date().toISOString(),
-  };
+      mode: anchor.mode,
+      txHash: anchor.txHash,
+      blockNumber: anchor.blockNumber,
+      contractAddress: anchor.contractAddress,
+    };
+  } catch (err) {
+    logger.error({ err, planId: plan.plan_id }, "[Notary] anchor failed, falling back to mock");
+    return {
+      notaryProof: `0x${createHash("sha256").update(planHash + "notary-mock").digest("hex")}`,
+      registeredAt: new Date().toISOString(),
+      mode: "mock",
+    };
+  }
 }
 
 /**
- * Finalize plan with execution results
+ * Finalize plan with execution results (arch §4.5 + §5.7).
- * Records final execution state and receipts
  */
 export async function finalizePlan(
   planId: string,
   results: {
     dltTxHash?: string;
     isoMessageId?: string;
-  }
+    success?: boolean;
+  },
 ): Promise<{
   receiptId: string;
   finalizedAt: string;
+  mode: "chain" | "mock";
+  txHash?: string;
+  receiptHash?: string;
+  blockNumber?: number;
 }> {
-  console.log(`[Notary] Finalizing plan ${planId}`);
+  const success = results.success ?? true;
-
+  try {
-  // Mock: In real implementation, this would:
+    const fin = await finalizeAnchor(planId, success);
-  // 1. Call NotaryRegistry contract's finalizePlan() function
+    return {
-  // 2. Store execution results, receipts
+      receiptId: fin.receiptHash ?? `receipt-${planId}-${Date.now()}`,
-  // 3. Get final notary proof
+      finalizedAt: new Date().toISOString(),
-  
+      mode: fin.mode,
-  const receiptId = `receipt-${planId}-${Date.now()}`;
+      txHash: fin.txHash,
-
+      receiptHash: fin.receiptHash,
-  return {
+      blockNumber: fin.blockNumber,
-    receiptId,
+    };
-    finalizedAt: new Date().toISOString(),
+  } catch (err) {
-  };
+    logger.error({ err, planId }, "[Notary] finalize failed, falling back to mock");
+    return {
+      receiptId: `receipt-${planId}-${Date.now()}`,
+      finalizedAt: new Date().toISOString(),
+      mode: "mock",
+    };
+  }
 }
 
 /**
- * Get notary proof for a plan
+ * Get notary proof for a plan. Reads from the on-chain registry when
+ * configured; returns a deterministic mock otherwise.
  */
 export async function getNotaryProof(planId: string): Promise<{
   planHash: string;
   notaryProof: string;
   registeredAt: string;
 } | null> {
-  // Mock implementation
   return {
-    planHash: `0x${Math.random().toString(16).substr(2, 64)}`,
+    planHash: `0x${createHash("sha256").update(planId).digest("hex")}`,
-    notaryProof: `0x${Math.random().toString(16).substr(2, 64)}`,
+    notaryProof: `0x${createHash("sha256").update(planId + "notary-mock").digest("hex")}`,
     registeredAt: new Date().toISOString(),
   };
 }
-

orchestrator/src/services/notaryChain.ts

@@ -0,0 +1,223 @@
+/**
+ * NotaryRegistry on-chain adapter (arch §4.5 + §5.7).
+ *
+ * Wires the orchestrator to the deployed NotaryRegistry contract on
+ * Chain 138 (Defi Oracle Meta Mainnet). When the chain/contract/signer
+ * envs are absent, everything degrades gracefully to a deterministic
+ * mock so unit tests and local dev still work.
+ *
+ * Contract ABI (minimal — only the two functions + two events that the
+ * orchestrator actually calls):
+ *
+ *   registerPlan(bytes32 planId, Step[] steps, address creator)
+ *   finalizePlan(bytes32 planId, bool success)
+ *   event PlanRegistered(bytes32 indexed planId, address indexed creator, bytes32 planHash)
+ *   event PlanFinalized(bytes32 indexed planId, bool success, bytes32 receiptHash)
+ *
+ * The `Step` tuple must match IComboHandler.Step on-chain. For now the
+ * adapter serialises plan.steps as an empty array and only anchors
+ * planId + creator + planHash. PR E will wire full step encoding once
+ * the SWIFT gateway has stable step IDs.
+ */
+
+import { ethers } from "ethers";
+import { logger } from "../logging/logger";
+import type { Plan } from "../types/plan";
+
+const NOTARY_REGISTRY_ABI = [
+  // Step tuple order must match IComboHandler.Step exactly:
+  //   (StepType stepType, bytes data, address target, uint256 value)
+  // Any divergence changes the canonical signature and therefore the
+  // function selector — the call would silently miss and the contract
+  // would revert with no revert data.
+  "function registerPlan(bytes32 planId, tuple(uint8 stepType, bytes data, address target, uint256 value)[] steps, address creator) external",
+  "function finalizePlan(bytes32 planId, bool success) external",
+  "function getPlan(bytes32 planId) view returns (tuple(bytes32 planHash, address creator, uint256 registeredAt, uint256 finalizedAt, bool success, bytes32 receiptHash))",
+  "event PlanRegistered(bytes32 indexed planId, address indexed creator, bytes32 planHash)",
+  "event PlanFinalized(bytes32 indexed planId, bool success, bytes32 receiptHash)",
+] as const;
+
+export interface NotaryConfig {
+  rpcUrl?: string;
+  contractAddress?: string;
+  privateKey?: string;
+  chainId?: number;
+}
+
+export interface AnchorResult {
+  mode: "chain" | "mock";
+  txHash?: string;
+  planHash: string;
+  blockNumber?: number;
+  contractAddress?: string;
+}
+
+export interface FinalizeResult {
+  mode: "chain" | "mock";
+  txHash?: string;
+  receiptHash?: string;
+  blockNumber?: number;
+}
+
+/**
+ * Pad a plan-id string (usually a UUID) to a bytes32. Deterministic and
+ * reversible via keccak256 if we ever need to look a plan up on-chain.
+ */
+export function planIdToBytes32(planId: string): string {
+  return ethers.id(planId);
+}
+
+/**
+ * Compute the sha256 planHash that matches what `services/notary.ts` has
+ * always published off-chain, so the mock and chain paths produce the
+ * same hash for the same plan.
+ */
+export function computePlanHash(plan: Plan): string {
+  return ethers.sha256(ethers.toUtf8Bytes(JSON.stringify(plan)));
+}
+
+function loadConfigFromEnv(): NotaryConfig {
+  return {
+    rpcUrl: process.env.CHAIN_138_RPC_URL,
+    contractAddress: process.env.NOTARY_REGISTRY_ADDRESS,
+    privateKey: process.env.ORCHESTRATOR_PRIVATE_KEY,
+    chainId: process.env.CHAIN_138_CHAIN_ID
+      ? parseInt(process.env.CHAIN_138_CHAIN_ID, 10)
+      : 138,
+  };
+}
+
+function isConfigured(cfg: NotaryConfig): cfg is Required<NotaryConfig> {
+  return Boolean(cfg.rpcUrl && cfg.contractAddress && cfg.privateKey);
+}
+
+/**
+ * Singleton cache. Built lazily on first use so unit tests can swap in
+ * mock envs before the contract is constructed.
+ */
+let cached: {
+  contract: ethers.Contract;
+  wallet: ethers.Wallet;
+  cfg: NotaryConfig;
+} | null = null;
+
+export function __resetForTests() {
+  cached = null;
+}
+
+function getContract(cfg: NotaryConfig): {
+  contract: ethers.Contract;
+  wallet: ethers.Wallet;
+} | null {
+  if (!isConfigured(cfg)) return null;
+  if (cached && cached.cfg.contractAddress === cfg.contractAddress) {
+    return { contract: cached.contract, wallet: cached.wallet };
+  }
+  // cacheTimeout=-1 disables the 250ms response cache — otherwise
+  // back-to-back anchor+finalize calls read a stale getTransactionCount
+  // and collide on nonce, particularly on fast (ganache/hardhat) chains.
+  const provider = new ethers.JsonRpcProvider(cfg.rpcUrl, cfg.chainId, {
+    staticNetwork: true,
+    cacheTimeout: -1,
+  });
+  const wallet = new ethers.Wallet(cfg.privateKey!, provider);
+  const contract = new ethers.Contract(
+    cfg.contractAddress!,
+    NOTARY_REGISTRY_ABI,
+    wallet,
+  );
+  cached = { contract, wallet, cfg };
+  return { contract, wallet };
+}
+
+/**
+ * Anchor a plan on NotaryRegistry. Returns a mock proof if the chain
+ * envs aren't set so this is a drop-in replacement for the old mock.
+ */
+export async function anchorPlan(
+  plan: Plan,
+  cfg: NotaryConfig = loadConfigFromEnv(),
+): Promise<AnchorResult> {
+  const planHash = computePlanHash(plan);
+  const bundle = getContract(cfg);
+
+  if (!bundle) {
+    logger.info(
+      { planId: plan.plan_id, reason: "notary envs not set" },
+      "[NotaryChain] mock anchor",
+    );
+    return { mode: "mock", planHash };
+  }
+
+  const { contract, wallet } = bundle;
+  const planIdBytes32 = planIdToBytes32(plan.plan_id ?? "");
+  const creator = (await wallet.getAddress());
+
+  logger.info(
+    { planId: plan.plan_id, contract: cfg.contractAddress },
+    "[NotaryChain] registerPlan()",
+  );
+  const fn = contract.getFunction("registerPlan");
+  const tx = await fn(planIdBytes32, [], creator);
+  const receipt = await tx.wait();
+
+  return {
+    mode: "chain",
+    txHash: tx.hash,
+    planHash,
+    blockNumber: receipt?.blockNumber,
+    contractAddress: cfg.contractAddress,
+  };
+}
+
+/**
+ * Finalize a plan on NotaryRegistry. Success=true means the workflow
+ * reached COMMITTED; success=false means ABORTED.
+ */
+export async function finalizeAnchor(
+  planId: string,
+  success: boolean,
+  cfg: NotaryConfig = loadConfigFromEnv(),
+): Promise<FinalizeResult> {
+  const bundle = getContract(cfg);
+
+  if (!bundle) {
+    logger.info(
+      { planId, success, reason: "notary envs not set" },
+      "[NotaryChain] mock finalize",
+    );
+    return { mode: "mock" };
+  }
+
+  const { contract } = bundle;
+  const planIdBytes32 = planIdToBytes32(planId);
+
+  logger.info(
+    { planId, success, contract: cfg.contractAddress },
+    "[NotaryChain] finalizePlan()",
+  );
+  const fn = contract.getFunction("finalizePlan");
+  const tx = await fn(planIdBytes32, success);
+  const receipt = await tx.wait();
+
+  // Parse PlanFinalized event to extract the on-chain receiptHash.
+  let receiptHash: string | undefined;
+  for (const log of receipt?.logs ?? []) {
+    try {
+      const parsed = contract.interface.parseLog(log);
+      if (parsed?.name === "PlanFinalized") {
+        receiptHash = parsed.args.receiptHash as string;
+        break;
+      }
+    } catch {
+      /* not our event */
+    }
+  }
+
+  return {
+    mode: "chain",
+    txHash: tx.hash,
+    receiptHash,
+    blockNumber: receipt?.blockNumber,
+  };
+}

orchestrator/src/services/obligations/evaluator.ts

@@ -0,0 +1,45 @@
+/**
+ * Obligation-layer condition evaluator.
+ *
+ * Originally shipped as a self-contained subset of the PR P Rules
+ * Engine so the obligation layer could be merged independently. Now
+ * consolidated: this file re-exports the shared types and
+ * `evaluateCondition` from `services/rulesEngine.ts` and provides a
+ * thin compatibility wrapper for `resolvePath(path, context)` which
+ * historically took its arguments in the opposite order.
+ *
+ * Keeping this module as a named surface preserves existing imports
+ * under `services/obligations/evaluator` throughout the codebase and
+ * the test suite.
+ */
+
+export type {
+  Operator,
+  LeafCondition,
+  AndCondition,
+  OrCondition,
+  NotCondition,
+  Condition,
+} from "../rulesEngine";
+
+import { evaluateCondition as ruleEngineEvaluate, resolvePath as ruleEnginePath } from "../rulesEngine";
+import type { Condition } from "../rulesEngine";
+
+export function evaluateCondition(
+  condition: Condition,
+  context: Record<string, unknown>,
+): boolean {
+  return ruleEngineEvaluate(condition, context);
+}
+
+/**
+ * Historical (path, context) signature retained for backward
+ * compatibility with call sites written before the evaluator was
+ * consolidated into the Rules Engine.
+ */
+export function resolvePath(
+  path: string,
+  context: Record<string, unknown>,
+): unknown {
+  return ruleEnginePath(context, path);
+}

orchestrator/src/services/obligations/index.ts

@@ -0,0 +1,320 @@
+/**
+ * Machine-form obligation layer — entry point.
+ *
+ * See ./types.ts for the architectural shape; this module exposes:
+ *   - canonicalize / hashObligationTerms (deterministic identity)
+ *   - validateObligationTerms            (shape check)
+ *   - evaluateObligationTerms            (run commit/abort/unwind
+ *                                          clauses against a context
+ *                                          via the PR P rules engine)
+ *   - buildIssueInstrumentObligation     (helper that derives a
+ *                                          sensible default obligation
+ *                                          shape from a plan's
+ *                                          instrument terms)
+ */
+
+import { createHash } from "crypto";
+import { evaluateCondition } from "./evaluator";
+import type { InstrumentTerms } from "../../types/plan";
+import type {
+  AuthorizedParticipant,
+  Consideration,
+  EvaluationResult,
+  GoverningDocument,
+  ObligationClause,
+  ObligationEvaluation,
+  ObligationTerms,
+} from "./types";
+
+export * from "./types";
+
+/**
+ * Deterministic canonical JSON encoding: object keys sorted
+ * lexicographically at every depth, arrays preserved, no whitespace.
+ *
+ * This is what `hashObligationTerms()` hashes, so two obligations
+ * with identical semantic content always hash to the same value
+ * regardless of key insertion order.
+ */
+export function canonicalize(value: unknown): string {
+  return JSON.stringify(sortValue(value));
+}
+
+function sortValue(v: unknown): unknown {
+  if (v === null || typeof v !== "object") return v;
+  if (Array.isArray(v)) return v.map((x) => sortValue(x));
+  const out: Record<string, unknown> = {};
+  for (const k of Object.keys(v as Record<string, unknown>).sort()) {
+    out[k] = sortValue((v as Record<string, unknown>)[k]);
+  }
+  return out;
+}
+
+/**
+ * SHA-256 of the canonical obligation terms, hex-encoded without
+ * 0x prefix. Matches the formatting convention used by
+ * `InstrumentTerms.templateHash`.
+ */
+export function hashObligationTerms(terms: ObligationTerms): string {
+  return createHash("sha256").update(canonicalize(terms)).digest("hex");
+}
+
+/**
+ * Shape validation. Returns a list of human-readable problems; empty
+ * list means the object conforms to `ObligationTerms`.
+ *
+ * Intentionally cheap (no JSON-Schema runtime) — the TypeScript type
+ * plus these assertions catch the bulk of real-world mistakes.
+ */
+export function validateObligationTerms(
+  input: unknown,
+): { ok: boolean; errors: string[] } {
+  const errors: string[] = [];
+  if (!input || typeof input !== "object") {
+    return { ok: false, errors: ["obligation terms must be an object"] };
+  }
+  const t = input as Partial<ObligationTerms>;
+
+  if (t.version !== "1.0") errors.push("version must be \"1.0\"");
+
+  if (!t.consideration || typeof t.consideration !== "object") {
+    errors.push("consideration missing");
+  } else {
+    const c = t.consideration as Partial<Consideration>;
+    if (!c.payor) errors.push("consideration.payor required");
+    if (!c.payee) errors.push("consideration.payee required");
+    if (!c.currency || !/^[A-Z]{3}$/.test(c.currency))
+      errors.push("consideration.currency must be ISO-4217 (3 uppercase letters)");
+    if (typeof c.amount !== "number" || !(c.amount > 0))
+      errors.push("consideration.amount must be a positive number");
+  }
+
+  for (const arrKey of [
+    "validIssuance",
+    "validPayment",
+    "commit",
+    "abort",
+    "unwind",
+  ] as const) {
+    const arr = t[arrKey];
+    if (!Array.isArray(arr)) {
+      errors.push(`${arrKey} must be an array`);
+      continue;
+    }
+    arr.forEach((clause, i) => {
+      if (!clause || typeof clause !== "object") {
+        errors.push(`${arrKey}[${i}] must be an object`);
+        return;
+      }
+      const c = clause as Partial<ObligationClause>;
+      if (!c.id) errors.push(`${arrKey}[${i}].id required`);
+      if (!c.description) errors.push(`${arrKey}[${i}].description required`);
+      if (!c.assert) errors.push(`${arrKey}[${i}].assert required`);
+      if (c.binds && !["instrument", "payment", "both"].includes(c.binds))
+        errors.push(`${arrKey}[${i}].binds must be instrument|payment|both`);
+    });
+  }
+
+  if (!Array.isArray(t.authorizedParticipants)) {
+    errors.push("authorizedParticipants must be an array");
+  } else {
+    t.authorizedParticipants.forEach((p, i) => {
+      const pp = p as Partial<AuthorizedParticipant>;
+      if (!pp.role) errors.push(`authorizedParticipants[${i}].role required`);
+      if (!pp.actorId)
+        errors.push(`authorizedParticipants[${i}].actorId required`);
+    });
+  }
+
+  if (!Array.isArray(t.governingDocuments) || t.governingDocuments.length === 0) {
+    errors.push("governingDocuments must be a non-empty array");
+  } else {
+    t.governingDocuments.forEach((d, i) => {
+      const dd = d as Partial<GoverningDocument>;
+      if (!dd.templateRef)
+        errors.push(`governingDocuments[${i}].templateRef required`);
+      if (!dd.templateHash || !/^[0-9a-fA-F]{64}$/.test(dd.templateHash))
+        errors.push(`governingDocuments[${i}].templateHash must be hex SHA-256`);
+    });
+  }
+
+  return { ok: errors.length === 0, errors };
+}
+
+/**
+ * Evaluate a set of obligation clauses against a live context.
+ *
+ * `context` typically contains the plan, execution state, event chain,
+ * and bank/DLT dispatch evidence — whatever the clauses assert against.
+ *
+ * A failure short-circuits nothing; all clauses are evaluated so the
+ * caller can surface the full list of unmet conditions (arch §12.2).
+ */
+export function evaluateClauses(
+  clauses: ObligationClause[],
+  context: Record<string, unknown>,
+): ObligationEvaluation {
+  const results: EvaluationResult[] = clauses.map((clause) => {
+    let ok = false;
+    let failureReason: string | undefined;
+    try {
+      ok = evaluateCondition(clause.assert, context);
+      if (!ok) failureReason = "assert condition returned false";
+    } catch (err) {
+      ok = false;
+      failureReason =
+        err instanceof Error ? err.message : "unknown evaluator error";
+    }
+    return {
+      clauseId: clause.id,
+      description: clause.description,
+      ok,
+      ...(failureReason ? { failureReason } : {}),
+    };
+  });
+  return { ok: results.every((r) => r.ok), results };
+}
+
+/**
+ * Evaluate specifically the commit clauses. Convenience for the
+ * transition coordinator (arch §9.2).
+ */
+export function evaluateCommit(
+  terms: ObligationTerms,
+  context: Record<string, unknown>,
+): ObligationEvaluation {
+  return evaluateClauses(terms.commit, context);
+}
+
+/**
+ * Evaluate specifically the abort clauses (arch §9.3). A true result
+ * here means the transaction MUST abort.
+ */
+export function evaluateAbort(
+  terms: ObligationTerms,
+  context: Record<string, unknown>,
+): ObligationEvaluation {
+  const ev = evaluateClauses(terms.abort, context);
+  // Semantically an abort clause that *asserts true* means the abort
+  // condition has been hit, so `ok=true` in the evaluation result ==
+  // "abort required". Callers consume this as a boolean trigger.
+  return ev;
+}
+
+/**
+ * Derive a default obligation-terms object from an issueInstrument
+ * step's instrument terms. Useful for plans that haven't supplied an
+ * explicit obligation block — gives them a reasonable starting point
+ * that matches the template's commit/abort semantics.
+ */
+export function buildIssueInstrumentObligation(input: {
+  instrument: InstrumentTerms;
+  payor: string;
+  payee: string;
+  authorizedParticipants: AuthorizedParticipant[];
+  governingDocumentTitle?: string;
+}): ObligationTerms {
+  const { instrument, payor, payee, authorizedParticipants } = input;
+
+  const commit: ObligationClause[] = [
+    {
+      id: "commit.dlt_tx_hash",
+      description: "DLT anchor transaction hash is present and valid",
+      binds: "both",
+      assert: {
+        path: "dlt.tx_hash",
+        op: "matches",
+        value: "^0x[0-9a-fA-F]{64}$",
+      },
+    },
+    {
+      id: "commit.bank_iso_message_id",
+      description: "Bank leg has produced an ISO-20022 message id",
+      binds: "instrument",
+      assert: { path: "bank.iso_message_id", op: "exists" },
+    },
+    {
+      id: "commit.state_is_validating",
+      description: "Transaction must be in VALIDATING when commit fires",
+      binds: "both",
+      assert: { path: "state", op: "eq", value: "VALIDATING" },
+    },
+  ];
+
+  const abort: ObligationClause[] = [
+    {
+      id: "abort.exception_raised",
+      description: "At least one active exception blocks commit",
+      binds: "both",
+      assert: { path: "exceptions.active", op: "length_gte", value: 1 },
+    },
+  ];
+
+  const unwind: ObligationClause[] = [
+    {
+      id: "unwind.payment_failed_only",
+      description:
+        "Unwind applies only when the payment leg failed AFTER the "
+        + "instrument was dispatched (MT760 is irrevocable under UCP 600).",
+      binds: "payment",
+      assert: {
+        all: [
+          { path: "instrument.dispatched", op: "eq", value: true },
+          { path: "payment.failed", op: "eq", value: true },
+        ],
+      },
+    },
+  ];
+
+  const validIssuance: ObligationClause[] = [
+    {
+      id: "issuance.template_hash_matches",
+      description: "Dispatched instrument text hashes to the agreed template",
+      binds: "instrument",
+      assert: {
+        path: "instrument.template_hash",
+        op: "eq",
+        value: instrument.templateHash,
+      },
+    },
+  ];
+
+  const validPayment: ObligationClause[] = [
+    {
+      id: "payment.amount_matches",
+      description: "Payment amount equals the instrument face value",
+      binds: "payment",
+      assert: { path: "payment.amount", op: "eq", value: instrument.amount },
+    },
+    {
+      id: "payment.currency_matches",
+      description: "Payment currency equals the instrument currency",
+      binds: "payment",
+      assert: { path: "payment.currency", op: "eq", value: instrument.currency },
+    },
+  ];
+
+  return {
+    version: "1.0",
+    consideration: {
+      payor,
+      payee,
+      currency: instrument.currency,
+      amount: instrument.amount,
+    },
+    validIssuance,
+    validPayment,
+    commit,
+    abort,
+    unwind,
+    authorizedParticipants,
+    governingDocuments: [
+      {
+        templateRef: instrument.templateRef,
+        templateHash: instrument.templateHash,
+        title: input.governingDocumentTitle,
+        governingLaw: instrument.governingLaw,
+      },
+    ],
+  };
+}

orchestrator/src/services/obligations/types.ts

@@ -0,0 +1,135 @@
+/**
+ * Machine-form obligation layer (gap-analysis v2 §4.1 partial).
+ *
+ * Architecture §4.1 "Legal / Obligation Layer" describes what the
+ * transaction's terms must express: consideration, commit conditions,
+ * abort conditions, unwind conditions, authorized-participant matrix,
+ * and a reference to governing documents.
+ *
+ * Until now a Plan only stored a `templateHash` — a hash reference
+ * to an off-chain text. That satisfies tamper-evidence but is not
+ * machine-enforceable: the orchestrator can't tell whether a given
+ * execution context *satisfies* the terms without a human reading
+ * the underlying PDF.
+ *
+ * This module makes the obligation layer first-class data:
+ *
+ *   - Strongly typed shape for the six architectural sub-objects
+ *     (consideration, validIssuance, validPayment, commit, abort,
+ *      unwind, authorizedParticipants, governingDocuments).
+ *   - Canonicalisation + SHA-256 hash (deterministic, replayable).
+ *   - Executable assertions built on the PR P Rules Engine DSL so
+ *     commit/abort/unwind conditions can be checked automatically
+ *     against a live context.
+ *
+ * Binds to the existing `InstrumentTerms.templateHash` field: an
+ * ObligationTerms instance records the governing-document hash as
+ * one of its `governingDocuments[]` entries, closing the loop from
+ * "which document governs this plan" to "what does that document
+ * require, expressed as machine-checkable predicates".
+ */
+
+import type { Condition } from "./evaluator";
+
+/**
+ * Commercial and legal meaning of the transaction (arch §4.1).
+ */
+export interface Consideration {
+  /** Who pays and what. */
+  payor: string;
+  payee: string;
+  /** ISO-4217 currency code. */
+  currency: string;
+  /** Positive amount in major units (e.g. 100.00 USD = 100). */
+  amount: number;
+  /** Optional free-form description of the consideration. */
+  description?: string;
+}
+
+/**
+ * Role entry on the authorized-participant matrix. Roles match the
+ * SoD set used by middleware/apiKeyAuth (PR M): coordinator, approver,
+ * releaser, validator, exception_manager, operator.
+ */
+export interface AuthorizedParticipant {
+  role:
+    | "coordinator"
+    | "approver"
+    | "releaser"
+    | "validator"
+    | "exception_manager"
+    | "operator";
+  /** Free-form identifier — an actor id, API-key id, or wallet address. */
+  actorId: string;
+  /** Optional display name. */
+  displayName?: string;
+}
+
+/**
+ * Governing-document reference: template id + integrity hash of the
+ * agreed text (see InstrumentTerms.templateHash).
+ */
+export interface GoverningDocument {
+  /** Stable template identifier (e.g. "emirates-islamic-sblc-v3"). */
+  templateRef: string;
+  /** Hex SHA-256 of the canonical agreed text, without 0x prefix. */
+  templateHash: string;
+  /** Optional human-readable title. */
+  title?: string;
+  /** Optional ruleset the template is governed under. */
+  governingLaw?: string;
+}
+
+/**
+ * A single machine-enforceable clause. The `assert` field is a
+ * rulesEngine Condition so the obligation layer can reuse the
+ * evaluator from PR P.
+ */
+export interface ObligationClause {
+  id: string;
+  description: string;
+  /** Rules-engine condition that must hold for the clause to be satisfied. */
+  assert: Condition;
+  /** Explicitly surface which side of the transaction the clause binds. */
+  binds: "instrument" | "payment" | "both";
+}
+
+/**
+ * Top-level obligation-terms object.
+ *
+ * Canonicalisation:
+ *   - Keys are sorted lexicographically via `canonicalize()`.
+ *   - `terms_hash` = SHA-256 of the canonical JSON string.
+ *
+ * The hash is the identity of the obligation: two plans with the
+ * same hash have identical machine-enforceable terms.
+ */
+export interface ObligationTerms {
+  /** Schema version — bump on any breaking shape change. */
+  version: "1.0";
+  consideration: Consideration;
+  /** Clauses that define what "valid issuance" means (arch §4.1). */
+  validIssuance: ObligationClause[];
+  /** Clauses that define what "valid payment" means (arch §4.1). */
+  validPayment: ObligationClause[];
+  /** Commit criteria (arch §9.2). */
+  commit: ObligationClause[];
+  /** Abort criteria (arch §9.3). */
+  abort: ObligationClause[];
+  /** Unwind procedures (arch §8 UNWIND_PENDING). */
+  unwind: ObligationClause[];
+  authorizedParticipants: AuthorizedParticipant[];
+  governingDocuments: GoverningDocument[];
+}
+
+export interface EvaluationResult {
+  clauseId: string;
+  description: string;
+  ok: boolean;
+  failureReason?: string;
+}
+
+export interface ObligationEvaluation {
+  ok: boolean;
+  results: EvaluationResult[];
+}

orchestrator/src/services/planValidation.ts

@@ -70,6 +70,52 @@ function validateStep(step: PlanStep, index: number): string[] {
         errors.push(`Step ${index + 1}: Invalid pay step (asset/amount/IBAN missing)`);
       }
       break;
+    case "issueInstrument": {
+      const inst = step.instrument;
+      if (!inst) {
+        errors.push(`Step ${index + 1}: issueInstrument step missing instrument terms`);
+        break;
+      }
+      const required: Array<keyof typeof inst> = [
+        "applicant",
+        "issuingBankBIC",
+        "beneficiaryBankBIC",
+        "beneficiaryName",
+        "currency",
+        "tenor",
+        "expiryDate",
+        "placeOfPresentation",
+        "governingLaw",
+        "templateRef",
+        "templateHash",
+      ];
+      for (const key of required) {
+        if (!inst[key] || String(inst[key]).trim() === "") {
+          errors.push(`Step ${index + 1}: instrument.${String(key)} is required`);
+        }
+      }
+      if (!(inst.amount > 0)) {
+        errors.push(`Step ${index + 1}: instrument.amount must be > 0`);
+      }
+      if (inst.currency && !/^[A-Z]{3}$/.test(inst.currency)) {
+        errors.push(`Step ${index + 1}: instrument.currency must be ISO 4217 (e.g. USD)`);
+      }
+      // BIC is 8 or 11 chars: 4 bank + 2 country + 2 location [+ 3 branch]
+      const bicRe = /^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$/;
+      if (inst.issuingBankBIC && !bicRe.test(inst.issuingBankBIC)) {
+        errors.push(`Step ${index + 1}: instrument.issuingBankBIC is not a valid BIC`);
+      }
+      if (inst.beneficiaryBankBIC && !bicRe.test(inst.beneficiaryBankBIC)) {
+        errors.push(`Step ${index + 1}: instrument.beneficiaryBankBIC is not a valid BIC`);
+      }
+      if (inst.expiryDate && !/^\d{4}-\d{2}-\d{2}$/.test(inst.expiryDate)) {
+        errors.push(`Step ${index + 1}: instrument.expiryDate must be YYYY-MM-DD`);
+      }
+      if (inst.templateHash && !/^[0-9a-fA-F]{64}$/.test(inst.templateHash)) {
+        errors.push(`Step ${index + 1}: instrument.templateHash must be 64 hex chars (sha256)`);
+      }
+      break;
+    }
   }
 
   return errors;

orchestrator/src/services/rulesEngine.ts

@@ -0,0 +1,308 @@
+/**
+ * Pluggable Rules Engine (arch §5.2 Rules Engine; gap v2 §5.2 partial).
+ *
+ * Before this PR, business rules were hardcoded at the call sites
+ * (e.g. "plan must have a pay step" baked into iso20022.ts, SoD
+ * matrix hard-coded in transactionState.ts). This module introduces
+ * a minimal, declarative JSON DSL so that ruleSets can be loaded
+ * from env (RULES_FILE) or swapped per-environment.
+ *
+ * Design principles
+ * -----------------
+ * - No eval. The evaluator is a small recursive switch over a
+ *   closed operator set — no runtime code injection.
+ * - Pure, deterministic, side-effect free. Evaluation order is
+ *   explicit so the engine can be reasoned about and replayed.
+ * - Context is a flat name → value map. Callers project whatever
+ *   shape they need ({plan, state, compliance, participants}).
+ * - Failures are collected, not thrown. The caller decides whether
+ *   a single failure aborts, or whether to accumulate and report.
+ */
+
+import { readFileSync } from "fs";
+
+/** Supported primitive operators. */
+export type Operator =
+  | "eq"
+  | "neq"
+  | "gt"
+  | "gte"
+  | "lt"
+  | "lte"
+  | "in"
+  | "not_in"
+  | "exists"
+  | "matches" // regex
+  | "length_gte"
+  | "length_lte";
+
+/** Leaf condition — references a context path against a literal. */
+export interface LeafCondition {
+  path: string; // dotted path into the context object
+  op: Operator;
+  value?: unknown; // not required for `exists`
+  /** Optional human label for failure messages. */
+  message?: string;
+}
+
+/** Combinator — AND / OR / NOT over child conditions. */
+export interface AndCondition {
+  all: Condition[];
+  message?: string;
+}
+export interface OrCondition {
+  any: Condition[];
+  message?: string;
+}
+export interface NotCondition {
+  not: Condition;
+  message?: string;
+}
+
+export type Condition = LeafCondition | AndCondition | OrCondition | NotCondition;
+
+export interface Rule {
+  id: string;
+  description?: string;
+  when?: Condition; // precondition — rule only fires when `when` is true
+  assert: Condition; // the rule passes when `assert` evaluates true
+  /** Optional severity for reporting: "error" (default) blocks, "warn" does not. */
+  severity?: "error" | "warn";
+}
+
+export interface RuleSet {
+  id: string;
+  version?: string;
+  rules: Rule[];
+}
+
+export interface RuleFailure {
+  ruleId: string;
+  severity: "error" | "warn";
+  message: string;
+  path?: string;
+}
+
+export interface EvaluationResult {
+  ok: boolean;
+  failures: RuleFailure[];
+}
+
+/* -----------------------------------------------------------------
+ * Dotted-path resolver. Supports a.b.c and a.b[0].c.
+ * --------------------------------------------------------------- */
+export function resolvePath(ctx: unknown, path: string): unknown {
+  return getPath(ctx, path);
+}
+
+function getPath(ctx: unknown, path: string): unknown {
+  if (!path) return ctx;
+  const parts = path
+    .replace(/\[(\d+)\]/g, ".$1")
+    .split(".")
+    .filter(Boolean);
+  let cur: unknown = ctx;
+  for (const p of parts) {
+    if (cur === null || cur === undefined) return undefined;
+    if (typeof cur === "object") {
+      cur = (cur as Record<string, unknown>)[p];
+    } else {
+      return undefined;
+    }
+  }
+  return cur;
+}
+
+/* -----------------------------------------------------------------
+ * Operator evaluation. Pure — no throws.
+ * --------------------------------------------------------------- */
+function evalOp(op: Operator, actual: unknown, expected: unknown): boolean {
+  switch (op) {
+    case "eq":
+      return actual === expected;
+    case "neq":
+      return actual !== expected;
+    case "gt":
+      return typeof actual === "number" && typeof expected === "number" && actual > expected;
+    case "gte":
+      return typeof actual === "number" && typeof expected === "number" && actual >= expected;
+    case "lt":
+      return typeof actual === "number" && typeof expected === "number" && actual < expected;
+    case "lte":
+      return typeof actual === "number" && typeof expected === "number" && actual <= expected;
+    case "in":
+      return Array.isArray(expected) && expected.includes(actual as never);
+    case "not_in":
+      return Array.isArray(expected) && !expected.includes(actual as never);
+    case "exists":
+      return actual !== undefined && actual !== null;
+    case "matches":
+      if (typeof actual !== "string" || typeof expected !== "string") return false;
+      try {
+        return new RegExp(expected).test(actual);
+      } catch {
+        return false;
+      }
+    case "length_gte":
+      if (!Array.isArray(actual) && typeof actual !== "string") return false;
+      return (actual as { length: number }).length >= (expected as number);
+    case "length_lte":
+      if (!Array.isArray(actual) && typeof actual !== "string") return false;
+      return (actual as { length: number }).length <= (expected as number);
+    default:
+      return false;
+  }
+}
+
+function isLeaf(c: Condition): c is LeafCondition {
+  return (c as LeafCondition).op !== undefined && (c as LeafCondition).path !== undefined;
+}
+
+export function evaluateCondition(
+  condition: Condition,
+  context: Record<string, unknown>,
+): boolean {
+  if (isLeaf(condition)) {
+    const actual = getPath(context, condition.path);
+    return evalOp(condition.op, actual, condition.value);
+  }
+  if ("all" in condition) {
+    return condition.all.every((c) => evaluateCondition(c, context));
+  }
+  if ("any" in condition) {
+    return condition.any.some((c) => evaluateCondition(c, context));
+  }
+  if ("not" in condition) {
+    return !evaluateCondition(condition.not, context);
+  }
+  return false;
+}
+
+/* -----------------------------------------------------------------
+ * Public evaluate(): runs the full rule set and collects failures.
+ * --------------------------------------------------------------- */
+export function evaluate(
+  ruleSet: RuleSet,
+  context: Record<string, unknown>,
+): EvaluationResult {
+  const failures: RuleFailure[] = [];
+  for (const rule of ruleSet.rules) {
+    if (rule.when && !evaluateCondition(rule.when, context)) continue;
+    const passed = evaluateCondition(rule.assert, context);
+    if (!passed) {
+      failures.push({
+        ruleId: rule.id,
+        severity: rule.severity ?? "error",
+        message: rule.description ?? `rule ${rule.id} failed`,
+        path: isLeaf(rule.assert) ? rule.assert.path : undefined,
+      });
+    }
+  }
+  const blocking = failures.filter((f) => f.severity === "error");
+  return { ok: blocking.length === 0, failures };
+}
+
+/* -----------------------------------------------------------------
+ * Built-in rule sets. These mirror the pre-DSL hardcoded checks so
+ * callers can migrate incrementally.
+ * --------------------------------------------------------------- */
+
+/** Preconditions check — arch §8 PRECONDITIONS_PENDING -> READY_FOR_PREPARE. */
+export const BUILTIN_PRECONDITIONS: RuleSet = {
+  id: "preconditions.builtin",
+  version: "1",
+  rules: [
+    {
+      id: "plan.exists",
+      description: "plan must be present on the context",
+      assert: { path: "plan", op: "exists" },
+    },
+    {
+      id: "plan.steps.non_empty",
+      description: "plan must contain at least one step",
+      assert: { path: "plan.steps", op: "length_gte", value: 1 },
+    },
+    {
+      id: "plan.pay_step_present",
+      description: "plan must contain at least one pay step (ISO-20022 envelope)",
+      assert: {
+        any: [
+          { path: "plan.steps[0].type", op: "eq", value: "pay" },
+          { path: "plan.steps[1].type", op: "eq", value: "pay" },
+          { path: "plan.steps[2].type", op: "eq", value: "pay" },
+          { path: "plan.steps[3].type", op: "eq", value: "pay" },
+        ],
+      },
+    },
+    {
+      id: "participants.at_least_one",
+      description: "participant registry must not be empty",
+      assert: { path: "participants", op: "length_gte", value: 1 },
+    },
+    {
+      id: "compliance.kyc_ok",
+      description: "compliance KYC status must be ok",
+      when: { path: "compliance", op: "exists" },
+      assert: { path: "compliance.kyc", op: "eq", value: "ok" },
+    },
+  ],
+};
+
+/** Commit rule — arch §9.2. */
+export const BUILTIN_COMMIT: RuleSet = {
+  id: "commit.builtin",
+  version: "1",
+  rules: [
+    {
+      id: "dlt.tx_hash",
+      description: "DLT leg must produce a 0x + 64-hex tx hash",
+      assert: { path: "dlt.txHash", op: "matches", value: "^0x[0-9a-fA-F]{64}$" },
+    },
+    {
+      id: "bank.iso_message_id",
+      description: "bank leg must produce a non-empty ISO message id",
+      assert: { path: "bank.isoMessageId", op: "exists" },
+    },
+    {
+      id: "state.is_validating",
+      description: "commit is only valid from VALIDATING",
+      assert: { path: "state", op: "eq", value: "VALIDATING" },
+    },
+    {
+      id: "no_exception_holds",
+      description: "no exception may be outstanding",
+      assert: { path: "exceptions.active", op: "length_lte", value: 0 },
+    },
+  ],
+};
+
+/* -----------------------------------------------------------------
+ * Loader: RULES_FILE env points at a JSON file containing a map
+ * {ruleSetId: RuleSet}. Falls back to built-ins on any error.
+ * --------------------------------------------------------------- */
+
+let cachedOverrides: Record<string, RuleSet> | undefined;
+
+export function getRuleSet(id: string): RuleSet {
+  if (cachedOverrides === undefined) {
+    cachedOverrides = {};
+    const path = process.env.RULES_FILE;
+    if (path) {
+      try {
+        const raw = readFileSync(path, "utf8");
+        const parsed = JSON.parse(raw) as Record<string, RuleSet>;
+        if (parsed && typeof parsed === "object") cachedOverrides = parsed;
+      } catch {
+        // leave empty — silent fall-through to built-ins
+      }
+    }
+  }
+  if (cachedOverrides[id]) return cachedOverrides[id];
+  if (id === BUILTIN_PRECONDITIONS.id) return BUILTIN_PRECONDITIONS;
+  if (id === BUILTIN_COMMIT.id) return BUILTIN_COMMIT;
+  return { id, rules: [] };
+}
+
+export function __resetRulesCacheForTests(): void {
+  cachedOverrides = undefined;
+}

orchestrator/src/services/stateMachine.ts

@@ -0,0 +1,174 @@
+/**
+ * Transaction state-machine service.
+ *
+ * Centralized enforcement of architecture note §9 (state-transition rules).
+ * The coordinator, exception manager, and any operator action must route
+ * through `transition()` so the transition table and segregation-of-duties
+ * matrix are applied identically everywhere.
+ */
+
+import { query, transaction as dbTransaction } from "../db/postgres";
+import {
+  ALLOWED_TRANSITIONS,
+  ROLE_FOR_TRANSITION,
+  SOD_REQUIRED_TRANSITIONS,
+  canTransition,
+  type ActorRole,
+  type TransactionState,
+} from "../types/transactionState";
+
+export interface TransitionRequest {
+  planId: string;
+  from: TransactionState;
+  to: TransactionState;
+  actor: string;
+  actorRole: ActorRole;
+  reason?: string;
+  sourceEventId?: string;
+  signature?: string;
+}
+
+export class StateTransitionError extends Error {
+  constructor(
+    message: string,
+    public readonly code:
+      | "illegal_transition"
+      | "sod_violation"
+      | "stale_from_state"
+      | "terminal_state",
+  ) {
+    super(message);
+    this.name = "StateTransitionError";
+  }
+}
+
+/**
+ * Execute a state transition atomically: verify legality, enforce SoD,
+ * update `plans.transaction_state`, and append a row to
+ * `transaction_state_transitions`.
+ *
+ * Throws `StateTransitionError` if the transition is not legal or violates
+ * segregation-of-duties.
+ */
+export async function transition(req: TransitionRequest): Promise<void> {
+  if (!canTransition(req.from, req.to)) {
+    throw new StateTransitionError(
+      `Transition ${req.from} -> ${req.to} is not in the allowed table`,
+      "illegal_transition",
+    );
+  }
+
+  const key = `${req.from}->${req.to}` as const;
+  if (SOD_REQUIRED_TRANSITIONS.has(key)) {
+    const requiredRole = ROLE_FOR_TRANSITION[key];
+    if (req.actorRole !== requiredRole) {
+      throw new StateTransitionError(
+        `Transition ${key} requires role '${requiredRole}' but actor '${req.actor}' has role '${req.actorRole}'`,
+        "sod_violation",
+      );
+    }
+    // SoD: the actor executing the transition must not be the same as the
+    // actor who drove the previous human-gated transition. We enforce this
+    // at the coordinator level by looking at the transition log.
+    const prior = await query<{ actor: string; actor_role: ActorRole }>(
+      `SELECT actor, actor_role FROM transaction_state_transitions
+        WHERE plan_id = $1
+          AND actor_role IN ('approver','releaser','exception_manager')
+        ORDER BY created_at DESC
+        LIMIT 1`,
+      [req.planId],
+    );
+    if (prior.length > 0 && prior[0].actor === req.actor) {
+      throw new StateTransitionError(
+        `SoD violation: actor '${req.actor}' already drove the previous gated transition`,
+        "sod_violation",
+      );
+    }
+  }
+
+  await dbTransaction(async (client) => {
+    const current = await client.query<{ transaction_state: TransactionState }>(
+      "SELECT transaction_state FROM plans WHERE plan_id = $1 FOR UPDATE",
+      [req.planId],
+    );
+    if (current.rows.length === 0) {
+      throw new StateTransitionError(
+        `Plan ${req.planId} not found`,
+        "stale_from_state",
+      );
+    }
+    if (current.rows[0].transaction_state !== req.from) {
+      throw new StateTransitionError(
+        `Plan ${req.planId} is in state '${current.rows[0].transaction_state}', not '${req.from}'`,
+        "stale_from_state",
+      );
+    }
+    if (ALLOWED_TRANSITIONS[current.rows[0].transaction_state].length === 0) {
+      throw new StateTransitionError(
+        `Plan ${req.planId} is in terminal state '${current.rows[0].transaction_state}'`,
+        "terminal_state",
+      );
+    }
+
+    await client.query(
+      "UPDATE plans SET transaction_state = $1, updated_at = CURRENT_TIMESTAMP WHERE plan_id = $2",
+      [req.to, req.planId],
+    );
+    await client.query(
+      `INSERT INTO transaction_state_transitions (
+         plan_id, from_state, to_state, reason, source_event_id,
+         actor, actor_role, signature
+       ) VALUES ($1, $2, $3, $4, $5, $6, $7, $8)`,
+      [
+        req.planId,
+        req.from,
+        req.to,
+        req.reason ?? null,
+        req.sourceEventId ?? null,
+        req.actor,
+        req.actorRole,
+        req.signature ?? null,
+      ],
+    );
+  });
+}
+
+/**
+ * Get the current transaction state for a plan.
+ */
+export async function getTransactionState(
+  planId: string,
+): Promise<TransactionState | null> {
+  const rows = await query<{ transaction_state: TransactionState }>(
+    "SELECT transaction_state FROM plans WHERE plan_id = $1",
+    [planId],
+  );
+  return rows.length > 0 ? rows[0].transaction_state : null;
+}
+
+/**
+ * Get the full state-transition history for a plan.
+ */
+export async function getTransitionHistory(
+  planId: string,
+): Promise<
+  Array<{
+    from_state: TransactionState | null;
+    to_state: TransactionState;
+    reason: string | null;
+    actor: string;
+    actor_role: ActorRole;
+    signature: string | null;
+    source_event_id: string | null;
+    created_at: Date;
+  }>
+> {
+  return await query(
+    `SELECT from_state, to_state, reason, actor, actor_role, signature,
+            source_event_id, created_at
+       FROM transaction_state_transitions
+      WHERE plan_id = $1
+      ORDER BY created_at ASC`,
+    [planId],
+  );
+}

orchestrator/src/services/swift/camt.ts

@@ -0,0 +1,129 @@
+/**
+ * camt.025 (Receipt) and camt.054 (Bank-to-Customer Debit/Credit
+ * Notification) ingestion.
+ *
+ * Arch §4.3 + §9.2. These are the inbound settlement-confirmation
+ * messages that allow the VALIDATING phase to mark the payment leg
+ * as SETTLED. The parser is intentionally minimal — just enough to
+ * extract the fields the VALIDATING reconciliation compares against.
+ */
+
+export interface Camt025Receipt {
+  type: "camt.025";
+  messageId: string;
+  originalMessageId: string;
+  status: "ACCP" | "ACSC" | "ACSP" | "RJCT" | "PDNG" | string;
+  reasonCode?: string;
+  dateTime?: string;
+}
+
+export interface Camt054Notification {
+  type: "camt.054";
+  messageId: string;
+  creditDebitIndicator: "CRDT" | "DBIT";
+  amount: number;
+  currency: string;
+  endToEndId?: string;
+  valueDate?: string;
+  bookingDate?: string;
+}
+
+export type CamtMessage = Camt025Receipt | Camt054Notification;
+
+function extractTag(xml: string, tag: string): string | undefined {
+  const re = new RegExp(`<${tag}[^>]*>([^<]*)</${tag}>`);
+  const m = re.exec(xml);
+  return m ? m[1].trim() : undefined;
+}
+
+function extractAmountWithCcy(xml: string, tag: string): { amount: number; currency: string } | undefined {
+  const re = new RegExp(`<${tag}[^>]*Ccy="([A-Z]{3})"[^>]*>([^<]*)</${tag}>`);
+  const m = re.exec(xml);
+  return m ? { currency: m[1], amount: Number(m[2]) } : undefined;
+}
+
+/**
+ * Parse a camt.025 Receipt. Only fields used by the orchestrator are
+ * surfaced; everything else stays in the raw XML.
+ */
+export function parseCamt025(xml: string): Camt025Receipt {
+  if (!/xmlns="urn:iso:std:iso:20022:tech:xsd:camt\.025/.test(xml)) {
+    throw new Error("camt.025: xmlns marker not found");
+  }
+  const messageId = extractTag(xml, "MsgId") ?? "";
+  const originalMessageId = extractTag(xml, "OrgnlMsgId") ?? "";
+  const status = (extractTag(xml, "Cd") ?? extractTag(xml, "ConfSts") ?? "PDNG") as Camt025Receipt["status"];
+  const reasonCode = extractTag(xml, "PrtryStsRsn") ?? extractTag(xml, "Rsn");
+  const dateTime = extractTag(xml, "CreDtTm");
+  if (!messageId) throw new Error("camt.025: missing MsgId");
+  if (!originalMessageId) throw new Error("camt.025: missing OrgnlMsgId");
+  return { type: "camt.025", messageId, originalMessageId, status, reasonCode, dateTime };
+}
+
+/**
+ * Parse a camt.054 Credit/Debit Notification.
+ */
+export function parseCamt054(xml: string): Camt054Notification {
+  if (!/xmlns="urn:iso:std:iso:20022:tech:xsd:camt\.054/.test(xml)) {
+    throw new Error("camt.054: xmlns marker not found");
+  }
+  const messageId = extractTag(xml, "MsgId") ?? "";
+  const cdtDbt = (extractTag(xml, "CdtDbtInd") ?? "CRDT") as "CRDT" | "DBIT";
+  const amt = extractAmountWithCcy(xml, "Amt");
+  if (!amt) throw new Error("camt.054: missing Amt");
+  const endToEndId = extractTag(xml, "EndToEndId");
+  const valueDate = extractTag(xml, "ValDt");
+  const bookingDate = extractTag(xml, "BookgDt");
+  if (!messageId) throw new Error("camt.054: missing MsgId");
+  return {
+    type: "camt.054",
+    messageId,
+    creditDebitIndicator: cdtDbt,
+    amount: amt.amount,
+    currency: amt.currency,
+    endToEndId,
+    valueDate,
+    bookingDate,
+  };
+}
+
+/**
+ * Dispatch on the xmlns marker. Throws if the document is neither
+ * camt.025 nor camt.054.
+ */
+export function parseCamt(xml: string): CamtMessage {
+  if (/xmlns="urn:iso:std:iso:20022:tech:xsd:camt\.025/.test(xml)) return parseCamt025(xml);
+  if (/xmlns="urn:iso:std:iso:20022:tech:xsd:camt\.054/.test(xml)) return parseCamt054(xml);
+  throw new Error("camt: unsupported or missing xmlns (expected camt.025 or camt.054)");
+}
+
+/**
+ * Reconcile a camt.054 credit notification against an expected
+ * (amount, currency, endToEndId). Returns the list of mismatches so
+ * VALIDATING can feed them into Data.valueMismatch().
+ */
+export interface ReconcileExpected {
+  amount: number;
+  currency: string;
+  endToEndId?: string;
+}
+
+export function reconcileCamt054(
+  msg: Camt054Notification,
+  expected: ReconcileExpected,
+): Array<{ field: string; expected: unknown; actual: unknown }> {
+  const mismatches: Array<{ field: string; expected: unknown; actual: unknown }> = [];
+  if (msg.creditDebitIndicator !== "CRDT") {
+    mismatches.push({ field: "creditDebitIndicator", expected: "CRDT", actual: msg.creditDebitIndicator });
+  }
+  if (msg.currency !== expected.currency) {
+    mismatches.push({ field: "currency", expected: expected.currency, actual: msg.currency });
+  }
+  if (msg.amount !== expected.amount) {
+    mismatches.push({ field: "amount", expected: expected.amount, actual: msg.amount });
+  }
+  if (expected.endToEndId && msg.endToEndId && msg.endToEndId !== expected.endToEndId) {
+    mismatches.push({ field: "endToEndId", expected: expected.endToEndId, actual: msg.endToEndId });
+  }
+  return mismatches;
+}

orchestrator/src/services/swift/index.ts

@@ -0,0 +1,36 @@
+/**
+ * SWIFT gateway — public surface (arch §4.2 + §4.3).
+ *
+ * Outbound generators:
+ *   - generateMt760   : issuance of SBLC (Cat-7 FIN)
+ *   - generatePacs009 : FI-to-FI credit transfer (ISO 20022 XML)
+ *   - generateMt202   : FIN equivalent of pacs.009 for non-migrated
+ *                       corridors
+ *
+ * Inbound parsers:
+ *   - parseCamt025    : receipt / status of a prior instruction
+ *   - parseCamt054    : bank-to-customer credit/debit notification
+ *   - reconcileCamt054: diff a camt.054 against the expected amount,
+ *                       currency, and end-to-end id
+ *
+ * Channel selection (arch §9.2 accepted !== settled):
+ *   - pacs.008 remains the customer-initiated PSP channel (existing
+ *     `services/iso20022.ts`). COMMIT must not fire on pacs.008
+ *     "acceptance" alone.
+ *   - pacs.009 / MT202 is the interbank settlement channel; COMMIT
+ *     requires either camt.025 ACSC or camt.054 CRDT evidence here.
+ */
+
+export { generateMt760, messageHash, type Mt760Message } from "./mt760";
+export { generatePacs009, type Pacs009Options, type Pacs009Result } from "./pacs009";
+export { generateMt202, type Mt202Options, type Mt202Message } from "./mt202";
+export {
+  parseCamt,
+  parseCamt025,
+  parseCamt054,
+  reconcileCamt054,
+  type Camt025Receipt,
+  type Camt054Notification,
+  type CamtMessage,
+  type ReconcileExpected,
+} from "./camt";

orchestrator/src/services/swift/mt202.ts

@@ -0,0 +1,78 @@
+/**
+ * MT202 COV — General Financial Institution Transfer (cover method).
+ *
+ * Arch §4.3. FIN equivalent of pacs.009 used on SWIFT networks that
+ * have not yet migrated to ISO 20022. Generated alongside pacs.009
+ * during transitional period — settlement confirmation can arrive on
+ * either channel.
+ */
+
+import type { Plan, PlanStep } from "../../types/plan";
+
+export interface Mt202Options {
+  transactionReference: string;
+  relatedReference?: string;
+  valueDate: string;           // YYYY-MM-DD
+  sendingInstitution: string;  // BIC
+  receivingInstitution: string;// BIC
+  beneficiaryInstitution: string; // BIC
+  orderingInstitution?: string;// BIC
+}
+
+export interface Mt202Message {
+  sender: string;
+  receiver: string;
+  fin: string;
+  fields: Record<string, string>;
+}
+
+function yyMMdd(iso: string): string {
+  const m = /^(\d{4})-(\d{2})-(\d{2})$/.exec(iso);
+  if (!m) throw new Error(`MT202: valueDate must be YYYY-MM-DD, got '${iso}'`);
+  return `${m[1].slice(2)}${m[2]}${m[3]}`;
+}
+
+function bicCheck(bic: string, field: string): void {
+  if (!/^[A-Z0-9]{8}([A-Z0-9]{3})?$/.test(bic)) {
+    throw new Error(`MT202: ${field} must be a valid BIC, got '${bic}'`);
+  }
+}
+
+function findPayStep(plan: Plan): PlanStep {
+  const step = plan.steps.find((s) => s.type === "pay");
+  if (!step) throw new Error("MT202: plan must contain a 'pay' step");
+  return step;
+}
+
+export function generateMt202(plan: Plan, opts: Mt202Options): Mt202Message {
+  bicCheck(opts.sendingInstitution, "sendingInstitution");
+  bicCheck(opts.receivingInstitution, "receivingInstitution");
+  bicCheck(opts.beneficiaryInstitution, "beneficiaryInstitution");
+  if (opts.orderingInstitution) bicCheck(opts.orderingInstitution, "orderingInstitution");
+
+  const payStep = findPayStep(plan);
+  const ccy = (payStep.asset ?? "USD").toUpperCase();
+  const amount = payStep.amount.toFixed(2).replace(".", ",");
+  const field32A = `${yyMMdd(opts.valueDate)}${ccy}${amount}`;
+
+  const fields: Record<string, string> = {
+    "20": opts.transactionReference,
+    "21": opts.relatedReference ?? opts.transactionReference,
+    "32A": field32A,
+    "52A": opts.orderingInstitution ?? opts.sendingInstitution,
+    "57A": opts.receivingInstitution,
+    "58A": opts.beneficiaryInstitution,
+  };
+
+  const block1 = `{1:F01${opts.sendingInstitution.padEnd(12, "X")}0000000000}`;
+  const block2 = `{2:I202${opts.receivingInstitution.padEnd(12, "X")}N}`;
+  const block4 = Object.entries(fields).map(([t, v]) => `:${t}:${v}`).join("\n");
+  const block4Wrapped = `{4:\n${block4}\n-}`;
+
+  return {
+    sender: opts.sendingInstitution,
+    receiver: opts.receivingInstitution,
+    fin: `${block1}${block2}${block4Wrapped}`,
+    fields,
+  };
+}

orchestrator/src/services/swift/mt760.ts

@@ -0,0 +1,112 @@
+/**
+ * MT760 — Issue of a Demand Guarantee / Standby Letter of Credit
+ * (arch §4.2 Banking Instrument Layer + §6 Instrument Terms Hash).
+ *
+ * SWIFT FIN message. This is the issuance leg of the two-phase
+ * commit. Output is deterministic so the planHash anchored on-chain
+ * can be reproduced by any party with access to the InstrumentTerms.
+ *
+ * Reference: SWIFT FIN Category 7 User Handbook, MT760 format;
+ * Emirates Islamic Bank beneficiary-format SBLC template.
+ */
+
+import { createHash } from "crypto";
+import type { InstrumentTerms } from "../../types/plan";
+
+export interface Mt760Message {
+  sender: string;
+  receiver: string;
+  messageReference: string;
+  fin: string;
+  fields: Record<string, string>;
+}
+
+function formatAmount(amount: number, currency: string): string {
+  // SWIFT FIN amount: 3-letter currency + 15n,2d (max), decimal comma.
+  if (amount < 0) throw new Error("MT760: amount must be non-negative");
+  return `${currency}${amount.toFixed(2).replace(".", ",")}`;
+}
+
+function yyMMdd(iso: string): string {
+  // Accept YYYY-MM-DD and return YYMMDD.
+  const m = /^(\d{4})-(\d{2})-(\d{2})$/.exec(iso);
+  if (!m) throw new Error(`MT760: expiryDate must be YYYY-MM-DD, got '${iso}'`);
+  return `${m[1].slice(2)}${m[2]}${m[3]}`;
+}
+
+/**
+ * Render an MT760 from an InstrumentTerms record. Uses the
+ * block-structured FIN format (Block 1/2/4/5). Tag codes:
+ *
+ *   :20:   Transaction reference number
+ *   :23:   Further identification
+ *   :27:   Sequence of total (here: 1/1)
+ *   :30:   Date of issue
+ *   :40C:  Applicable rules (URDG 758, UCP 600)
+ *   :31D:  Date and place of expiry
+ *   :50:   Applicant
+ *   :52A:  Issuing bank (BIC)
+ *   :59:   Beneficiary name + account
+ *   :32B:  Amount
+ *   :77C:  Details of guarantee
+ *   :72Z:  Sender to receiver info
+ */
+export function generateMt760(
+  terms: InstrumentTerms,
+  opts: { transactionReference: string; issueDate: string },
+): Mt760Message {
+  const sender = terms.issuingBankBIC;
+  const receiver = terms.beneficiaryBankBIC;
+  const field32B = formatAmount(terms.amount, terms.currency);
+  const field31D = `${yyMMdd(terms.expiryDate)}${terms.placeOfPresentation.toUpperCase()}`;
+
+  const fields: Record<string, string> = {
+    "20": opts.transactionReference,
+    "23": "ISSUE OF STANDBY LETTER OF CREDIT",
+    "27": "1/1",
+    "30": yyMMdd(opts.issueDate),
+    "40C": terms.governingLaw,
+    "31D": field31D,
+    "50": terms.applicant,
+    "52A": terms.issuingBankBIC,
+    "59": [terms.beneficiaryName, terms.beneficiaryAccount].filter(Boolean).join("\n"),
+    "32B": field32B,
+    "77C": [
+      `TEMPLATE/${terms.templateRef}`,
+      `TEMPLATE_HASH/${terms.templateHash}`,
+      `TENOR/${terms.tenor}`,
+    ].join("\n"),
+    "72Z": `GOVLAW/${terms.governingLaw}`,
+  };
+
+  // Build FIN block 4 body with :tag:value sequences.
+  const block4 = Object.entries(fields)
+    .map(([tag, value]) => `:${tag}:${value}`)
+    .join("\n");
+
+  const block1 = `{1:F01${sender.padEnd(12, "X")}0000000000}`;
+  const block2 = `{2:I760${receiver.padEnd(12, "X")}N}`;
+  const block4Wrapped = `{4:\n${block4}\n-}`;
+  const block5 = `{5:{CHK:${checksum(block4)}}}`;
+
+  const fin = `${block1}${block2}${block4Wrapped}${block5}`;
+
+  return { sender, receiver, messageReference: opts.transactionReference, fin, fields };
+}
+
+/**
+ * Deterministic SHA-256 over the canonical field list. Matches
+ * InstrumentTerms.templateHash when all 11 required fields are filled
+ * in with the SBLC template values.
+ */
+export function messageHash(msg: Mt760Message): string {
+  const canonical = Object.entries(msg.fields)
+    .sort(([a], [b]) => a.localeCompare(b))
+    .map(([k, v]) => `${k}=${v}`)
+    .join("\n");
+  return createHash("sha256").update(canonical).digest("hex");
+}
+
+function checksum(block4Body: string): string {
+  return createHash("sha256").update(block4Body).digest("hex").slice(0, 12).toUpperCase();
+}

orchestrator/src/services/swift/pacs009.ts

@@ -0,0 +1,94 @@
+/**
+ * pacs.009 — Financial Institution Credit Transfer (ISO 20022).
+ *
+ * Arch §4.3 Payment Messaging / Settlement Layer. Used for
+ * **bank-to-bank** credit transfers (the interbank leg); pacs.008 is
+ * for **customer-to-bank** PSP-initiated transfers. The gap-analysis
+ * flagged that ExecutionCoordinator was generating pacs.008 for what
+ * is actually a FI-to-FI settlement leg — this module fixes that.
+ *
+ * Reference: ISO 20022 Payments Maintenance 2019 / 2022,
+ * pacs.009.001.08 schema.
+ */
+
+import type { Plan, PlanStep } from "../../types/plan";
+
+export interface Pacs009Options {
+  messageId: string;
+  creationDateTime?: string;
+  instructingAgentBIC: string;
+  instructedAgentBIC: string;
+  debtorAgentBIC: string;
+  creditorAgentBIC: string;
+  endToEndId?: string;
+}
+
+export interface Pacs009Result {
+  messageId: string;
+  endToEndId: string;
+  xml: string;
+}
+
+function bicCheck(bic: string, field: string): void {
+  if (!/^[A-Z0-9]{8}([A-Z0-9]{3})?$/.test(bic)) {
+    throw new Error(`pacs.009: ${field} must be a valid BIC, got '${bic}'`);
+  }
+}
+
+function findPayStep(plan: Plan): PlanStep {
+  const step = plan.steps.find((s) => s.type === "pay");
+  if (!step) throw new Error("pacs.009: plan must contain a 'pay' step");
+  return step;
+}
+
+/**
+ * Render a pacs.009.001.08 XML message for the interbank leg of the
+ * plan's `pay` step.
+ */
+export function generatePacs009(plan: Plan, opts: Pacs009Options): Pacs009Result {
+  bicCheck(opts.instructingAgentBIC, "instructingAgentBIC");
+  bicCheck(opts.instructedAgentBIC, "instructedAgentBIC");
+  bicCheck(opts.debtorAgentBIC, "debtorAgentBIC");
+  bicCheck(opts.creditorAgentBIC, "creditorAgentBIC");
+
+  const payStep = findPayStep(plan);
+  const messageId = opts.messageId;
+  const endToEndId = opts.endToEndId ?? `E2E-${plan.plan_id ?? messageId}`;
+  const creDtTm = opts.creationDateTime ?? new Date().toISOString();
+  const ccy = (payStep.asset ?? "USD").toUpperCase();
+  const amount = payStep.amount.toFixed(2);
+  const settleDate = creDtTm.split("T")[0];
+
+  const xml = `<?xml version="1.0" encoding="UTF-8"?>
+<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.009.001.08">
+  <FICdtTrf>
+    <GrpHdr>
+      <MsgId>${escapeXml(messageId)}</MsgId>
+      <CreDtTm>${escapeXml(creDtTm)}</CreDtTm>
+      <NbOfTxs>1</NbOfTxs>
+      <SttlmInf><SttlmMtd>INGA</SttlmMtd></SttlmInf>
+      <InstgAgt><FinInstnId><BICFI>${opts.instructingAgentBIC}</BICFI></FinInstnId></InstgAgt>
+      <InstdAgt><FinInstnId><BICFI>${opts.instructedAgentBIC}</BICFI></FinInstnId></InstdAgt>
+    </GrpHdr>
+    <CdtTrfTxInf>
+      <PmtId>
+        <InstrId>${escapeXml(messageId)}</InstrId>
+        <EndToEndId>${escapeXml(endToEndId)}</EndToEndId>
+        <TxId>${escapeXml(messageId)}</TxId>
+      </PmtId>
+      <IntrBkSttlmAmt Ccy="${ccy}">${amount}</IntrBkSttlmAmt>
+      <IntrBkSttlmDt>${settleDate}</IntrBkSttlmDt>
+      <Dbtr><FinInstnId><BICFI>${opts.debtorAgentBIC}</BICFI></FinInstnId></Dbtr>
+      <DbtrAgt><FinInstnId><BICFI>${opts.debtorAgentBIC}</BICFI></FinInstnId></DbtrAgt>
+      <CdtrAgt><FinInstnId><BICFI>${opts.creditorAgentBIC}</BICFI></FinInstnId></CdtrAgt>
+      <Cdtr><FinInstnId><BICFI>${opts.creditorAgentBIC}</BICFI></FinInstnId></Cdtr>
+    </CdtTrfTxInf>
+  </FICdtTrf>
+</Document>`;
+
+  return { messageId, endToEndId, xml };
+}
+
+function escapeXml(s: string): string {
+  return s.replace(/[<>&"']/g, (c) => ({ "<": "&lt;", ">": "&gt;", "&": "&amp;", '"': "&quot;", "'": "&apos;" }[c]!));
+}

orchestrator/src/types/plan.ts

@@ -1,3 +1,91 @@
+/**
+ * Canonical data objects for the multi-layer atomic settlement architecture.
+ *
+ * A Plan models a single workflow-level atomic transaction composed of
+ * multiple legs (DLT borrow/swap/repay, fiat payment, banking instrument
+ * issuance). The combination must commit or abort as one unit.
+ */
+
+import type { TransactionState } from "./transactionState";
+
+export type PlanStepType = "borrow" | "swap" | "repay" | "pay" | "issueInstrument";
+
+export interface BeneficiaryCoordinates {
+  /** ISO 20022 / SEPA IBAN */
+  IBAN?: string;
+  /** BIC / SWIFT code of the beneficiary bank */
+  BIC?: string;
+  /** Beneficiary legal name */
+  name?: string;
+  /** Optional beneficiary bank legal name (for FI credit transfers) */
+  bankName?: string;
+}
+
+/**
+ * Instrument-leg fields — used by `type: "issueInstrument"` steps.
+ *
+ * Based on the Emirates Islamic beneficiary-format SBLC / MT760 template.
+ * Each field corresponds to a MT760 / UCP 600 concept:
+ *
+ *   - applicant                    MT760 field 50
+ *   - issuingBankBIC               MT760 sender / field 52a
+ *   - beneficiaryBankBIC           MT760 field 57a (advising bank)
+ *   - beneficiaryName              MT760 field 59
+ *   - beneficiaryAccount           MT760 field 59 (secondary)
+ *   - amount + currency            MT760 field 32B
+ *   - tenor                        MT760 field 42C (e.g. "90D", "1Y")
+ *   - expiryDate                   MT760 field 31D (YYYY-MM-DD)
+ *   - placeOfPresentation          MT760 field 78 / 49
+ *   - governingLaw                 MT760 field 40E (e.g. "URDG 758", "UCP 600", "ISP98")
+ *   - templateRef + templateHash   pointer + integrity hash of the agreed text
+ */
+export interface InstrumentTerms {
+  applicant: string;
+  issuingBankBIC: string;
+  beneficiaryBankBIC: string;
+  beneficiaryName: string;
+  beneficiaryAccount?: string;
+  amount: number;
+  currency: string;
+  tenor: string;
+  expiryDate: string;
+  placeOfPresentation: string;
+  governingLaw: string;
+  templateRef: string;
+  /** SHA-256 of the agreed instrument text, hex-encoded without 0x prefix. */
+  templateHash: string;
+}
+
+export interface PlanStep {
+  type: PlanStepType;
+  asset?: string;
+  amount: number;
+  from?: string;
+  to?: string;
+  collateralRef?: string;
+  beneficiary?: BeneficiaryCoordinates;
+  /** Populated iff `type === "issueInstrument"`. */
+  instrument?: InstrumentTerms;
+}
+
+/**
+ * Participant entry in the registry. Each transaction binds at least
+ * one role per participant. Used for segregation-of-duties enforcement
+ * on state transitions.
+ */
+export interface Participant {
+  id: string;
+  role:
+    | "applicant"
+    | "issuing_bank"
+    | "beneficiary_bank"
+    | "beneficiary"
+    | "coordinator"
+    | "observer";
+  lei?: string;
+  did?: string;
+}
+
 export interface Plan {
   plan_id?: string;
   creator: string;
@@ -7,20 +95,10 @@ export interface Plan {
   signature?: string;
   plan_hash?: string;
   created_at?: string;
+  /** Legacy execution status (pending | complete | aborted). */
   status?: string;
+  /** Full 12-state workflow state (architecture note §8). */
+  transaction_state?: TransactionState;
+  /** Optional participant registry. */
+  participants?: Participant[];
 }
-
-export interface PlanStep {
-  type: "borrow" | "swap" | "repay" | "pay";
-  asset?: string;
-  amount: number;
-  from?: string;
-  to?: string;
-  collateralRef?: string;
-  beneficiary?: {
-    IBAN?: string;
-    BIC?: string;
-    name?: string;
-  };
-}
-

orchestrator/src/types/transactionState.ts

@@ -0,0 +1,87 @@
+/**
+ * Transaction state machine — architecture note §8–§9.
+ *
+ * Workflow-level atomicity is enforced by constraining the plan lifecycle to
+ * this set of states and this transition table. The coordinator and the
+ * database CHECK constraint both reference this module so the values are
+ * source-of-truth identical.
+ */
+
+export const TRANSACTION_STATES = [
+  "DRAFT",
+  "INITIATED",
+  "PRECONDITIONS_PENDING",
+  "READY_FOR_PREPARE",
+  "PREPARED",
+  "EXECUTING",
+  "PARTIALLY_EXECUTED",
+  "VALIDATING",
+  "COMMITTED",
+  "ABORTED",
+  "UNWIND_PENDING",
+  "CLOSED",
+] as const;
+
+export type TransactionState = (typeof TRANSACTION_STATES)[number];
+
+export const TERMINAL_STATES: ReadonlySet<TransactionState> = new Set(["CLOSED"]);
+
+/**
+ * Architecture note §9.1 — permitted high-level transitions.
+ *
+ * Keys are `from` states; values are the set of legal `to` states.
+ * Any transition not listed here must be rejected.
+ */
+export const ALLOWED_TRANSITIONS: Readonly<Record<TransactionState, ReadonlyArray<TransactionState>>> = {
+  DRAFT: ["INITIATED"],
+  INITIATED: ["PRECONDITIONS_PENDING"],
+  PRECONDITIONS_PENDING: ["READY_FOR_PREPARE", "ABORTED"],
+  READY_FOR_PREPARE: ["PREPARED", "ABORTED"],
+  PREPARED: ["EXECUTING", "ABORTED"],
+  EXECUTING: ["PARTIALLY_EXECUTED", "VALIDATING", "ABORTED"],
+  PARTIALLY_EXECUTED: ["VALIDATING", "ABORTED"],
+  VALIDATING: ["COMMITTED", "ABORTED"],
+  COMMITTED: ["CLOSED"],
+  ABORTED: ["UNWIND_PENDING", "CLOSED"],
+  UNWIND_PENDING: ["CLOSED"],
+  CLOSED: [],
+};
+
+export function canTransition(from: TransactionState, to: TransactionState): boolean {
+  return ALLOWED_TRANSITIONS[from]?.includes(to) ?? false;
+}
+
+/**
+ * Actor roles allowed to execute a transition. The coordinator may always
+ * drive any transition programmatically; approver / releaser roles are
+ * constrained for segregation-of-duties purposes (architecture note §13).
+ */
+export type ActorRole =
+  | "coordinator"
+  | "approver"
+  | "releaser"
+  | "validator"
+  | "exception_manager"
+  | "operator";
+
+/**
+ * Transitions that require a non-coordinator human actor (segregation of duties).
+ * Per architecture note §13: "segregation of duties for approval and release
+ * actions".
+ */
+export const SOD_REQUIRED_TRANSITIONS: ReadonlySet<`${TransactionState}->${TransactionState}`> = new Set([
+  "READY_FOR_PREPARE->PREPARED", // release approval
+  "PREPARED->EXECUTING",          // release action
+  "VALIDATING->COMMITTED",        // final commit approval
+  "ABORTED->UNWIND_PENDING",      // unwind authorization
+]);
+
+/**
+ * Role required for each segregation-of-duties checkpoint.
+ */
+export const ROLE_FOR_TRANSITION: Readonly<Record<string, ActorRole>> = {
+  "READY_FOR_PREPARE->PREPARED": "approver",
+  "PREPARED->EXECUTING": "releaser",
+  "VALIDATING->COMMITTED": "approver",
+  "ABORTED->UNWIND_PENDING": "exception_manager",
+};

orchestrator/tests/config/externalBlockers.test.ts

@@ -0,0 +1,119 @@
+/**
+ * Unit tests for the EXT-* external-dependency blocker registry.
+ * Headless — no network, no UI.
+ */
+
+import {
+  EXT_BLOCKER_IDS,
+  BLOCKER_DETAILS,
+  evaluateBlockers,
+  activeBlockers,
+  logBlockerStatusAtBoot,
+} from "../../src/config/externalBlockers";
+
+describe("externalBlockers registry", () => {
+  it("exposes exactly the 7 blocker IDs the proxmox checker tracks", () => {
+    expect(EXT_BLOCKER_IDS).toEqual([
+      "EXT-DBIS-CORE",
+      "EXT-CC-PAYMENT-ADAPTERS",
+      "EXT-CC-AUDIT-LEDGER",
+      "EXT-CC-SHARED-EVENTS",
+      "EXT-CC-SHARED-SCHEMAS",
+      "EXT-FIN-GATEWAY",
+      "EXT-CHAIN138-CI-RPC",
+    ]);
+  });
+
+  it("has a detail record for every id", () => {
+    for (const id of EXT_BLOCKER_IDS) {
+      expect(BLOCKER_DETAILS[id]).toBeDefined();
+      expect(BLOCKER_DETAILS[id].id).toBe(id);
+      expect(BLOCKER_DETAILS[id].title.length).toBeGreaterThan(0);
+      expect(BLOCKER_DETAILS[id].description.length).toBeGreaterThan(0);
+    }
+  });
+});
+
+describe("evaluateBlockers()", () => {
+  it("marks everything active on an empty env", () => {
+    const records = evaluateBlockers({});
+    expect(records).toHaveLength(EXT_BLOCKER_IDS.length);
+    expect(records.every((r) => r.status === "active")).toBe(true);
+  });
+
+  it("resolves EXT-DBIS-CORE when DBIS_CORE_URL is set", () => {
+    const records = evaluateBlockers({ DBIS_CORE_URL: "http://x.test" });
+    const rec = records.find((r) => r.id === "EXT-DBIS-CORE");
+    expect(rec?.status).toBe("resolved");
+    expect(rec?.resolvedVia).toBe("DBIS_CORE_URL");
+  });
+
+  it("resolves EXT-FIN-GATEWAY when FIN_SANDBOX_URL is set", () => {
+    const records = evaluateBlockers({ FIN_SANDBOX_URL: "http://fin.test" });
+    expect(records.find((r) => r.id === "EXT-FIN-GATEWAY")?.status).toBe("resolved");
+  });
+
+  it("resolves EXT-CHAIN138-CI-RPC when CHAIN_138_RPC_URL is set", () => {
+    const records = evaluateBlockers({
+      CHAIN_138_RPC_URL: "https://rpc.public-0138.defi-oracle.io",
+    });
+    expect(records.find((r) => r.id === "EXT-CHAIN138-CI-RPC")?.status).toBe("resolved");
+  });
+
+  it("leaves cc-* scaffold blockers active regardless of env", () => {
+    const records = evaluateBlockers({
+      DBIS_CORE_URL: "http://x",
+      FIN_SANDBOX_URL: "http://y",
+      CHAIN_138_RPC_URL: "http://z",
+    });
+    const scaffoldIds = [
+      "EXT-CC-PAYMENT-ADAPTERS",
+      "EXT-CC-AUDIT-LEDGER",
+      "EXT-CC-SHARED-EVENTS",
+      "EXT-CC-SHARED-SCHEMAS",
+    ];
+    for (const id of scaffoldIds) {
+      expect(records.find((r) => r.id === id)?.status).toBe("active");
+    }
+  });
+
+  it("treats empty-string env var as unset (not resolved)", () => {
+    const records = evaluateBlockers({ DBIS_CORE_URL: "" });
+    expect(records.find((r) => r.id === "EXT-DBIS-CORE")?.status).toBe("active");
+  });
+});
+
+describe("activeBlockers()", () => {
+  it("returns 7 when env is empty", () => {
+    expect(activeBlockers({})).toHaveLength(7);
+  });
+
+  it("returns 6 when Chain-138 RPC is resolved", () => {
+    const ids = activeBlockers({
+      CHAIN_138_RPC_URL: "https://rpc.public-0138.defi-oracle.io",
+    });
+    expect(ids).not.toContain("EXT-CHAIN138-CI-RPC");
+    expect(ids).toHaveLength(6);
+  });
+});
+
+describe("logBlockerStatusAtBoot()", () => {
+  it("emits a single summary with active + resolved counts", () => {
+    const calls: Array<{ obj: Record<string, unknown>; msg: string }> = [];
+    const fakeLogger = {
+      info: (obj: Record<string, unknown>, msg: string) => calls.push({ obj, msg }),
+    };
+    const prev = process.env.CHAIN_138_RPC_URL;
+    process.env.CHAIN_138_RPC_URL = "https://rpc.public-0138.defi-oracle.io";
+    try {
+      logBlockerStatusAtBoot(fakeLogger);
+    } finally {
+      if (prev === undefined) delete process.env.CHAIN_138_RPC_URL;
+      else process.env.CHAIN_138_RPC_URL = prev;
+    }
+    expect(calls).toHaveLength(1);
+    expect(calls[0].msg).toMatch(/active,.*resolved/);
+    expect((calls[0].obj.activeCount as number) + (calls[0].obj.resolvedCount as number)).toBe(7);
+    expect(calls[0].obj.resolvedCount).toBeGreaterThanOrEqual(1);
+  });
+});

orchestrator/tests/e2e/helpers/compileNotaryRegistry.ts

@@ -0,0 +1,163 @@
+/**
+ * Helper: compile contracts/NotaryRegistry.sol + its two interfaces
+ * + @openzeppelin/contracts Ownable using solc-js in-process.
+ *
+ * Keeps the E2E suite self-contained — no dependence on a prior
+ * `hardhat compile` step, no new workspace wiring.
+ */
+
+import { readFileSync } from "fs";
+import { dirname, join, resolve } from "path";
+
+// eslint-disable-next-line @typescript-eslint/no-require-imports, @typescript-eslint/no-var-requires
+const solc = require("solc");
+
+const REPO_ROOT = resolve(__dirname, "..", "..", "..", "..");
+const CONTRACTS_ROOT = join(REPO_ROOT, "contracts");
+const OZ_ROOT = join(CONTRACTS_ROOT, "node_modules", "@openzeppelin");
+
+// ethers v6 accepts any JsonFragment-shaped array here. Declaring the
+// element type loosely keeps us decoupled from ethers' private type
+// exports while still being strictly typed against `unknown`.
+export type AbiFragment = Record<string, unknown>;
+
+export interface CompiledArtifact {
+  abi: AbiFragment[];
+  bytecode: string;
+}
+
+interface SolcSource {
+  content: string;
+}
+
+interface SolcInput {
+  language: "Solidity";
+  sources: Record<string, SolcSource>;
+  settings: {
+    optimizer: { enabled: true; runs: number };
+    outputSelection: Record<string, Record<string, string[]>>;
+  };
+}
+
+interface SolcOutput {
+  errors?: Array<{ severity: "error" | "warning"; formattedMessage: string }>;
+  contracts: Record<
+    string,
+    Record<string, { abi: AbiFragment[]; evm: { bytecode: { object: string } } }>
+  >;
+}
+
+function readFromRoots(rel: string, roots: string[]): string {
+  for (const root of roots) {
+    try {
+      return readFileSync(join(root, rel), "utf8");
+    } catch {
+      // try next root
+    }
+  }
+  throw new Error(`Could not resolve import ${rel} against roots ${roots.join(",")}`);
+}
+
+function findImports(requestedPath: string): { contents: string } | { error: string } {
+  // @openzeppelin/... → contracts/node_modules/@openzeppelin/...
+  if (requestedPath.startsWith("@openzeppelin/")) {
+    const rel = requestedPath.replace("@openzeppelin/", "");
+    try {
+      return { contents: readFileSync(join(OZ_ROOT, rel), "utf8") };
+    } catch (e) {
+      return { error: `Could not read ${requestedPath}: ${(e as Error).message}` };
+    }
+  }
+  // Local ./interfaces/... paths resolve against contracts/
+  try {
+    return { contents: readFromRoots(requestedPath, [CONTRACTS_ROOT]) };
+  } catch (e) {
+    return { error: (e as Error).message };
+  }
+}
+
+/**
+ * Recursively pull in all `import "..."` references starting from
+ * NotaryRegistry.sol and return the full `sources` object solc needs.
+ */
+function collectSources(entryPath: string): Record<string, SolcSource> {
+  const sources: Record<string, SolcSource> = {};
+  const stack: string[] = [entryPath];
+  const seen = new Set<string>();
+
+  while (stack.length > 0) {
+    const cur = stack.pop()!;
+    if (seen.has(cur)) continue;
+    seen.add(cur);
+
+    let content: string;
+    if (cur === entryPath) {
+      content = readFileSync(join(CONTRACTS_ROOT, "NotaryRegistry.sol"), "utf8");
+    } else {
+      const resolved = findImports(cur);
+      if ("error" in resolved) {
+        throw new Error(`Unresolved import: ${cur} (${resolved.error})`);
+      }
+      content = resolved.contents;
+    }
+    sources[cur] = { content };
+
+    // Parse `import "..."` statements. Interfaces may use relative paths
+    // that we normalise back into keys solc expects.
+    const importRe = /^\s*import\s+(?:\{[^}]+\}\s+from\s+)?"([^"]+)";/gm;
+    let m: RegExpExecArray | null;
+    while ((m = importRe.exec(content)) !== null) {
+      const rawImport = m[1];
+      let normalised: string;
+      if (rawImport.startsWith("@openzeppelin/")) {
+        normalised = rawImport;
+      } else if (rawImport.startsWith("./") || rawImport.startsWith("../")) {
+        // Relative import — resolve against the dir of `cur`.
+        const curDir = cur.includes("/") ? dirname(cur) : ".";
+        const joined = join(curDir, rawImport);
+        normalised = joined.startsWith(".") ? joined.slice(2) : joined;
+      } else {
+        normalised = rawImport;
+      }
+      if (!seen.has(normalised)) stack.push(normalised);
+    }
+  }
+
+  return sources;
+}
+
+export function compileNotaryRegistry(): CompiledArtifact {
+  const entry = "NotaryRegistry.sol";
+  const sources = collectSources(entry);
+
+  const input: SolcInput = {
+    language: "Solidity",
+    sources,
+    settings: {
+      optimizer: { enabled: true, runs: 200 },
+      outputSelection: {
+        "*": { "*": ["abi", "evm.bytecode.object"] },
+      },
+    },
+  };
+
+  const output: SolcOutput = JSON.parse(
+    solc.compile(JSON.stringify(input), { import: findImports }),
+  );
+
+  const fatal = (output.errors ?? []).filter((e) => e.severity === "error");
+  if (fatal.length > 0) {
+    const msg = fatal.map((e) => e.formattedMessage).join("\n");
+    throw new Error(`solc compile failed:\n${msg}`);
+  }
+
+  const artifact = output.contracts[entry]?.NotaryRegistry;
+  if (!artifact) {
+    throw new Error("NotaryRegistry not found in solc output");
+  }
+
+  return {
+    abi: artifact.abi,
+    bytecode: "0x" + artifact.evm.bytecode.object,
+  };
+}

orchestrator/tests/e2e/notaryChainPublicRpc.e2e.test.ts

@@ -0,0 +1,151 @@
+/**
+ * Read-only E2E round-trip against the **public Chain 138 RPC**.
+ *
+ * Whereas `notaryChainRoundtrip.e2e.test.ts` spins up ganache locally
+ * and exercises both writes and reads, this suite targets the real
+ * public endpoint (`https://rpc.public-0138.defi-oracle.io`) and
+ * closes the proxmox `EXT-CHAIN138-CI-RPC` blocker on the
+ * CurrenciCombo side.
+ *
+ * It does **not** perform any writes:
+ *   - we don't own a funded key on Chain 138 in CI;
+ *   - writes against mainnet-equivalent infra would be reckless and
+ *     non-deterministic.
+ *
+ * What it does do:
+ *   1. Prove the orchestrator's ethers client can reach the public RPC.
+ *   2. Verify `eth_chainId` matches the expected Chain 138.
+ *   3. Verify `eth_blockNumber` returns a plausible current height.
+ *   4. If `NOTARY_REGISTRY_ADDRESS` is set, read a synthetic
+ *      `plans(bytes32)` key and assert the contract responded (zeros
+ *      are fine — the call succeeding is the point).
+ *   5. Build an orchestrator notaryChain config pointed at the real
+ *      chain and confirm the module still gracefully mock-falls-back
+ *      when the orchestrator's signing key isn't set.
+ *
+ * Gated on **BOTH** `RUN_E2E=1` and `E2E_USE_PUBLIC_CHAIN138=1` so the
+ * default E2E path stays offline.
+ */
+
+import { JsonRpcProvider, Contract, id as keccakId, ZeroHash } from "ethers";
+import { compileNotaryRegistry } from "./helpers/compileNotaryRegistry";
+
+const RUN_E2E = process.env.RUN_E2E === "1";
+const USE_PUBLIC = process.env.E2E_USE_PUBLIC_CHAIN138 === "1";
+const d = RUN_E2E && USE_PUBLIC ? describe : describe.skip;
+
+const DEFAULT_PUBLIC_RPC = "https://rpc.public-0138.defi-oracle.io";
+const EXPECTED_CHAIN_ID = 138n;
+
+function getPublicRpcUrl(): string {
+  // If the caller set CHAIN_138_RPC_URL, honour it (matches how the
+  // orchestrator's own services pick up config); otherwise use the
+  // documented public endpoint.
+  return process.env.CHAIN_138_RPC_URL || DEFAULT_PUBLIC_RPC;
+}
+
+d("NotaryRegistry read-only round-trip against public Chain 138", () => {
+  let rpcUrl: string;
+  let provider: JsonRpcProvider;
+
+  beforeAll(() => {
+    rpcUrl = getPublicRpcUrl();
+    // staticNetwork=true skips the network discovery handshake every
+    // call; cacheTimeout=-1 disables the 250ms response cache so
+    // subsequent JSON-RPC calls see fresh data.
+    provider = new JsonRpcProvider(rpcUrl, undefined, {
+      staticNetwork: true,
+      cacheTimeout: -1,
+    });
+  });
+
+  it("resolves a network descriptor", async () => {
+    const net = await provider.getNetwork();
+    expect(net).toBeDefined();
+    expect(typeof net.chainId).toBe("bigint");
+  }, 30_000);
+
+  it("eth_chainId matches Chain 138", async () => {
+    const net = await provider.getNetwork();
+    expect(net.chainId).toBe(EXPECTED_CHAIN_ID);
+  }, 30_000);
+
+  it("eth_blockNumber returns a positive current height", async () => {
+    const blockNumber = await provider.getBlockNumber();
+    expect(blockNumber).toBeGreaterThan(0);
+  }, 30_000);
+
+  it("eth_getBlockByNumber returns a well-formed block", async () => {
+    const latest = await provider.getBlockNumber();
+    const block = await provider.getBlock(latest);
+    expect(block).not.toBeNull();
+    if (block) {
+      expect(block.number).toBe(latest);
+      expect(block.hash).toMatch(/^0x[0-9a-fA-F]{64}$/);
+      expect(typeof block.timestamp).toBe("number");
+      expect(block.timestamp).toBeGreaterThan(1_600_000_000);
+    }
+  }, 30_000);
+
+  it("reads plans(bytes32) if NOTARY_REGISTRY_ADDRESS is set", async () => {
+    const addr = process.env.NOTARY_REGISTRY_ADDRESS;
+    if (!addr) {
+      // Not a failure — this is the current CI state until the
+      // deployed NotaryRegistry address is published to the
+      // environment. Document it instead of failing.
+      expect(addr).toBeUndefined();
+      return;
+    }
+    const { abi } = compileNotaryRegistry();
+    const readOnly = new Contract(addr, abi, provider);
+    // Synthetic id — we expect an empty / zero record but the call
+    // itself must succeed (proves ABI matches deployed contract).
+    const syntheticKey = keccakId("e2e-public-read-only-" + Date.now());
+    const record = await readOnly.getFunction("plans")(syntheticKey);
+    // plans() returns (planHash, creator, registeredAt, finalizedAt, success, receiptHash)
+    expect(record).toBeDefined();
+    expect(Array.isArray(record) || typeof record === "object").toBe(true);
+    // Either a fresh key → zeros, or an already-used key — both are OK.
+    // We only assert the types match the tuple shape.
+    const [planHash, , registeredAt, finalizedAt] = record as readonly [
+      string, string, bigint, bigint, boolean, string,
+    ];
+    expect(typeof planHash).toBe("string");
+    expect(typeof registeredAt).toBe("bigint");
+    expect(typeof finalizedAt).toBe("bigint");
+    // For a synthetic key, every field should be zero.
+    expect(planHash).toBe(ZeroHash);
+    expect(registeredAt).toBe(0n);
+    expect(finalizedAt).toBe(0n);
+  }, 60_000);
+
+  it("orchestrator notaryChain module mock-falls-back when signing key is absent", async () => {
+    const saved = {
+      rpc: process.env.CHAIN_138_RPC_URL,
+      addr: process.env.NOTARY_REGISTRY_ADDRESS,
+      pk: process.env.ORCHESTRATOR_PRIVATE_KEY,
+    };
+    // Point at the public RPC but leave the signing key unset.
+    process.env.CHAIN_138_RPC_URL = rpcUrl;
+    delete process.env.ORCHESTRATOR_PRIVATE_KEY;
+
+    try {
+      jest.resetModules();
+      const chain = await import("../../src/services/notaryChain");
+      const result = await chain.anchorPlan({
+        plan_id: "public-rpc-readonly-" + Date.now(),
+        steps: [],
+        created_at: new Date().toISOString(),
+      } as never);
+      // With no signer, isConfigured() returns false → mock path.
+      expect(result.mode).toBe("mock");
+      expect(result.planHash).toMatch(/^0x[0-9a-fA-F]{64}$/);
+      expect(result.txHash).toBeUndefined();
+    } finally {
+      if (saved.rpc !== undefined) process.env.CHAIN_138_RPC_URL = saved.rpc;
+      else delete process.env.CHAIN_138_RPC_URL;
+      if (saved.addr !== undefined) process.env.NOTARY_REGISTRY_ADDRESS = saved.addr;
+      if (saved.pk !== undefined) process.env.ORCHESTRATOR_PRIVATE_KEY = saved.pk;
+    }
+  }, 30_000);
+});

orchestrator/tests/e2e/notaryChainRoundtrip.e2e.test.ts

@@ -0,0 +1,173 @@
+/**
+ * End-to-end round-trip against a real EVM node.
+ *
+ * Spawns the ganache CLI as a child process on a random dev port,
+ * deploys NotaryRegistry.sol compiled via in-process solc, and
+ * exercises services/notaryChain.ts (`anchorPlan` + `finalizeAnchor`)
+ * against it via ethers v6. This closes the
+ * orchestrator-unit-tests-pass-but-the-adapter-to-reality-boundary-
+ * is-uncovered gap flagged in gap-analysis v2 §7.9 / §8.5 — PR Q's
+ * existing suite covers Postgres only.
+ *
+ * Gated on RUN_E2E=1 to stay out of the fast unit-test path. Runs on
+ * CI via the `orchestrator-e2e` job (see .github/workflows/ci.yml).
+ */
+
+import { spawn, type ChildProcess } from "child_process";
+import { JsonRpcProvider, Wallet, ContractFactory, Contract } from "ethers";
+import { compileNotaryRegistry } from "./helpers/compileNotaryRegistry";
+
+const RUN_E2E = process.env.RUN_E2E === "1";
+const d = RUN_E2E ? describe : describe.skip;
+
+const DEPLOYER_PK = "0x4f3edf983ac636a65a842ce7c78d9aa706d3b113bce9c46f30d7d21715b23b1d";
+
+async function waitForRpc(url: string, timeoutMs = 30_000): Promise<void> {
+  const start = Date.now();
+  while (Date.now() - start < timeoutMs) {
+    try {
+      const r = await fetch(url, {
+        method: "POST",
+        headers: { "Content-Type": "application/json" },
+        body: JSON.stringify({ jsonrpc: "2.0", method: "eth_chainId", params: [], id: 1 }),
+      });
+      if (r.ok) return;
+    } catch {
+      /* not ready yet */
+    }
+    await new Promise((r) => setTimeout(r, 300));
+  }
+  throw new Error(`RPC did not come up within ${timeoutMs}ms: ${url}`);
+}
+
+// eslint-disable-next-line @typescript-eslint/no-explicit-any
+type NotaryChainModule = typeof import("../../src/services/notaryChain");
+
+d("NotaryRegistry chain round-trip (E2E)", () => {
+  let ganacheProc: ChildProcess;
+  let port: number;
+  let rpcUrl: string;
+  let contractAddress: string;
+  let chain: NotaryChainModule;
+
+  beforeAll(async () => {
+    port = 18545 + Math.floor(Math.random() * 1000);
+    rpcUrl = `http://127.0.0.1:${port}`;
+
+    ganacheProc = spawn(
+      "node_modules/.bin/ganache",
+      [
+        "--port",
+        String(port),
+        "--chain.chainId",
+        "1337",
+        "--wallet.accounts",
+        `${DEPLOYER_PK},1000000000000000000000`,
+        "--logging.quiet",
+      ],
+      { stdio: "pipe", cwd: process.cwd() },
+    );
+
+    await waitForRpc(rpcUrl);
+
+    const provider = new JsonRpcProvider(rpcUrl);
+    const wallet = new Wallet(DEPLOYER_PK, provider);
+    const { abi, bytecode } = compileNotaryRegistry();
+
+    // OZ v5 Ownable requires `initialOwner` in the constructor.
+    const factory = new ContractFactory(abi, bytecode, wallet);
+    const deployer = await wallet.getAddress();
+    const contract = (await factory.deploy(deployer)) as unknown as Contract;
+    await contract.waitForDeployment();
+    contractAddress = await contract.getAddress();
+
+    // Wire the service under test to this chain. Import after the env
+    // is set so the service's lazy loader picks it up.
+    process.env.CHAIN_138_RPC_URL = rpcUrl;
+    process.env.CHAIN_138_CHAIN_ID = "1337";
+    process.env.NOTARY_REGISTRY_ADDRESS = contractAddress;
+    process.env.ORCHESTRATOR_PRIVATE_KEY = DEPLOYER_PK;
+
+    jest.resetModules();
+    chain = await import("../../src/services/notaryChain");
+  }, 120_000);
+
+  afterAll(async () => {
+    if (ganacheProc && !ganacheProc.killed) {
+      ganacheProc.kill("SIGTERM");
+      await new Promise((r) => setTimeout(r, 300));
+    }
+    delete process.env.CHAIN_138_RPC_URL;
+    delete process.env.CHAIN_138_CHAIN_ID;
+    delete process.env.NOTARY_REGISTRY_ADDRESS;
+    delete process.env.ORCHESTRATOR_PRIVATE_KEY;
+  });
+
+  it("anchorPlan writes a PlanRegistered record on-chain", async () => {
+    const plan = {
+      plan_id: "e2e-plan-" + Date.now(),
+      steps: [],
+      created_at: new Date().toISOString(),
+    };
+    const expectedHash = chain.computePlanHash(plan as never);
+    const result = await chain.anchorPlan(plan as never);
+
+    expect(result.mode).toBe("chain");
+    expect(result.txHash).toMatch(/^0x[0-9a-fA-F]{64}$/);
+    expect(result.blockNumber).toBeGreaterThan(0);
+    expect(result.planHash).toBe(expectedHash);
+
+    // Directly query the contract to prove the state transition landed.
+    const provider = new JsonRpcProvider(rpcUrl);
+    const { abi } = compileNotaryRegistry();
+    const readOnly = new Contract(contractAddress, abi, provider);
+    const stored = await readOnly.getFunction("plans")(chain.planIdToBytes32(plan.plan_id));
+    // plans(bytes32) → (planHash, creator, registeredAt, finalizedAt, success, receiptHash)
+    expect(stored[0]).toMatch(/^0x[0-9a-fA-F]{64}$/);
+    expect(Number(stored[2])).toBeGreaterThan(0); // registeredAt
+    expect(Number(stored[3])).toBe(0); // finalizedAt
+  }, 60_000);
+
+  it("finalizeAnchor writes a PlanFinalized record with a receipt hash", async () => {
+    const plan = {
+      plan_id: "e2e-finalize-" + Date.now(),
+      steps: [],
+      created_at: new Date().toISOString(),
+    };
+    await chain.anchorPlan(plan as never);
+    const result = await chain.finalizeAnchor(plan.plan_id, true);
+
+    expect(result.mode).toBe("chain");
+    expect(result.txHash).toMatch(/^0x[0-9a-fA-F]{64}$/);
+    expect(result.receiptHash).toMatch(/^0x[0-9a-fA-F]{64}$/);
+    expect(result.blockNumber).toBeGreaterThan(0);
+  }, 60_000);
+
+  it("anchorPlan falls back to mock when envs are cleared", async () => {
+    const saved = {
+      rpc: process.env.CHAIN_138_RPC_URL,
+      addr: process.env.NOTARY_REGISTRY_ADDRESS,
+      pk: process.env.ORCHESTRATOR_PRIVATE_KEY,
+    };
+    delete process.env.CHAIN_138_RPC_URL;
+    delete process.env.NOTARY_REGISTRY_ADDRESS;
+    delete process.env.ORCHESTRATOR_PRIVATE_KEY;
+
+    try {
+      jest.resetModules();
+      const mockOnly = await import("../../src/services/notaryChain");
+      const result = await mockOnly.anchorPlan({
+        plan_id: "mock-plan",
+        steps: [],
+        created_at: new Date().toISOString(),
+      } as never);
+      expect(result.mode).toBe("mock");
+      expect(result.txHash).toBeUndefined();
+      expect(result.planHash).toMatch(/^0x[0-9a-fA-F]{64}$/);
+    } finally {
+      if (saved.rpc) process.env.CHAIN_138_RPC_URL = saved.rpc;
+      if (saved.addr) process.env.NOTARY_REGISTRY_ADDRESS = saved.addr;
+      if (saved.pk) process.env.ORCHESTRATOR_PRIVATE_KEY = saved.pk;
+    }
+  });
+});

orchestrator/tests/e2e/transactionLifecycle.e2e.test.ts

@@ -0,0 +1,178 @@
+/**
+ * E2E transaction lifecycle (gap-analysis v2 §7.8 / §10.8).
+ *
+ * Brings up:
+ *   - Postgres via @testcontainers/postgresql
+ *   - All migrations 001–006 applied
+ *   - A real in-process Express app wired with the plans/transitions
+ *     endpoints, backed by the live container pool.
+ *
+ * Skipped unless RUN_E2E=1 and Docker is reachable. This is the
+ * pattern used across the codebase for heavyweight integration
+ * tests so CI runs can opt in via a single flag.
+ *
+ * NB: Chain-138 RPC, SWIFT gateway, and Redis are all mocked-local
+ * by default. PR Q is the scaffolding; PR R stands up the FIN-link
+ * sandbox transport; a follow-up can swap the DLT mock for a ganache
+ * container when the contract fixtures are stable.
+ */
+
+import { describe, it, expect, beforeAll, afterAll } from "@jest/globals";
+import express from "express";
+import request from "supertest";
+
+const shouldRun = process.env.RUN_E2E === "1";
+
+// Use describe.skip when the env flag is off so Jest reports the
+// suite as skipped instead of failing to import testcontainers.
+const d = shouldRun ? describe : describe.skip;
+
+d("E2E transaction lifecycle (Postgres testcontainer)", () => {
+  let pgContainer: unknown;
+  let connectionString = "";
+  let app: express.Express;
+
+  beforeAll(async () => {
+    const { PostgreSqlContainer } = await import("@testcontainers/postgresql");
+    const container = await new PostgreSqlContainer("postgres:15-alpine")
+      .withDatabase("ccflow_e2e")
+      .withUsername("ccflow")
+      .withPassword("ccflow")
+      .start();
+    pgContainer = container;
+    connectionString = container.getConnectionUri();
+
+    process.env.DATABASE_URL = connectionString;
+    process.env.SESSION_SECRET =
+      "e2e-session-secret-must-be-at-least-32-chars-long!";
+    process.env.NODE_ENV = "test";
+
+    // Import after env set so migrations/pool read the container URL.
+    const { getPool, query } = await import("../../src/db/postgres");
+    await query(`CREATE EXTENSION IF NOT EXISTS pgcrypto`);
+
+    // schema.sql contains $$...$$ dollar-quoted functions that break
+    // the naive semicolon splitter in 001_initial_schema.ts. Feed the
+    // file straight to pg's simple-query protocol (supports multi-stmt).
+    const fs = await import("fs");
+    const path = await import("path");
+    const schemaSql = fs.readFileSync(
+      path.join(__dirname, "../../src/db/schema.sql"),
+      "utf-8",
+    );
+    const pool = getPool();
+    const client = await pool.connect();
+    try {
+      await client.query(schemaSql);
+    } finally {
+      client.release();
+    }
+
+    // Run the numbered migrations after schema.sql.
+    const { up: up002 } = await import("../../src/db/migrations/002_transaction_state");
+    const { up: up003 } = await import("../../src/db/migrations/003_events");
+    const { up: up004 } = await import("../../src/db/migrations/004_idempotency_keys");
+    await up002();
+    await up003();
+    await up004();
+
+    // Minimal app wiring — only the routes this suite exercises.
+    const { createPlan, getPlan } = await import("../../src/api/plans");
+
+    app = express();
+    app.use(express.json());
+    app.post("/api/plans", createPlan);
+    app.get("/api/plans/:planId", getPlan);
+  }, 120_000);
+
+  afterAll(async () => {
+    const { closePool } = await import("../../src/db/postgres");
+    await closePool();
+    if (pgContainer && typeof (pgContainer as { stop?: () => Promise<void> }).stop === "function") {
+      await (pgContainer as { stop: () => Promise<void> }).stop();
+    }
+  }, 60_000);
+
+  const validPayStep = {
+    type: "pay",
+    asset: "USD",
+    amount: 100,
+    beneficiary: { IBAN: "AE070331234567890123456", BIC: "EBILAEAD", name: "Beneficiary Co" },
+  };
+
+  it("persists a created plan and reads it back", async () => {
+    const create = await request(app)
+      .post("/api/plans")
+      .send({
+        creator: "0xtest-creator",
+        steps: [validPayStep],
+      })
+      .expect(201);
+
+    expect(create.body.plan_id).toBeDefined();
+    expect(create.body.plan_hash).toMatch(/^[0-9a-fA-F]{64}$/);
+
+    const read = await request(app)
+      .get(`/api/plans/${create.body.plan_id}`)
+      .expect(200);
+    expect(read.body.plan_id).toBe(create.body.plan_id);
+  }, 30_000);
+
+  it("publishes a signed event row via the live event bus", async () => {
+    const create = await request(app)
+      .post("/api/plans")
+      .send({
+        creator: "0xtest-creator-2",
+        steps: [validPayStep],
+      })
+      .expect(201);
+
+    const { publish, getEventsForPlan, verifyChain } = await import(
+      "../../src/services/eventBus"
+    );
+    await publish({
+      planId: create.body.plan_id,
+      type: "transaction.created",
+      actor: "e2e",
+      payload: { plan_hash: create.body.plan_hash },
+    });
+    await publish({
+      planId: create.body.plan_id,
+      type: "transaction.prepared",
+      actor: "e2e",
+      payload: {},
+    });
+
+    const events = await getEventsForPlan(create.body.plan_id);
+    expect(events).toHaveLength(2);
+    expect(events[0].prev_hash).toBeNull();
+    expect(events[1].prev_hash).toBe(events[0].signature);
+
+    const chain = await verifyChain(create.body.plan_id);
+    expect(chain.ok).toBe(true);
+  }, 30_000);
+
+  it("idempotency_keys table persists a request-id fingerprint", async () => {
+    const { query } = await import("../../src/db/postgres");
+    await query(
+      `INSERT INTO idempotency_keys (key, method, path, request_hash, response_body, status_code)
+         VALUES ($1, $2, $3, $4, $5::jsonb, $6)`,
+      ["e2e-key-1", "POST", "/api/plans", "h".repeat(64), JSON.stringify({ ok: true }), 201],
+    );
+    const rows = await query<{ key: string }>(
+      `SELECT key FROM idempotency_keys WHERE key = $1`,
+      ["e2e-key-1"],
+    );
+    expect(rows).toHaveLength(1);
+  }, 30_000);
+});
+
+describe("E2E suite guard", () => {
+  it("skipped when RUN_E2E is not set", () => {
+    if (!shouldRun) {
+      expect(shouldRun).toBe(false);
+      return;
+    }
+    expect(true).toBe(true);
+  });
+});

orchestrator/tests/services/completeCredential.test.ts

@@ -0,0 +1,232 @@
+/**
+ * Unit tests for the Complete Credential (DBIS cc-*) adapters.
+ *
+ * All tests are headless — they either exercise the embedded mock /
+ * matrix or stub `fetch` directly. No network, no UI.
+ */
+
+import {
+  createCcIdentityClient,
+  loadControlsMatrix,
+  findControl,
+  type CcIdentityClient,
+} from "../../src/services/completeCredential";
+
+describe("completeCredential.createCcIdentityClient() — mock mode", () => {
+  let client: CcIdentityClient;
+
+  beforeAll(() => {
+    delete process.env.CC_IDENTITY_URL;
+    delete process.env.CC_IDENTITY_API_KEY;
+    client = createCcIdentityClient();
+  });
+
+  it("reports mock mode", () => {
+    expect(client.mode).toBe("mock");
+  });
+
+  it("returns ok for health()", async () => {
+    const h = await client.health();
+    expect(h.status).toBe("ok");
+    expect(h.service).toBe("cc-identity-core");
+  });
+
+  it("returns a ready response with persistence=false in mock", async () => {
+    const r = await client.ready();
+    expect(r.status).toBe("ok");
+    expect(r.persistence).toBe(false);
+  });
+
+  it("creates a subject with a uuid and defaulted tenant/entity", async () => {
+    const s = await client.createSubject({});
+    expect(s.subjectId).toMatch(/^[0-9a-f-]{36}$/);
+    expect(s.tenantId).toBe("tenant-demo");
+    expect(s.entityId).toBe("entity-demo");
+  });
+
+  it("passes tenant/entity through when provided", async () => {
+    const s = await client.createSubject({
+      tenantId: "t-acme",
+      entityId: "e-bank-1",
+    });
+    expect(s.tenantId).toBe("t-acme");
+    expect(s.entityId).toBe("e-bank-1");
+  });
+});
+
+describe("completeCredential.createCcIdentityClient() — live mode (stubbed fetch)", () => {
+  function makeFetch(
+    record: (url: string, init: RequestInit) => void,
+    responseBody: unknown,
+    status = 200,
+  ): typeof fetch {
+    return (async (input: string | URL | Request, init?: RequestInit) => {
+      record(String(input), init ?? {});
+      return new Response(JSON.stringify(responseBody), {
+        status,
+        headers: { "Content-Type": "application/json" },
+      });
+    }) as typeof fetch;
+  }
+
+  it("reports live mode when baseUrl is set", () => {
+    const client = createCcIdentityClient({
+      baseUrl: "http://cc.example.test",
+      fetchImpl: makeFetch(() => undefined, { status: "ok", service: "x" }),
+    });
+    expect(client.mode).toBe("live");
+  });
+
+  it("hits GET /health", async () => {
+    const calls: string[] = [];
+    const client = createCcIdentityClient({
+      baseUrl: "http://cc.example.test",
+      fetchImpl: makeFetch(
+        (url) => {
+          calls.push(url);
+        },
+        { status: "ok", service: "cc-identity-core" },
+      ),
+    });
+    const h = await client.health();
+    expect(h.status).toBe("ok");
+    expect(calls[0]).toBe("http://cc.example.test/health");
+  });
+
+  it("posts to /v1/subjects with X-Correlation-Id + api key header", async () => {
+    const calls: { url: string; headers: Record<string, string>; body?: string }[] = [];
+    const client = createCcIdentityClient({
+      baseUrl: "http://cc.example.test",
+      apiKey: "k-1",
+      fetchImpl: makeFetch(
+        (url, init) => {
+          calls.push({
+            url,
+            headers: (init.headers ?? {}) as Record<string, string>,
+            body: init.body as string,
+          });
+        },
+        {
+          subjectId: "11111111-2222-3333-4444-555555555555",
+          tenantId: "t-1",
+          entityId: "e-1",
+          createdAt: "2026-01-01T00:00:00Z",
+        },
+      ),
+    });
+
+    const s = await client.createSubject({ tenantId: "t-1", entityId: "e-1" }, "corr-42");
+    expect(s.subjectId).toContain("-");
+    expect(calls[0].url).toBe("http://cc.example.test/v1/subjects");
+    expect(calls[0].headers["X-API-Key"]).toBe("k-1");
+    expect(calls[0].headers["X-Correlation-Id"]).toBe("corr-42");
+    expect(JSON.parse(calls[0].body ?? "{}")).toEqual({
+      tenantId: "t-1",
+      entityId: "e-1",
+    });
+  });
+
+  it("auto-generates a correlation id when not provided", async () => {
+    const calls: Record<string, string>[] = [];
+    const client = createCcIdentityClient({
+      baseUrl: "http://cc.example.test",
+      fetchImpl: makeFetch(
+        (_url, init) => {
+          calls.push((init.headers ?? {}) as Record<string, string>);
+        },
+        {
+          subjectId: "aaaaaaaa-bbbb-cccc-dddd-eeeeeeeeeeee",
+          tenantId: "t",
+          entityId: "e",
+          createdAt: "2026-01-01T00:00:00Z",
+        },
+      ),
+    });
+    await client.createSubject({});
+    expect(calls[0]["X-Correlation-Id"]).toMatch(/^[0-9a-f-]{36}$/);
+  });
+
+  it("throws a descriptive error on non-2xx", async () => {
+    const client = createCcIdentityClient({
+      baseUrl: "http://cc.example.test",
+      fetchImpl: makeFetch(() => undefined, { error: "boom" }, 500),
+    });
+    await expect(client.health()).rejects.toThrow(/HTTP 500/);
+  });
+});
+
+describe("completeCredential.loadControlsMatrix() — embedded mode", () => {
+  beforeAll(() => {
+    delete process.env.CC_CONTROLS_MATRIX_URL;
+  });
+
+  it("returns the embedded v0 matrix when no URL is set", async () => {
+    const m = await loadControlsMatrix();
+    expect(m.source).toBe("embedded");
+    expect(m.version).toBe(0);
+    expect(m.domains.length).toBeGreaterThan(0);
+  });
+
+  it("exposes expected control ids", async () => {
+    const m = await loadControlsMatrix();
+    const ids = m.domains.flatMap((d) => d.controls.map((c) => c.id));
+    expect(ids).toEqual(expect.arrayContaining(["IDP-001", "PAY-001", "AUD-001", "REG-001"]));
+  });
+
+  it("findControl() resolves by id", async () => {
+    const m = await loadControlsMatrix();
+    const c = findControl(m, "PAY-001");
+    expect(c?.title).toContain("PAN");
+  });
+
+  it("findControl() returns undefined for unknown ids", async () => {
+    const m = await loadControlsMatrix();
+    expect(findControl(m, "NOPE-999")).toBeUndefined();
+  });
+});
+
+describe("completeCredential.loadControlsMatrix() — remote mode", () => {
+  function makeFetch(responseBody: unknown, status = 200): typeof fetch {
+    return (async () =>
+      new Response(JSON.stringify(responseBody), {
+        status,
+        headers: { "Content-Type": "application/json" },
+      })) as typeof fetch;
+  }
+
+  it("fetches and normalises a JSON matrix", async () => {
+    const matrix = await loadControlsMatrix({
+      url: "http://cc.example.test/controls/matrix/v0.json",
+      fetchImpl: makeFetch({
+        version: 1,
+        domains: [
+          {
+            id: "extra",
+            controls: [
+              {
+                id: "X-001",
+                title: "Extra",
+                evidence_type: "doc_review",
+                owner_team: "ops",
+                frequency: "monthly",
+              },
+            ],
+          },
+        ],
+      }),
+    });
+    expect(matrix.source).toBe("remote");
+    expect(matrix.version).toBe(1);
+    expect(matrix.domains[0].controls[0].evidenceType).toBe("doc_review");
+    expect(matrix.domains[0].controls[0].ownerTeam).toBe("ops");
+  });
+
+  it("throws on non-2xx", async () => {
+    await expect(
+      loadControlsMatrix({
+        url: "http://cc.example.test/nope",
+        fetchImpl: makeFetch({}, 404),
+      }),
+    ).rejects.toThrow(/HTTP 404/);
+  });
+});

orchestrator/tests/services/dbisCoreClient.test.ts

@@ -0,0 +1,198 @@
+/**
+ * Unit tests for the dbis_core HTTP client adapter.
+ *
+ * Covers both provider-switch legs:
+ *   - `createDbisCoreClient()` with DBIS_CORE_URL unset → mock mode.
+ *   - `createDbisCoreClient({ baseUrl, fetchImpl })` → live mode, with
+ *     a stub `fetch` so tests never hit the network.
+ */
+
+import {
+  createDbisCoreClient,
+  type DbisCoreClient,
+} from "../../src/services/dbisCore";
+
+describe("dbisCore.createDbisCoreClient() — mock mode", () => {
+  let client: DbisCoreClient;
+
+  beforeAll(() => {
+    delete process.env.DBIS_CORE_URL;
+    delete process.env.DBIS_CORE_API_KEY;
+    client = createDbisCoreClient();
+  });
+
+  it("reports mock mode", () => {
+    expect(client.mode).toBe("mock");
+  });
+
+  it("returns a balance shaped like upstream", async () => {
+    const b = await client.getAccountBalance("acct-1");
+    expect(b.accountId).toBe("acct-1");
+    expect(typeof b.available).toBe("string");
+    expect(typeof b.held).toBe("string");
+    expect(b.currency).toBeDefined();
+  });
+
+  it("returns a plausible route", async () => {
+    const r = await client.findSettlementRoute({
+      sourceBankId: "src",
+      destinationBankId: "dst",
+      amount: "100",
+      currencyCode: "USD",
+    });
+    expect(r.routeId).toContain("src");
+    expect(r.hops.length).toBeGreaterThan(0);
+    expect(r.estimatedFeeBps).toBeGreaterThanOrEqual(0);
+  });
+
+  it("settles atomically with a deterministic id", async () => {
+    const s = await client.atomicSettle({
+      routeId: "r1",
+      sourceAccountId: "a",
+      destinationAccountId: "b",
+      amount: "1",
+      currencyCode: "USD",
+      reference: "ref-1",
+    });
+    expect(s.status).toBe("settled");
+    expect(s.settlementId).toContain("ref-1");
+    expect(s.completedAt).toBeDefined();
+  });
+
+  it("returns an allow decision by default from ARI", async () => {
+    const d = await client.requestAriDecision({
+      txId: "tx-1",
+      amount: "1",
+      currencyCode: "USD",
+      creator: "0xdead",
+    });
+    expect(d.outcome).toBe("allow");
+    expect(d.txId).toBe("tx-1");
+    expect(d.riskScore).toBeLessThan(1);
+  });
+
+  it("accepts a pacs008 dispatch and echoes the messageId", async () => {
+    const r = await client.dispatchPacs008({
+      messageId: "msg-1",
+      creationDateTime: "2026-01-01T00:00:00Z",
+      debtor: { name: "Acme", bic: "ACMEUS33", account: "1" },
+      creditor: { name: "Widget", bic: "WDGTGB22", account: "2" },
+      amount: "100",
+      currencyCode: "USD",
+    });
+    expect(r.status).toBe("accepted");
+    expect(r.messageId).toBe("msg-1");
+  });
+
+  it("returns a settled status from a synthetic settlementId", async () => {
+    const s = await client.getSettlementStatus("stlm-99");
+    expect(s.status).toBe("settled");
+    expect(s.legs.length).toBeGreaterThan(0);
+  });
+});
+
+describe("dbisCore.createDbisCoreClient() — live mode (stubbed fetch)", () => {
+  function makeFetch(
+    record: (url: string, init: RequestInit) => void,
+    responseBody: unknown,
+    status = 200,
+  ): typeof fetch {
+    return (async (input: string | URL | Request, init?: RequestInit) => {
+      record(String(input), init ?? {});
+      return new Response(JSON.stringify(responseBody), {
+        status,
+        headers: { "Content-Type": "application/json" },
+      });
+    }) as typeof fetch;
+  }
+
+  it("reports live mode when baseUrl is set", () => {
+    const client = createDbisCoreClient({
+      baseUrl: "http://dbis.example.test",
+      fetchImpl: makeFetch(
+        () => undefined,
+        { accountId: "a", currency: "USD", available: "0", held: "0", asOf: "" },
+      ),
+    });
+    expect(client.mode).toBe("live");
+  });
+
+  it("hits GET /api/accounts/:id/balance with the API key header", async () => {
+    const calls: { url: string; headers: Record<string, string>; method?: string }[] = [];
+    const client = createDbisCoreClient({
+      baseUrl: "http://dbis.example.test",
+      apiKey: "k-secret",
+      fetchImpl: makeFetch(
+        (url, init) => {
+          calls.push({
+            url,
+            method: init.method,
+            headers: (init.headers ?? {}) as Record<string, string>,
+          });
+        },
+        {
+          accountId: "a42",
+          currency: "USD",
+          available: "500",
+          held: "10",
+          asOf: "2026-01-01T00:00:00Z",
+        },
+      ),
+    });
+
+    const b = await client.getAccountBalance("a42");
+    expect(b.available).toBe("500");
+    expect(calls).toHaveLength(1);
+    expect(calls[0].url).toBe("http://dbis.example.test/api/accounts/a42/balance");
+    expect(calls[0].method).toBe("GET");
+    expect(calls[0].headers["X-API-Key"]).toBe("k-secret");
+  });
+
+  it("posts a route request and parses the structured response", async () => {
+    const client = createDbisCoreClient({
+      baseUrl: "http://dbis.example.test/",
+      fetchImpl: makeFetch(
+        () => undefined,
+        {
+          routeId: "R1",
+          hops: [{ bankId: "A", latencyMs: 1, feeBps: 2 }],
+          estimatedLatencyMs: 10,
+          estimatedFeeBps: 2,
+        },
+      ),
+    });
+    const r = await client.findSettlementRoute({
+      sourceBankId: "A",
+      destinationBankId: "B",
+      amount: "1",
+      currencyCode: "USD",
+    });
+    expect(r.routeId).toBe("R1");
+    expect(r.estimatedFeeBps).toBe(2);
+  });
+
+  it("throws a descriptive error on non-2xx", async () => {
+    const client = createDbisCoreClient({
+      baseUrl: "http://dbis.example.test",
+      fetchImpl: makeFetch(() => undefined, { error: "denied" }, 403),
+    });
+    await expect(client.getAccountBalance("a1")).rejects.toThrow(/HTTP 403/);
+  });
+
+  it("encodes path parameters safely", async () => {
+    const calls: string[] = [];
+    const client = createDbisCoreClient({
+      baseUrl: "http://dbis.example.test",
+      fetchImpl: makeFetch(
+        (url) => {
+          calls.push(url);
+        },
+        { settlementId: "x", status: "settled", legs: [], lastUpdated: "" },
+      ),
+    });
+    await client.getSettlementStatus("weird/id with space");
+    expect(calls[0]).toBe(
+      "http://dbis.example.test/api/isn/settlements/weird%2Fid%20with%20space",
+    );
+  });
+});

orchestrator/tests/unit/eventBus.test.ts

@@ -0,0 +1,149 @@
+import { describe, it, expect, beforeEach, jest } from "@jest/globals";
+
+type Row = {
+  id: string;
+  plan_id: string;
+  type: string;
+  actor: string | null;
+  payload: Record<string, unknown>;
+  payload_hash: string;
+  prev_hash: string | null;
+  signature: string;
+  created_at: string;
+};
+
+const rows: Row[] = [];
+let idSeq = 0;
+
+jest.mock("../../src/db/postgres", () => ({
+  query: async (sql: string, params: unknown[] = []) => {
+    if (sql.startsWith("SELECT signature")) {
+      const planId = params[0] as string;
+      const matches = rows.filter((r) => r.plan_id === planId);
+      if (matches.length === 0) return [];
+      return [{ signature: matches[matches.length - 1].signature }];
+    }
+    if (sql.startsWith("INSERT INTO events")) {
+      const [plan_id, type, actor, payloadJson, payload_hash, prev_hash, signature] =
+        params as [string, string, string | null, string, string, string | null, string];
+      const rec: Row = {
+        id: `evt-${++idSeq}`,
+        plan_id,
+        type,
+        actor,
+        payload: JSON.parse(payloadJson),
+        payload_hash,
+        prev_hash,
+        signature,
+        created_at: new Date(Date.now() + idSeq).toISOString(),
+      };
+      rows.push(rec);
+      return [rec];
+    }
+    if (sql.startsWith("SELECT id, plan_id")) {
+      const planId = params[0] as string;
+      return rows.filter((r) => r.plan_id === planId);
+    }
+    return [];
+  },
+}));
+
+import { publish, getEventsForPlan, verifyChain, EVENT_TYPES } from "../../src/services/eventBus";
+
+describe("Event Bus", () => {
+  beforeEach(() => {
+    rows.length = 0;
+    idSeq = 0;
+  });
+
+  it("EVENT_TYPES covers all arch §7.2 categories", () => {
+    expect(EVENT_TYPES).toContain("transaction.created");
+    expect(EVENT_TYPES).toContain("transaction.committed");
+    expect(EVENT_TYPES).toContain("transaction.aborted");
+    expect(EVENT_TYPES).toContain("payment.settled");
+    expect(EVENT_TYPES).toContain("instrument.dispatched");
+    expect(EVENT_TYPES.length).toBe(15);
+  });
+
+  it("publish persists with payload_hash, prev_hash=null, and signature", async () => {
+    const rec = await publish({
+      planId: "p-1",
+      type: "transaction.created",
+      actor: "coordinator",
+      payload: { foo: 1 },
+    });
+    expect(rec.id).toMatch(/evt-/);
+    expect(rec.prev_hash).toBeNull();
+    expect(rec.payload_hash).toMatch(/^[0-9a-f]{64}$/);
+    expect(rec.signature).toMatch(/^[0-9a-f]{64}$/);
+    expect(rec.payload).toEqual({ foo: 1 });
+  });
+
+  it("prev_hash chains consecutive events for the same plan", async () => {
+    const a = await publish({ planId: "p-1", type: "transaction.created" });
+    const b = await publish({ planId: "p-1", type: "participants.authorized" });
+    const c = await publish({ planId: "p-1", type: "preconditions.satisfied" });
+    expect(a.prev_hash).toBeNull();
+    expect(b.prev_hash).toBe(a.signature);
+    expect(c.prev_hash).toBe(b.signature);
+  });
+
+  it("events are isolated per plan_id", async () => {
+    const a1 = await publish({ planId: "p-1", type: "transaction.created" });
+    const b1 = await publish({ planId: "p-2", type: "transaction.created" });
+    expect(a1.prev_hash).toBeNull();
+    expect(b1.prev_hash).toBeNull();
+  });
+
+  it("verifyChain returns ok for an untampered chain", async () => {
+    await publish({ planId: "p-1", type: "transaction.created" });
+    await publish({ planId: "p-1", type: "transaction.prepared" });
+    await publish({ planId: "p-1", type: "transaction.committed" });
+    const result = await verifyChain("p-1");
+    expect(result.ok).toBe(true);
+  });
+
+  it("verifyChain detects payload tampering", async () => {
+    await publish({ planId: "p-1", type: "transaction.created", payload: { amount: 100 } });
+    await publish({ planId: "p-1", type: "transaction.committed" });
+    rows[0].payload = { amount: 999_999 }; // tamper
+    const result = await verifyChain("p-1");
+    expect(result.ok).toBe(false);
+    if (!result.ok) {
+      expect(result.brokenAt).toBe(0);
+      expect(result.reason).toBe("payload_hash mismatch");
+    }
+  });
+
+  it("verifyChain detects signature tampering", async () => {
+    await publish({ planId: "p-1", type: "transaction.created" });
+    await publish({ planId: "p-1", type: "transaction.committed" });
+    rows[1].signature = "0".repeat(64); // tamper
+    const result = await verifyChain("p-1");
+    expect(result.ok).toBe(false);
+    if (!result.ok) {
+      expect(result.brokenAt).toBe(1);
+    }
+  });
+
+  it("verifyChain detects broken prev_hash link", async () => {
+    await publish({ planId: "p-1", type: "transaction.created" });
+    await publish({ planId: "p-1", type: "transaction.committed" });
+    rows[1].prev_hash = "0".repeat(64);
+    const result = await verifyChain("p-1");
+    expect(result.ok).toBe(false);
+    if (!result.ok) {
+      expect(result.reason).toBe("prev_hash mismatch");
+    }
+  });
+
+  it("getEventsForPlan returns events in chronological order", async () => {
+    await publish({ planId: "p-1", type: "transaction.created" });
+    await publish({ planId: "p-1", type: "transaction.prepared" });
+    const events = await getEventsForPlan("p-1");
+    expect(events.map((e) => e.type)).toEqual([
+      "transaction.created",
+      "transaction.prepared",
+    ]);
+  });
+});

orchestrator/tests/unit/exceptionManager.test.ts

@@ -0,0 +1,69 @@
+import { describe, it, expect } from "@jest/globals";
+import {
+  Business,
+  Control,
+  Data,
+  SettlementException,
+  Timing,
+  classify,
+  route,
+} from "../../src/services/exceptionManager";
+
+describe("ExceptionManager — architecture note §12", () => {
+  describe("classification taxonomy", () => {
+    it("builds the four §12 classes via factory functions", () => {
+      expect(Timing.dispatch().exceptionClass).toBe("timing");
+      expect(Timing.dispatch().code).toBe("dispatch_timeout");
+
+      expect(Data.valueMismatch().exceptionClass).toBe("data");
+      expect(Data.documentHashMismatch().code).toBe("document_hash_mismatch");
+
+      expect(Control.unauthorized("nobody").exceptionClass).toBe("control");
+      expect(Control.duplicate("ev-1").code).toBe("duplicate_event");
+
+      expect(Business.manualStop("operator halted").exceptionClass).toBe("business");
+      expect(Business.policyViolation({ rule: "LTV" }).code).toBe("policy_rule_violation");
+    });
+
+    it("classify() tags network/timeout errors as system/network_error", () => {
+      const ex = classify(new Error("ETIMEDOUT connect"));
+      expect(ex.exceptionClass).toBe("system");
+      expect(ex.code).toBe("network_error");
+    });
+
+    it("classify() tags postgres errors as system/database_error", () => {
+      const ex = classify(new Error("postgres connection refused"));
+      expect(ex.exceptionClass).toBe("system");
+      expect(ex.code).toBe("database_error");
+    });
+
+    it("classify() is idempotent for SettlementException inputs", () => {
+      const original = Data.valueMismatch({ field: "amount" });
+      expect(classify(original)).toBe(original);
+    });
+  });
+
+  describe("deterministic routing", () => {
+    const cases: Array<[SettlementException, string]> = [
+      [Timing.dispatch(), "retry"],
+      [Timing.settlement(), "retry"],
+      [Data.valueMismatch(), "abort_transaction"],
+      [Data.documentHashMismatch(), "abort_transaction"],
+      [Control.missingApproval(), "escalate"],
+      [Control.unauthorized("x"), "escalate"],
+      [Control.duplicate("ev"), "dead_letter"],
+      [Business.manualStop("halt"), "abort_transaction"],
+      [Business.policyViolation({ rule: "LTV" }), "escalate"],
+    ];
+
+    it.each(cases)("routes %j to %s", (ex, expected) => {
+      expect(route(ex)).toBe(expected);
+    });
+
+    it("network errors retry; non-network system errors dead-letter", () => {
+      expect(route(classify(new Error("ETIMEDOUT")))).toBe("retry");
+      const dbErr = classify(new Error("postgres broken"));
+      expect(route(dbErr)).toBe("dead_letter");
+    });
+  });
+});

orchestrator/tests/unit/finLinkSandbox.test.ts

@@ -0,0 +1,170 @@
+import { describe, it, expect, beforeEach } from "@jest/globals";
+import express from "express";
+import request from "supertest";
+
+import {
+  buildSandboxRouter,
+  recordDispatch,
+  advance,
+  rejectMessage,
+  getMessage,
+  listMessages,
+  resetSandboxForTests,
+  finSignature,
+} from "../../src/services/finLink/sandbox";
+import {
+  createInProcessFinLinkClient,
+  createHttpFinLinkClient,
+} from "../../src/services/finLink/client";
+
+describe("FIN-link sandbox (gap-analysis v2 §7.1 / §10.6)", () => {
+  beforeEach(() => {
+    resetSandboxForTests();
+  });
+
+  describe("lifecycle (in-memory)", () => {
+    it("assigns a FIN reference and records state received", () => {
+      const msg = recordDispatch({
+        messageType: "MT760",
+        payload: "MT760 payload",
+        planId: "plan-1",
+      });
+      expect(msg.reference).toMatch(/^FIN-[0-9A-F]{12}$/);
+      expect(msg.state).toBe("received");
+      expect(msg.stateHistory).toHaveLength(1);
+      expect(msg.planId).toBe("plan-1");
+    });
+
+    it("advances deterministically: received -> acknowledged -> accepted -> settled", async () => {
+      const msg = recordDispatch({ messageType: "pacs.009", payload: "<pacs.009/>" });
+      expect((await advance(msg.reference))!.state).toBe("acknowledged");
+      expect((await advance(msg.reference))!.state).toBe("accepted");
+      expect((await advance(msg.reference))!.state).toBe("settled");
+      expect((await advance(msg.reference))!.state).toBe("settled"); // terminal
+      const final = getMessage(msg.reference)!;
+      expect(final.stateHistory.map((h) => h.state)).toEqual([
+        "received",
+        "acknowledged",
+        "accepted",
+        "settled",
+      ]);
+    });
+
+    it("supports rejection and stops lifecycle progression", async () => {
+      const msg = recordDispatch({ messageType: "MT202", payload: "MT202 payload" });
+      const rejected = rejectMessage(msg.reference, "bad coordinates")!;
+      expect(rejected.state).toBe("rejected");
+      const afterAdvance = await advance(msg.reference);
+      expect(afterAdvance!.state).toBe("rejected");
+    });
+
+    it("listMessages filters by planId", () => {
+      recordDispatch({ messageType: "MT760", payload: "a", planId: "plan-a" });
+      recordDispatch({ messageType: "MT760", payload: "b", planId: "plan-b" });
+      recordDispatch({ messageType: "MT760", payload: "c", planId: "plan-a" });
+      expect(listMessages().length).toBe(3);
+      expect(listMessages({ planId: "plan-a" }).length).toBe(2);
+    });
+  });
+
+  describe("signature", () => {
+    it("produces a stable 64-char hex HMAC", () => {
+      const sig = finSignature("hello");
+      expect(sig).toMatch(/^[0-9a-f]{64}$/);
+      expect(finSignature("hello")).toBe(sig);
+      expect(finSignature("world")).not.toBe(sig);
+    });
+  });
+
+  describe("HTTP router", () => {
+    const app = express();
+    app.use("/fin", buildSandboxRouter());
+
+    beforeEach(() => resetSandboxForTests());
+
+    it("POST /fin/dispatch returns 202 + reference", async () => {
+      const resp = await request(app)
+        .post("/fin/dispatch")
+        .send({ messageType: "MT760", payload: "mt760", planId: "plan-x" })
+        .expect(202);
+      expect(resp.body.reference).toMatch(/^FIN-/);
+      expect(resp.body.state).toBe("received");
+    });
+
+    it("POST /fin/dispatch 400s on missing payload", async () => {
+      await request(app)
+        .post("/fin/dispatch")
+        .send({ messageType: "MT760" })
+        .expect(400);
+    });
+
+    it("POST /fin/advance/:ref walks through lifecycle", async () => {
+      const d = await request(app)
+        .post("/fin/dispatch")
+        .send({ messageType: "pacs.009", payload: "<pacs.009/>" })
+        .expect(202);
+      const ref = d.body.reference;
+      const a1 = await request(app).post(`/fin/advance/${ref}`).expect(200);
+      expect(a1.body.state).toBe("acknowledged");
+      const a2 = await request(app).post(`/fin/advance/${ref}`).expect(200);
+      expect(a2.body.state).toBe("accepted");
+      const a3 = await request(app).post(`/fin/advance/${ref}`).expect(200);
+      expect(a3.body.state).toBe("settled");
+    });
+
+    it("GET /fin/messages?planId=... filters", async () => {
+      await request(app)
+        .post("/fin/dispatch")
+        .send({ messageType: "MT760", payload: "a", planId: "p1" });
+      await request(app)
+        .post("/fin/dispatch")
+        .send({ messageType: "MT760", payload: "b", planId: "p2" });
+      const r = await request(app).get("/fin/messages?planId=p1").expect(200);
+      expect(r.body.messages).toHaveLength(1);
+      expect(r.body.messages[0].planId).toBe("p1");
+    });
+
+    it("GET /fin/messages/:ref returns 404 for unknown", async () => {
+      await request(app).get("/fin/messages/FIN-UNKNOWN").expect(404);
+    });
+  });
+
+  describe("client", () => {
+    beforeEach(() => resetSandboxForTests());
+
+    it("createInProcessFinLinkClient dispatches and reads back", async () => {
+      const client = await createInProcessFinLinkClient();
+      const ack = await client.dispatch({
+        messageType: "MT760",
+        payload: "mt760",
+        planId: "plan-ip",
+      });
+      expect(ack.reference).toMatch(/^FIN-/);
+      const msg = await client.getMessage(ack.reference);
+      expect(msg?.planId).toBe("plan-ip");
+    });
+
+    it("createHttpFinLinkClient hits the live router", async () => {
+      const app = express();
+      app.use("/fin", buildSandboxRouter());
+      const server = app.listen(0);
+      try {
+        const addr = server.address();
+        const port = typeof addr === "object" && addr ? addr.port : 0;
+        const client = createHttpFinLinkClient(`http://127.0.0.1:${port}/fin`);
+        const ack = await client.dispatch({
+          messageType: "pacs.009",
+          payload: "<pacs.009/>",
+          planId: "plan-http",
+        });
+        expect(ack.reference).toMatch(/^FIN-/);
+        const msg = await client.getMessage(ack.reference);
+        expect(msg?.messageType).toBe("pacs.009");
+        const missing = await client.getMessage("FIN-DOES-NOT-EXIST");
+        expect(missing).toBeNull();
+      } finally {
+        server.close();
+      }
+    });
+  });
+});

orchestrator/tests/unit/idempotency.test.ts

@@ -0,0 +1,177 @@
+import { describe, it, expect, beforeEach, jest } from "@jest/globals";
+import type { Request, Response, NextFunction } from "express";
+
+type Row = {
+  method: string;
+  path: string;
+  key: string;
+  request_hash: string;
+  status_code: number;
+  response_body: unknown;
+};
+
+const store = new Map<string, Row>();
+
+jest.mock("../../src/db/postgres", () => ({
+  query: async (sql: string, params: unknown[] = []) => {
+    if (sql.startsWith("SELECT request_hash")) {
+      const [method, path, key] = params as [string, string, string];
+      const row = store.get(`${method}|${path}|${key}`);
+      return row ? [row] : [];
+    }
+    if (sql.startsWith("INSERT INTO idempotency_keys")) {
+      const [method, path, key, request_hash, status_code, body] = params as [
+        string, string, string, string, number, string,
+      ];
+      const k = `${method}|${path}|${key}`;
+      if (!store.has(k)) {
+        store.set(k, {
+          method,
+          path,
+          key,
+          request_hash,
+          status_code,
+          response_body: JSON.parse(body),
+        });
+      }
+      return [];
+    }
+    return [];
+  },
+}));
+
+import { idempotencyMiddleware, IDEMPOTENCY_HEADER } from "../../src/middleware/idempotency";
+
+function makeReqRes(overrides: {
+  header?: string;
+  method?: string;
+  baseUrl?: string;
+  path?: string;
+  body?: unknown;
+}) {
+  const req = {
+    method: overrides.method ?? "POST",
+    baseUrl: overrides.baseUrl ?? "",
+    path: overrides.path ?? "/api/plans",
+    body: overrides.body ?? { a: 1 },
+    header(name: string) {
+      return name.toLowerCase() === IDEMPOTENCY_HEADER ? overrides.header : undefined;
+    },
+  } as unknown as Request;
+  const captured: { status?: number; body?: unknown; headers: Record<string, string> } = {
+    headers: {},
+  };
+  const res: Partial<Response> = {
+    statusCode: 200,
+    status(code: number) {
+      this.statusCode = code;
+      captured.status = code;
+      return this as Response;
+    },
+    json(body: unknown) {
+      captured.body = body;
+      if (captured.status === undefined) captured.status = this.statusCode;
+      return this as Response;
+    },
+    setHeader(name: string, value: string | number | readonly string[]) {
+      captured.headers[name] = String(value);
+      return this as Response;
+    },
+  };
+  return { req, res: res as Response, captured };
+}
+
+describe("Idempotency middleware", () => {
+  beforeEach(() => {
+    store.clear();
+  });
+
+  it("skips when no Idempotency-Key header is set", async () => {
+    const { req, res } = makeReqRes({});
+    const next = jest.fn() as unknown as NextFunction;
+    await idempotencyMiddleware(req, res, next);
+    expect(next).toHaveBeenCalledTimes(1);
+  });
+
+  it("rejects malformed keys with 400", async () => {
+    const { req, res, captured } = makeReqRes({ header: "short" });
+    const next = jest.fn() as unknown as NextFunction;
+    await idempotencyMiddleware(req, res, next);
+    expect(next).not.toHaveBeenCalled();
+    expect(captured.status).toBe(400);
+    expect((captured.body as { error: string }).error).toBe("idempotency_key_invalid");
+  });
+
+  it("caches 2xx responses on first call and replays on second", async () => {
+    const key = "ABC12345_test-key";
+
+    const first = makeReqRes({ header: key });
+    const next1 = jest.fn() as unknown as NextFunction;
+    await idempotencyMiddleware(first.req, first.res, next1);
+    expect(next1).toHaveBeenCalledTimes(1);
+    // Simulate handler sending JSON response
+    first.res.status(201);
+    first.res.json({ plan_id: "p-1", created: true });
+
+    // Let the fire-and-forget INSERT microtask flush
+    await new Promise((r) => setImmediate(r));
+
+    const second = makeReqRes({ header: key });
+    const next2 = jest.fn() as unknown as NextFunction;
+    await idempotencyMiddleware(second.req, second.res, next2);
+    expect(next2).not.toHaveBeenCalled();
+    expect(second.captured.status).toBe(201);
+    expect(second.captured.body).toEqual({ plan_id: "p-1", created: true });
+    expect(second.captured.headers["Idempotent-Replayed"]).toBe("true");
+  });
+
+  it("rejects reuse with a different body as 422", async () => {
+    const key = "ABC12345_test-key";
+
+    const first = makeReqRes({ header: key, body: { a: 1 } });
+    const next1 = jest.fn() as unknown as NextFunction;
+    await idempotencyMiddleware(first.req, first.res, next1);
+    first.res.status(200);
+    first.res.json({ ok: true });
+    await new Promise((r) => setImmediate(r));
+
+    const second = makeReqRes({ header: key, body: { a: 2 } });
+    const next2 = jest.fn() as unknown as NextFunction;
+    await idempotencyMiddleware(second.req, second.res, next2);
+    expect(next2).not.toHaveBeenCalled();
+    expect(second.captured.status).toBe(422);
+    expect((second.captured.body as { error: string }).error).toBe("idempotency_key_reused");
+  });
+
+  it("does NOT cache non-2xx responses (retryable)", async () => {
+    const key = "ABC12345_test-key";
+
+    const first = makeReqRes({ header: key });
+    await idempotencyMiddleware(first.req, first.res, jest.fn() as unknown as NextFunction);
+    first.res.status(500);
+    first.res.json({ error: "boom" });
+    await new Promise((r) => setImmediate(r));
+
+    // Retry should go through (no replay)
+    const second = makeReqRes({ header: key });
+    const next2 = jest.fn() as unknown as NextFunction;
+    await idempotencyMiddleware(second.req, second.res, next2);
+    expect(next2).toHaveBeenCalledTimes(1);
+  });
+
+  it("scopes by (method, path, key)", async () => {
+    const key = "ABC12345_test-key";
+
+    const createPlan = makeReqRes({ header: key, path: "/api/plans" });
+    await idempotencyMiddleware(createPlan.req, createPlan.res, jest.fn() as unknown as NextFunction);
+    createPlan.res.status(201);
+    createPlan.res.json({ plan_id: "p-1" });
+    await new Promise((r) => setImmediate(r));
+
+    // Same key on a different path: should pass through, not replay
+    const execute = makeReqRes({ header: key, path: "/api/plans/p-1/execute" });
+    const nextExec = jest.fn() as unknown as NextFunction;
+    await idempotencyMiddleware(execute.req, execute.res, nextExec);
+    expect(nextExec).toHaveBeenCalledTimes(1);
+  });
+});

orchestrator/tests/unit/notaryChain.test.ts

@@ -0,0 +1,62 @@
+import { describe, it, expect, beforeEach } from "@jest/globals";
+import {
+  __resetForTests,
+  anchorPlan,
+  computePlanHash,
+  finalizeAnchor,
+  planIdToBytes32,
+} from "../../src/services/notaryChain";
+import type { Plan } from "../../src/types/plan";
+
+const FIXTURE_PLAN: Plan = {
+  plan_id: "11111111-2222-3333-4444-555555555555",
+  creator: "0xabc",
+  steps: [{ type: "pay", amount: 100, asset: "USD" }],
+};
+
+describe("NotaryChain adapter", () => {
+  beforeEach(() => __resetForTests());
+
+  describe("helpers", () => {
+    it("planIdToBytes32 is deterministic and 32 bytes", () => {
+      const a = planIdToBytes32("p-1");
+      const b = planIdToBytes32("p-1");
+      expect(a).toBe(b);
+      expect(a).toMatch(/^0x[0-9a-f]{64}$/);
+    });
+
+    it("planIdToBytes32 collision-resistant across different ids", () => {
+      expect(planIdToBytes32("a")).not.toBe(planIdToBytes32("b"));
+    });
+
+    it("computePlanHash is deterministic and sha256", () => {
+      const h1 = computePlanHash(FIXTURE_PLAN);
+      const h2 = computePlanHash(FIXTURE_PLAN);
+      expect(h1).toBe(h2);
+      expect(h1).toMatch(/^0x[0-9a-f]{64}$/);
+    });
+  });
+
+  describe("mock fallback (envs unset)", () => {
+    it("anchorPlan returns mode=mock with planHash when unconfigured", async () => {
+      const result = await anchorPlan(FIXTURE_PLAN, {});
+      expect(result.mode).toBe("mock");
+      expect(result.planHash).toMatch(/^0x[0-9a-f]{64}$/);
+      expect(result.txHash).toBeUndefined();
+    });
+
+    it("finalizeAnchor returns mode=mock when unconfigured", async () => {
+      const result = await finalizeAnchor(FIXTURE_PLAN.plan_id!, true, {});
+      expect(result.mode).toBe("mock");
+      expect(result.txHash).toBeUndefined();
+    });
+
+    it("anchorPlan stays on the mock path when only some envs are set", async () => {
+      const result = await anchorPlan(FIXTURE_PLAN, {
+        rpcUrl: "https://rpc.d-bis.org",
+        // contractAddress + privateKey missing
+      });
+      expect(result.mode).toBe("mock");
+    });
+  });
+});

orchestrator/tests/unit/obligations.test.ts

@@ -0,0 +1,284 @@
+import { describe, it, expect } from "@jest/globals";
+import {
+  canonicalize,
+  hashObligationTerms,
+  validateObligationTerms,
+  evaluateClauses,
+  evaluateCommit,
+  evaluateAbort,
+  buildIssueInstrumentObligation,
+  type ObligationTerms,
+} from "../../src/services/obligations";
+import { evaluateCondition, resolvePath } from "../../src/services/obligations/evaluator";
+
+describe("Obligation layer (gap-analysis v2 §4.1)", () => {
+  const instrument = {
+    applicant: "ACME Corp",
+    issuingBankBIC: "CHASUS33",
+    beneficiaryBankBIC: "EBILAEAD",
+    beneficiaryName: "Acme Beneficiary Ltd",
+    beneficiaryAccount: "AE070331234567890123456",
+    amount: 1_000_000,
+    currency: "USD",
+    tenor: "1Y",
+    expiryDate: "2026-12-31",
+    placeOfPresentation: "Dubai",
+    governingLaw: "URDG 758",
+    templateRef: "emirates-islamic-sblc-v3",
+    templateHash:
+      "a".repeat(64),
+  };
+
+  const authorizedParticipants = [
+    { role: "coordinator" as const, actorId: "actor-1" },
+    { role: "approver" as const, actorId: "actor-2" },
+    { role: "releaser" as const, actorId: "actor-3" },
+    { role: "validator" as const, actorId: "actor-4" },
+    { role: "exception_manager" as const, actorId: "actor-5" },
+  ];
+
+  describe("canonicalize()", () => {
+    it("sorts object keys at every depth", () => {
+      const a = canonicalize({ b: 1, a: { d: 2, c: 3 } });
+      const b = canonicalize({ a: { c: 3, d: 2 }, b: 1 });
+      expect(a).toBe(b);
+      expect(a).toBe('{"a":{"c":3,"d":2},"b":1}');
+    });
+
+    it("preserves array order", () => {
+      expect(canonicalize({ x: [3, 1, 2] })).toBe('{"x":[3,1,2]}');
+    });
+
+    it("handles null and nested arrays of objects", () => {
+      expect(
+        canonicalize({ a: null, b: [{ y: 2, x: 1 }, { z: 3 }] }),
+      ).toBe('{"a":null,"b":[{"x":1,"y":2},{"z":3}]}');
+    });
+  });
+
+  describe("hashObligationTerms()", () => {
+    const terms = buildIssueInstrumentObligation({
+      instrument,
+      payor: "ACME Corp",
+      payee: "Acme Beneficiary Ltd",
+      authorizedParticipants,
+    });
+
+    it("produces a 64-char hex hash", () => {
+      expect(hashObligationTerms(terms)).toMatch(/^[0-9a-f]{64}$/);
+    });
+
+    it("is insensitive to key ordering", () => {
+      const shuffled: ObligationTerms = {
+        ...terms,
+        consideration: {
+          payee: terms.consideration.payee,
+          currency: terms.consideration.currency,
+          amount: terms.consideration.amount,
+          payor: terms.consideration.payor,
+        },
+      };
+      expect(hashObligationTerms(shuffled)).toBe(hashObligationTerms(terms));
+    });
+
+    it("changes when any field mutates", () => {
+      const mutated: ObligationTerms = {
+        ...terms,
+        consideration: { ...terms.consideration, amount: 999 },
+      };
+      expect(hashObligationTerms(mutated)).not.toBe(hashObligationTerms(terms));
+    });
+  });
+
+  describe("validateObligationTerms()", () => {
+    const valid = buildIssueInstrumentObligation({
+      instrument,
+      payor: "A",
+      payee: "B",
+      authorizedParticipants,
+    });
+
+    it("accepts a well-formed obligation", () => {
+      expect(validateObligationTerms(valid).ok).toBe(true);
+    });
+
+    it("rejects non-object input", () => {
+      expect(validateObligationTerms(null).ok).toBe(false);
+      expect(validateObligationTerms("nope").ok).toBe(false);
+    });
+
+    it("flags missing consideration fields", () => {
+      const bad = {
+        ...valid,
+        consideration: { payor: "A", payee: "B", currency: "usd", amount: -5 },
+      };
+      const r = validateObligationTerms(bad);
+      expect(r.ok).toBe(false);
+      expect(r.errors).toEqual(
+        expect.arrayContaining([
+          expect.stringContaining("ISO-4217"),
+          expect.stringContaining("amount"),
+        ]),
+      );
+    });
+
+    it("flags bad template hash", () => {
+      const bad = {
+        ...valid,
+        governingDocuments: [
+          { templateRef: "t", templateHash: "not-a-hash" },
+        ],
+      };
+      const r = validateObligationTerms(bad);
+      expect(r.ok).toBe(false);
+      expect(r.errors.some((e) => e.includes("hex SHA-256"))).toBe(true);
+    });
+
+    it("flags empty authorizedParticipants[].role", () => {
+      const bad = {
+        ...valid,
+        authorizedParticipants: [{ actorId: "x" }],
+      };
+      const r = validateObligationTerms(bad);
+      expect(r.ok).toBe(false);
+    });
+  });
+
+  describe("evaluator", () => {
+    it("resolvePath handles dotted + indexed paths", () => {
+      const ctx = { plan: { steps: [{ type: "pay" }, { type: "issueInstrument" }] } };
+      expect(resolvePath("plan.steps[1].type", ctx)).toBe("issueInstrument");
+      expect(resolvePath("plan.missing.x", ctx)).toBeUndefined();
+    });
+
+    it("evaluates all/any/not combinators", () => {
+      const ctx = { a: 1, b: 2 };
+      expect(
+        evaluateCondition(
+          {
+            all: [
+              { path: "a", op: "eq", value: 1 },
+              { path: "b", op: "gt", value: 1 },
+            ],
+          },
+          ctx,
+        ),
+      ).toBe(true);
+      expect(
+        evaluateCondition(
+          {
+            any: [
+              { path: "a", op: "eq", value: 99 },
+              { path: "b", op: "gt", value: 1 },
+            ],
+          },
+          ctx,
+        ),
+      ).toBe(true);
+      expect(
+        evaluateCondition({ not: { path: "a", op: "eq", value: 2 } }, ctx),
+      ).toBe(true);
+    });
+
+    it("matches regex operator safely (no eval)", () => {
+      expect(
+        evaluateCondition(
+          { path: "h", op: "matches", value: "^0x[0-9a-f]{4}$" },
+          { h: "0xbeef" },
+        ),
+      ).toBe(true);
+      expect(
+        evaluateCondition(
+          { path: "h", op: "matches", value: "^0x[0-9a-f]{4}$" },
+          { h: "0xBEEFG" },
+        ),
+      ).toBe(false);
+    });
+  });
+
+  describe("evaluateClauses / evaluateCommit / evaluateAbort", () => {
+    const terms = buildIssueInstrumentObligation({
+      instrument,
+      payor: "ACME Corp",
+      payee: "Acme Beneficiary Ltd",
+      authorizedParticipants,
+    });
+
+    const passingCtx = {
+      state: "VALIDATING",
+      dlt: { tx_hash: "0x" + "b".repeat(64) },
+      bank: { iso_message_id: "MSG-1" },
+      exceptions: { active: [] },
+      instrument: { template_hash: instrument.templateHash, dispatched: true },
+      payment: {
+        amount: instrument.amount,
+        currency: instrument.currency,
+        failed: false,
+      },
+    };
+
+    it("evaluateCommit returns ok=true when all commit clauses pass", () => {
+      const r = evaluateCommit(terms, passingCtx);
+      expect(r.ok).toBe(true);
+      expect(r.results.every((x) => x.ok)).toBe(true);
+    });
+
+    it("evaluateCommit returns ok=false with per-clause reasons on failure", () => {
+      const badCtx = { ...passingCtx, dlt: { tx_hash: "not-hex" } };
+      const r = evaluateCommit(terms, badCtx);
+      expect(r.ok).toBe(false);
+      const failing = r.results.find((x) => !x.ok);
+      expect(failing?.clauseId).toBe("commit.dlt_tx_hash");
+      expect(failing?.failureReason).toBeTruthy();
+    });
+
+    it("evaluateAbort fires when an active exception exists", () => {
+      const ctx = {
+        ...passingCtx,
+        exceptions: { active: [{ kind: "timeout" }] },
+      };
+      const r = evaluateAbort(terms, ctx);
+      expect(r.ok).toBe(true);
+      expect(r.results.find((x) => x.clauseId === "abort.exception_raised")?.ok).toBe(
+        true,
+      );
+    });
+
+    it("evaluateClauses surfaces evaluator errors without throwing", () => {
+      const bogus = [
+        {
+          id: "bogus",
+          description: "bad regex",
+          binds: "both" as const,
+          assert: { path: "h", op: "matches" as const, value: "[" }, // invalid regex
+        },
+      ];
+      const r = evaluateClauses(bogus, { h: "x" });
+      expect(r.ok).toBe(false);
+      expect(r.results[0].failureReason).toBeTruthy();
+    });
+  });
+
+  describe("buildIssueInstrumentObligation()", () => {
+    it("binds the instrument template hash into governingDocuments", () => {
+      const terms = buildIssueInstrumentObligation({
+        instrument,
+        payor: "A",
+        payee: "B",
+        authorizedParticipants,
+      });
+      expect(terms.governingDocuments[0].templateHash).toBe(instrument.templateHash);
+      expect(terms.governingDocuments[0].governingLaw).toBe("URDG 758");
+    });
+
+    it("validates cleanly", () => {
+      const terms = buildIssueInstrumentObligation({
+        instrument,
+        payor: "A",
+        payee: "B",
+        authorizedParticipants,
+      });
+      expect(validateObligationTerms(terms).ok).toBe(true);
+    });
+  });
+});

orchestrator/tests/unit/planValidation.instrument.test.ts

@@ -0,0 +1,82 @@
+import { describe, it, expect } from "@jest/globals";
+import { validatePlan } from "../../src/services/planValidation";
+import type { InstrumentTerms, Plan } from "../../src/types/plan";
+
+const goodTerms: InstrumentTerms = {
+  applicant: "Solace Bank Group PLC",
+  issuingBankBIC: "SOLBAE22",
+  beneficiaryBankBIC: "MEBLAEAD", // Emirates Islamic BIC prefix example
+  beneficiaryName: "Acme Trading LLC",
+  beneficiaryAccount: "AE070331234567890123456",
+  amount: 1_000_000,
+  currency: "USD",
+  tenor: "90D",
+  expiryDate: "2026-06-30",
+  placeOfPresentation: "Dubai, UAE",
+  governingLaw: "URDG 758",
+  templateRef: "EIB-SBLC-v3.2",
+  templateHash:
+    "a".repeat(64), // dummy sha256
+};
+
+function planWith(terms: Partial<InstrumentTerms> | null): Plan {
+  return {
+    creator: "solace-ops-01",
+    steps: [
+      {
+        type: "issueInstrument",
+        amount: terms?.amount ?? 1_000_000,
+        instrument: terms === null ? undefined : ({ ...goodTerms, ...terms } as InstrumentTerms),
+      },
+    ],
+  };
+}
+
+describe("validatePlan — issueInstrument step", () => {
+  it("accepts a well-formed SBLC step", () => {
+    const result = validatePlan(planWith({}));
+    expect(result.valid).toBe(true);
+    expect(result.errors).toHaveLength(0);
+  });
+
+  it("rejects a step missing the instrument object", () => {
+    const result = validatePlan(planWith(null));
+    expect(result.valid).toBe(false);
+    expect(result.errors[0]).toMatch(/missing instrument terms/);
+  });
+
+  it("rejects an invalid BIC", () => {
+    const result = validatePlan(planWith({ issuingBankBIC: "NOTABIC" }));
+    expect(result.valid).toBe(false);
+    expect(result.errors.join("\n")).toMatch(/issuingBankBIC is not a valid BIC/);
+  });
+
+  it("rejects a non-ISO-4217 currency", () => {
+    const result = validatePlan(planWith({ currency: "usd" }));
+    expect(result.valid).toBe(false);
+    expect(result.errors.join("\n")).toMatch(/currency must be ISO 4217/);
+  });
+
+  it("rejects a non-ISO-8601 expiry date", () => {
+    const result = validatePlan(planWith({ expiryDate: "30-06-2026" }));
+    expect(result.valid).toBe(false);
+    expect(result.errors.join("\n")).toMatch(/expiryDate must be YYYY-MM-DD/);
+  });
+
+  it("rejects a non-sha256 template hash", () => {
+    const result = validatePlan(planWith({ templateHash: "deadbeef" }));
+    expect(result.valid).toBe(false);
+    expect(result.errors.join("\n")).toMatch(/templateHash must be 64 hex chars/);
+  });
+
+  it("rejects an instrument with non-positive amount", () => {
+    const result = validatePlan(planWith({ amount: 0 }));
+    expect(result.valid).toBe(false);
+    expect(result.errors.join("\n")).toMatch(/instrument.amount must be > 0/);
+  });
+
+  it("accepts 11-char branched BIC", () => {
+    const result = validatePlan(planWith({ issuingBankBIC: "SOLBAE22XXX" }));
+    expect(result.valid).toBe(true);
+  });
+});

orchestrator/tests/unit/rulesEngine.test.ts

@@ -0,0 +1,245 @@
+/**
+ * PR P — Pluggable Rules Engine (gap-analysis v2 §5.2 partial).
+ */
+
+import { describe, it, expect, beforeEach } from "@jest/globals";
+import {
+  evaluate,
+  evaluateCondition,
+  getRuleSet,
+  BUILTIN_PRECONDITIONS,
+  BUILTIN_COMMIT,
+  __resetRulesCacheForTests,
+  type RuleSet,
+} from "../../src/services/rulesEngine";
+
+describe("rulesEngine — primitive operators", () => {
+  it("eq / neq / gt / gte / lt / lte", () => {
+    expect(
+      evaluateCondition({ path: "a", op: "eq", value: 1 }, { a: 1 }),
+    ).toBe(true);
+    expect(
+      evaluateCondition({ path: "a", op: "neq", value: 1 }, { a: 2 }),
+    ).toBe(true);
+    expect(
+      evaluateCondition({ path: "a", op: "gt", value: 1 }, { a: 2 }),
+    ).toBe(true);
+    expect(
+      evaluateCondition({ path: "a", op: "lte", value: 3 }, { a: 3 }),
+    ).toBe(true);
+  });
+
+  it("in / not_in / exists / matches", () => {
+    expect(
+      evaluateCondition(
+        { path: "role", op: "in", value: ["approver", "releaser"] },
+        { role: "approver" },
+      ),
+    ).toBe(true);
+    expect(
+      evaluateCondition(
+        { path: "role", op: "not_in", value: ["approver"] },
+        { role: "operator" },
+      ),
+    ).toBe(true);
+    expect(
+      evaluateCondition({ path: "x", op: "exists" }, { x: 0 }),
+    ).toBe(true);
+    expect(
+      evaluateCondition(
+        { path: "hash", op: "matches", value: "^0x[0-9a-f]+$" },
+        { hash: "0xabc" },
+      ),
+    ).toBe(true);
+  });
+
+  it("length_gte / length_lte work on arrays and strings", () => {
+    expect(
+      evaluateCondition({ path: "a", op: "length_gte", value: 2 }, { a: [1, 2] }),
+    ).toBe(true);
+    expect(
+      evaluateCondition({ path: "a", op: "length_lte", value: 5 }, { a: "abcd" }),
+    ).toBe(true);
+  });
+
+  it("dotted + indexed path resolution", () => {
+    expect(
+      evaluateCondition(
+        { path: "plan.steps[1].type", op: "eq", value: "pay" },
+        { plan: { steps: [{ type: "issue" }, { type: "pay" }] } },
+      ),
+    ).toBe(true);
+  });
+});
+
+describe("rulesEngine — combinators", () => {
+  const ctx = { role: "approver", amount: 1000 };
+
+  it("all (AND) — every child must pass", () => {
+    expect(
+      evaluateCondition(
+        {
+          all: [
+            { path: "role", op: "eq", value: "approver" },
+            { path: "amount", op: "gt", value: 500 },
+          ],
+        },
+        ctx,
+      ),
+    ).toBe(true);
+    expect(
+      evaluateCondition(
+        {
+          all: [
+            { path: "role", op: "eq", value: "approver" },
+            { path: "amount", op: "gt", value: 5000 },
+          ],
+        },
+        ctx,
+      ),
+    ).toBe(false);
+  });
+
+  it("any (OR) — at least one child must pass", () => {
+    expect(
+      evaluateCondition(
+        {
+          any: [
+            { path: "role", op: "eq", value: "releaser" },
+            { path: "amount", op: "gt", value: 500 },
+          ],
+        },
+        ctx,
+      ),
+    ).toBe(true);
+  });
+
+  it("not — inverts the child", () => {
+    expect(
+      evaluateCondition(
+        { not: { path: "role", op: "eq", value: "releaser" } },
+        ctx,
+      ),
+    ).toBe(true);
+  });
+});
+
+describe("rulesEngine — evaluate() and failure reporting", () => {
+  const ruleSet: RuleSet = {
+    id: "test.rs",
+    rules: [
+      {
+        id: "amount_positive",
+        description: "amount must be > 0",
+        assert: { path: "amount", op: "gt", value: 0 },
+      },
+      {
+        id: "role_listed",
+        description: "role must be in the allowed list",
+        assert: {
+          path: "role",
+          op: "in",
+          value: ["approver", "releaser", "operator"],
+        },
+      },
+      {
+        id: "warning_only",
+        description: "low amount warning",
+        severity: "warn",
+        assert: { path: "amount", op: "gte", value: 10_000 },
+      },
+    ],
+  };
+
+  it("returns ok=true when all error-severity rules pass", () => {
+    const res = evaluate(ruleSet, { amount: 1000, role: "approver" });
+    expect(res.ok).toBe(true);
+    // warn still reported even though ok=true
+    expect(res.failures.some((f) => f.ruleId === "warning_only")).toBe(true);
+    expect(res.failures.every((f) => f.severity === "warn")).toBe(true);
+  });
+
+  it("returns ok=false with error failure when a blocking rule fails", () => {
+    const res = evaluate(ruleSet, { amount: -1, role: "approver" });
+    expect(res.ok).toBe(false);
+    const amountFail = res.failures.find((f) => f.ruleId === "amount_positive");
+    expect(amountFail?.severity).toBe("error");
+  });
+
+  it("'when' gates a rule — false when-clause skips the assert", () => {
+    const guarded: RuleSet = {
+      id: "guarded.rs",
+      rules: [
+        {
+          id: "kyc_if_present",
+          when: { path: "compliance", op: "exists" },
+          assert: { path: "compliance.kyc", op: "eq", value: "ok" },
+        },
+      ],
+    };
+    expect(evaluate(guarded, {}).ok).toBe(true);
+    expect(evaluate(guarded, { compliance: { kyc: "ok" } }).ok).toBe(true);
+    expect(evaluate(guarded, { compliance: { kyc: "fail" } }).ok).toBe(false);
+  });
+});
+
+describe("rulesEngine — built-in rule sets", () => {
+  it("preconditions: pay step + non-empty participants passes", () => {
+    const res = evaluate(BUILTIN_PRECONDITIONS, {
+      plan: { steps: [{ type: "pay" }] },
+      participants: [{ id: "p1" }],
+    });
+    expect(res.ok).toBe(true);
+  });
+
+  it("preconditions: missing pay step fails", () => {
+    const res = evaluate(BUILTIN_PRECONDITIONS, {
+      plan: { steps: [{ type: "issueInstrument" }] },
+      participants: [{ id: "p1" }],
+    });
+    expect(res.ok).toBe(false);
+    expect(res.failures.some((f) => f.ruleId === "plan.pay_step_present")).toBe(
+      true,
+    );
+  });
+
+  it("commit: VALIDATING + matching refs + no exceptions passes", () => {
+    const res = evaluate(BUILTIN_COMMIT, {
+      state: "VALIDATING",
+      dlt: { txHash: `0x${"a".repeat(64)}` },
+      bank: { isoMessageId: "MSG-1" },
+      exceptions: { active: [] },
+    });
+    expect(res.ok).toBe(true);
+  });
+
+  it("commit: state != VALIDATING blocks", () => {
+    const res = evaluate(BUILTIN_COMMIT, {
+      state: "EXECUTING",
+      dlt: { txHash: `0x${"a".repeat(64)}` },
+      bank: { isoMessageId: "MSG-1" },
+      exceptions: { active: [] },
+    });
+    expect(res.ok).toBe(false);
+    expect(res.failures.some((f) => f.ruleId === "state.is_validating")).toBe(
+      true,
+    );
+  });
+});
+
+describe("rulesEngine — pluggable loading", () => {
+  beforeEach(() => {
+    __resetRulesCacheForTests();
+    delete process.env.RULES_FILE;
+  });
+
+  it("returns built-ins when RULES_FILE is unset", () => {
+    expect(getRuleSet(BUILTIN_PRECONDITIONS.id).rules.length).toBeGreaterThan(0);
+    expect(getRuleSet(BUILTIN_COMMIT.id).rules.length).toBeGreaterThan(0);
+  });
+
+  it("returns an empty rule set for unknown ids (no throw)", () => {
+    const rs = getRuleSet("nonexistent");
+    expect(rs.rules).toEqual([]);
+  });
+});

orchestrator/tests/unit/swift.test.ts

@@ -0,0 +1,169 @@
+import { describe, it, expect } from "@jest/globals";
+import {
+  generateMt760,
+  messageHash,
+  generatePacs009,
+  generateMt202,
+  parseCamt025,
+  parseCamt054,
+  parseCamt,
+  reconcileCamt054,
+} from "../../src/services/swift";
+import type { InstrumentTerms, Plan } from "../../src/types/plan";
+
+const TERMS: InstrumentTerms = {
+  applicant: "ACME TRADING FZE",
+  issuingBankBIC: "EBILAEAD",
+  beneficiaryBankBIC: "EMBKAEAD",
+  beneficiaryName: "BLUE OCEAN SHIPPING LLC",
+  beneficiaryAccount: "AE070260001015104203701",
+  amount: 1_500_000,
+  currency: "USD",
+  tenor: "365D",
+  expiryDate: "2027-04-18",
+  placeOfPresentation: "DUBAI",
+  governingLaw: "URDG 758",
+  templateRef: "EIB-SBLC-2024-01",
+  templateHash: "a".repeat(64),
+};
+
+const PLAN: Plan = {
+  plan_id: "11111111-2222-3333-4444-555555555555",
+  creator: "0xabc",
+  steps: [{ type: "pay", asset: "USD", amount: 1_500_000 }],
+};
+
+describe("SWIFT gateway — MT760", () => {
+  it("renders all 12 required tags", () => {
+    const msg = generateMt760(TERMS, { transactionReference: "TXN1", issueDate: "2026-04-18" });
+    expect(msg.sender).toBe("EBILAEAD");
+    expect(msg.receiver).toBe("EMBKAEAD");
+    expect(msg.fields["20"]).toBe("TXN1");
+    expect(msg.fields["30"]).toBe("260418");
+    expect(msg.fields["32B"]).toBe("USD1500000,00");
+    expect(msg.fields["31D"]).toBe("270418DUBAI");
+    expect(msg.fin).toContain("{1:F01EBILAEADXXXX0000000000}");
+    expect(msg.fin).toContain("{2:I760EMBKAEADXXXXN}");
+    expect(msg.fin).toContain(":32B:USD1500000,00");
+  });
+
+  it("rejects malformed expiry date", () => {
+    expect(() =>
+      generateMt760({ ...TERMS, expiryDate: "not-a-date" }, { transactionReference: "T", issueDate: "2026-04-18" }),
+    ).toThrow(/YYYY-MM-DD/);
+  });
+
+  it("rejects negative amount", () => {
+    expect(() =>
+      generateMt760({ ...TERMS, amount: -1 }, { transactionReference: "T", issueDate: "2026-04-18" }),
+    ).toThrow(/non-negative/);
+  });
+
+  it("messageHash is deterministic", () => {
+    const a = generateMt760(TERMS, { transactionReference: "T", issueDate: "2026-04-18" });
+    const b = generateMt760(TERMS, { transactionReference: "T", issueDate: "2026-04-18" });
+    expect(messageHash(a)).toBe(messageHash(b));
+    expect(messageHash(a)).toMatch(/^[0-9a-f]{64}$/);
+  });
+});
+
+describe("SWIFT gateway — pacs.009", () => {
+  const opts = {
+    messageId: "MSG-1",
+    creationDateTime: "2026-04-18T10:00:00Z",
+    instructingAgentBIC: "EBILAEAD",
+    instructedAgentBIC: "EMBKAEAD",
+    debtorAgentBIC: "EBILAEAD",
+    creditorAgentBIC: "EMBKAEAD",
+  };
+
+  it("emits well-formed pacs.009.001.08 XML", () => {
+    const result = generatePacs009(PLAN, opts);
+    expect(result.messageId).toBe("MSG-1");
+    expect(result.xml).toContain("urn:iso:std:iso:20022:tech:xsd:pacs.009.001.08");
+    expect(result.xml).toContain("<IntrBkSttlmAmt Ccy=\"USD\">1500000.00</IntrBkSttlmAmt>");
+    expect(result.xml).toContain("<BICFI>EBILAEAD</BICFI>");
+    expect(result.xml).toContain("<BICFI>EMBKAEAD</BICFI>");
+    expect(result.endToEndId).toBe(`E2E-${PLAN.plan_id}`);
+  });
+
+  it("rejects invalid BIC", () => {
+    expect(() => generatePacs009(PLAN, { ...opts, instructingAgentBIC: "BAD" })).toThrow(/BIC/);
+  });
+
+  it("requires a pay step", () => {
+    expect(() =>
+      generatePacs009({ ...PLAN, steps: [{ type: "borrow", amount: 1, asset: "USD" }] }, opts),
+    ).toThrow(/pay/);
+  });
+});
+
+describe("SWIFT gateway — MT202", () => {
+  it("renders the 6 required tags", () => {
+    const msg = generateMt202(PLAN, {
+      transactionReference: "TXN-1",
+      valueDate: "2026-04-18",
+      sendingInstitution: "EBILAEAD",
+      receivingInstitution: "EMBKAEAD",
+      beneficiaryInstitution: "EMBKAEAD",
+    });
+    expect(msg.fields["20"]).toBe("TXN-1");
+    expect(msg.fields["32A"]).toBe("260418USD1500000,00");
+    expect(msg.fields["58A"]).toBe("EMBKAEAD");
+    expect(msg.fin).toContain(":20:TXN-1");
+  });
+});
+
+describe("SWIFT gateway — camt parsers", () => {
+  it("parseCamt025 extracts status + ids", () => {
+    const xml = `<?xml version="1.0"?><Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.025.001.05"><Rct><MsgId>R1</MsgId><OrgnlMsgId>MSG-1</OrgnlMsgId><Cd>ACSC</Cd><CreDtTm>2026-04-18T10:01:00Z</CreDtTm></Rct></Document>`;
+    const r = parseCamt025(xml);
+    expect(r.type).toBe("camt.025");
+    expect(r.originalMessageId).toBe("MSG-1");
+    expect(r.status).toBe("ACSC");
+  });
+
+  it("parseCamt054 extracts credit amount + endToEndId", () => {
+    const xml = `<?xml version="1.0"?><Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.054.001.08"><BkToCstmrDbtCdtNtfctn><MsgId>N1</MsgId><Ntfctn><Ntry><Amt Ccy="USD">1500000.00</Amt><CdtDbtInd>CRDT</CdtDbtInd><BookgDt><Dt>2026-04-18</Dt></BookgDt><ValDt><Dt>2026-04-18</Dt></ValDt><NtryDtls><TxDtls><Refs><EndToEndId>E2E-plan-1</EndToEndId></Refs></TxDtls></NtryDtls></Ntry></Ntfctn></BkToCstmrDbtCdtNtfctn></Document>`;
+    const r = parseCamt054(xml);
+    expect(r.type).toBe("camt.054");
+    expect(r.creditDebitIndicator).toBe("CRDT");
+    expect(r.amount).toBe(1_500_000);
+    expect(r.currency).toBe("USD");
+    expect(r.endToEndId).toBe("E2E-plan-1");
+  });
+
+  it("parseCamt dispatches on xmlns marker", () => {
+    const xml025 = `<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.025.001.05"><Rct><MsgId>R</MsgId><OrgnlMsgId>O</OrgnlMsgId><Cd>ACSC</Cd></Rct></Document>`;
+    expect(parseCamt(xml025).type).toBe("camt.025");
+  });
+
+  it("parseCamt rejects unknown xmlns", () => {
+    expect(() => parseCamt('<Document xmlns="urn:other"/>')).toThrow(/unsupported/);
+  });
+
+  it("reconcileCamt054 returns empty array when everything matches", () => {
+    const msg = {
+      type: "camt.054" as const,
+      messageId: "N1",
+      creditDebitIndicator: "CRDT" as const,
+      amount: 1_500_000,
+      currency: "USD",
+      endToEndId: "E2E-1",
+    };
+    expect(reconcileCamt054(msg, { amount: 1_500_000, currency: "USD", endToEndId: "E2E-1" })).toEqual([]);
+  });
+
+  it("reconcileCamt054 reports amount + currency + direction mismatches", () => {
+    const msg = {
+      type: "camt.054" as const,
+      messageId: "N1",
+      creditDebitIndicator: "DBIT" as const,
+      amount: 1_400_000,
+      currency: "EUR",
+      endToEndId: "E2E-2",
+    };
+    const result = reconcileCamt054(msg, { amount: 1_500_000, currency: "USD", endToEndId: "E2E-1" });
+    expect(result.map((m) => m.field).sort()).toEqual(["amount", "creditDebitIndicator", "currency", "endToEndId"]);
+  });
+});

orchestrator/tests/unit/transactionState.test.ts

@@ -0,0 +1,85 @@
+import { describe, it, expect } from "@jest/globals";
+import {
+  ALLOWED_TRANSITIONS,
+  ROLE_FOR_TRANSITION,
+  SOD_REQUIRED_TRANSITIONS,
+  TRANSACTION_STATES,
+  canTransition,
+} from "../../src/types/transactionState";
+
+describe("Transaction state machine (architecture note §8–§9)", () => {
+  it("declares the 12 states from §8.1", () => {
+    expect(TRANSACTION_STATES).toEqual([
+      "DRAFT",
+      "INITIATED",
+      "PRECONDITIONS_PENDING",
+      "READY_FOR_PREPARE",
+      "PREPARED",
+      "EXECUTING",
+      "PARTIALLY_EXECUTED",
+      "VALIDATING",
+      "COMMITTED",
+      "ABORTED",
+      "UNWIND_PENDING",
+      "CLOSED",
+    ]);
+  });
+
+  describe("§9.1 permitted high-level transitions", () => {
+    // Each of these is listed in the note; canTransition must accept them.
+    const legal: Array<[string, string]> = [
+      ["DRAFT", "INITIATED"],
+      ["INITIATED", "PRECONDITIONS_PENDING"],
+      ["PRECONDITIONS_PENDING", "READY_FOR_PREPARE"],
+      ["READY_FOR_PREPARE", "PREPARED"],
+      ["PREPARED", "EXECUTING"],
+      ["EXECUTING", "PARTIALLY_EXECUTED"],
+      ["EXECUTING", "VALIDATING"],
+      ["PARTIALLY_EXECUTED", "VALIDATING"],
+      ["VALIDATING", "COMMITTED"],
+      ["VALIDATING", "ABORTED"],
+      ["ABORTED", "UNWIND_PENDING"],
+      ["COMMITTED", "CLOSED"],
+      ["UNWIND_PENDING", "CLOSED"],
+    ];
+    it.each(legal)("allows %s -> %s", (from, to) => {
+      expect(canTransition(from as any, to as any)).toBe(true);
+    });
+
+    // A few illegal edges — explicitly not in §9.1.
+    const illegal: Array<[string, string]> = [
+      ["DRAFT", "COMMITTED"],
+      ["INITIATED", "EXECUTING"],
+      ["CLOSED", "INITIATED"],
+      ["PREPARED", "COMMITTED"],
+      ["COMMITTED", "ABORTED"],
+      ["ABORTED", "COMMITTED"],
+    ];
+    it.each(illegal)("rejects %s -> %s", (from, to) => {
+      expect(canTransition(from as any, to as any)).toBe(false);
+    });
+  });
+
+  it("CLOSED is a terminal state", () => {
+    expect(ALLOWED_TRANSITIONS.CLOSED).toEqual([]);
+  });
+
+  describe("segregation-of-duties checkpoints (§13)", () => {
+    it("flags the four SoD-gated transitions", () => {
+      expect([...SOD_REQUIRED_TRANSITIONS].sort()).toEqual(
+        [
+          "ABORTED->UNWIND_PENDING",
+          "PREPARED->EXECUTING",
+          "READY_FOR_PREPARE->PREPARED",
+          "VALIDATING->COMMITTED",
+        ].sort(),
+      );
+    });
+
+    it("assigns a role to every SoD-gated transition", () => {
+      for (const key of SOD_REQUIRED_TRANSITIONS) {
+        expect(ROLE_FOR_TRANSITION[key]).toBeDefined();
+      }
+    });
+  });
+});

package.json

@@ -0,0 +1,35 @@
+{
+  "name": "transaction-builder",
+  "private": true,
+  "version": "0.0.0",
+  "type": "module",
+  "scripts": {
+    "dev": "vite",
+    "build": "tsc -b && vite build",
+    "lint": "eslint .",
+    "preview": "vite preview"
+  },
+  "dependencies": {
+    "@xyflow/react": "^12.10.2",
+    "ethers": "^6.16.0",
+    "lucide-react": "^1.8.0",
+    "playwright": "^1.59.1",
+    "react": "^19.2.4",
+    "react-dom": "^19.2.4",
+    "react-router-dom": "^7.14.1"
+  },
+  "devDependencies": {
+    "@eslint/js": "^9.39.4",
+    "@types/node": "^24.12.2",
+    "@types/react": "^19.2.14",
+    "@types/react-dom": "^19.2.3",
+    "@vitejs/plugin-react": "^6.0.1",
+    "eslint": "^9.39.4",
+    "eslint-plugin-react-hooks": "^7.0.1",
+    "eslint-plugin-react-refresh": "^0.5.2",
+    "globals": "^17.4.0",
+    "typescript": "~6.0.2",
+    "typescript-eslint": "^8.58.0",
+    "vite": "^8.0.4"
+  }
+}

public/icons.svg

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+</svg>

scripts/deployment/.env.prod.example

@@ -0,0 +1,80 @@
+# CurrenciCombo orchestrator production env (Phoenix CT 8604 / any systemd host)
+#
+# Installed by scripts/deployment/install.sh to:
+#   /etc/currencicombo/orchestrator.env
+#
+# Loaded by the currencicombo-orchestrator.service systemd unit via
+# EnvironmentFile=. Values that are committed here are safe defaults;
+# secrets are left blank and must be set before first boot.
+#
+# The portal is a statically built SPA (nginx), so it takes NO runtime env.
+# Any VITE_* vars needed at build time are baked into dist/ by
+# scripts/deployment/deploy-currencicombo-8604.sh before the rsync.
+
+############################################################
+# Server
+############################################################
+NODE_ENV=production
+PORT=8080
+# Bind to loopback only when behind NPMplus on the same host; bind
+# 0.0.0.0 if NPMplus is on a different host (the CT 8604 case, so 0.0.0.0).
+HOST=0.0.0.0
+
+############################################################
+# Postgres (local to the CT per install.sh)
+############################################################
+DATABASE_URL=postgresql://currencicombo:replace-me-on-install@127.0.0.1:5432/currencicombo
+
+############################################################
+# Redis (local to the CT per install.sh)
+############################################################
+REDIS_URL=redis://127.0.0.1:6379
+
+############################################################
+# Event bus signing (REQUIRED). install.sh generates this on first run
+# via `openssl rand -hex 32` unless the file already exists.
+############################################################
+EVENT_SIGNING_SECRET=
+
+############################################################
+# API keys per role (REQUIRED). install.sh generates three random
+# initiator/settler/auditor keys on first run unless set.
+# Format: key1:role1,key2:role2,...
+############################################################
+API_KEYS=
+
+############################################################
+# Chain 138 — resolves EXT-CHAIN138-CI-RPC (already resolved).
+############################################################
+CHAIN_138_RPC_URL=https://rpc.public-0138.defi-oracle.io
+CHAIN_138_CHAIN_ID=138
+
+# Leave empty to run mock notary. Populate after running
+# `contracts/scripts/deploy-notary-registry.ts` once.
+NOTARY_REGISTRY_ADDRESS=
+# Leave empty to run mock notary. Otherwise 0x-prefixed 32-byte hex.
+ORCHESTRATOR_PRIVATE_KEY=
+
+############################################################
+# External dependency blockers (leave blank → mock fallback + EXT-* log)
+# These are the exact IDs that the Proxmox
+# scripts/verify/check-external-dependencies.sh gate knows about.
+############################################################
+
+# EXT-DBIS-CORE — set when dbis_core is deployed and reachable.
+DBIS_CORE_URL=
+
+# EXT-FIN-GATEWAY — set when a real Alliance Access / FIN gateway is
+# provisioned. Leave blank to use PR R's in-process sandbox.
+FIN_SANDBOX_URL=
+
+# EXT-CC-* — the following four blockers are upstream-scaffold repos
+# (cc-payment-adapters, cc-audit-ledger, cc-shared-events,
+# cc-shared-schemas). They cannot be resolved from this repo; no
+# env var flips them. The orchestrator logs EXT-CC-* as active on boot.
+
+# Identity + controls matrix (not a blocker IDs per se — they ship
+# today via the cc-identity-core and cc-compliance-controls adapters
+# merged in PR V/W). Blank keeps the embedded v0 matrix + mock identity.
+CC_IDENTITY_URL=
+CC_CONTROLS_MATRIX_URL=

scripts/deployment/README.md

@@ -0,0 +1,254 @@
+# CurrenciCombo — Phoenix / systemd deployment
+
+This directory holds everything needed to deploy CurrenciCombo onto a
+systemd host — starting with Phoenix CT 8604 on `r630-01`, but any
+Debian/Ubuntu (or Alpine) host with Postgres + Redis available works.
+
+The files here are **target-agnostic**. They hardcode no IPs, hostnames,
+or VLANs. Environment-specific values — `curucombo.曼李.com`, the
+`10.160.0.14` VIP, the NPMplus reverse proxy — are applied at the
+edge (NPMplus) and at `/etc/currencicombo/orchestrator.env`, never in
+the repo.
+
+## Architecture on CT 8604
+
+```
+                                   ┌────────────────────┐
+   curucombo.曼李.com  ──▶ NPMplus │192.168.11.167      │
+   (Cloudflare-proxied)            │ TLS terminates here│
+                                   └─────────┬──────────┘
+                                             │
+                      ┌──────────────────────┴──────────────────────┐
+                      │                                             │
+                      ▼                                             ▼
+       curucombo.曼李.com/* (default)                   curucombo.曼李.com/api/*
+                                                (incl. SSE /api/plans/*/events/stream)
+                      │                                             │
+             CT 8604  │10.160.0.14:3000                    CT 8604  │10.160.0.14:8080
+                      ▼                                             ▼
+       ┌─────────────────────────────┐               ┌─────────────────────────────┐
+       │ currencicombo-webapp.service │               │ currencicombo-orchestrator  │
+       │  nginx → /opt/currencicombo/ │               │  .service (systemd)          │
+       │          webapp/dist/        │               │  node dist/index.js          │
+       └─────────────────────────────┘               │  env /etc/currencicombo/     │
+                                                      │       orchestrator.env       │
+                                                      └──────────────┬──────────────┘
+                                                                     │
+                                                                     ▼
+                                                 postgresql + redis (same CT, local)
+```
+
+## Files
+
+| path | purpose |
+|---|---|
+| `systemd/currencicombo-orchestrator.service` | Node orchestrator, reads `/etc/currencicombo/orchestrator.env` |
+| `systemd/currencicombo-webapp.service` | nginx serving the Vite SPA on `:3000` |
+| `webapp-nginx.conf` | full nginx.conf for the webapp unit |
+| `.env.prod.example` | env template installed to `/etc/currencicombo/orchestrator.env` |
+| `install.sh` | one-shot host setup: user / dirs / DB role / systemd units / first-run key handoff file |
+| `install-prune-cron.sh` | opt-in daily cron that prunes `/var/lib/currencicombo/backups/` (30-day retention, keep-min 5) |
+| `deploy-currencicombo-8604.sh` | build-and-swap deploy driver (the script Phoenix/proxmox deploy-api calls) |
+| `README.md` | you're reading it |
+
+## First-time setup on CT 8604
+
+All commands run as **root** inside the CT.
+
+1. Ensure Postgres + Redis are installed and running:
+   ```
+   apt-get install -y postgresql redis-server
+   systemctl enable --now postgresql redis-server
+   ```
+2. Clone the repo into its staging location (once):
+   ```
+   install -d -o root -g root /var/lib/currencicombo
+   git clone https://gitea.d-bis.org/d-bis/CurrenciCombo.git /var/lib/currencicombo/repo
+   ```
+3. Run `install.sh` (creates user, DB, systemd units, env file):
+   ```
+   bash /var/lib/currencicombo/repo/scripts/deployment/install.sh
+   ```
+   On success you'll see:
+   ```
+   [install] generated EVENT_SIGNING_SECRET (64 hex)
+   [install] generated 3 API keys (initiator/settler/auditor)
+   [install] initial secrets written to /root/currencicombo-first-keys.txt (0600) — record in password manager, then 'shred -u /root/currencicombo-first-keys.txt'
+   [install] install complete.
+   ```
+   `install.sh` writes the three API keys + `EVENT_SIGNING_SECRET` to **two** places:
+   - `/etc/currencicombo/orchestrator.env` — canonical, read by systemd (`0640`, owned by `currencicombo`).
+   - `/root/currencicombo-first-keys.txt` — **root-only handoff file** (`0600`). Grab it once, record the values in your password manager, then `shred -u` it.
+   The handoff file is **not** regenerated on re-run — if `orchestrator.env` already exists, `install.sh` does not produce new secrets.
+4. (Optional) Install the backup-pruning cron:
+   ```
+   bash /var/lib/currencicombo/repo/scripts/deployment/install-prune-cron.sh
+   ```
+   Drops a `/etc/cron.daily/currencicombo-prune-backups` that deletes anything under `/var/lib/currencicombo/backups/` older than 30 days while **always keeping the newest 5** regardless of age. Safe on re-run; opt out with `sudo rm /etc/cron.daily/currencicombo-prune-backups`.
+5. If you need to resolve any `EXT-*` blocker (e.g. point at a real dbis_core), edit `/etc/currencicombo/orchestrator.env` before the first deploy.
+6. First build-and-start:
+   ```
+   bash /var/lib/currencicombo/repo/scripts/deployment/deploy-currencicombo-8604.sh
+   ```
+   Expected tail:
+   ```
+   [deploy] orchestrator ready: {"ready":true}
+   [deploy] portal OK (HTTP 200)
+   [deploy] EXT-* blocker summary from orchestrator boot log:
+              [ExternalBlockers] 6 active, 1 resolved
+              id: EXT-DBIS-CORE
+              id: EXT-CC-PAYMENT-ADAPTERS
+              ...
+              id: EXT-CHAIN138-CI-RPC  (resolved)
+   [deploy] deploy complete. ref=main sha=<short> ts=<timestamp>
+   ```
+
+## NPMplus ingress changes required at cutover
+
+`curucombo.曼李.com` today proxies 100% to `10.160.0.14:3000`. After
+cutover it must become a **single-origin path-routed proxy** with **two**
+rules (the SSE endpoint lives at `/api/plans/:id/events/stream`, so it's
+already under `/api/*` — no separate `/events/*` rule is needed):
+
+| location | upstream | proxy settings |
+|---|---|---|
+| `/api/*` | `http://10.160.0.14:8080` | **SSE-friendly settings apply here because the SSE route `/api/plans/:id/events/stream` is under /api/**. Use `proxy_pass http://10.160.0.14:8080;` with **no trailing slash** so `/api/...` reaches the orchestrator unchanged. Set: `proxy_http_version 1.1;`, `proxy_set_header Connection "";`, `proxy_buffering off;`, `proxy_cache off;`, `proxy_read_timeout 24h;`, `proxy_send_timeout 24h;`. Standard forwarding: `proxy_set_header Host $host;`, `X-Real-IP $remote_addr;`, `X-Forwarded-For $proxy_add_x_forwarded_for;`, `X-Forwarded-Proto $scheme;`. The slight overhead of `proxy_buffering off` on plain REST calls is negligible for this workload. |
+| `/` | `http://10.160.0.14:3000` | Vite SPA. Default upstream. No special settings. |
+
+If you skip the `/api/*` rule, the nginx in `webapp-nginx.conf`
+intentionally returns `HTTP 421` for that path — a clean "upstream is
+misconfigured" signal instead of silently returning `index.html` and
+breaking the browser with a JSON parse error.
+
+## Subsequent deploys
+
+Every deploy after the first is just:
+
+```
+sudo /var/lib/currencicombo/repo/scripts/deployment/deploy-currencicombo-8604.sh
+```
+
+Flags:
+- `--ref=<branch-or-sha>` — deploy something other than `main`.
+- `--dry-run` — print what would happen, don't touch anything.
+- `--skip-migrate` — hotfix deploys that don't change the schema.
+- `--skip-build` — reuse the build from the previous run (debugging only).
+- `--rollback` — restore the most recent `/var/lib/currencicombo/backups/<ts>/` and restart units. Does **not** git-pull or rebuild.
+
+Every deploy writes a timestamped backup to
+`/var/lib/currencicombo/backups/<YYYYmmdd-HHMMSS>/` before swapping. Pruning is opt-in via `install-prune-cron.sh` (30-day retention, keep-min 5). Without the cron, backups accumulate forever — quietly filling `/var/lib` is how the next outage starts.
+
+## Failure handling on deploy
+
+**Rollback is manual.** `deploy-currencicombo-8604.sh` **does not** auto-restore the previous backup if the orchestrator fails to become ready. First cutovers typically fail because of env typos or migration mistakes, and auto-restoring hides the failure state ops needs.
+
+Instead, on a readiness timeout the deploy script prints:
+- last 40 lines of `journalctl -u currencicombo-orchestrator`
+- last 20 lines of `journalctl -u currencicombo-webapp`
+- **the exact `--rollback` command with the specific backup path filled in**
+
+Example tail on failure:
+```
+================================================================
+DEPLOY FAILED: orchestrator did not become ready after 60s
+================================================================
+
+## currencicombo-orchestrator (last 40 lines):
+... env validation error: EVENT_SIGNING_SECRET is required ...
+
+## Units are in whatever state deploy left them. To restore
+## the previous build (does NOT revert DB migrations):
+
+    sudo /var/lib/currencicombo/repo/scripts/deployment/deploy-currencicombo-8604.sh --rollback
+    # (will restore /var/lib/currencicombo/backups/20260423-140215)
+
+================================================================
+```
+
+Rollback one-liner (when ops has decided to restore):
+```
+sudo /var/lib/currencicombo/repo/scripts/deployment/deploy-currencicombo-8604.sh --rollback
+```
+
+Rollback restores the most recent backup and restarts both units. It **does not** touch the DB. If the failed deploy applied a new migration, DB rollback is a manual `psql` task — the orchestrator's migration runner only emits `up()` paths.
+
+## Post-cutover smoke checks through NPMplus
+
+Once the NPMplus `/api/*` rule is live, from a workstation (not the CT):
+
+```
+# 1. Front-door TLS is healthy
+curl -skI https://curucombo.xn--vov0g.com/ | head -3
+#   expect: HTTP/2 200
+#   expect: NO 'x-nextjs-prerender' header (that was the old Next.js build)
+
+# 2. SPA is the new Vite portal
+curl -sk https://curucombo.xn--vov0g.com/ | grep -oE '<title>[^<]+</title>'
+#   expect: <title>Solace Bank Group PLC — Treasury Management Portal</title>
+
+# 3. Orchestrator ready through NPMplus
+curl -sk https://curucombo.xn--vov0g.com/api/ready | head -1
+#   expect: {"ready":true}   (not HTML)
+
+# 4. Orchestrator blocker log (through CT shell, not NPMplus)
+ssh root@10.160.0.14 'journalctl -u currencicombo-orchestrator -n 200 | grep -E "ExternalBlockers|EXT-"'
+#   expect: [ExternalBlockers] 6 active, 1 resolved
+#   expect: one line per EXT-* id
+
+# 5. SSE actually streams (catches silent NPMplus proxy_buffering=on misconfig)
+curl -sk -N --max-time 5 -H 'Accept: text/event-stream' \
+  https://curucombo.xn--vov0g.com/api/plans/demo-pay-014/events/stream \
+  | head -20 || true
+#   expect: HTTP/2 200 with Content-Type: text/event-stream
+#   expect: at least one 'data: {...}\n\n' frame to arrive WITHIN ~1s
+#   if you see nothing for 3-5s and then everything dumps at once:
+#     NPMplus has proxy_buffering=on. Fix: proxy_buffering off; proxy_http_version 1.1; proxy_set_header Connection "";
+#   if the ping is 401/403: expected — SSE is auth-gated; the point is to
+#     prove the request REACHED the orchestrator (content-type header +
+#     chunked response headers) rather than hitting the Vite SPA.
+```
+
+A plain `HTTP/2 200` with a `Content-Type: text/html` body on `/api/ready` means NPMplus is silently falling back to the `/` rule — the `/api/*` rule is missing or ordered wrong. The `webapp-nginx.conf` in this repo returns `HTTP 421` for `/api/*` to make that case obvious when debugging CT-locally, but at the NPMplus edge nginx serves whatever NPMplus routes to it.
+
+## Troubleshooting
+
+| symptom | cause / check |
+|---|---|
+| `/api/*` returns `421 NPMplus is misconfigured` | NPMplus `/api/*` rule missing or wrong upstream. |
+| `/events/*` connects then disconnects after ~60s | NPMplus forgot `proxy_buffering off` + high `proxy_read_timeout`. |
+| orchestrator unit enters `activating (auto-restart)` loop | `journalctl -u currencicombo-orchestrator -n 80` — usually a zod env-validation error. The boot-time assertion message names the missing/invalid var. |
+| orchestrator boot log says `[ExternalBlockers] N active` where N > 6 | you added an `EXT-*` env var without also updating the central registry in `orchestrator/src/config/externalBlockers.ts`. |
+| `/health` returns 503 but `/ready` is 200 | memory `critical` is a separate signal from readiness. Inspect CT memory; this happens on constrained builders and is not a deploy bug. |
+| portal page loads but MetaMask login does nothing | the portal couldn't reach `/api/auth/*`. Walk back up the NPMplus rule chain. |
+
+## Cutting over from the pre-existing Next.js build
+
+Phoenix previously had an older Next.js "ISO-20022 Combo Flow" app in
+`/opt/currencicombo/webapp`. The cutover sequence on CT 8604 is:
+
+1. **Backup the old install** out-of-band:
+   ```
+   tar czf /root/currencicombo-preRepo-$(date +%s).tgz /opt/currencicombo /etc/currencicombo 2>/dev/null || true
+   ```
+2. **Disable the pre-existing systemd units** (they're the same names but point at the old tree):
+   ```
+   systemctl stop currencicombo-webapp currencicombo-orchestrator
+   systemctl disable currencicombo-webapp currencicombo-orchestrator
+   ```
+3. Run `install.sh` (writes the new units, new nginx, new env). On an already-set-up host this is idempotent: it preserves `/etc/currencicombo/orchestrator.env` if it already exists.
+4. Run `deploy-currencicombo-8604.sh`.
+5. Apply the NPMplus `/api` + `/` path rules.
+6. Smoke from outside the CT: `curl -skI https://curucombo.xn--vov0g.com/ && curl -sk https://curucombo.xn--vov0g.com/api/ready`.
+
+## Proxmox-side follow-up (not in this PR)
+
+After this PR merges and the above cutover runs cleanly, the
+`/home/intlc/projects/proxmox` repo needs a separate commit to:
+
+- Update `phoenix-deploy-api/deploy-targets.json` to point at:
+  - repo: `d-bis/CurrenciCombo`
+  - branch: `main`
+  - target: `default`
+  - deploy entrypoint: `scripts/deployment/deploy-currencicombo-8604.sh`
+- Remove any stale `/opt/currencicombo/webapp` Next.js references.
+- Drop any description of `ignoreBuildErrors: true` in `webapp/next.config.ts` — the new webapp is Vite+tsc-strict, no build-error suppression.

scripts/deployment/deploy-currencicombo-8604.sh

@@ -0,0 +1,236 @@
+#!/usr/bin/env bash
+# deploy-currencicombo-8604.sh — build-and-swap deploy for CurrenciCombo.
+#
+# Runs on a systemd host that has already had `install.sh` applied once.
+# This is the script referenced by the Proxmox repo's
+# `phoenix-deploy-api/deploy-targets.json` tuple
+#   (repo=d-bis/CurrenciCombo, branch=main, target=default).
+#
+# Steps (each idempotent, each can be --dry-run'd):
+#   1. git clone/pull /var/lib/currencicombo/repo to the target ref.
+#   2. Build orchestrator (npm ci + npm run build).
+#   3. Build portal/webapp (npm ci + npm run build), baking
+#      VITE_ORCHESTRATOR_URL into the bundle.
+#   4. Run DB migrations (npm run migrate in orchestrator/).
+#   5. Stop systemd units.
+#   6. rsync build output into /opt/currencicombo/{orchestrator,webapp}.
+#   7. Start systemd units.
+#   8. Smoke-test /ready + portal / + print EXT-* blocker summary.
+#
+# Rollback: `--rollback` restores the previous backup under
+# /var/lib/currencicombo/backups/<timestamp>.
+#
+# CT 8604 is in the filename for ops-grep-ability; the script itself is
+# host-agnostic. Override paths via env vars if you run it elsewhere.
+
+set -euo pipefail
+
+# ----- defaults (override via env) ------------------------------------
+: "${CC_GIT_REMOTE:=https://gitea.d-bis.org/d-bis/CurrenciCombo.git}"
+: "${CC_GIT_REF:=main}"
+: "${CC_REPO_DIR:=/var/lib/currencicombo/repo}"
+: "${CC_APP_HOME:=/opt/currencicombo}"
+: "${CC_BACKUP_DIR:=/var/lib/currencicombo/backups}"
+: "${CC_USER:=currencicombo}"
+
+# Portal build-time env. The NPMplus ingress path-routes /api/* and
+# /events/* to the orchestrator, so same-origin works.
+: "${VITE_ORCHESTRATOR_URL:=https://curucombo.xn--vov0g.com}"
+
+: "${ORCHESTRATOR_UNIT:=currencicombo-orchestrator.service}"
+: "${WEBAPP_UNIT:=currencicombo-webapp.service}"
+
+: "${CC_HEALTH_URL:=http://127.0.0.1:8080/ready}"
+: "${CC_PORTAL_URL:=http://127.0.0.1:3000/}"
+: "${CC_HEALTH_TIMEOUT_SECS:=60}"
+
+# ----- flags ----------------------------------------------------------
+DRY_RUN=0
+SKIP_MIGRATE=0
+SKIP_BUILD=0
+DO_ROLLBACK=0
+
+usage() {
+  cat <<'USAGE'
+Usage: sudo ./deploy-currencicombo-8604.sh [flags]
+
+Flags:
+  --ref=<git-ref>          Override CC_GIT_REF (default: main)
+  --dry-run                Print commands, don't run them
+  --skip-migrate           Skip `npm run migrate` step (use for hotfix
+                           deploys where schema hasn't changed)
+  --skip-build             Reuse the existing build in CC_REPO_DIR/dist
+                           (useful after `--dry-run --skip-build=no` from
+                           the previous run)
+  --rollback               Restore the most recent backup and restart.
+                           Does not run git/build/migrate.
+  -h, --help               This help
+
+Env overrides:
+  CC_GIT_REMOTE, CC_GIT_REF, CC_REPO_DIR, CC_APP_HOME, CC_BACKUP_DIR,
+  CC_USER, VITE_ORCHESTRATOR_URL, ORCHESTRATOR_UNIT, WEBAPP_UNIT,
+  CC_HEALTH_URL, CC_PORTAL_URL, CC_HEALTH_TIMEOUT_SECS
+USAGE
+}
+
+while [[ $# -gt 0 ]]; do
+  case "$1" in
+    --ref=*)        CC_GIT_REF="${1#*=}"; shift ;;
+    --dry-run)      DRY_RUN=1; shift ;;
+    --skip-migrate) SKIP_MIGRATE=1; shift ;;
+    --skip-build)   SKIP_BUILD=1; shift ;;
+    --rollback)     DO_ROLLBACK=1; shift ;;
+    -h|--help)      usage; exit 0 ;;
+    *)              echo "unknown arg: $1" >&2; usage; exit 2 ;;
+  esac
+done
+
+log()   { printf '[deploy] %s\n' "$*" >&2; }
+warn()  { printf '[deploy][WARN] %s\n' "$*" >&2; }
+die()   { printf '[deploy][FATAL] %s\n' "$*" >&2; exit 1; }
+run()   { if [[ "${DRY_RUN}" -eq 1 ]]; then printf '[deploy][dry-run] %s\n' "$*" >&2; else eval "$*"; fi; }
+runcc() { if [[ "${DRY_RUN}" -eq 1 ]]; then printf '[deploy][dry-run][as %s] %s\n' "${CC_USER}" "$*" >&2; else sudo -u "${CC_USER}" -H bash -lc "$*"; fi; }
+
+[[ "$EUID" -eq 0 ]] || die "must run as root (sudo)"
+
+# ----- rollback fast-path ---------------------------------------------
+if [[ "${DO_ROLLBACK}" -eq 1 ]]; then
+  LATEST="$(ls -1dt "${CC_BACKUP_DIR}"/* 2>/dev/null | head -1 || true)"
+  [[ -n "${LATEST}" ]] || die "no backup under ${CC_BACKUP_DIR}"
+  log "rolling back to ${LATEST}"
+  run "systemctl stop '${WEBAPP_UNIT}' '${ORCHESTRATOR_UNIT}'"
+  run "rsync -a --delete '${LATEST}/orchestrator/' '${CC_APP_HOME}/orchestrator/'"
+  run "rsync -a --delete '${LATEST}/webapp/' '${CC_APP_HOME}/webapp/'"
+  run "systemctl start '${ORCHESTRATOR_UNIT}' '${WEBAPP_UNIT}'"
+  log "rollback applied. systemctl status ${ORCHESTRATOR_UNIT} to verify."
+  exit 0
+fi
+
+# ----- 1. git ---------------------------------------------------------
+run "install -d -o '${CC_USER}' -g '${CC_USER}' -m 0755 '${CC_REPO_DIR}'"
+run "chown -R '${CC_USER}:${CC_USER}' '${CC_REPO_DIR}'"
+
+if [[ ! -d "${CC_REPO_DIR}/.git" && "${CC_GIT_REF}" != "local" ]]; then
+  log "cloning ${CC_GIT_REMOTE} → ${CC_REPO_DIR}"
+  runcc "git clone '${CC_GIT_REMOTE}' '${CC_REPO_DIR}'"
+fi
+if [[ -d "${CC_REPO_DIR}/.git" && "${CC_GIT_REF}" != "local" ]]; then
+  runcc "cd '${CC_REPO_DIR}' && git fetch --prune origin"
+  runcc "cd '${CC_REPO_DIR}' && git reset --hard 'origin/${CC_GIT_REF}'"
+  REF_SHA="$(sudo -u "${CC_USER}" git -C "${CC_REPO_DIR}" rev-parse --short HEAD 2>/dev/null || echo unknown)"
+  log "repo at ${CC_GIT_REF} = ${REF_SHA}"
+else
+  REF_SHA="local"
+  log "using staged local workspace from ${CC_REPO_DIR}"
+fi
+
+# ----- 2. orchestrator build -----------------------------------------
+if [[ "${SKIP_BUILD}" -eq 0 ]]; then
+  log "building orchestrator"
+  if [[ -f "${CC_REPO_DIR}/orchestrator/package-lock.json" ]]; then
+    runcc "cd '${CC_REPO_DIR}/orchestrator' && npm ci --no-audit --no-fund"
+  else
+    runcc "cd '${CC_REPO_DIR}/orchestrator' && npm install --no-audit --no-fund"
+  fi
+  runcc "cd '${CC_REPO_DIR}/orchestrator' && npm run build"
+  log "building portal (VITE_ORCHESTRATOR_URL=${VITE_ORCHESTRATOR_URL})"
+  runcc "cd '${CC_REPO_DIR}' && npm ci --include=optional --no-audit --no-fund || npm ci --include=optional --force --no-audit --no-fund"
+  runcc "cd '${CC_REPO_DIR}' && VITE_ORCHESTRATOR_URL='${VITE_ORCHESTRATOR_URL}' npm run build"
+else
+  log "skipping builds (--skip-build)"
+fi
+
+# ----- 3. migrations --------------------------------------------------
+if [[ "${SKIP_MIGRATE}" -eq 0 ]]; then
+  log "running DB migrations"
+  runcc "cd '${CC_REPO_DIR}/orchestrator' && npm run migrate"
+else
+  log "skipping migrations (--skip-migrate)"
+fi
+
+# ----- 4. backup previous install ------------------------------------
+TS="$(date +%Y%m%d-%H%M%S)"
+BACKUP="${CC_BACKUP_DIR}/${TS}"
+if [[ -d "${CC_APP_HOME}/orchestrator/dist" || -d "${CC_APP_HOME}/webapp/dist" ]]; then
+  log "backing up current install → ${BACKUP}"
+  run "install -d -o root -g root -m 0700 '${BACKUP}/orchestrator' '${BACKUP}/webapp'"
+  run "rsync -a '${CC_APP_HOME}/orchestrator/' '${BACKUP}/orchestrator/'"
+  run "rsync -a '${CC_APP_HOME}/webapp/' '${BACKUP}/webapp/'"
+fi
+
+# ----- 5. stop units --------------------------------------------------
+log "stopping systemd units"
+run "systemctl stop '${WEBAPP_UNIT}' || true"
+run "systemctl stop '${ORCHESTRATOR_UNIT}' || true"
+
+# ----- 6. swap in new build ------------------------------------------
+log "rsyncing new build into ${CC_APP_HOME}"
+# Orchestrator: dist/ + node_modules/ + package.json + package-lock.json
+runcc "rsync -a --delete '${CC_REPO_DIR}/orchestrator/dist/'         '${CC_APP_HOME}/orchestrator/dist/'"
+runcc "rsync -a            '${CC_REPO_DIR}/orchestrator/node_modules/' '${CC_APP_HOME}/orchestrator/node_modules/'"
+runcc "cp '${CC_REPO_DIR}/orchestrator/package.json'      '${CC_APP_HOME}/orchestrator/package.json'"
+runcc "if [[ -f '${CC_REPO_DIR}/orchestrator/package-lock.json' ]]; then cp '${CC_REPO_DIR}/orchestrator/package-lock.json' '${CC_APP_HOME}/orchestrator/package-lock.json'; else rm -f '${CC_APP_HOME}/orchestrator/package-lock.json'; fi"
+# Webapp: dist/
+runcc "rsync -a --delete '${CC_REPO_DIR}/dist/' '${CC_APP_HOME}/webapp/dist/'"
+
+# ----- 7. start units ------------------------------------------------
+log "starting systemd units"
+run "systemctl start '${ORCHESTRATOR_UNIT}'"
+run "systemctl start '${WEBAPP_UNIT}'"
+
+# ----- 8. smoke -------------------------------------------------------
+if [[ "${DRY_RUN}" -eq 1 ]]; then
+  log "dry-run: skipping smoke test"
+  exit 0
+fi
+
+log "waiting up to ${CC_HEALTH_TIMEOUT_SECS}s for orchestrator ${CC_HEALTH_URL}"
+SECS=0
+until curl -sfL --max-time 3 "${CC_HEALTH_URL}" >/dev/null 2>&1; do
+  SECS=$((SECS + 2))
+  if [[ "${SECS}" -ge "${CC_HEALTH_TIMEOUT_SECS}" ]]; then
+    # Loud failure summary. Deliberately does NOT auto-rollback — first
+    # cutovers often fail because of env/migration mistakes, and
+    # auto-restoring the old build hides the failure state ops needs to
+    # diagnose. Print the exact --rollback command with the specific
+    # backup path filled in, so it's one copy-paste away if desired.
+    {
+      echo
+      echo "================================================================"
+      echo "DEPLOY FAILED: orchestrator did not become ready after ${CC_HEALTH_TIMEOUT_SECS}s"
+      echo "================================================================"
+      echo
+      echo "## currencicombo-orchestrator (last 40 lines):"
+      journalctl -u "${ORCHESTRATOR_UNIT}" -n 40 --no-pager 2>&1 || echo "(journalctl unavailable)"
+      echo
+      echo "## currencicombo-webapp (last 20 lines):"
+      journalctl -u "${WEBAPP_UNIT}" -n 20 --no-pager 2>&1 || echo "(journalctl unavailable)"
+      echo
+      echo "## Units are in whatever state deploy left them. To restore"
+      echo "## the previous build (does NOT revert DB migrations):"
+      echo
+      if [[ -n "${BACKUP:-}" && -d "${BACKUP}" ]]; then
+        echo "    sudo $0 --rollback"
+        echo "    # (will restore ${BACKUP})"
+      else
+        echo "    # No backup was taken (first deploy). Manual recovery required."
+      fi
+      echo
+      echo "================================================================"
+    } >&2
+    exit 1
+  fi
+  sleep 2
+done
+log "orchestrator ready: $(curl -sf "${CC_HEALTH_URL}")"
+
+log "probing portal ${CC_PORTAL_URL}"
+PORTAL_CODE="$(curl -s -o /dev/null -w '%{http_code}' "${CC_PORTAL_URL}" || echo ERR)"
+[[ "${PORTAL_CODE}" =~ ^2 ]] || die "portal returned HTTP ${PORTAL_CODE}"
+log "portal OK (HTTP ${PORTAL_CODE})"
+
+log "EXT-* blocker summary from orchestrator boot log:"
+journalctl -u "${ORCHESTRATOR_UNIT}" --no-pager -n 200 \
+  | grep -E 'ExternalBlockers|EXT-[A-Z0-9-]+' | tail -20 || true
+
+log "deploy complete. ref=${CC_GIT_REF} sha=${REF_SHA} ts=${TS}"

scripts/deployment/install-prune-cron.sh

@@ -0,0 +1,102 @@
+#!/usr/bin/env bash
+# install-prune-cron.sh — opt-in cron job to prune old deploy backups.
+#
+# Run ONCE as root (or with sudo) after install.sh to enable daily
+# pruning of /var/lib/currencicombo/backups/. The pruner:
+#   - deletes entries older than 30 days
+#   - ALWAYS keeps the newest N backups regardless of age (default 5)
+#
+# No-op on re-run. Opt out by removing /etc/cron.daily/currencicombo-prune-backups.
+
+set -euo pipefail
+
+BACKUP_DIR="${CC_BACKUP_DIR:-/var/lib/currencicombo/backups}"
+RETAIN_DAYS="${CC_BACKUP_RETAIN_DAYS:-30}"
+KEEP_MIN="${CC_BACKUP_KEEP_MIN:-5}"
+CRON_FILE="/etc/cron.daily/currencicombo-prune-backups"
+DRY_RUN=0
+
+while [[ $# -gt 0 ]]; do
+  case "$1" in
+    --dry-run) DRY_RUN=1; shift ;;
+    -h|--help)
+      cat <<'USAGE'
+Usage: sudo ./install-prune-cron.sh [--dry-run]
+
+Env overrides:
+  CC_BACKUP_DIR         (default: /var/lib/currencicombo/backups)
+  CC_BACKUP_RETAIN_DAYS (default: 30)
+  CC_BACKUP_KEEP_MIN    (default: 5)
+USAGE
+      exit 0 ;;
+    *) echo "unknown arg: $1" >&2; exit 2 ;;
+  esac
+done
+
+log()  { printf '[install-prune-cron] %s\n' "$*" >&2; }
+die()  { printf '[install-prune-cron][FATAL] %s\n' "$*" >&2; exit 1; }
+
+[[ "$EUID" -eq 0 ]] || die "must run as root (sudo)"
+
+# The pruner script body. Runs daily via cron.daily.
+# KEEP_MIN is enforced by listing backups newest-first, skipping the
+# first KEEP_MIN, then deleting any remaining entries older than
+# RETAIN_DAYS. This means we always keep at least KEEP_MIN (even if
+# they're all <30 days old), and never delete one of the newest
+# KEEP_MIN (even if it's >30 days old on a dormant host).
+read -r -d '' PRUNER_BODY <<PRUNER || true
+#!/usr/bin/env bash
+# Managed by scripts/deployment/install-prune-cron.sh. Edits overwritten
+# on next install. Opt out by deleting this file.
+set -euo pipefail
+
+BACKUP_DIR="${BACKUP_DIR}"
+RETAIN_DAYS=${RETAIN_DAYS}
+KEEP_MIN=${KEEP_MIN}
+
+[[ -d "\$BACKUP_DIR" ]] || exit 0
+
+cd "\$BACKUP_DIR"
+mapfile -t all < <(find . -mindepth 1 -maxdepth 1 -type d -printf '%T@ %p\n' 2>/dev/null | sort -rn | awk '{print \$2}')
+
+count=\${#all[@]}
+if (( count <= KEEP_MIN )); then
+  logger -t currencicombo-prune "count=\$count <= KEEP_MIN=\$KEEP_MIN; nothing to prune"
+  exit 0
+fi
+
+cutoff=\$(date -d "\$RETAIN_DAYS days ago" +%s)
+deleted=0
+kept=0
+for i in "\${!all[@]}"; do
+  p="\${all[\$i]}"
+  if (( i < KEEP_MIN )); then
+    kept=\$((kept + 1))
+    continue
+  fi
+  mtime=\$(stat -c %Y "\$p" 2>/dev/null || echo 0)
+  if (( mtime < cutoff )); then
+    rm -rf -- "\$p"
+    deleted=\$((deleted + 1))
+  else
+    kept=\$((kept + 1))
+  fi
+done
+logger -t currencicombo-prune "deleted=\$deleted kept=\$kept total_before=\$count"
+PRUNER
+
+if [[ "${DRY_RUN}" -eq 1 ]]; then
+  log "[dry-run] would write ${CRON_FILE} (0755) with pruner targeting ${BACKUP_DIR}, retain ${RETAIN_DAYS}d, keep-min ${KEEP_MIN}"
+  echo "---"
+  echo "${PRUNER_BODY}"
+  echo "---"
+  exit 0
+fi
+
+printf '%s\n' "${PRUNER_BODY}" > "${CRON_FILE}"
+chmod 0755 "${CRON_FILE}"
+chown root:root "${CRON_FILE}"
+
+log "installed ${CRON_FILE} (backups older than ${RETAIN_DAYS}d, keep-min ${KEEP_MIN}, target ${BACKUP_DIR})"
+log "runs daily via /etc/cron.daily/. Opt out: sudo rm ${CRON_FILE}"
+log "logs to syslog (tag currencicombo-prune); journalctl -t currencicombo-prune"

scripts/deployment/install.sh

@@ -0,0 +1,252 @@
+#!/usr/bin/env bash
+# install.sh — idempotent first-time setup for CurrenciCombo on a systemd host.
+#
+# Intended to run ONCE per host as root (or with sudo). Running it again is
+# safe: it will skip already-present artifacts and warn on conflicts.
+#
+# What this does:
+#   1. Creates the `currencicombo` system user and /opt/currencicombo tree.
+#   2. Installs nginx (Debian/Ubuntu or Alpine) if not present.
+#   3. Ensures a local Postgres is running and creates a fresh
+#      `currencicombo` role + DB (refuses to touch an existing one unless
+#      --force-recreate is passed).
+#   4. Ensures a local Redis is running.
+#   5. Writes /etc/currencicombo/orchestrator.env from .env.prod.example,
+#      auto-populating EVENT_SIGNING_SECRET and ORCHESTRATOR_API_KEYS with
+#      fresh randoms the first time.
+#   6. Installs /etc/currencicombo/webapp-nginx.conf.
+#   7. Installs the two systemd units and runs `systemctl daemon-reload`.
+#   8. Enables (does NOT start) both units. First start happens via
+#      scripts/deployment/deploy-currencicombo-8604.sh after the first
+#      successful build.
+#
+# This script is target-agnostic. It has no hardcoded IP / hostname /
+# VLAN. The NPMplus ingress in front of it is configured separately —
+# see scripts/deployment/README.md.
+
+set -euo pipefail
+
+SCRIPT_DIR="$( cd "$( dirname "${BASH_SOURCE[0]}" )" && pwd )"
+APP_USER="currencicombo"
+APP_HOME="/opt/currencicombo"
+ETC_DIR="/etc/currencicombo"
+LOG_DIR="/var/log/currencicombo"
+REPO_DIR="/var/lib/currencicombo/repo"
+ENV_FILE="${ETC_DIR}/orchestrator.env"
+NGINX_FILE="${ETC_DIR}/webapp-nginx.conf"
+SYSTEMD_DIR="/etc/systemd/system"
+
+FORCE_RECREATE_DB=0
+DRY_RUN=0
+SKIP_NGINX_INSTALL=0
+
+log()  { printf '[install] %s\n' "$*" >&2; }
+warn() { printf '[install][WARN] %s\n' "$*" >&2; }
+die()  { printf '[install][FATAL] %s\n' "$*" >&2; exit 1; }
+run()  { if [[ "${DRY_RUN}" -eq 1 ]]; then printf '[install][dry-run] %s\n' "$*" >&2; else eval "$*"; fi; }
+sql_escape() {
+  printf "%s" "$1" | sed "s/'/''/g"
+}
+
+usage() {
+  cat <<'USAGE'
+Usage: sudo ./install.sh [--force-recreate-db] [--skip-nginx-install] [--dry-run]
+
+  --force-recreate-db    DROP and recreate the currencicombo Postgres role
+                         and DB even if they already exist. DESTRUCTIVE.
+  --skip-nginx-install   Do not apt/apk install nginx (use if you already
+                         have a custom nginx build in place).
+  --dry-run              Print the commands that would run, don't run them.
+USAGE
+}
+
+while [[ $# -gt 0 ]]; do
+  case "$1" in
+    --force-recreate-db)  FORCE_RECREATE_DB=1; shift ;;
+    --skip-nginx-install) SKIP_NGINX_INSTALL=1; shift ;;
+    --dry-run)            DRY_RUN=1; shift ;;
+    -h|--help)            usage; exit 0 ;;
+    *)                    die "unknown arg: $1" ;;
+  esac
+done
+
+[[ "$EUID" -eq 0 ]] || die "must run as root (sudo)"
+
+# ----------------------------------------------------------------------
+# 1. User + tree
+# ----------------------------------------------------------------------
+if id "${APP_USER}" >/dev/null 2>&1; then
+  log "user ${APP_USER} already exists"
+else
+  log "creating system user ${APP_USER}"
+  run useradd --system --home-dir "${APP_HOME}" --shell /usr/sbin/nologin --user-group "${APP_USER}"
+fi
+
+for d in "${APP_HOME}" "${APP_HOME}/orchestrator" "${APP_HOME}/webapp" \
+         "${APP_HOME}/webapp/dist" "${ETC_DIR}" "${LOG_DIR}" "${REPO_DIR}"; do
+  run install -d -o "${APP_USER}" -g "${APP_USER}" -m 0755 "$d"
+done
+run chown "${APP_USER}:${APP_USER}" "${APP_HOME}" "${LOG_DIR}" "${REPO_DIR}"
+run chmod 0750 "${ETC_DIR}"
+
+# ----------------------------------------------------------------------
+# 2. nginx (required by currencicombo-webapp.service)
+# ----------------------------------------------------------------------
+if [[ "${SKIP_NGINX_INSTALL}" -eq 0 ]]; then
+  if command -v nginx >/dev/null 2>&1; then
+    log "nginx already installed ($(nginx -v 2>&1 | head -1))"
+  elif command -v apt-get >/dev/null 2>&1; then
+    log "installing nginx via apt"
+    run 'DEBIAN_FRONTEND=noninteractive apt-get update -q'
+    run 'DEBIAN_FRONTEND=noninteractive apt-get install -y --no-install-recommends nginx-light'
+    # We use our own nginx.conf via -c, so disable the distro site.
+    run systemctl disable --now nginx 2>/dev/null || true
+  elif command -v apk >/dev/null 2>&1; then
+    log "installing nginx via apk"
+    run apk add --no-cache nginx
+    run rc-update del nginx 2>/dev/null || true
+  else
+    die "no apt or apk available — install nginx manually or re-run with --skip-nginx-install"
+  fi
+fi
+[[ -f /etc/nginx/mime.types ]] || warn "/etc/nginx/mime.types missing; webapp-nginx.conf may fail"
+
+# ----------------------------------------------------------------------
+# 3. Postgres role + DB
+# ----------------------------------------------------------------------
+if ! command -v psql >/dev/null 2>&1; then
+  die "psql not on PATH — install Postgres on this host (e.g. apt install postgresql) before running install.sh"
+fi
+
+# Use the OS `postgres` superuser for DDL.
+pg_role_exists() {
+  sudo -u postgres psql -tAc "SELECT 1 FROM pg_roles WHERE rolname='${APP_USER}';" 2>/dev/null | grep -q 1
+}
+pg_db_exists() {
+  sudo -u postgres psql -tAc "SELECT 1 FROM pg_database WHERE datname='${APP_USER}';" 2>/dev/null | grep -q 1
+}
+
+if pg_role_exists; then
+  if [[ "${FORCE_RECREATE_DB}" -eq 1 ]]; then
+    log "dropping existing role/DB (--force-recreate-db)"
+    run "sudo -u postgres psql -c 'DROP DATABASE IF EXISTS ${APP_USER};'"
+    run "sudo -u postgres psql -c 'DROP ROLE IF EXISTS ${APP_USER};'"
+  else
+    warn "Postgres role ${APP_USER} already exists — skipping role/DB creation. Re-run with --force-recreate-db to wipe."
+  fi
+fi
+
+if ! pg_role_exists; then
+  log "creating Postgres role ${APP_USER}"
+  run "sudo -u postgres psql -c \"CREATE ROLE ${APP_USER} LOGIN;\""
+fi
+if ! pg_db_exists; then
+  log "creating Postgres database ${APP_USER}"
+  run "sudo -u postgres psql -c \"CREATE DATABASE ${APP_USER} OWNER ${APP_USER};\""
+fi
+
+# ----------------------------------------------------------------------
+# 4. Redis
+# ----------------------------------------------------------------------
+if systemctl list-unit-files | grep -q '^redis-server\.service'; then
+  run "systemctl start redis-server.service || true"
+  run "systemctl enable redis-server.service >/dev/null 2>&1 || true"
+elif systemctl list-unit-files | grep -q '^redis\.service'; then
+  run "systemctl start redis.service || true"
+  run "systemctl enable redis.service >/dev/null 2>&1 || true"
+elif command -v redis-cli >/dev/null 2>&1; then
+  warn "redis-cli present but no redis-server.service / redis.service unit — assuming external Redis"
+else
+  warn "redis not detected; orchestrator will fall back to in-process event bus. Install redis for multi-replica support."
+fi
+
+# ----------------------------------------------------------------------
+# 5. orchestrator.env
+# ----------------------------------------------------------------------
+FIRST_KEYS_FILE="/root/currencicombo-first-keys.txt"
+if [[ -f "${ENV_FILE}" ]]; then
+  log "${ENV_FILE} already exists — leaving alone (no new keys generated)"
+else
+  log "writing ${ENV_FILE}"
+  install -o "${APP_USER}" -g "${APP_USER}" -m 0640 "${SCRIPT_DIR}/.env.prod.example" "${ENV_FILE}"
+  # Auto-fill the two REQUIRED secrets so first boot doesn't crash.
+  SECRET="$(openssl rand -hex 32)"
+  INIT_KEY="$(openssl rand -hex 24)"
+  SETT_KEY="$(openssl rand -hex 24)"
+  AUD_KEY="$(openssl rand -hex 24)"
+  DB_PASSWORD="$(openssl rand -hex 24)"
+  DB_PASSWORD_SQL="$(sql_escape "${DB_PASSWORD}")"
+  API_KEYS_VALUE="${INIT_KEY}:initiator,${SETT_KEY}:settler,${AUD_KEY}:auditor"
+  DATABASE_URL="postgresql://${APP_USER}:${DB_PASSWORD}@127.0.0.1:5432/${APP_USER}"
+  log "setting Postgres password for role ${APP_USER}"
+  run "sudo -u postgres psql -c \"ALTER ROLE ${APP_USER} WITH LOGIN PASSWORD '${DB_PASSWORD_SQL}';\""
+  run "sed -i 's|^EVENT_SIGNING_SECRET=.*|EVENT_SIGNING_SECRET=${SECRET}|' '${ENV_FILE}'"
+  run "sed -i 's|^API_KEYS=.*|API_KEYS=${API_KEYS_VALUE}|' '${ENV_FILE}'"
+  run "sed -i 's|^DATABASE_URL=.*|DATABASE_URL=${DATABASE_URL}|' '${ENV_FILE}'"
+  run "grep -q '^ORCHESTRATOR_API_KEYS=' '${ENV_FILE}' && sed -i 's|^ORCHESTRATOR_API_KEYS=.*|ORCHESTRATOR_API_KEYS=${API_KEYS_VALUE}|' '${ENV_FILE}' || printf '\nORCHESTRATOR_API_KEYS=%s\n' '${API_KEYS_VALUE}' >> '${ENV_FILE}'"
+  # Write a root-only handoff file so ops can grab the keys without
+  # scraping journald or reading the env file. The canonical copy lives
+  # in ${ENV_FILE}; delete this file once the keys are in your password
+  # manager.
+  if [[ "${DRY_RUN}" -eq 0 ]]; then
+    umask 077
+    cat > "${FIRST_KEYS_FILE}" <<EOF
+# CurrenciCombo first-deploy secrets — generated $(date -Iseconds) by install.sh
+#
+# This file contains the initial API keys and event-signing secret for the
+# orchestrator. The canonical live values live in ${ENV_FILE} and are what
+# systemd actually loads. This file is a root-only handoff copy — record
+# these values in your password manager, then:
+#
+#   shred -u ${FIRST_KEYS_FILE}
+#
+# Re-running install.sh does NOT regenerate these values if ${ENV_FILE}
+# already exists. Losing both ${FIRST_KEYS_FILE} and ${ENV_FILE} means
+# rotating all three API keys and the signing secret.
+
+EVENT_SIGNING_SECRET=${SECRET}
+ORCHESTRATOR_API_KEY_INITIATOR=${INIT_KEY}
+ORCHESTRATOR_API_KEY_SETTLER=${SETT_KEY}
+ORCHESTRATOR_API_KEY_AUDITOR=${AUD_KEY}
+DATABASE_URL=${DATABASE_URL}
+
+# As it appears in ${ENV_FILE}:
+API_KEYS=${API_KEYS_VALUE}
+ORCHESTRATOR_API_KEYS=${API_KEYS_VALUE}
+EOF
+    chmod 0600 "${FIRST_KEYS_FILE}"
+    chown root:root "${FIRST_KEYS_FILE}"
+  else
+    log "[dry-run] would write ${FIRST_KEYS_FILE} (0600, root:root)"
+  fi
+  log "  generated EVENT_SIGNING_SECRET (64 hex)"
+  log "  generated 3 API keys (initiator/settler/auditor)"
+  log "  generated local Postgres password for ${APP_USER}"
+  log "  initial secrets written to ${FIRST_KEYS_FILE} (0600) — record in password manager, then 'shred -u ${FIRST_KEYS_FILE}'"
+fi
+
+# ----------------------------------------------------------------------
+# 6. webapp-nginx.conf
+# ----------------------------------------------------------------------
+run install -o "${APP_USER}" -g "${APP_USER}" -m 0644 \
+  "${SCRIPT_DIR}/webapp-nginx.conf" "${NGINX_FILE}"
+
+# ----------------------------------------------------------------------
+# 7. systemd units
+# ----------------------------------------------------------------------
+run install -o root -g root -m 0644 \
+  "${SCRIPT_DIR}/systemd/currencicombo-orchestrator.service" \
+  "${SYSTEMD_DIR}/currencicombo-orchestrator.service"
+run install -o root -g root -m 0644 \
+  "${SCRIPT_DIR}/systemd/currencicombo-webapp.service" \
+  "${SYSTEMD_DIR}/currencicombo-webapp.service"
+run systemctl daemon-reload
+
+# ----------------------------------------------------------------------
+# 8. Enable (but do NOT start yet — no build exists)
+# ----------------------------------------------------------------------
+run systemctl enable currencicombo-orchestrator.service
+run systemctl enable currencicombo-webapp.service
+
+log "install complete."
+log "  next: run scripts/deployment/deploy-currencicombo-8604.sh as root to build + start."

scripts/deployment/systemd/currencicombo-orchestrator.service

@@ -0,0 +1,34 @@
+[Unit]
+Description=CurrenciCombo orchestrator (Node)
+Documentation=https://gitea.d-bis.org/d-bis/CurrenciCombo
+After=network-online.target postgresql.service redis-server.service redis.service
+Wants=network-online.target
+
+[Service]
+Type=simple
+User=currencicombo
+Group=currencicombo
+WorkingDirectory=/opt/currencicombo/orchestrator
+EnvironmentFile=/etc/currencicombo/orchestrator.env
+ExecStart=/usr/bin/node /opt/currencicombo/orchestrator/dist/index.js
+Restart=on-failure
+RestartSec=5
+TimeoutStopSec=20
+StandardOutput=journal
+StandardError=journal
+SyslogIdentifier=currencicombo-orchestrator
+
+# Hardening
+NoNewPrivileges=yes
+PrivateTmp=yes
+ProtectSystem=strict
+ProtectHome=yes
+ReadWritePaths=/var/log/currencicombo
+ProtectKernelTunables=yes
+ProtectKernelModules=yes
+ProtectControlGroups=yes
+RestrictSUIDSGID=yes
+LockPersonality=yes
+
+[Install]
+WantedBy=multi-user.target

scripts/deployment/systemd/currencicombo-webapp.service

@@ -0,0 +1,34 @@
+[Unit]
+Description=CurrenciCombo webapp (Vite SPA served by nginx)
+Documentation=https://gitea.d-bis.org/d-bis/CurrenciCombo
+After=network-online.target
+Wants=network-online.target
+
+[Service]
+Type=simple
+User=currencicombo
+Group=currencicombo
+RuntimeDirectory=currencicombo-webapp
+RuntimeDirectoryMode=0755
+ExecStart=/usr/sbin/nginx -c /etc/currencicombo/webapp-nginx.conf -g 'daemon off; pid /run/currencicombo-webapp/nginx.pid;'
+ExecReload=/usr/sbin/nginx -c /etc/currencicombo/webapp-nginx.conf -s reload
+Restart=on-failure
+RestartSec=5
+StandardOutput=journal
+StandardError=journal
+SyslogIdentifier=currencicombo-webapp
+
+# Hardening
+NoNewPrivileges=yes
+PrivateTmp=yes
+ProtectSystem=strict
+ProtectHome=yes
+ReadWritePaths=/var/log/currencicombo /run/currencicombo-webapp
+ProtectKernelTunables=yes
+ProtectKernelModules=yes
+ProtectControlGroups=yes
+RestrictSUIDSGID=yes
+LockPersonality=yes
+
+[Install]
+WantedBy=multi-user.target

scripts/deployment/webapp-nginx.conf

@@ -0,0 +1,80 @@
+# Self-contained nginx.conf for the CurrenciCombo Vite SPA.
+# Invoked by the `currencicombo-webapp.service` systemd unit and installed
+# to /etc/currencicombo/webapp-nginx.conf by scripts/deployment/install.sh.
+#
+# Listens on :3000 (NPMplus upstream). NPMplus path-routes /api/* to the
+# orchestrator on :8080 (with SSE-friendly settings — see README.md);
+# everything else lands here.
+# This config does NOT proxy /api itself — that's intentional so a wrong
+# NPMplus rule fails loudly instead of silently bypassing the orchestrator.
+
+worker_processes auto;
+error_log /var/log/currencicombo/webapp-nginx.error.log warn;
+
+events {
+  worker_connections 1024;
+}
+
+http {
+  include /etc/nginx/mime.types;
+  default_type application/octet-stream;
+
+  access_log /var/log/currencicombo/webapp-nginx.access.log combined;
+
+  sendfile on;
+  tcp_nopush on;
+  keepalive_timeout 65;
+  server_tokens off;
+  gzip on;
+  gzip_types text/plain text/css application/javascript application/json image/svg+xml;
+  gzip_min_length 1024;
+
+  # Uploads/bodies: the portal is a static SPA, so any request with a body
+  # is almost certainly mis-routed. Cap tight.
+  client_max_body_size 1m;
+
+  server {
+    listen 3000 default_server;
+    listen [::]:3000 default_server;
+    server_name _;
+
+    root /opt/currencicombo/webapp/dist;
+    index index.html;
+
+    # Security headers are also set by NPMplus, but apply them here too
+    # so they survive a direct-to-CT curl for debugging.
+    add_header X-Content-Type-Options "nosniff" always;
+    add_header X-Frame-Options "SAMEORIGIN" always;
+    add_header Referrer-Policy "strict-origin-when-cross-origin" always;
+
+    # Immutable asset bundles.
+    location /assets/ {
+      access_log off;
+      expires 1y;
+      add_header Cache-Control "public, max-age=31536000, immutable";
+      try_files $uri =404;
+    }
+
+    # Deny sourcemaps in prod.
+    location ~ \.map$ {
+      access_log off;
+      deny all;
+      return 404;
+    }
+
+    # Guard-rail: if NPMplus fails to path-route /api/*, surface it as a
+    # clean 421 rather than serving index.html and confusing the browser
+    # with a JSON parse error. The SSE endpoint lives at
+    # /api/plans/:id/events/stream, which also sits under /api/, so one
+    # rule covers both.
+    location /api/ {
+      return 421 "NPMplus is misconfigured: /api/* must proxy to orchestrator :8080\n";
+      add_header Content-Type text/plain always;
+    }
+
+    # SPA fallback. Must come last.
+    location / {
+      try_files $uri $uri/ /index.html;
+    }
+  }
+}

src/App.tsx

@@ -0,0 +1,583 @@
+import { useState, useEffect, useCallback, useRef } from 'react';
+import { addEdge, applyNodeChanges, applyEdgeChanges, type Node, type Edge, type Connection, type NodeChange, type EdgeChange } from '@xyflow/react';
+import TitleBar from './components/TitleBar';
+import ActivityBar from './components/ActivityBar';
+import LeftPanel from './components/LeftPanel';
+import Canvas from './components/Canvas';
+import RightPanel from './components/RightPanel';
+import BottomPanel from './components/BottomPanel';
+import CommandPalette from './components/CommandPalette';
+import type { ActivityTab, SessionMode, ComponentItem, HistoryEntry, TransactionTab, TerminalEntry, AuditEntry, ValidationIssue } from './types';
+
+const STORAGE_KEY = 'transactflow-workspace';
+
+function loadWorkspace() {
+  try {
+    const raw = localStorage.getItem(STORAGE_KEY);
+    if (raw) return JSON.parse(raw);
+  } catch { /* ignore */ }
+  return null;
+}
+
+function saveWorkspace(state: Record<string, unknown>) {
+  try {
+    localStorage.setItem(STORAGE_KEY, JSON.stringify(state));
+  } catch { /* ignore */ }
+}
+
+export default function App() {
+  const saved = useRef(loadWorkspace());
+
+  const [activityTab, setActivityTab] = useState<ActivityTab>(saved.current?.activityTab || 'builder');
+  const [leftOpen, setLeftOpen] = useState(saved.current?.leftOpen ?? true);
+  const [rightOpen, setRightOpen] = useState(saved.current?.rightOpen ?? true);
+  const [bottomOpen, setBottomOpen] = useState(saved.current?.bottomOpen ?? true);
+  const [bottomExpanded, setBottomExpanded] = useState(false);
+  const [commandPaletteOpen, setCommandPaletteOpen] = useState(false);
+  const [mode, setMode] = useState<SessionMode>(saved.current?.mode || 'Sandbox');
+
+  const [leftWidth, setLeftWidth] = useState(saved.current?.leftWidth ?? 280);
+  const [rightWidth, setRightWidth] = useState(saved.current?.rightWidth ?? 320);
+  const [bottomHeight, setBottomHeight] = useState(saved.current?.bottomHeight ?? 220);
+
+  // Transaction tabs
+  const [transactionTabs, setTransactionTabs] = useState<TransactionTab[]>([
+    { id: 'tx-1', name: 'Untitled Transaction', nodes: [], edges: [] },
+  ]);
+  const [activeTransactionId, setActiveTransactionId] = useState('tx-1');
+
+  const activeTransaction = transactionTabs.find(t => t.id === activeTransactionId)!;
+  const nodes = activeTransaction.nodes;
+  const edges = activeTransaction.edges;
+
+  const setNodes = useCallback((updater: Node[] | ((prev: Node[]) => Node[])) => {
+    setTransactionTabs(prev => prev.map(t => {
+      if (t.id !== activeTransactionId) return t;
+      const newNodes = typeof updater === 'function' ? updater(t.nodes) : updater;
+      return { ...t, nodes: newNodes };
+    }));
+  }, [activeTransactionId]);
+
+  const setEdges = useCallback((updater: Edge[] | ((prev: Edge[]) => Edge[])) => {
+    setTransactionTabs(prev => prev.map(t => {
+      if (t.id !== activeTransactionId) return t;
+      const newEdges = typeof updater === 'function' ? updater(t.edges) : updater;
+      return { ...t, edges: newEdges };
+    }));
+  }, [activeTransactionId]);
+
+  // Undo/redo
+  const [history, setHistory] = useState<HistoryEntry[]>([{ nodes: [], edges: [] }]);
+  const [historyIndex, setHistoryIndex] = useState(0);
+  const skipHistoryRef = useRef(false);
+
+  const pushHistory = useCallback((n: Node[], e: Edge[]) => {
+    if (skipHistoryRef.current) { skipHistoryRef.current = false; return; }
+    setHistory(prev => {
+      const trimmed = prev.slice(0, historyIndex + 1);
+      const entry = { nodes: JSON.parse(JSON.stringify(n)), edges: JSON.parse(JSON.stringify(e)) };
+      const next = [...trimmed, entry];
+      if (next.length > 50) next.shift();
+      return next;
+    });
+    setHistoryIndex(prev => Math.min(prev + 1, 50));
+  }, [historyIndex]);
+
+  const undo = useCallback(() => {
+    if (historyIndex <= 0) return;
+    const newIndex = historyIndex - 1;
+    const entry = history[newIndex];
+    if (!entry) return;
+    skipHistoryRef.current = true;
+    setHistoryIndex(newIndex);
+    setNodes(JSON.parse(JSON.stringify(entry.nodes)));
+    setEdges(JSON.parse(JSON.stringify(entry.edges)));
+  }, [historyIndex, history, setNodes, setEdges]);
+
+  const redo = useCallback(() => {
+    if (historyIndex >= history.length - 1) return;
+    const newIndex = historyIndex + 1;
+    const entry = history[newIndex];
+    if (!entry) return;
+    skipHistoryRef.current = true;
+    setHistoryIndex(newIndex);
+    setNodes(JSON.parse(JSON.stringify(entry.nodes)));
+    setEdges(JSON.parse(JSON.stringify(entry.edges)));
+  }, [historyIndex, history, setNodes, setEdges]);
+
+  // Selected nodes
+  const [selectedNodeIds, setSelectedNodeIds] = useState<Set<string>>(new Set());
+  const selectedNodes = nodes.filter(n => selectedNodeIds.has(n.id));
+
+  // Recent components
+  const [recentComponents, setRecentComponents] = useState<string[]>([]);
+  const addRecentComponent = useCallback((id: string) => {
+    setRecentComponents(prev => {
+      const next = [id, ...prev.filter(x => x !== id)];
+      return next.slice(0, 20);
+    });
+  }, []);
+
+  // Terminal log entries (live)
+  const [terminalEntries, setTerminalEntries] = useState<TerminalEntry[]>([]);
+  const addTerminalEntry = useCallback((level: TerminalEntry['level'], source: string, message: string) => {
+    setTerminalEntries(prev => [...prev, {
+      id: Date.now().toString(),
+      timestamp: new Date(),
+      level,
+      source,
+      message,
+    }]);
+  }, []);
+
+  // Audit entries (live)
+  const [auditEntries, setAuditEntries] = useState<AuditEntry[]>([]);
+  const addAuditEntry = useCallback((action: string, detail: string) => {
+    setAuditEntries(prev => [...prev, {
+      id: Date.now().toString(),
+      timestamp: new Date(),
+      user: 'user',
+      action,
+      detail,
+    }]);
+  }, []);
+
+  // Validation state
+  const [validationIssues, setValidationIssues] = useState<ValidationIssue[]>([]);
+  const [isSimulating, setIsSimulating] = useState(false);
+  const [simulationResults, setSimulationResults] = useState<string | null>(null);
+
+  // Split view
+  const [splitView, setSplitView] = useState(false);
+
+  // Resizable panels
+  const resizing = useRef<{ side: 'left' | 'right' | 'bottom'; startPos: number; startSize: number } | null>(null);
+
+  useEffect(() => {
+    const onMouseMove = (e: MouseEvent) => {
+      if (!resizing.current) return;
+      const { side, startPos, startSize } = resizing.current;
+      if (side === 'left') {
+        const delta = e.clientX - startPos;
+        setLeftWidth(Math.max(200, Math.min(500, startSize + delta)));
+      } else if (side === 'right') {
+        const delta = startPos - e.clientX;
+        setRightWidth(Math.max(240, Math.min(600, startSize + delta)));
+      } else if (side === 'bottom') {
+        const delta = startPos - e.clientY;
+        setBottomHeight(Math.max(120, Math.min(500, startSize + delta)));
+      }
+    };
+    const onMouseUp = () => { resizing.current = null; document.body.style.cursor = ''; document.body.style.userSelect = ''; };
+    window.addEventListener('mousemove', onMouseMove);
+    window.addEventListener('mouseup', onMouseUp);
+    return () => { window.removeEventListener('mousemove', onMouseMove); window.removeEventListener('mouseup', onMouseUp); };
+  }, []);
+
+  const startResize = useCallback((side: 'left' | 'right' | 'bottom', e: React.MouseEvent) => {
+    resizing.current = {
+      side,
+      startPos: side === 'bottom' ? e.clientY : e.clientX,
+      startSize: side === 'left' ? leftWidth : side === 'right' ? rightWidth : bottomHeight,
+    };
+    document.body.style.cursor = side === 'bottom' ? 'row-resize' : 'col-resize';
+    document.body.style.userSelect = 'none';
+  }, [leftWidth, rightWidth, bottomHeight]);
+
+  // Persist workspace
+  useEffect(() => {
+    saveWorkspace({ leftOpen, rightOpen, bottomOpen, leftWidth, rightWidth, bottomHeight, mode, activityTab });
+  }, [leftOpen, rightOpen, bottomOpen, leftWidth, rightWidth, bottomHeight, mode, activityTab]);
+
+  // Toggles
+  const toggleLeft = useCallback(() => setLeftOpen((p: boolean) => !p), []);
+  const toggleRight = useCallback(() => setRightOpen((p: boolean) => !p), []);
+  const toggleBottom = useCallback(() => setBottomOpen((p: boolean) => !p), []);
+  const toggleCommandPalette = useCallback(() => setCommandPaletteOpen((p: boolean) => !p), []);
+
+  // Node operations
+  const nodeIdCounter = useRef(0);
+
+  const onDropComponent = useCallback((item: ComponentItem, position: { x: number; y: number }) => {
+    const newNode: Node = {
+      id: `node_${nodeIdCounter.current++}`,
+      type: 'transactionNode',
+      position,
+      data: { label: item.label, category: item.category, icon: item.icon, color: item.color, status: undefined },
+    };
+    setNodes(prev => {
+      const next = [...prev, newNode];
+      pushHistory(next, edges);
+      return next;
+    });
+    addRecentComponent(item.id);
+    addTerminalEntry('info', 'canvas', `Node added: ${item.label}`);
+    addAuditEntry('NODE_ADD', `Added ${item.label} node to canvas`);
+  }, [setNodes, edges, pushHistory, addRecentComponent, addTerminalEntry, addAuditEntry]);
+
+  const onConnect = useCallback((params: Connection) => {
+    setEdges(prev => {
+      const next = addEdge({ ...params, animated: true, style: { stroke: '#3b82f6', strokeWidth: 2 } }, prev);
+      pushHistory(nodes, next);
+      return next;
+    });
+    addTerminalEntry('info', 'canvas', `Edge connected: ${params.source} → ${params.target}`);
+    addAuditEntry('EDGE_CREATE', `Connection created`);
+  }, [setEdges, nodes, pushHistory, addTerminalEntry, addAuditEntry]);
+
+  const onNodesChange = useCallback((changes: NodeChange[]) => {
+    setNodes((prev: Node[]) => applyNodeChanges(changes, prev));
+  }, [setNodes]);
+
+  const onEdgesChange = useCallback((changes: EdgeChange[]) => {
+    setEdges((prev: Edge[]) => applyEdgeChanges(changes, prev));
+  }, [setEdges]);
+
+  const onSelectionChange = useCallback(({ nodes: selectedNodes }: { nodes: Node[] }) => {
+    setSelectedNodeIds(new Set(selectedNodes.map(n => n.id)));
+  }, []);
+
+  const deleteSelectedNodes = useCallback(() => {
+    if (selectedNodeIds.size === 0) return;
+    setNodes(prev => {
+      const next = prev.filter(n => !selectedNodeIds.has(n.id));
+      pushHistory(next, edges.filter(e => !selectedNodeIds.has(e.source) && !selectedNodeIds.has(e.target)));
+      return next;
+    });
+    setEdges(prev => prev.filter(e => !selectedNodeIds.has(e.source) && !selectedNodeIds.has(e.target)));
+    addTerminalEntry('info', 'canvas', `Deleted ${selectedNodeIds.size} node(s)`);
+    addAuditEntry('NODE_DELETE', `Removed ${selectedNodeIds.size} node(s)`);
+    setSelectedNodeIds(new Set());
+  }, [selectedNodeIds, setNodes, setEdges, edges, pushHistory, addTerminalEntry, addAuditEntry]);
+
+  const duplicateSelectedNodes = useCallback(() => {
+    if (selectedNodeIds.size === 0) return;
+    const selected = nodes.filter(n => selectedNodeIds.has(n.id));
+    const newNodes = selected.map(n => ({
+      ...n,
+      id: `node_${nodeIdCounter.current++}`,
+      position: { x: n.position.x + 40, y: n.position.y + 40 },
+      selected: false,
+    }));
+    setNodes(prev => {
+      const next = [...prev, ...newNodes];
+      pushHistory(next, edges);
+      return next;
+    });
+    addTerminalEntry('info', 'canvas', `Duplicated ${selected.length} node(s)`);
+    addAuditEntry('NODE_DUPLICATE', `Duplicated ${selected.length} node(s)`);
+  }, [selectedNodeIds, nodes, setNodes, edges, pushHistory, addTerminalEntry, addAuditEntry]);
+
+  // Validate
+  const runValidation = useCallback(() => {
+    const issues: ValidationIssue[] = [];
+    if (nodes.length === 0) {
+      issues.push({ id: 'v1', severity: 'info', message: 'Graph is empty. Add components to begin validation.' });
+    } else {
+      const disconnected = nodes.filter(n => !edges.some(e => e.source === n.id || e.target === n.id));
+      disconnected.forEach(n => {
+        const d = n.data as Record<string, unknown>;
+        issues.push({ id: `v-disc-${n.id}`, severity: 'warning', node: (d.label as string) || n.id, message: 'Node is not connected to any other node' });
+      });
+      const hasCompliance = nodes.some(n => (n.data as Record<string, unknown>).category === 'compliance');
+      if (!hasCompliance) {
+        issues.push({ id: 'v-no-compliance', severity: 'warning', message: 'No compliance node in graph. Consider adding KYC/AML checks.' });
+      }
+      const sources = nodes.filter(n => !edges.some(e => e.target === n.id));
+      const sinks = nodes.filter(n => !edges.some(e => e.source === n.id));
+      if (sources.length === 0) issues.push({ id: 'v-no-source', severity: 'error', message: 'No source node found (node with no incoming edges)' });
+      if (sinks.length === 0) issues.push({ id: 'v-no-sink', severity: 'error', message: 'No terminal node found (node with no outgoing edges)' });
+      if (issues.filter(i => i.severity === 'error').length === 0) {
+        issues.push({ id: 'v-ok', severity: 'info', message: `Validation passed. ${nodes.length} nodes, ${edges.length} connections verified.` });
+      }
+    }
+    setValidationIssues(issues);
+    const errs = issues.filter(i => i.severity === 'error').length;
+    const warns = issues.filter(i => i.severity === 'warning').length;
+    addTerminalEntry(errs > 0 ? 'error' : warns > 0 ? 'warn' : 'success', 'validation', `Validation complete: ${errs} errors, ${warns} warnings`);
+    addAuditEntry('VALIDATION_RUN', `Validation: ${errs} errors, ${warns} warnings`);
+
+    // Update node statuses
+    setNodes(prev => prev.map(n => {
+      const nodeIssues = issues.filter(i => i.node === ((n.data as Record<string, unknown>).label as string));
+      const hasError = nodeIssues.some(i => i.severity === 'error');
+      const hasWarning = nodeIssues.some(i => i.severity === 'warning');
+      return {
+        ...n,
+        data: { ...n.data, status: hasError ? 'error' : hasWarning ? 'warning' : (nodes.length > 0 ? 'valid' : undefined) },
+      };
+    }));
+    return issues;
+  }, [nodes, edges, addTerminalEntry, addAuditEntry, setNodes]);
+
+  // Simulate
+  const runSimulation = useCallback(() => {
+    if (nodes.length === 0) {
+      addTerminalEntry('warn', 'simulation', 'Cannot simulate empty graph');
+      return;
+    }
+    setIsSimulating(true);
+    addTerminalEntry('info', 'simulation', 'Starting transaction simulation...');
+    addAuditEntry('SIMULATION_START', 'Simulation initiated');
+
+    setTimeout(() => {
+      const hasCompliance = nodes.some(n => (n.data as Record<string, unknown>).category === 'compliance');
+      const routingNodes = nodes.filter(n => (n.data as Record<string, unknown>).category === 'routing');
+      const fee = (Math.random() * 0.1).toFixed(4);
+      const results = [
+        `Simulation complete for ${nodes.length} nodes, ${edges.length} edges`,
+        `Estimated fees: $${fee}%`,
+        `Settlement window: T+${routingNodes.length > 0 ? '1' : '2'}`,
+        `Compliance: ${hasCompliance ? 'All checks passed' : 'WARNING - No compliance checks in flow'}`,
+        `Routing: ${routingNodes.length} venue(s) evaluated`,
+        `Status: ${hasCompliance ? 'READY FOR EXECUTION' : 'REVIEW REQUIRED'}`,
+      ].join('\n');
+      setSimulationResults(results);
+      setIsSimulating(false);
+      addTerminalEntry('success', 'simulation', 'Simulation completed successfully');
+      addAuditEntry('SIMULATION_COMPLETE', `Simulation: ${nodes.length} nodes processed`);
+    }, 1500);
+  }, [nodes, edges, addTerminalEntry, addAuditEntry]);
+
+  // Execute
+  const runExecution = useCallback(() => {
+    if (nodes.length === 0) {
+      addTerminalEntry('warn', 'execution', 'Cannot execute empty graph');
+      return;
+    }
+    if (mode !== 'Live') {
+      addTerminalEntry('info', 'execution', `Transaction submitted in ${mode} mode`);
+    } else {
+      addTerminalEntry('warn', 'execution', 'Live execution initiated — awaiting confirmation');
+    }
+    addAuditEntry('EXECUTE', `Transaction submitted in ${mode} mode`);
+    addTerminalEntry('success', 'execution', `Transaction ${activeTransaction.name} dispatched to settlement queue`);
+  }, [nodes, mode, activeTransaction.name, addTerminalEntry, addAuditEntry]);
+
+  // Transaction tab management
+  const addTransactionTab = useCallback(() => {
+    const id = `tx-${Date.now()}`;
+    setTransactionTabs(prev => [...prev, { id, name: `Transaction ${prev.length + 1}`, nodes: [], edges: [] }]);
+    setActiveTransactionId(id);
+    setHistory([{ nodes: [], edges: [] }]);
+    setHistoryIndex(0);
+    addTerminalEntry('info', 'system', 'New transaction tab created');
+  }, [addTerminalEntry]);
+
+  const closeTransactionTab = useCallback((id: string) => {
+    if (transactionTabs.length <= 1) return;
+    setTransactionTabs(prev => prev.filter(t => t.id !== id));
+    if (activeTransactionId === id) {
+      const remaining = transactionTabs.filter(t => t.id !== id);
+      setActiveTransactionId(remaining[0].id);
+    }
+  }, [transactionTabs, activeTransactionId]);
+
+  const renameTransaction = useCallback((name: string) => {
+    setTransactionTabs(prev => prev.map(t => t.id === activeTransactionId ? { ...t, name } : t));
+  }, [activeTransactionId]);
+
+  // Keyboard shortcuts
+  useEffect(() => {
+    const handler = (e: KeyboardEvent) => {
+      const ctrl = e.ctrlKey || e.metaKey;
+      if (ctrl && e.key === 'k') { e.preventDefault(); toggleCommandPalette(); }
+      if (ctrl && e.key === 'b') { e.preventDefault(); toggleLeft(); }
+      if (ctrl && e.key === 'j') { e.preventDefault(); toggleRight(); }
+      if (ctrl && e.key === '`') { e.preventDefault(); toggleBottom(); }
+      if (ctrl && e.shiftKey && e.key === 'V') { e.preventDefault(); runValidation(); }
+      if (ctrl && e.shiftKey && e.key === 'S') { e.preventDefault(); runSimulation(); }
+      if (ctrl && e.shiftKey && e.key === 'E') { e.preventDefault(); runExecution(); }
+      if (ctrl && e.key === 'z' && !e.shiftKey) { e.preventDefault(); undo(); }
+      if (ctrl && (e.key === 'y' || (e.shiftKey && e.key === 'Z'))) { e.preventDefault(); redo(); }
+      if (ctrl && e.key === 'd') { e.preventDefault(); duplicateSelectedNodes(); }
+      if (e.key === 'Delete' || e.key === 'Backspace') {
+        if (document.activeElement?.tagName === 'INPUT' || document.activeElement?.tagName === 'TEXTAREA') return;
+        if (selectedNodeIds.size > 0) { e.preventDefault(); deleteSelectedNodes(); }
+      }
+      if (e.key === 'Escape' && commandPaletteOpen) { setCommandPaletteOpen(false); }
+    };
+    window.addEventListener('keydown', handler);
+    return () => window.removeEventListener('keydown', handler);
+  }, [commandPaletteOpen, toggleCommandPalette, toggleLeft, toggleRight, toggleBottom, runValidation, runSimulation, runExecution, undo, redo, duplicateSelectedNodes, deleteSelectedNodes, selectedNodeIds]);
+
+  // Focus chat
+  const chatInputRef = useRef<HTMLInputElement>(null);
+  const focusChat = useCallback(() => { setRightOpen(true); setTimeout(() => chatInputRef.current?.focus(), 100); }, []);
+  const focusTerminal = useCallback(() => { setBottomOpen(true); }, []);
+
+  return (
+    <div className="app-shell">
+      <TitleBar
+        mode={mode}
+        onModeChange={setMode}
+        onToggleCommandPalette={toggleCommandPalette}
+        onValidate={runValidation}
+        onSimulate={runSimulation}
+        onExecute={runExecution}
+      />
+
+      <div className="app-body">
+        <ActivityBar
+          activeTab={activityTab}
+          onTabChange={setActivityTab}
+          leftPanelOpen={leftOpen}
+          onToggleLeftPanel={toggleLeft}
+        />
+
+        <div className="workspace">
+          <div className="workspace-upper">
+            {leftOpen && (
+              <LeftPanel
+                width={leftWidth}
+                activityTab={activityTab}
+                recentComponents={recentComponents}
+              />
+            )}
+            {leftOpen && (
+              <div
+                className="panel-divider vertical"
+                onMouseDown={e => startResize('left', e)}
+              />
+            )}
+
+            <div className="canvas-region">
+              <Canvas
+                nodes={nodes}
+                edges={edges}
+                setNodes={setNodes}
+                setEdges={setEdges}
+                onNodesChange={onNodesChange}
+                onEdgesChange={onEdgesChange}
+                onConnect={onConnect}
+                onSelectionChange={onSelectionChange}
+                onDropComponent={onDropComponent}
+                onValidate={runValidation}
+                onSimulate={runSimulation}
+                onExecute={runExecution}
+                transactionName={activeTransaction.name}
+                onRenameTransaction={renameTransaction}
+                isSimulating={isSimulating}
+                simulationResults={simulationResults}
+                onDismissSimulation={() => setSimulationResults(null)}
+                mode={mode}
+                canUndo={historyIndex > 0}
+                canRedo={historyIndex < history.length - 1}
+                onUndo={undo}
+                onRedo={redo}
+                selectedNodeIds={selectedNodeIds}
+                onDeleteSelected={deleteSelectedNodes}
+                onDuplicateSelected={duplicateSelectedNodes}
+                transactionTabs={transactionTabs}
+                activeTransactionId={activeTransactionId}
+                onSwitchTab={setActiveTransactionId}
+                onAddTab={addTransactionTab}
+                onCloseTab={closeTransactionTab}
+                splitView={splitView}
+                onToggleSplitView={() => setSplitView(p => !p)}
+                pushHistory={pushHistory}
+              />
+            </div>
+
+            {rightOpen && (
+              <div
+                className="panel-divider vertical"
+                onMouseDown={e => startResize('right', e)}
+              />
+            )}
+            {rightOpen && (
+              <RightPanel
+                width={rightWidth}
+                nodes={nodes}
+                edges={edges}
+                selectedNodes={selectedNodes}
+                chatInputRef={chatInputRef}
+                onInsertBlock={onDropComponent}
+                onRunValidation={runValidation}
+                onOptimizeRoute={() => {
+                  addTerminalEntry('info', 'routing', 'Route optimization started...');
+                  setTimeout(() => addTerminalEntry('success', 'routing', 'Optimal route found: Banking Rail → SWIFT Gateway (0.02% fee)'), 800);
+                }}
+                onRunCompliance={() => {
+                  addTerminalEntry('info', 'compliance', 'Running compliance pass...');
+                  const hasCompliance = nodes.some(n => (n.data as Record<string, unknown>).category === 'compliance');
+                  setTimeout(() => addTerminalEntry(hasCompliance ? 'success' : 'warn', 'compliance', hasCompliance ? 'All compliance checks passed' : 'No compliance nodes found in graph'), 600);
+                }}
+                onGenerateSettlement={() => {
+                  addTerminalEntry('info', 'settlement', 'Generating settlement message...');
+                  setTimeout(() => addTerminalEntry('success', 'settlement', 'Settlement instruction generated: pacs.008 message ready'), 700);
+                }}
+              />
+            )}
+          </div>
+
+          {bottomOpen && (
+            <div
+              className="panel-divider horizontal"
+              onMouseDown={e => startResize('bottom', e)}
+            />
+          )}
+          {bottomOpen && (
+            <BottomPanel
+              height={bottomHeight}
+              isExpanded={bottomExpanded}
+              onToggleExpand={() => setBottomExpanded(p => !p)}
+              terminalEntries={terminalEntries}
+              auditEntries={auditEntries}
+              validationIssues={validationIssues}
+            />
+          )}
+        </div>
+      </div>
+
+      <div className="status-bar">
+        <div className="status-bar-left">
+          <span className="status-item">
+            <span className="status-dot green" /> Connected
+          </span>
+          <span className="status-item">{mode}</span>
+          <span className="status-item">Multi-Jurisdiction</span>
+        </div>
+        <div className="status-bar-right">
+          <span className="status-item">Compliance: Active</span>
+          <span className="status-item">ISO-20022: Ready</span>
+          <span className="status-item">Routing: 12 venues</span>
+          <span className="status-item">
+            <kbd className="status-kbd">Ctrl+K</kbd> Command Palette
+          </span>
+        </div>
+      </div>
+
+      <CommandPalette
+        isOpen={commandPaletteOpen}
+        onClose={() => setCommandPaletteOpen(false)}
+        onToggleLeft={toggleLeft}
+        onToggleRight={toggleRight}
+        onToggleBottom={toggleBottom}
+        onValidate={runValidation}
+        onSimulate={runSimulation}
+        onExecute={runExecution}
+        onNewTransaction={addTransactionTab}
+        onFocusChat={focusChat}
+        onFocusTerminal={focusTerminal}
+        onRunCompliance={() => {
+          addTerminalEntry('info', 'compliance', 'Running compliance pass...');
+          setTimeout(() => addTerminalEntry('success', 'compliance', 'Compliance pass completed'), 600);
+        }}
+        onOptimizeRoute={() => {
+          addTerminalEntry('info', 'routing', 'Optimizing routes...');
+          setTimeout(() => addTerminalEntry('success', 'routing', 'Routes optimized'), 600);
+        }}
+        onGenerateISO={() => {
+          addTerminalEntry('info', 'iso20022', 'Generating ISO-20022 message...');
+          setTimeout(() => addTerminalEntry('success', 'iso20022', 'pain.001 message generated'), 700);
+        }}
+        onExportAudit={() => {
+          addTerminalEntry('info', 'audit', 'Exporting audit summary...');
+          setTimeout(() => addTerminalEntry('success', 'audit', 'Audit summary exported'), 500);
+        }}
+        onSearchComponents={() => { setLeftOpen(true); setActivityTab('builder'); }}
+      />
+    </div>
+  );
+}

src/Portal.tsx

@@ -0,0 +1,270 @@
+import { Routes, Route, Navigate } from 'react-router-dom';
+import { useAuth } from './contexts/AuthContext';
+import LoginPage from './pages/LoginPage';
+import DashboardPage from './pages/DashboardPage';
+import AccountsPage from './pages/AccountsPage';
+import TreasuryPage from './pages/TreasuryPage';
+import ReportingPage from './pages/ReportingPage';
+import CompliancePage from './pages/CompliancePage';
+import SettlementsPage from './pages/SettlementsPage';
+import TransactionsPage from './pages/TransactionsPage';
+import PortalLayout from './components/portal/PortalLayout';
+import LiveChainBanner from './components/portal/LiveChainBanner';
+import App from './App';
+
+function ProtectedRoute({ children }: { children: React.ReactNode }) {
+  const { isAuthenticated, loading } = useAuth();
+
+  if (loading) {
+    return (
+      <div className="portal-loading">
+        <div className="portal-loading-spinner" />
+        <span>Initializing secure session...</span>
+      </div>
+    );
+  }
+
+  if (!isAuthenticated) {
+    return <Navigate to="/login" replace />;
+  }
+
+  return <>{children}</>;
+}
+
+export default function Portal() {
+  const { isAuthenticated, loading } = useAuth();
+
+  if (loading) {
+    return (
+      <div className="portal-loading">
+        <div className="portal-loading-spinner" />
+        <span>Initializing secure session...</span>
+      </div>
+    );
+  }
+
+  return (
+    <Routes>
+      <Route
+        path="/login"
+        element={isAuthenticated ? <Navigate to="/dashboard" replace /> : <LoginPage />}
+      />
+
+      <Route
+        path="/dashboard"
+        element={
+          <ProtectedRoute>
+            <PortalLayout>
+              <DashboardPage />
+            </PortalLayout>
+          </ProtectedRoute>
+        }
+      />
+
+      <Route
+        path="/transaction-builder"
+        element={
+          <ProtectedRoute>
+            <PortalLayout>
+              <div className="transaction-builder-module" style={{ display: 'flex', flexDirection: 'column', height: '100%' }}>
+                <LiveChainBanner />
+                <div style={{ flex: 1, minHeight: 0 }}>
+                  <App />
+                </div>
+              </div>
+            </PortalLayout>
+          </ProtectedRoute>
+        }
+      />
+
+      <Route
+        path="/accounts"
+        element={
+          <ProtectedRoute>
+            <PortalLayout>
+              <AccountsPage />
+            </PortalLayout>
+          </ProtectedRoute>
+        }
+      />
+
+      <Route
+        path="/treasury"
+        element={
+          <ProtectedRoute>
+            <PortalLayout>
+              <TreasuryPage />
+            </PortalLayout>
+          </ProtectedRoute>
+        }
+      />
+
+      <Route
+        path="/reporting"
+        element={
+          <ProtectedRoute>
+            <PortalLayout>
+              <ReportingPage />
+            </PortalLayout>
+          </ProtectedRoute>
+        }
+      />
+
+      <Route
+        path="/compliance"
+        element={
+          <ProtectedRoute>
+            <PortalLayout>
+              <CompliancePage />
+            </PortalLayout>
+          </ProtectedRoute>
+        }
+      />
+
+      <Route
+        path="/settlements"
+        element={
+          <ProtectedRoute>
+            <PortalLayout>
+              <SettlementsPage />
+            </PortalLayout>
+          </ProtectedRoute>
+        }
+      />
+
+      <Route
+        path="/transactions"
+        element={
+          <ProtectedRoute>
+            <PortalLayout>
+              <TransactionsPage />
+            </PortalLayout>
+          </ProtectedRoute>
+        }
+      />
+
+      <Route
+        path="/transactions/:planId"
+        element={
+          <ProtectedRoute>
+            <PortalLayout>
+              <TransactionsPage />
+            </PortalLayout>
+          </ProtectedRoute>
+        }
+      />
+
+      <Route
+        path="/settings"
+        element={
+          <ProtectedRoute>
+            <PortalLayout>
+              <SettingsPage />
+            </PortalLayout>
+          </ProtectedRoute>
+        }
+      />
+
+      <Route path="*" element={<Navigate to={isAuthenticated ? '/dashboard' : '/login'} replace />} />
+    </Routes>
+  );
+}
+
+function SettingsPage() {
+  const { user, wallet } = useAuth();
+  return (
+    <div className="settings-page">
+      <div className="page-header">
+        <h1>Settings</h1>
+        <p className="page-subtitle">Portal configuration and user preferences</p>
+      </div>
+      <div className="settings-grid">
+        <div className="dashboard-card">
+          <div className="card-header"><h3>Profile</h3></div>
+          <div className="settings-section">
+            <div className="setting-row">
+              <span className="setting-label">Display Name</span>
+              <span className="setting-value">{user?.displayName || '—'}</span>
+            </div>
+            <div className="setting-row">
+              <span className="setting-label">Role</span>
+              <span className="setting-value">{user?.role?.replace('_', ' ') || '—'}</span>
+            </div>
+            <div className="setting-row">
+              <span className="setting-label">Institution</span>
+              <span className="setting-value">{user?.institution || '—'}</span>
+            </div>
+            <div className="setting-row">
+              <span className="setting-label">Department</span>
+              <span className="setting-value">{user?.department || '—'}</span>
+            </div>
+            <div className="setting-row">
+              <span className="setting-label">Wallet Address</span>
+              <span className="setting-value mono">{wallet?.address || '—'}</span>
+            </div>
+            <div className="setting-row">
+              <span className="setting-label">Chain ID</span>
+              <span className="setting-value">{wallet?.chainId || '—'}</span>
+            </div>
+          </div>
+        </div>
+        <div className="dashboard-card">
+          <div className="card-header"><h3>Permissions</h3></div>
+          <div className="settings-section">
+            <div className="permissions-list">
+              {user?.permissions?.map(p => (
+                <span key={p} className="permission-badge">{p}</span>
+              )) || <span>No permissions</span>}
+            </div>
+          </div>
+        </div>
+        <div className="dashboard-card">
+          <div className="card-header"><h3>Reporting Preferences</h3></div>
+          <div className="settings-section">
+            <div className="setting-row">
+              <span className="setting-label">Default Standard</span>
+              <span className="setting-value">IFRS</span>
+            </div>
+            <div className="setting-row">
+              <span className="setting-label">Base Currency</span>
+              <span className="setting-value">USD</span>
+            </div>
+            <div className="setting-row">
+              <span className="setting-label">Fiscal Year End</span>
+              <span className="setting-value">December 31</span>
+            </div>
+            <div className="setting-row">
+              <span className="setting-label">Auto-generate Reports</span>
+              <span className="setting-value">Monthly</span>
+            </div>
+          </div>
+        </div>
+        <div className="dashboard-card">
+          <div className="card-header"><h3>Enterprise Controls</h3></div>
+          <div className="settings-section">
+            <div className="setting-row">
+              <span className="setting-label">Multi-signature Required</span>
+              <span className="setting-value">Yes (2-of-3)</span>
+            </div>
+            <div className="setting-row">
+              <span className="setting-label">Transaction Limit</span>
+              <span className="setting-value">$10,000,000</span>
+            </div>
+            <div className="setting-row">
+              <span className="setting-label">Approval Workflow</span>
+              <span className="setting-value">Dual Authorization</span>
+            </div>
+            <div className="setting-row">
+              <span className="setting-label">Session Timeout</span>
+              <span className="setting-value">30 minutes</span>
+            </div>
+            <div className="setting-row">
+              <span className="setting-label">Audit Logging</span>
+              <span className="setting-value">Enabled (Full)</span>
+            </div>
+          </div>
+        </div>
+      </div>
+    </div>
+  );
+}

src/assets/react.svg

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src/components/ActivityBar.tsx

@@ -0,0 +1,77 @@
+import {
+  Blocks, Coins, LayoutTemplate, ShieldCheck, Route, Globe,
+  Bot, Terminal, History, Settings
+} from 'lucide-react';
+import type { ActivityTab } from '../types';
+
+const tabs: { id: ActivityTab; icon: typeof Blocks; label: string }[] = [
+  { id: 'builder', icon: Blocks, label: 'Builder' },
+  { id: 'assets', icon: Coins, label: 'Assets' },
+  { id: 'templates', icon: LayoutTemplate, label: 'Templates' },
+  { id: 'compliance', icon: ShieldCheck, label: 'Compliance' },
+  { id: 'routes', icon: Route, label: 'Routes' },
+  { id: 'protocols', icon: Globe, label: 'Protocols' },
+  { id: 'agents', icon: Bot, label: 'Agents' },
+  { id: 'terminal', icon: Terminal, label: 'Terminal' },
+  { id: 'audit', icon: History, label: 'Audit' },
+  { id: 'settings', icon: Settings, label: 'Settings' },
+];
+
+interface ActivityBarProps {
+  activeTab: ActivityTab;
+  onTabChange: (tab: ActivityTab) => void;
+  leftPanelOpen: boolean;
+  onToggleLeftPanel: () => void;
+}
+
+export default function ActivityBar({ activeTab, onTabChange, leftPanelOpen, onToggleLeftPanel }: ActivityBarProps) {
+  return (
+    <div className="activity-bar">
+      <div className="activity-bar-top">
+        {tabs.slice(0, 7).map(tab => {
+          const Icon = tab.icon;
+          const isActive = activeTab === tab.id;
+          return (
+            <button
+              key={tab.id}
+              className={`activity-btn ${isActive && leftPanelOpen ? 'active' : ''}`}
+              title={tab.label}
+              onClick={() => {
+                if (isActive && leftPanelOpen) {
+                  onToggleLeftPanel();
+                } else {
+                  onTabChange(tab.id);
+                  if (!leftPanelOpen) onToggleLeftPanel();
+                }
+              }}
+            >
+              <Icon size={20} />
+            </button>
+          );
+        })}
+      </div>
+      <div className="activity-bar-bottom">
+        {tabs.slice(7).map(tab => {
+          const Icon = tab.icon;
+          return (
+            <button
+              key={tab.id}
+              className={`activity-btn ${activeTab === tab.id && leftPanelOpen ? 'active' : ''}`}
+              title={tab.label}
+              onClick={() => {
+                if (activeTab === tab.id && leftPanelOpen) {
+                  onToggleLeftPanel();
+                } else {
+                  onTabChange(tab.id);
+                  if (!leftPanelOpen) onToggleLeftPanel();
+                }
+              }}
+            >
+              <Icon size={20} />
+            </button>
+          );
+        })}
+      </div>
+    </div>
+  );
+}

src/components/BottomPanel.tsx

@@ -0,0 +1,382 @@
+import { useState } from 'react';
+import {
+  Terminal, ShieldCheck, Radio, History, Mail, Activity, Maximize2, Minimize2,
+  Search, Download, Filter, AlertOctagon, GitCompare
+} from 'lucide-react';
+import type { BottomTab, TerminalEntry, AuditEntry, ValidationIssue } from '../types';
+import { sampleTerminal, sampleValidation, sampleAudit, sampleSettlement, sampleReconciliation, sampleExceptions, sampleMessageQueue, sampleEvents } from '../data/sampleData';
+
+const tabs: { id: BottomTab; icon: typeof Terminal; label: string }[] = [
+  { id: 'terminal', icon: Terminal, label: 'Terminal' },
+  { id: 'validation', icon: ShieldCheck, label: 'Validation' },
+  { id: '800system', icon: Radio, label: '800 System' },
+  { id: 'settlement', icon: Activity, label: 'Settlement Queue' },
+  { id: 'audit', icon: History, label: 'Audit Trail' },
+  { id: 'messages', icon: Mail, label: 'Messages' },
+  { id: 'events', icon: Activity, label: 'Events' },
+  { id: 'reconciliation', icon: GitCompare, label: 'Reconciliation' },
+  { id: 'exceptions', icon: AlertOctagon, label: 'Exceptions' },
+];
+
+interface BottomPanelProps {
+  height: number;
+  isExpanded: boolean;
+  onToggleExpand: () => void;
+  terminalEntries: TerminalEntry[];
+  auditEntries: AuditEntry[];
+  validationIssues: ValidationIssue[];
+}
+
+const statusColors: Record<string, string> = {
+  settled: '#22c55e',
+  pending: '#eab308',
+  in_review: '#3b82f6',
+  awaiting_approval: '#f97316',
+  dispatched: '#3b82f6',
+  partially_settled: '#a855f7',
+  failed: '#ef4444',
+};
+
+const levelColors: Record<string, string> = {
+  info: '#6b7280',
+  warn: '#eab308',
+  error: '#ef4444',
+  success: '#22c55e',
+};
+
+export default function BottomPanel({ height, isExpanded, onToggleExpand, terminalEntries, auditEntries, validationIssues }: BottomPanelProps) {
+  const [activeTab, setActiveTab] = useState<BottomTab>('terminal');
+  const [terminalFilter, setTerminalFilter] = useState('');
+  const [bottomSearch, setBottomSearch] = useState('');
+  const [showSearchBar, setShowSearchBar] = useState(false);
+  const [showFilterBar, setShowFilterBar] = useState(false);
+  const [levelFilter, setLevelFilter] = useState<string>('all');
+
+  const allTerminal = [...sampleTerminal, ...terminalEntries];
+  const filteredTerminal = allTerminal.filter(e => {
+    const matchesText = e.message.toLowerCase().includes(terminalFilter.toLowerCase()) ||
+      e.source.toLowerCase().includes(terminalFilter.toLowerCase());
+    const matchesLevel = levelFilter === 'all' || e.level === levelFilter;
+    return matchesText && matchesLevel;
+  });
+
+  const allAudit = [...sampleAudit, ...auditEntries];
+  const allValidation = validationIssues.length > 0 ? validationIssues : sampleValidation;
+
+  const handleExport = () => {
+    let content = '';
+    if (activeTab === 'terminal') {
+      content = allTerminal.map(e => `[${e.timestamp.toISOString()}] [${e.level}] [${e.source}] ${e.message}`).join('\n');
+    } else if (activeTab === 'audit') {
+      content = allAudit.map(e => `[${e.timestamp.toISOString()}] ${e.user} ${e.action}: ${e.detail}`).join('\n');
+    } else if (activeTab === 'validation') {
+      content = allValidation.map(e => `[${e.severity}] ${e.node ? e.node + ': ' : ''}${e.message}`).join('\n');
+    } else {
+      content = `Export of ${activeTab} tab data`;
+    }
+    const blob = new Blob([content], { type: 'text/plain' });
+    const url = URL.createObjectURL(blob);
+    const a = document.createElement('a');
+    a.href = url;
+    a.download = `transactflow-${activeTab}-${new Date().toISOString().slice(0, 10)}.txt`;
+    a.click();
+    URL.revokeObjectURL(url);
+  };
+
+  return (
+    <div className="bottom-panel" style={{ height: isExpanded ? '50vh' : height }}>
+      <div className="bottom-panel-header">
+        <div className="bottom-panel-tabs">
+          {tabs.map(tab => {
+            const Icon = tab.icon;
+            return (
+              <button
+                key={tab.id}
+                className={`bottom-tab ${activeTab === tab.id ? 'active' : ''}`}
+                onClick={() => setActiveTab(tab.id)}
+              >
+                <Icon size={13} />
+                <span>{tab.label}</span>
+                {tab.id === 'validation' && (
+                  <span className="tab-badge info">{allValidation.length}</span>
+                )}
+                {tab.id === 'settlement' && (
+                  <span className="tab-badge warn">{sampleSettlement.filter(s => s.status === 'pending').length}</span>
+                )}
+                {tab.id === 'exceptions' && (
+                  <span className="tab-badge error">{sampleExceptions.length}</span>
+                )}
+              </button>
+            );
+          })}
+        </div>
+        <div className="bottom-panel-actions">
+          <button className="icon-btn-sm" title="Filter" onClick={() => { setShowFilterBar(!showFilterBar); setShowSearchBar(false); }}>
+            <Filter size={13} />
+          </button>
+          <button className="icon-btn-sm" title="Search" onClick={() => { setShowSearchBar(!showSearchBar); setShowFilterBar(false); }}>
+            <Search size={13} />
+          </button>
+          <button className="icon-btn-sm" title="Export" onClick={handleExport}>
+            <Download size={13} />
+          </button>
+          <button className="icon-btn-sm" title={isExpanded ? 'Minimize' : 'Maximize'} onClick={onToggleExpand}>
+            {isExpanded ? <Minimize2 size={13} /> : <Maximize2 size={13} />}
+          </button>
+        </div>
+      </div>
+
+      {showSearchBar && (
+        <div className="bottom-search-bar">
+          <Search size={12} />
+          <input
+            type="text"
+            placeholder="Search in panel..."
+            value={bottomSearch}
+            onChange={e => setBottomSearch(e.target.value)}
+            autoFocus
+          />
+        </div>
+      )}
+
+      {showFilterBar && activeTab === 'terminal' && (
+        <div className="bottom-filter-bar">
+          {['all', 'info', 'warn', 'error', 'success'].map(level => (
+            <button
+              key={level}
+              className={`filter-pill ${levelFilter === level ? 'active' : ''}`}
+              onClick={() => setLevelFilter(level)}
+            >
+              {level === 'all' ? 'All' : level.toUpperCase()}
+            </button>
+          ))}
+        </div>
+      )}
+
+      <div className="bottom-panel-content">
+        {activeTab === 'terminal' && (
+          <div className="terminal-content">
+            <div className="terminal-filter">
+              <Search size={12} />
+              <input
+                type="text"
+                placeholder="Filter logs..."
+                value={terminalFilter}
+                onChange={e => setTerminalFilter(e.target.value)}
+              />
+            </div>
+            <div className="terminal-entries">
+              {filteredTerminal.map(entry => (
+                <div key={entry.id} className="terminal-entry">
+                  <span className="terminal-time">
+                    {entry.timestamp.toLocaleTimeString([], { hour: '2-digit', minute: '2-digit', second: '2-digit' })}
+                  </span>
+                  <span className="terminal-level" style={{ color: levelColors[entry.level] }}>
+                    [{entry.level.toUpperCase()}]
+                  </span>
+                  <span className="terminal-source">[{entry.source}]</span>
+                  <span className="terminal-msg">{entry.message}</span>
+                </div>
+              ))}
+              <div className="terminal-cursor">
+                <span className="cursor-blink">▌</span>
+              </div>
+            </div>
+          </div>
+        )}
+
+        {activeTab === 'validation' && (
+          <div className="validation-content">
+            {allValidation.map(issue => (
+              <div key={issue.id} className={`validation-entry ${issue.severity}`}>
+                <span className="validation-severity">{issue.severity.toUpperCase()}</span>
+                {issue.node && <span className="validation-node">{issue.node}</span>}
+                <span className="validation-msg">{issue.message}</span>
+              </div>
+            ))}
+          </div>
+        )}
+
+        {activeTab === '800system' && (
+          <div className="system-800-content">
+            <div className="system-800-grid">
+              <div className="system-800-card">
+                <div className="system-800-card-header">Message Queue</div>
+                <div className="system-800-card-value">0 pending</div>
+                <div className="system-800-card-status healthy">Healthy</div>
+              </div>
+              <div className="system-800-card">
+                <div className="system-800-card-header">Core Banking</div>
+                <div className="system-800-card-value">Connected</div>
+                <div className="system-800-card-status healthy">Online</div>
+              </div>
+              <div className="system-800-card">
+                <div className="system-800-card-header">Ledger Feed</div>
+                <div className="system-800-card-value">0 postings/s</div>
+                <div className="system-800-card-status idle">Idle</div>
+              </div>
+              <div className="system-800-card">
+                <div className="system-800-card-header">SWIFT Gateway</div>
+                <div className="system-800-card-value">Ready</div>
+                <div className="system-800-card-status healthy">Online</div>
+              </div>
+              <div className="system-800-card">
+                <div className="system-800-card-header">ISO-20022 Engine</div>
+                <div className="system-800-card-value">3 schemas</div>
+                <div className="system-800-card-status healthy">Loaded</div>
+              </div>
+              <div className="system-800-card">
+                <div className="system-800-card-header">Retry Queue</div>
+                <div className="system-800-card-value">0 items</div>
+                <div className="system-800-card-status healthy">Clear</div>
+              </div>
+            </div>
+          </div>
+        )}
+
+        {activeTab === 'settlement' && (
+          <div className="settlement-content">
+            <table className="settlement-table">
+              <thead>
+                <tr>
+                  <th>TX ID</th>
+                  <th>Status</th>
+                  <th>Amount</th>
+                  <th>Asset</th>
+                  <th>Counterparty</th>
+                  <th>Time</th>
+                </tr>
+              </thead>
+              <tbody>
+                {sampleSettlement.map(item => (
+                  <tr key={item.id}>
+                    <td className="mono">{item.txId}</td>
+                    <td>
+                      <span className="status-badge" style={{ color: statusColors[item.status], borderColor: statusColors[item.status] + '40' }}>
+                        {item.status.replace(/_/g, ' ')}
+                      </span>
+                    </td>
+                    <td className="mono">{item.amount}</td>
+                    <td>{item.asset}</td>
+                    <td>{item.counterparty}</td>
+                    <td className="mono">{item.timestamp.toLocaleTimeString([], { hour: '2-digit', minute: '2-digit' })}</td>
+                  </tr>
+                ))}
+              </tbody>
+            </table>
+          </div>
+        )}
+
+        {activeTab === 'audit' && (
+          <div className="audit-content">
+            {allAudit.map(entry => (
+              <div key={entry.id} className="audit-entry">
+                <span className="audit-time">
+                  {entry.timestamp.toLocaleTimeString([], { hour: '2-digit', minute: '2-digit', second: '2-digit' })}
+                </span>
+                <span className="audit-user">{entry.user}</span>
+                <span className="audit-action">{entry.action}</span>
+                <span className="audit-detail">{entry.detail}</span>
+              </div>
+            ))}
+          </div>
+        )}
+
+        {activeTab === 'messages' && (
+          <div className="messages-content">
+            <table className="settlement-table">
+              <thead>
+                <tr>
+                  <th>Type</th>
+                  <th>Direction</th>
+                  <th>Counterparty</th>
+                  <th>Status</th>
+                  <th>Time</th>
+                </tr>
+              </thead>
+              <tbody>
+                {sampleMessageQueue.map(msg => (
+                  <tr key={msg.id}>
+                    <td className="mono">{msg.msgType}</td>
+                    <td>
+                      <span className={`direction-badge ${msg.direction}`}>
+                        {msg.direction === 'inbound' ? '← IN' : '→ OUT'}
+                      </span>
+                    </td>
+                    <td>{msg.counterparty}</td>
+                    <td>
+                      <span className="status-badge" style={{ color: msg.status === 'sent' ? '#22c55e' : msg.status === 'received' ? '#3b82f6' : '#eab308' }}>
+                        {msg.status}
+                      </span>
+                    </td>
+                    <td className="mono">{msg.timestamp.toLocaleTimeString([], { hour: '2-digit', minute: '2-digit' })}</td>
+                  </tr>
+                ))}
+              </tbody>
+            </table>
+          </div>
+        )}
+
+        {activeTab === 'events' && (
+          <div className="events-content">
+            {sampleEvents.map(evt => (
+              <div key={evt.id} className="audit-entry">
+                <span className="audit-time">
+                  {evt.timestamp.toLocaleTimeString([], { hour: '2-digit', minute: '2-digit', second: '2-digit' })}
+                </span>
+                <span className="audit-action">{evt.type}</span>
+                <span className="audit-detail">{evt.detail}</span>
+              </div>
+            ))}
+          </div>
+        )}
+
+        {activeTab === 'reconciliation' && (
+          <div className="reconciliation-content">
+            <table className="settlement-table">
+              <thead>
+                <tr>
+                  <th>TX ID</th>
+                  <th>Internal Ref</th>
+                  <th>External Ref</th>
+                  <th>Status</th>
+                  <th>Amount</th>
+                  <th>Asset</th>
+                </tr>
+              </thead>
+              <tbody>
+                {sampleReconciliation.map(item => (
+                  <tr key={item.id}>
+                    <td className="mono">{item.txId}</td>
+                    <td className="mono">{item.internalRef}</td>
+                    <td className="mono">{item.externalRef}</td>
+                    <td>
+                      <span className="status-badge" style={{ color: item.status === 'matched' ? '#22c55e' : '#ef4444' }}>
+                        {item.status}
+                      </span>
+                    </td>
+                    <td className="mono">{item.amount}</td>
+                    <td>{item.asset}</td>
+                  </tr>
+                ))}
+              </tbody>
+            </table>
+          </div>
+        )}
+
+        {activeTab === 'exceptions' && (
+          <div className="exceptions-content">
+            {sampleExceptions.map(exc => (
+              <div key={exc.id} className={`validation-entry ${exc.severity}`}>
+                <span className="validation-severity">{exc.severity.toUpperCase()}</span>
+                <span className="validation-node">{exc.txId}</span>
+                <span className="exception-type">{exc.type}</span>
+                <span className="validation-msg">{exc.message}</span>
+              </div>
+            ))}
+          </div>
+        )}
+      </div>
+    </div>
+  );
+}

src/components/Canvas.tsx

@@ -0,0 +1,353 @@
+import { useCallback, useRef, useState, type DragEvent } from 'react';
+import {
+  ReactFlow,
+  Background,
+  Controls,
+  MiniMap,
+  type Connection,
+  type Node,
+  type Edge,
+  BackgroundVariant,
+  type OnNodesChange,
+  type OnEdgesChange,
+  useReactFlow,
+  ReactFlowProvider,
+} from '@xyflow/react';
+import '@xyflow/react/dist/style.css';
+import TransactionNodeComponent from './TransactionNode';
+import {
+  Save, GitBranch, ShieldCheck, FlaskConical, Play,
+  AlertTriangle, CheckCircle2, DollarSign, Clock, Globe,
+  Undo2, Redo2, Copy, Trash2, Plus, X, SplitSquareHorizontal,
+  ZoomIn, ZoomOut, Maximize
+} from 'lucide-react';
+import type { ComponentItem, TransactionTab, SessionMode } from '../types';
+
+const nodeTypes = { transactionNode: TransactionNodeComponent };
+
+interface CanvasProps {
+  nodes: Node[];
+  edges: Edge[];
+  setNodes: (updater: Node[] | ((prev: Node[]) => Node[])) => void;
+  setEdges: (updater: Edge[] | ((prev: Edge[]) => Edge[])) => void;
+  onNodesChange: OnNodesChange;
+  onEdgesChange: OnEdgesChange;
+  onConnect: (params: Connection) => void;
+  onSelectionChange: (params: { nodes: Node[] }) => void;
+  onDropComponent: (item: ComponentItem, position: { x: number; y: number }) => void;
+  onValidate: () => void;
+  onSimulate: () => void;
+  onExecute: () => void;
+  transactionName: string;
+  onRenameTransaction: (name: string) => void;
+  isSimulating: boolean;
+  simulationResults: string | null;
+  onDismissSimulation: () => void;
+  mode: SessionMode;
+  canUndo: boolean;
+  canRedo: boolean;
+  onUndo: () => void;
+  onRedo: () => void;
+  selectedNodeIds: Set<string>;
+  onDeleteSelected: () => void;
+  onDuplicateSelected: () => void;
+  transactionTabs: TransactionTab[];
+  activeTransactionId: string;
+  onSwitchTab: (id: string) => void;
+  onAddTab: () => void;
+  onCloseTab: (id: string) => void;
+  splitView: boolean;
+  onToggleSplitView: () => void;
+  pushHistory: (nodes: Node[], edges: Edge[]) => void;
+}
+
+function CanvasInner({
+  nodes, edges,
+  onNodesChange, onEdgesChange, onConnect, onSelectionChange, onDropComponent,
+  onValidate, onSimulate, onExecute,
+  transactionName, onRenameTransaction,
+  isSimulating, simulationResults, onDismissSimulation,
+  mode, canUndo, canRedo, onUndo, onRedo,
+  selectedNodeIds, onDeleteSelected, onDuplicateSelected,
+  transactionTabs, activeTransactionId, onSwitchTab, onAddTab, onCloseTab,
+  splitView, onToggleSplitView,
+}: CanvasProps) {
+  const reactFlowWrapper = useRef<HTMLDivElement>(null);
+  const [isEditingName, setIsEditingName] = useState(false);
+  const [editName, setEditName] = useState(transactionName);
+  const [zoomLevel, setZoomLevel] = useState(100);
+  const reactFlowInstance = useReactFlow();
+
+  const onDragOver = useCallback((event: DragEvent) => {
+    event.preventDefault();
+    event.dataTransfer.dropEffect = 'move';
+  }, []);
+
+  const onDrop = useCallback(
+    (event: DragEvent) => {
+      event.preventDefault();
+      const data = event.dataTransfer.getData('application/transactflow-component');
+      if (!data) return;
+      const item: ComponentItem = JSON.parse(data);
+      const wrapperBounds = reactFlowWrapper.current?.getBoundingClientRect();
+      if (!wrapperBounds) return;
+      const position = reactFlowInstance.screenToFlowPosition({
+        x: event.clientX,
+        y: event.clientY,
+      });
+      onDropComponent(item, position);
+    },
+    [onDropComponent, reactFlowInstance]
+  );
+
+  const onMoveEnd = useCallback(() => {
+    const zoom = reactFlowInstance.getZoom();
+    setZoomLevel(Math.round(zoom * 100));
+  }, [reactFlowInstance]);
+
+  const handleZoomIn = () => { reactFlowInstance.zoomIn(); setZoomLevel(Math.round(reactFlowInstance.getZoom() * 100)); };
+  const handleZoomOut = () => { reactFlowInstance.zoomOut(); setZoomLevel(Math.round(reactFlowInstance.getZoom() * 100)); };
+  const handleFitView = () => { reactFlowInstance.fitView(); setTimeout(() => setZoomLevel(Math.round(reactFlowInstance.getZoom() * 100)), 100); };
+
+  const errorCount = nodes.filter(n => (n.data as Record<string, unknown>).status === 'error').length;
+  const warningCount = nodes.filter(n => (n.data as Record<string, unknown>).status === 'warning').length;
+
+  const commitName = () => {
+    setIsEditingName(false);
+    if (editName.trim()) onRenameTransaction(editName.trim());
+    else setEditName(transactionName);
+  };
+
+  return (
+    <div className="canvas-container">
+      {/* Transaction tabs */}
+      <div className="transaction-tabs">
+        {transactionTabs.map(tab => (
+          <div
+            key={tab.id}
+            className={`transaction-tab ${tab.id === activeTransactionId ? 'active' : ''}`}
+            onClick={() => onSwitchTab(tab.id)}
+          >
+            <span>{tab.name}</span>
+            {transactionTabs.length > 1 && (
+              <button className="tab-close" onClick={e => { e.stopPropagation(); onCloseTab(tab.id); }}>
+                <X size={10} />
+              </button>
+            )}
+          </div>
+        ))}
+        <button className="transaction-tab-add" onClick={onAddTab} title="New Transaction">
+          <Plus size={12} />
+        </button>
+      </div>
+
+      <div className="canvas-header">
+        <div className="canvas-header-left">
+          {isEditingName ? (
+            <input
+              className="canvas-tx-name-input"
+              value={editName}
+              onChange={e => setEditName(e.target.value)}
+              onBlur={commitName}
+              onKeyDown={e => { if (e.key === 'Enter') commitName(); if (e.key === 'Escape') { setEditName(transactionName); setIsEditingName(false); } }}
+              autoFocus
+            />
+          ) : (
+            <span
+              className="canvas-tx-name"
+              onClick={() => { setIsEditingName(true); setEditName(transactionName); }}
+              title="Click to rename"
+            >
+              {transactionName}
+            </span>
+          )}
+          <span className="canvas-version">v1.0</span>
+          <span className="canvas-save-state">
+            <Save size={12} /> Saved
+          </span>
+          <div className="canvas-toolbar-separator" />
+          <button className="canvas-toolbar-btn" onClick={onUndo} disabled={!canUndo} title="Undo (Ctrl+Z)">
+            <Undo2 size={14} />
+          </button>
+          <button className="canvas-toolbar-btn" onClick={onRedo} disabled={!canRedo} title="Redo (Ctrl+Y)">
+            <Redo2 size={14} />
+          </button>
+          <div className="canvas-toolbar-separator" />
+          <button className="canvas-toolbar-btn" onClick={onDuplicateSelected} disabled={selectedNodeIds.size === 0} title="Duplicate (Ctrl+D)">
+            <Copy size={14} />
+          </button>
+          <button className="canvas-toolbar-btn" onClick={onDeleteSelected} disabled={selectedNodeIds.size === 0} title="Delete (Del)">
+            <Trash2 size={14} />
+          </button>
+          <div className="canvas-toolbar-separator" />
+          <button className="canvas-toolbar-btn" onClick={onToggleSplitView} title="Split View">
+            <SplitSquareHorizontal size={14} />
+          </button>
+        </div>
+        <div className="canvas-header-center">
+          <button className="canvas-env-btn">
+            <GitBranch size={13} />
+            <span>{mode}</span>
+          </button>
+        </div>
+        <div className="canvas-header-right">
+          <button className="canvas-action-btn validate" onClick={onValidate}>
+            <ShieldCheck size={14} /> Validate
+          </button>
+          <button className="canvas-action-btn simulate" onClick={onSimulate} disabled={isSimulating}>
+            <FlaskConical size={14} /> {isSimulating ? 'Simulating...' : 'Simulate'}
+          </button>
+          <button className="canvas-action-btn execute" onClick={onExecute}>
+            <Play size={14} /> Execute
+          </button>
+        </div>
+      </div>
+
+      <div className="canvas-body" ref={reactFlowWrapper}>
+        <div style={{ display: 'flex', width: '100%', height: '100%' }}>
+          <div style={{ flex: 1, position: 'relative' }}>
+            <ReactFlow
+              nodes={nodes}
+              edges={edges}
+              onNodesChange={onNodesChange}
+              onEdgesChange={onEdgesChange}
+              onConnect={onConnect}
+              onSelectionChange={onSelectionChange}
+              onDragOver={onDragOver}
+              onDrop={onDrop}
+              onMoveEnd={onMoveEnd}
+              nodeTypes={nodeTypes}
+              fitView
+              snapToGrid
+              snapGrid={[16, 16]}
+              multiSelectionKeyCode="Shift"
+              deleteKeyCode={null}
+              defaultEdgeOptions={{
+                animated: true,
+                style: { stroke: '#3b82f6', strokeWidth: 2 },
+              }}
+              proOptions={{ hideAttribution: true }}
+            >
+              <Background variant={BackgroundVariant.Dots} gap={16} size={1} color="#333" />
+              <Controls className="canvas-controls" showZoom={false} showFitView={false} showInteractive={false}>
+                <button className="react-flow__controls-button" onClick={handleZoomIn} title="Zoom In">
+                  <ZoomIn size={14} />
+                </button>
+                <button className="react-flow__controls-button" onClick={handleZoomOut} title="Zoom Out">
+                  <ZoomOut size={14} />
+                </button>
+                <button className="react-flow__controls-button zoom-display" title="Current Zoom">
+                  {zoomLevel}%
+                </button>
+                <button className="react-flow__controls-button" onClick={handleFitView} title="Fit View">
+                  <Maximize size={14} />
+                </button>
+              </Controls>
+              <MiniMap
+                className="canvas-minimap"
+                nodeColor={(n) => {
+                  const d = n.data as Record<string, unknown>;
+                  return (d?.color as string) || '#3b82f6';
+                }}
+                maskColor="rgba(0,0,0,0.7)"
+              />
+            </ReactFlow>
+          </div>
+
+          {splitView && (
+            <>
+              <div style={{ width: 1, background: '#2a2a32', flexShrink: 0 }} />
+              <div style={{ flex: 1, position: 'relative', background: '#0e0e10', display: 'flex', alignItems: 'center', justifyContent: 'center' }}>
+                <div style={{ textAlign: 'center', color: '#5c5c68' }}>
+                  <SplitSquareHorizontal size={32} style={{ marginBottom: 8, opacity: 0.4 }} />
+                  <p style={{ fontSize: 13 }}>Comparison View</p>
+                  <p style={{ fontSize: 11, marginTop: 4 }}>Select a saved version or branch to compare</p>
+                </div>
+              </div>
+            </>
+          )}
+        </div>
+
+        {nodes.length === 0 && !splitView && (
+          <div className="canvas-empty">
+            <div className="canvas-empty-content">
+              <div className="canvas-empty-icon">⚡</div>
+              <h3>Start Building</h3>
+              <p>Drag components from the left panel onto the canvas to compose your transaction flow</p>
+              <p className="canvas-empty-hint">or press <kbd>Ctrl+K</kbd> to search components</p>
+            </div>
+          </div>
+        )}
+
+        {/* Simulation overlay */}
+        {isSimulating && (
+          <div className="simulation-overlay">
+            <div className="simulation-spinner" />
+            <span>Running simulation...</span>
+          </div>
+        )}
+
+        {simulationResults && (
+          <div className="simulation-results-overlay">
+            <div className="simulation-results-card">
+              <div className="simulation-results-header">
+                <CheckCircle2 size={16} color="#22c55e" />
+                <span>Simulation Results</span>
+                <button className="simulation-dismiss" onClick={onDismissSimulation}><X size={14} /></button>
+              </div>
+              <pre className="simulation-results-body">{simulationResults}</pre>
+            </div>
+          </div>
+        )}
+      </div>
+
+      <div className="canvas-inspector">
+        <div className="inspector-item">
+          <CheckCircle2 size={12} color="#22c55e" />
+          <span>{nodes.length} nodes</span>
+        </div>
+        <div className="inspector-item">
+          <span>{edges.length} connections</span>
+        </div>
+        <div className="inspector-separator" />
+        <div className="inspector-item">
+          <AlertTriangle size={12} color={errorCount > 0 ? '#ef4444' : '#555'} />
+          <span>{errorCount} errors</span>
+        </div>
+        <div className="inspector-item">
+          <AlertTriangle size={12} color={warningCount > 0 ? '#eab308' : '#555'} />
+          <span>{warningCount} warnings</span>
+        </div>
+        <div className="inspector-separator" />
+        <div className="inspector-item">
+          <DollarSign size={12} />
+          <span>Est. fees: {nodes.length > 0 ? '$0.02%' : '—'}</span>
+        </div>
+        <div className="inspector-item">
+          <Clock size={12} />
+          <span>Settlement: {nodes.length > 0 ? 'T+1' : '—'}</span>
+        </div>
+        <div className="inspector-item">
+          <Globe size={12} />
+          <span>Jurisdictions: {nodes.length > 0 ? 'Multi' : '—'}</span>
+        </div>
+        {selectedNodeIds.size > 0 && (
+          <>
+            <div className="inspector-separator" />
+            <div className="inspector-item selected-info">
+              <span>{selectedNodeIds.size} selected</span>
+            </div>
+          </>
+        )}
+      </div>
+    </div>
+  );
+}
+
+export default function Canvas(props: CanvasProps) {
+  return (
+    <ReactFlowProvider>
+      <CanvasInner {...props} />
+    </ReactFlowProvider>
+  );
+}

src/components/CommandPalette.tsx

@@ -0,0 +1,168 @@
+import { useState, useEffect, useRef } from 'react';
+import { Search, ArrowRight } from 'lucide-react';
+
+interface Command {
+  id: string;
+  label: string;
+  category: string;
+  shortcut?: string;
+}
+
+const commands: Command[] = [
+  { id: 'validate', label: 'Run Validation', category: 'Actions', shortcut: 'Ctrl+Shift+V' },
+  { id: 'simulate', label: 'Run Simulation', category: 'Actions', shortcut: 'Ctrl+Shift+S' },
+  { id: 'execute', label: 'Execute Transaction', category: 'Actions', shortcut: 'Ctrl+Shift+E' },
+  { id: 'toggle-left', label: 'Toggle Left Panel', category: 'View', shortcut: 'Ctrl+B' },
+  { id: 'toggle-right', label: 'Toggle Right Panel', category: 'View', shortcut: 'Ctrl+J' },
+  { id: 'toggle-bottom', label: 'Toggle Bottom Panel', category: 'View', shortcut: 'Ctrl+`' },
+  { id: 'search-components', label: 'Search Components', category: 'Navigation' },
+  { id: 'new-transaction', label: 'New Transaction', category: 'File', shortcut: 'Ctrl+N' },
+  { id: 'save', label: 'Save Transaction', category: 'File', shortcut: 'Ctrl+S' },
+  { id: 'export', label: 'Export Transaction', category: 'File' },
+  { id: 'import-template', label: 'Import Template', category: 'File' },
+  { id: 'focus-chat', label: 'Focus Chat Panel', category: 'Navigation', shortcut: 'Ctrl+/' },
+  { id: 'focus-terminal', label: 'Focus Terminal', category: 'Navigation' },
+  { id: 'compliance-pass', label: 'Run Compliance Pass', category: 'Compliance' },
+  { id: 'optimize-route', label: 'Optimize Routes', category: 'Routing' },
+  { id: 'gen-iso', label: 'Generate ISO-20022 Message', category: 'Messaging' },
+  { id: 'audit-export', label: 'Export Audit Summary', category: 'Audit' },
+];
+
+interface CommandPaletteProps {
+  isOpen: boolean;
+  onClose: () => void;
+  onToggleLeft: () => void;
+  onToggleRight: () => void;
+  onToggleBottom: () => void;
+  onValidate: () => void;
+  onSimulate: () => void;
+  onExecute: () => void;
+  onNewTransaction: () => void;
+  onFocusChat: () => void;
+  onFocusTerminal: () => void;
+  onRunCompliance: () => void;
+  onOptimizeRoute: () => void;
+  onGenerateISO: () => void;
+  onExportAudit: () => void;
+  onSearchComponents: () => void;
+}
+
+export default function CommandPalette({
+  isOpen, onClose,
+  onToggleLeft, onToggleRight, onToggleBottom,
+  onValidate, onSimulate, onExecute,
+  onNewTransaction, onFocusChat, onFocusTerminal,
+  onRunCompliance, onOptimizeRoute, onGenerateISO, onExportAudit,
+  onSearchComponents,
+}: CommandPaletteProps) {
+  const [query, setQuery] = useState('');
+  const [selectedIndex, setSelectedIndex] = useState(0);
+  const inputRef = useRef<HTMLInputElement>(null);
+
+  useEffect(() => {
+    if (isOpen) {
+      setQuery('');
+      setSelectedIndex(0);
+      setTimeout(() => inputRef.current?.focus(), 50);
+    }
+  }, [isOpen]);
+
+  if (!isOpen) return null;
+
+  const filtered = commands.filter(c =>
+    c.label.toLowerCase().includes(query.toLowerCase()) ||
+    c.category.toLowerCase().includes(query.toLowerCase())
+  );
+
+  const grouped = filtered.reduce<Record<string, Command[]>>((acc, cmd) => {
+    if (!acc[cmd.category]) acc[cmd.category] = [];
+    acc[cmd.category].push(cmd);
+    return acc;
+  }, {});
+
+  const flatList = Object.values(grouped).flat();
+
+  const executeCommand = (id: string) => {
+    switch (id) {
+      case 'toggle-left': onToggleLeft(); break;
+      case 'toggle-right': onToggleRight(); break;
+      case 'toggle-bottom': onToggleBottom(); break;
+      case 'validate': onValidate(); break;
+      case 'simulate': onSimulate(); break;
+      case 'execute': onExecute(); break;
+      case 'new-transaction': onNewTransaction(); break;
+      case 'focus-chat': onFocusChat(); break;
+      case 'focus-terminal': onFocusTerminal(); break;
+      case 'compliance-pass': onRunCompliance(); break;
+      case 'optimize-route': onOptimizeRoute(); break;
+      case 'gen-iso': onGenerateISO(); break;
+      case 'audit-export': onExportAudit(); break;
+      case 'search-components': onSearchComponents(); break;
+      case 'save': /* already auto-saved */ break;
+      case 'export': /* export handled */ break;
+      case 'import-template': /* import handled */ break;
+    }
+    onClose();
+  };
+
+  const handleKeyDown = (e: React.KeyboardEvent) => {
+    if (e.key === 'Escape') { onClose(); return; }
+    if (e.key === 'Enter' && flatList.length > 0) {
+      executeCommand(flatList[selectedIndex]?.id || flatList[0].id);
+      return;
+    }
+    if (e.key === 'ArrowDown') {
+      e.preventDefault();
+      setSelectedIndex(prev => Math.min(prev + 1, flatList.length - 1));
+    }
+    if (e.key === 'ArrowUp') {
+      e.preventDefault();
+      setSelectedIndex(prev => Math.max(prev - 1, 0));
+    }
+  };
+
+  let runningIndex = 0;
+
+  return (
+    <div className="command-palette-overlay" onClick={onClose}>
+      <div className="command-palette" onClick={e => e.stopPropagation()}>
+        <div className="command-palette-input">
+          <Search size={16} />
+          <input
+            ref={inputRef}
+            type="text"
+            placeholder="Type a command or search..."
+            value={query}
+            onChange={e => { setQuery(e.target.value); setSelectedIndex(0); }}
+            onKeyDown={handleKeyDown}
+          />
+        </div>
+        <div className="command-palette-results">
+          {Object.entries(grouped).map(([category, cmds]) => (
+            <div key={category} className="command-group">
+              <div className="command-group-header">{category}</div>
+              {cmds.map(cmd => {
+                const idx = runningIndex++;
+                return (
+                  <div
+                    key={cmd.id}
+                    className={`command-item ${idx === selectedIndex ? 'selected' : ''}`}
+                    onClick={() => executeCommand(cmd.id)}
+                    onMouseEnter={() => setSelectedIndex(idx)}
+                  >
+                    <ArrowRight size={12} />
+                    <span className="command-label">{cmd.label}</span>
+                    {cmd.shortcut && <kbd className="command-shortcut">{cmd.shortcut}</kbd>}
+                  </div>
+                );
+              })}
+            </div>
+          ))}
+          {filtered.length === 0 && (
+            <div className="command-empty">No commands found</div>
+          )}
+        </div>
+      </div>
+    </div>
+  );
+}

src/components/LeftPanel.tsx

@@ -0,0 +1,334 @@
+import { useState, type DragEvent } from 'react';
+import { Search, Star, Clock, ChevronRight, ChevronDown, GripVertical } from 'lucide-react';
+import { componentCategories, componentItems } from '../data/components';
+import type { ComponentItem, ActivityTab } from '../types';
+
+interface LeftPanelProps {
+  width: number;
+  activityTab: ActivityTab;
+  recentComponents: string[];
+}
+
+const activityTabLabels: Record<ActivityTab, string> = {
+  builder: 'Components',
+  assets: 'Assets',
+  templates: 'Templates',
+  compliance: 'Compliance',
+  routes: 'Routes',
+  protocols: 'Protocols',
+  agents: 'Agents',
+  terminal: 'Terminal',
+  audit: 'Audit',
+  settings: 'Settings',
+};
+
+const activityTabCategories: Partial<Record<ActivityTab, string[]>> = {
+  assets: ['assets'],
+  templates: ['templates'],
+  compliance: ['compliance'],
+  routes: ['routing'],
+  protocols: ['messaging'],
+};
+
+export default function LeftPanel({ width, activityTab, recentComponents }: LeftPanelProps) {
+  const [search, setSearch] = useState('');
+  const [expandedCategories, setExpandedCategories] = useState<Set<string>>(
+    new Set(componentCategories.map(c => c.id))
+  );
+  const [favorites, setFavorites] = useState<Set<string>>(new Set(['transfer', 'swap', 'kyc']));
+  const [activeFilter, setActiveFilter] = useState<'all' | 'favorites' | 'recent'>('all');
+  const [tooltipItem, setTooltipItem] = useState<ComponentItem | null>(null);
+  const [tooltipPos, setTooltipPos] = useState({ x: 0, y: 0 });
+
+  const toggleCategory = (id: string) => {
+    const next = new Set(expandedCategories);
+    if (next.has(id)) next.delete(id); else next.add(id);
+    setExpandedCategories(next);
+  };
+
+  const toggleFavorite = (id: string, e: React.MouseEvent) => {
+    e.stopPropagation();
+    const next = new Set(favorites);
+    if (next.has(id)) next.delete(id); else next.add(id);
+    setFavorites(next);
+  };
+
+  const onDragStart = (e: DragEvent, item: ComponentItem) => {
+    e.dataTransfer.setData('application/transactflow-component', JSON.stringify(item));
+    e.dataTransfer.effectAllowed = 'move';
+
+    // Create drag preview
+    const preview = document.createElement('div');
+    preview.className = 'drag-preview';
+    preview.innerHTML = `<span>${item.icon}</span> <span>${item.label}</span>`;
+    preview.style.cssText = 'position:fixed;top:-100px;left:-100px;background:#1a1a20;border:1px solid #3b82f6;border-radius:6px;padding:6px 12px;color:#e4e4e8;font-size:12px;display:flex;align-items:center;gap:6px;z-index:10000;pointer-events:none;';
+    document.body.appendChild(preview);
+    e.dataTransfer.setDragImage(preview, 0, 0);
+    setTimeout(() => document.body.removeChild(preview), 0);
+  };
+
+  const showTooltip = (item: ComponentItem, e: React.MouseEvent) => {
+    setTooltipItem(item);
+    setTooltipPos({ x: e.clientX + 12, y: e.clientY - 10 });
+  };
+
+  const hideTooltip = () => setTooltipItem(null);
+
+  // For non-builder tabs, show filtered content
+  if (activityTab !== 'builder') {
+    const categoryFilter = activityTabCategories[activityTab];
+
+    if (activityTab === 'settings') {
+      return (
+        <div className="left-panel" style={{ width }}>
+          <div className="panel-header"><span className="panel-title">{activityTabLabels[activityTab]}</span></div>
+          <div className="left-panel-content">
+            <div className="settings-panel">
+              <div className="settings-group">
+                <div className="settings-group-header">Workspace</div>
+                <div className="settings-item"><span>Theme</span><span className="settings-value">Dark</span></div>
+                <div className="settings-item"><span>Font Size</span><span className="settings-value">13px</span></div>
+                <div className="settings-item"><span>Snap to Grid</span><span className="settings-value">Enabled</span></div>
+                <div className="settings-item"><span>Grid Size</span><span className="settings-value">16px</span></div>
+              </div>
+              <div className="settings-group">
+                <div className="settings-group-header">Canvas</div>
+                <div className="settings-item"><span>Auto-save</span><span className="settings-value">On</span></div>
+                <div className="settings-item"><span>Minimap</span><span className="settings-value">Visible</span></div>
+                <div className="settings-item"><span>Animations</span><span className="settings-value">Enabled</span></div>
+              </div>
+              <div className="settings-group">
+                <div className="settings-group-header">Compliance</div>
+                <div className="settings-item"><span>Auto-validate</span><span className="settings-value">Off</span></div>
+                <div className="settings-item"><span>Jurisdiction</span><span className="settings-value">Multi</span></div>
+              </div>
+            </div>
+          </div>
+        </div>
+      );
+    }
+
+    if (activityTab === 'terminal' || activityTab === 'audit') {
+      return (
+        <div className="left-panel" style={{ width }}>
+          <div className="panel-header"><span className="panel-title">{activityTabLabels[activityTab]}</span></div>
+          <div className="left-panel-content">
+            <div className="empty-state">
+              <p>{activityTab === 'terminal' ? 'Terminal output is shown in the bottom panel.' : 'Audit trail is shown in the bottom panel.'}</p>
+              <p style={{ marginTop: 8, fontSize: 11 }}>Use <kbd style={{ background: '#1a1a20', border: '1px solid #2a2a32', borderRadius: 3, padding: '1px 4px', fontSize: 10 }}>Ctrl+`</kbd> to toggle the bottom panel.</p>
+            </div>
+          </div>
+        </div>
+      );
+    }
+
+    if (activityTab === 'agents') {
+      const agentList = [
+        { name: 'Builder Agent', desc: 'Helps construct transaction flows', color: '#3b82f6' },
+        { name: 'Compliance Agent', desc: 'Monitors policy violations', color: '#22c55e' },
+        { name: 'Routing Agent', desc: 'Optimizes execution paths', color: '#f97316' },
+        { name: 'ISO-20022 Agent', desc: 'Generates messaging payloads', color: '#a855f7' },
+        { name: 'Settlement Agent', desc: 'Manages settlement instructions', color: '#eab308' },
+        { name: 'Risk Agent', desc: 'Evaluates transaction risk', color: '#ef4444' },
+        { name: 'Documentation Agent', desc: 'Generates deal memos', color: '#6b7280' },
+      ];
+      return (
+        <div className="left-panel" style={{ width }}>
+          <div className="panel-header"><span className="panel-title">Agents</span></div>
+          <div className="left-panel-content">
+            {agentList.map(a => (
+              <div key={a.name} className="agent-list-item">
+                <div className="agent-list-dot" style={{ background: a.color }} />
+                <div>
+                  <div className="agent-list-name">{a.name}</div>
+                  <div className="agent-list-desc">{a.desc}</div>
+                </div>
+              </div>
+            ))}
+          </div>
+        </div>
+      );
+    }
+
+    // For assets, templates, compliance, routes, protocols: show filtered components
+    const filteredItems = categoryFilter
+      ? componentItems.filter(i => categoryFilter.includes(i.category))
+      : componentItems;
+
+    const searchFiltered = filteredItems.filter(item =>
+      item.label.toLowerCase().includes(search.toLowerCase()) ||
+      item.description.toLowerCase().includes(search.toLowerCase())
+    );
+
+    return (
+      <div className="left-panel" style={{ width }}>
+        <div className="panel-header"><span className="panel-title">{activityTabLabels[activityTab]}</span></div>
+        <div className="left-panel-search">
+          <Search size={14} className="search-icon" />
+          <input
+            type="text"
+            placeholder={`Search ${activityTabLabels[activityTab].toLowerCase()}...`}
+            value={search}
+            onChange={e => setSearch(e.target.value)}
+          />
+        </div>
+        <div className="left-panel-content">
+          <div className="category-items flat">
+            {searchFiltered.map(item => (
+              <div
+                key={item.id}
+                className="component-item"
+                draggable
+                onDragStart={e => onDragStart(e, item)}
+                onMouseEnter={e => showTooltip(item, e)}
+                onMouseLeave={hideTooltip}
+              >
+                <GripVertical size={12} className="drag-handle" />
+                <span className="component-icon">{item.icon}</span>
+                <span className="component-label">{item.label}</span>
+                <button className={`fav-btn ${favorites.has(item.id) ? 'active' : ''}`} onClick={e => toggleFavorite(item.id, e)}>
+                  <Star size={11} />
+                </button>
+              </div>
+            ))}
+            {searchFiltered.length === 0 && <div className="empty-state">No items found</div>}
+          </div>
+        </div>
+        {tooltipItem && (
+          <div className="component-tooltip" style={{ top: tooltipPos.y, left: tooltipPos.x }}>
+            <div className="tooltip-header">{tooltipItem.icon} {tooltipItem.label}</div>
+            <div className="tooltip-desc">{tooltipItem.description}</div>
+            <div className="tooltip-meta">
+              <span className="tooltip-cat" style={{ color: tooltipItem.color }}>
+                {componentCategories.find(c => c.id === tooltipItem.category)?.label}
+              </span>
+            </div>
+            {tooltipItem.inputs && <div className="tooltip-fields"><strong>Inputs:</strong> {tooltipItem.inputs.join(', ')}</div>}
+            {tooltipItem.outputs && <div className="tooltip-fields"><strong>Outputs:</strong> {tooltipItem.outputs.join(', ')}</div>}
+          </div>
+        )}
+      </div>
+    );
+  }
+
+  // Builder tab: full component library
+  const filtered = componentItems.filter(item =>
+    item.label.toLowerCase().includes(search.toLowerCase()) ||
+    item.description.toLowerCase().includes(search.toLowerCase())
+  );
+
+  const displayItems = activeFilter === 'favorites'
+    ? filtered.filter(i => favorites.has(i.id))
+    : activeFilter === 'recent'
+    ? filtered.filter(i => recentComponents.includes(i.id)).sort((a, b) => recentComponents.indexOf(a.id) - recentComponents.indexOf(b.id))
+    : filtered;
+
+  return (
+    <div className="left-panel" style={{ width }}>
+      <div className="panel-header">
+        <span className="panel-title">Components</span>
+      </div>
+
+      <div className="left-panel-search">
+        <Search size={14} className="search-icon" />
+        <input
+          type="text"
+          placeholder="Search components..."
+          value={search}
+          onChange={e => setSearch(e.target.value)}
+        />
+      </div>
+
+      <div className="left-panel-filters">
+        <button className={`filter-btn ${activeFilter === 'all' ? 'active' : ''}`} onClick={() => setActiveFilter('all')}>All</button>
+        <button className={`filter-btn ${activeFilter === 'favorites' ? 'active' : ''}`} onClick={() => setActiveFilter('favorites')}>
+          <Star size={11} /> Favorites
+        </button>
+        <button className={`filter-btn ${activeFilter === 'recent' ? 'active' : ''}`} onClick={() => setActiveFilter('recent')}>
+          <Clock size={11} /> Recent
+        </button>
+      </div>
+
+      <div className="left-panel-content">
+        {activeFilter === 'all' && !search ? (
+          componentCategories.map(cat => {
+            const catItems = displayItems.filter(i => i.category === cat.id);
+            if (catItems.length === 0) return null;
+            const isExpanded = expandedCategories.has(cat.id);
+            return (
+              <div key={cat.id} className="component-category">
+                <div className="category-header" onClick={() => toggleCategory(cat.id)}>
+                  {isExpanded ? <ChevronDown size={14} /> : <ChevronRight size={14} />}
+                  <span className="category-icon">{cat.icon}</span>
+                  <span className="category-label">{cat.label}</span>
+                  <span className="category-count">{catItems.length}</span>
+                </div>
+                {isExpanded && (
+                  <div className="category-items">
+                    {catItems.map(item => (
+                      <div
+                        key={item.id}
+                        className="component-item"
+                        draggable
+                        onDragStart={e => onDragStart(e, item)}
+                        onMouseEnter={e => showTooltip(item, e)}
+                        onMouseLeave={hideTooltip}
+                      >
+                        <GripVertical size={12} className="drag-handle" />
+                        <span className="component-icon">{item.icon}</span>
+                        <span className="component-label">{item.label}</span>
+                        <button className={`fav-btn ${favorites.has(item.id) ? 'active' : ''}`} onClick={e => toggleFavorite(item.id, e)}>
+                          <Star size={11} />
+                        </button>
+                      </div>
+                    ))}
+                  </div>
+                )}
+              </div>
+            );
+          })
+        ) : (
+          <div className="category-items flat">
+            {displayItems.map(item => (
+              <div
+                key={item.id}
+                className="component-item"
+                draggable
+                onDragStart={e => onDragStart(e, item)}
+                onMouseEnter={e => showTooltip(item, e)}
+                onMouseLeave={hideTooltip}
+              >
+                <GripVertical size={12} className="drag-handle" />
+                <span className="component-icon">{item.icon}</span>
+                <span className="component-label">{item.label}</span>
+                <span className="component-category-badge">
+                  {componentCategories.find(c => c.id === item.category)?.label}
+                </span>
+                <button className={`fav-btn ${favorites.has(item.id) ? 'active' : ''}`} onClick={e => toggleFavorite(item.id, e)}>
+                  <Star size={11} />
+                </button>
+              </div>
+            ))}
+            {displayItems.length === 0 && (
+              <div className="empty-state">
+                {activeFilter === 'recent' ? 'No recently used components. Drag a component to the canvas to see it here.' : 'No matching components found.'}
+              </div>
+            )}
+          </div>
+        )}
+      </div>
+
+      {tooltipItem && (
+        <div className="component-tooltip" style={{ top: tooltipPos.y, left: tooltipPos.x }}>
+          <div className="tooltip-header">{tooltipItem.icon} {tooltipItem.label}</div>
+          <div className="tooltip-desc">{tooltipItem.description}</div>
+          <div className="tooltip-meta">
+            <span className="tooltip-cat" style={{ color: tooltipItem.color }}>
+              {componentCategories.find(c => c.id === tooltipItem.category)?.label}
+            </span>
+          </div>
+        </div>
+      )}
+    </div>
+  );
+}

src/components/RightPanel.tsx

@@ -0,0 +1,370 @@
+import { useState, useRef, useEffect } from 'react';
+import {
+  Send, Sparkles, Wrench, ShieldCheck, Route, FileText,
+  Landmark, AlertTriangle, BookOpen, ChevronDown, Plus,
+  Zap, RefreshCw, FileOutput, MessageSquare,
+  History, Target
+} from 'lucide-react';
+import type { Agent, ChatMessage, ConversationScope, ComponentItem } from '../types';
+import { sampleMessages, sampleThreads } from '../data/sampleData';
+import { componentItems } from '../data/components';
+import type { Node, Edge } from '@xyflow/react';
+
+const agents: { id: Agent; icon: typeof Sparkles; color: string }[] = [
+  { id: 'Builder', icon: Sparkles, color: '#3b82f6' },
+  { id: 'Compliance', icon: ShieldCheck, color: '#22c55e' },
+  { id: 'Routing', icon: Route, color: '#f97316' },
+  { id: 'ISO-20022', icon: FileText, color: '#a855f7' },
+  { id: 'Settlement', icon: Landmark, color: '#eab308' },
+  { id: 'Risk', icon: AlertTriangle, color: '#ef4444' },
+  { id: 'Documentation', icon: BookOpen, color: '#6b7280' },
+];
+
+interface RightPanelProps {
+  width: number;
+  nodes: Node[];
+  edges: Edge[];
+  selectedNodes: Node[];
+  chatInputRef: React.RefObject<HTMLInputElement | null>;
+  onInsertBlock: (item: ComponentItem, position: { x: number; y: number }) => void;
+  onRunValidation: () => void;
+  onOptimizeRoute: () => void;
+  onRunCompliance: () => void;
+  onGenerateSettlement: () => void;
+}
+
+export default function RightPanel({
+  width, nodes, edges, selectedNodes, chatInputRef,
+  onInsertBlock, onRunValidation, onOptimizeRoute, onRunCompliance, onGenerateSettlement,
+}: RightPanelProps) {
+  const [activeAgent, setActiveAgent] = useState<Agent>('Builder');
+  const [messages, setMessages] = useState<ChatMessage[]>(sampleMessages);
+  const [input, setInput] = useState('');
+  const [showAgentMenu, setShowAgentMenu] = useState(false);
+  const [showContext, setShowContext] = useState(false);
+  const [showThreads, setShowThreads] = useState(false);
+  const [scope, setScope] = useState<ConversationScope>('full-transaction');
+  const [showScopeMenu, setShowScopeMenu] = useState(false);
+  const messagesEnd = useRef<HTMLDivElement>(null);
+
+  useEffect(() => {
+    messagesEnd.current?.scrollIntoView({ behavior: 'smooth' });
+  }, [messages]);
+
+  const getCanvasContext = () => {
+    const nodeLabels = nodes.map(n => (n.data as Record<string, unknown>).label as string);
+    const categories = [...new Set(nodes.map(n => (n.data as Record<string, unknown>).category as string))];
+    const hasCompliance = categories.includes('compliance');
+    const hasRouting = categories.includes('routing');
+    const disconnected = nodes.filter(n => !edges.some(e => e.source === n.id || e.target === n.id));
+    const selectedLabels = selectedNodes.map(n => (n.data as Record<string, unknown>).label as string);
+    return { nodeLabels, categories, hasCompliance, hasRouting, disconnected, selectedLabels, nodeCount: nodes.length, edgeCount: edges.length };
+  };
+
+  const sendMessage = () => {
+    if (!input.trim()) return;
+    const userMsg: ChatMessage = {
+      id: Date.now().toString(),
+      agent: 'User',
+      content: input,
+      timestamp: new Date(),
+      type: 'user',
+    };
+    setMessages(prev => [...prev, userMsg]);
+    const capturedInput = input;
+    setInput('');
+
+    setTimeout(() => {
+      const ctx = getCanvasContext();
+      const buildResponse = (): string => {
+        const lowerInput = capturedInput.toLowerCase();
+
+        switch (activeAgent) {
+          case 'Builder': {
+            if (selectedNodes.length > 0) {
+              const sel = (selectedNodes[0].data as Record<string, unknown>).label as string;
+              if (lowerInput.includes('explain')) return `The "${sel}" block ${getBlockExplanation(sel)}. It currently has ${edges.filter(e => e.source === selectedNodes[0].id || e.target === selectedNodes[0].id).length} connection(s).`;
+              if (lowerInput.includes('next') || lowerInput.includes('suggest')) return `After "${sel}", I recommend adding a ${suggestNextBlock(sel)}. This would complete the ${(selectedNodes[0].data as Record<string, unknown>).category} flow.`;
+            }
+            if (lowerInput.includes('build') || lowerInput.includes('create') || lowerInput.includes('set up') || lowerInput.includes('payment')) {
+              if (ctx.nodeCount === 0) return `To build a transaction flow, start by dragging a "Fiat Account" or "Stablecoin Wallet" from the left panel as your source. Then add a "${capturedInput.includes('swap') ? 'Swap' : 'Transfer'}" action and connect them.`;
+              return `Your graph has ${ctx.nodeCount} nodes. Try dragging a "${capturedInput.includes('swap') ? 'Swap' : 'Transfer'}" block onto the canvas and connecting it to your source.`;
+            }
+            if (ctx.disconnected.length > 0) return `I notice ${ctx.disconnected.length} disconnected node(s) in your graph: ${ctx.disconnected.map(n => (n.data as Record<string, unknown>).label).join(', ')}. Connect them to complete the flow.`;
+            return `I can help you build that flow. Try dragging a "${capturedInput.includes('swap') ? 'Swap' : 'Transfer'}" block onto the canvas and connecting it to your source. Your graph currently has ${ctx.nodeCount} nodes and ${ctx.edgeCount} connections.`;
+          }
+          case 'Compliance': {
+            if (lowerInput.includes('check') || lowerInput.includes('compliance') || lowerInput.includes('review')) {
+              if (!ctx.hasCompliance && ctx.nodeCount > 0) return `WARNING: Your transaction graph has ${ctx.nodeCount} nodes but no compliance checks. I recommend adding KYC and AML nodes before the settlement step. This is required for cross-border transactions.`;
+              if (ctx.hasCompliance) return `Running compliance check on the current graph. No policy violations detected for the selected jurisdiction. ${ctx.nodeCount} nodes verified against 47 compliance rules.`;
+              return `Running compliance check on the current graph. No policy violations detected for the selected jurisdiction.`;
+            }
+            if (lowerInput.includes('violation') || lowerInput.includes('failure')) return `Scanning graph for policy violations... ${ctx.hasCompliance ? 'All compliance nodes are properly configured. No violations found.' : 'No compliance nodes found in graph. Consider adding KYC/AML checks.'}`;
+            return `Running compliance check on the current graph. No policy violations detected for the selected jurisdiction.`;
+          }
+          case 'Routing': {
+            if (ctx.hasRouting) return `Analyzing ${ctx.nodeCount} nodes with routing configuration. Found optimal path via ${ctx.nodeLabels.find(l => l.includes('Route') || l.includes('Router')) || 'Banking Rail'}. Estimated fee: 0.02%, latency: 230ms.`;
+            return `Analyzing optimal routes... Found 3 execution paths. The best route via Banking Rail offers lowest fees at 0.02%. Your graph has ${ctx.nodeCount} nodes across ${ctx.edgeCount} connections.`;
+          }
+          case 'ISO-20022': {
+            if (ctx.nodeCount > 0) return `Based on your graph with ${ctx.nodeCount} nodes, I can generate a pain.001 message. The required fields from your current configuration: debtor (${ctx.nodeLabels[0] || 'source'}), creditor (${ctx.nodeLabels[ctx.nodeLabels.length - 1] || 'destination'}), amount, and currency.`;
+            return `I can generate a pain.001 message for this transfer. The required fields based on your current graph are: debtor, creditor, amount, and currency.`;
+          }
+          case 'Settlement': {
+            return `Current settlement window for this transaction type is T+1. ${ctx.nodeCount > 0 ? `Your graph has ${ctx.nodeCount} nodes ready for settlement processing.` : 'I recommend adding a settlement instruction block to specify your preferred CSD.'}`;
+          }
+          case 'Risk': {
+            if (ctx.nodeCount > 0) {
+              const riskLevel = ctx.hasCompliance ? 'LOW' : 'MEDIUM';
+              return `Risk assessment: ${riskLevel}. ${ctx.nodeCount} nodes evaluated. ${ctx.hasCompliance ? 'Compliance checks present.' : 'No compliance nodes — risk elevated.'} ${ctx.disconnected.length > 0 ? `${ctx.disconnected.length} disconnected node(s) detected.` : 'All nodes connected.'}`;
+            }
+            return `Risk assessment: LOW. Transaction amount is within normal parameters. No counterparty risk flags detected.`;
+          }
+          case 'Documentation': {
+            if (ctx.nodeCount > 0) return `Generating deal memo for "${ctx.nodeLabels[0]}" flow with ${ctx.nodeCount} nodes. Categories: ${ctx.categories.join(', ')}. ${ctx.edgeCount} connections mapped. ${ctx.hasCompliance ? 'Compliance: verified.' : 'Compliance: not yet added.'}`;
+            return `I'll generate a deal memo for this transaction. It will include the execution path, compliance checks, and settlement instructions.`;
+          }
+          default:
+            return 'How can I assist you?';
+        }
+      };
+
+      const reply: ChatMessage = {
+        id: (Date.now() + 1).toString(),
+        agent: activeAgent,
+        content: buildResponse(),
+        timestamp: new Date(),
+        type: 'agent',
+      };
+      setMessages(prev => [...prev, reply]);
+    }, 800);
+  };
+
+  const currentAgentDef = agents.find(a => a.id === activeAgent)!;
+  const CurrentIcon = currentAgentDef.icon;
+
+  const scopeLabels: Record<ConversationScope, string> = {
+    'current-node': 'Current Node',
+    'current-flow': 'Current Flow',
+    'full-transaction': 'Full Transaction',
+    'terminal': 'Terminal',
+    'compliance': 'Compliance Only',
+  };
+
+  // Context from canvas
+  const ctx = getCanvasContext();
+
+  const handleInsertBlock = () => {
+    const suggestions = ['transfer', 'kyc', 'banking-rail'];
+    const item = componentItems.find(c => c.id === suggestions[Math.floor(Math.random() * suggestions.length)]);
+    if (item) onInsertBlock(item, { x: 250 + Math.random() * 200, y: 150 + Math.random() * 200 });
+  };
+
+  return (
+    <div className="right-panel" style={{ width }}>
+      <div className="panel-header">
+        <div className="chat-header-agent" onClick={() => setShowAgentMenu(!showAgentMenu)}>
+          <CurrentIcon size={14} color={currentAgentDef.color} />
+          <span>{activeAgent} Agent</span>
+          <ChevronDown size={12} />
+          {showAgentMenu && (
+            <div className="agent-dropdown">
+              {agents.map(a => {
+                const Icon = a.icon;
+                return (
+                  <div
+                    key={a.id}
+                    className={`agent-option ${a.id === activeAgent ? 'active' : ''}`}
+                    onClick={(e) => { e.stopPropagation(); setActiveAgent(a.id); setShowAgentMenu(false); }}
+                  >
+                    <Icon size={14} color={a.color} />
+                    <span>{a.id}</span>
+                  </div>
+                );
+              })}
+            </div>
+          )}
+        </div>
+        <div className="chat-header-actions">
+          <div className="scope-selector" onClick={() => setShowScopeMenu(!showScopeMenu)}>
+            <Target size={11} />
+            <span>{scopeLabels[scope]}</span>
+            <ChevronDown size={10} />
+            {showScopeMenu && (
+              <div className="scope-dropdown">
+                {(Object.keys(scopeLabels) as ConversationScope[]).map(s => (
+                  <div
+                    key={s}
+                    className={`scope-option ${s === scope ? 'active' : ''}`}
+                    onClick={e => { e.stopPropagation(); setScope(s); setShowScopeMenu(false); }}
+                  >
+                    {scopeLabels[s]}
+                  </div>
+                ))}
+              </div>
+            )}
+          </div>
+          <button
+            className={`icon-btn-xs ${showThreads ? 'active' : ''}`}
+            onClick={() => setShowThreads(!showThreads)}
+            title="Thread History"
+          >
+            <History size={12} />
+          </button>
+          <button
+            className={`context-toggle ${showContext ? 'active' : ''}`}
+            onClick={() => setShowContext(!showContext)}
+            title="Toggle context panel"
+          >
+            Context
+          </button>
+        </div>
+      </div>
+
+      <div className="agent-tabs">
+        {agents.map(a => {
+          const Icon = a.icon;
+          return (
+            <button
+              key={a.id}
+              className={`agent-tab ${a.id === activeAgent ? 'active' : ''}`}
+              onClick={() => setActiveAgent(a.id)}
+              title={a.id}
+              style={a.id === activeAgent ? { borderBottomColor: a.color } : {}}
+            >
+              <Icon size={13} color={a.id === activeAgent ? a.color : '#666'} />
+            </button>
+          );
+        })}
+      </div>
+
+      {showThreads && (
+        <div className="thread-history">
+          <div className="thread-history-header">Thread History</div>
+          {sampleThreads.map(t => (
+            <div key={t.id} className="thread-item" onClick={() => setShowThreads(false)}>
+              <MessageSquare size={12} color={agents.find(a => a.id === t.agent)?.color} />
+              <div className="thread-item-content">
+                <span className="thread-item-title">{t.title}</span>
+                <span className="thread-item-meta">{t.agent} · {t.messageCount} messages</span>
+              </div>
+            </div>
+          ))}
+        </div>
+      )}
+
+      {showContext && (
+        <div className="context-panel">
+          <div className="context-section">
+            <span className="context-label">Selected</span>
+            <span className="context-value">{ctx.selectedLabels.length > 0 ? ctx.selectedLabels.join(', ') : 'None'}</span>
+          </div>
+          <div className="context-section">
+            <span className="context-label">Nodes</span>
+            <span className="context-value">{ctx.nodeCount}</span>
+          </div>
+          <div className="context-section">
+            <span className="context-label">Connections</span>
+            <span className="context-value">{ctx.edgeCount}</span>
+          </div>
+          <div className="context-section">
+            <span className="context-label">Jurisdiction</span>
+            <span className="context-value">Multi</span>
+          </div>
+          <div className="context-section">
+            <span className="context-label">Counterparties</span>
+            <span className="context-value">{ctx.nodeCount > 0 ? Math.max(1, Math.floor(ctx.nodeCount / 3)) : 0}</span>
+          </div>
+          <div className="context-section">
+            <span className="context-label">Compliance</span>
+            <span className={`context-value ${ctx.hasCompliance ? 'pass' : (ctx.nodeCount > 0 ? 'warn' : '')}`}>
+              {ctx.hasCompliance ? 'Pass' : (ctx.nodeCount > 0 ? 'Missing' : 'N/A')}
+            </span>
+          </div>
+          <div className="context-section">
+            <span className="context-label">Categories</span>
+            <span className="context-value">{ctx.categories.length > 0 ? ctx.categories.join(', ') : '—'}</span>
+          </div>
+          <div className="context-section">
+            <span className="context-label">Est. Fees</span>
+            <span className="context-value">{ctx.nodeCount > 0 ? '$0.02%' : '—'}</span>
+          </div>
+        </div>
+      )}
+
+      <div className="chat-messages">
+        {messages.map(msg => (
+          <div key={msg.id} className={`chat-message ${msg.type}`}>
+            <div className="message-header">
+              <span className="message-agent">{msg.agent}</span>
+              <span className="message-time">
+                {msg.timestamp.toLocaleTimeString([], { hour: '2-digit', minute: '2-digit' })}
+              </span>
+            </div>
+            <div className="message-content">{msg.content}</div>
+          </div>
+        ))}
+        <div ref={messagesEnd} />
+      </div>
+
+      <div className="action-tray">
+        <button className="action-tray-btn" title="Insert recommended block" onClick={handleInsertBlock}>
+          <Plus size={12} /> Insert Block
+        </button>
+        <button className="action-tray-btn" title="Repair graph" onClick={onRunValidation}>
+          <Wrench size={12} /> Repair
+        </button>
+        <button className="action-tray-btn" title="Optimize route" onClick={onOptimizeRoute}>
+          <Zap size={12} /> Optimize
+        </button>
+        <button className="action-tray-btn" title="Run compliance" onClick={onRunCompliance}>
+          <ShieldCheck size={12} /> Comply
+        </button>
+        <button className="action-tray-btn" title="Generate settlement message" onClick={onGenerateSettlement}>
+          <FileOutput size={12} /> Settle
+        </button>
+        <button className="action-tray-btn" title="Refresh context" onClick={() => setShowContext(true)}>
+          <RefreshCw size={12} />
+        </button>
+      </div>
+
+      <div className="chat-input-area">
+        <input
+          ref={chatInputRef}
+          type="text"
+          placeholder={`Ask ${activeAgent} Agent...`}
+          value={input}
+          onChange={e => setInput(e.target.value)}
+          onKeyDown={e => e.key === 'Enter' && sendMessage()}
+        />
+        <button className="send-btn" onClick={sendMessage} disabled={!input.trim()}>
+          <Send size={14} />
+        </button>
+      </div>
+    </div>
+  );
+}
+
+function getBlockExplanation(label: string): string {
+  const explanations: Record<string, string> = {
+    'Fiat Account': 'represents a traditional fiat currency account, typically used as a source or destination for fund transfers',
+    'Transfer': 'moves value from one account to another along a defined path',
+    'KYC': 'performs Know Your Customer verification before allowing the transaction to proceed',
+    'AML': 'runs Anti-Money Laundering screening against watchlists',
+    'Swap': 'exchanges one asset type for another at the current market rate',
+    'Banking Rail': 'routes the transaction through traditional banking infrastructure',
+  };
+  return explanations[label] || 'is a transaction primitive used in flow composition';
+}
+
+function suggestNextBlock(label: string): string {
+  const suggestions: Record<string, string> = {
+    'Fiat Account': 'Transfer or Convert block',
+    'Transfer': 'KYC compliance check',
+    'KYC': 'AML screening node',
+    'AML': 'Banking Rail or DEX Route',
+    'Swap': 'Settlement instruction',
+    'Banking Rail': 'Settlement instruction',
+  };
+  return suggestions[label] || 'compliance or routing node';
+}

src/components/TitleBar.tsx

@@ -0,0 +1,166 @@
+import { useState } from 'react';
+import {
+  Search, Bell, ChevronDown, Play, FlaskConical, ShieldCheck, Zap,
+  Command, User, LogOut, Settings, Shield
+} from 'lucide-react';
+import type { SessionMode } from '../types';
+import { sampleNotifications } from '../data/sampleData';
+
+const modeColors: Record<SessionMode, string> = {
+  Sandbox: '#eab308',
+  Simulate: '#3b82f6',
+  Live: '#22c55e',
+  'Compliance Review': '#a855f7',
+};
+
+interface TitleBarProps {
+  mode: SessionMode;
+  onModeChange: (mode: SessionMode) => void;
+  onToggleCommandPalette: () => void;
+  onValidate: () => void;
+  onSimulate: () => void;
+  onExecute: () => void;
+}
+
+export default function TitleBar({ mode, onModeChange, onToggleCommandPalette, onValidate, onSimulate, onExecute }: TitleBarProps) {
+  const [showModeMenu, setShowModeMenu] = useState(false);
+  const [showNotifications, setShowNotifications] = useState(false);
+  const [showUserMenu, setShowUserMenu] = useState(false);
+  const [notifications, setNotifications] = useState(sampleNotifications);
+
+  const modes: SessionMode[] = ['Sandbox', 'Simulate', 'Live', 'Compliance Review'];
+  const unreadCount = notifications.filter(n => !n.read).length;
+
+  const markAllRead = () => {
+    setNotifications(prev => prev.map(n => ({ ...n, read: true })));
+  };
+
+  const notifTypeColors: Record<string, string> = {
+    info: '#3b82f6',
+    success: '#22c55e',
+    warning: '#eab308',
+    error: '#ef4444',
+  };
+
+  return (
+    <div className="title-bar">
+      <div className="title-bar-left">
+        <div className="title-bar-logo">
+          <Zap size={18} color="#3b82f6" />
+          <span className="title-bar-name">TransactFlow</span>
+        </div>
+        <div className="title-bar-separator" />
+        <span className="title-bar-workspace">Institutional Workspace</span>
+        <div className="title-bar-separator" />
+        <div className="mode-selector" onClick={() => setShowModeMenu(!showModeMenu)}>
+          <div className="mode-dot" style={{ background: modeColors[mode] }} />
+          <span>{mode}</span>
+          <ChevronDown size={12} />
+          {showModeMenu && (
+            <div className="mode-dropdown">
+              {modes.map(m => (
+                <div
+                  key={m}
+                  className={`mode-option ${m === mode ? 'active' : ''}`}
+                  onClick={(e) => { e.stopPropagation(); onModeChange(m); setShowModeMenu(false); }}
+                >
+                  <div className="mode-dot" style={{ background: modeColors[m] }} />
+                  {m}
+                </div>
+              ))}
+            </div>
+          )}
+        </div>
+      </div>
+
+      <div className="title-bar-center">
+        <button className="title-bar-search" onClick={onToggleCommandPalette}>
+          <Search size={13} />
+          <span>Search or run command...</span>
+          <kbd>Ctrl+K</kbd>
+        </button>
+      </div>
+
+      <div className="title-bar-right">
+        <button className="title-bar-action validate" title="Validate (Ctrl+Shift+V)" onClick={onValidate}>
+          <ShieldCheck size={15} />
+          <span>Validate</span>
+        </button>
+        <button className="title-bar-action simulate" title="Simulate (Ctrl+Shift+S)" onClick={onSimulate}>
+          <FlaskConical size={15} />
+          <span>Simulate</span>
+        </button>
+        <button className="title-bar-action execute" title="Execute (Ctrl+Shift+E)" onClick={onExecute}>
+          <Play size={15} />
+          <span>Execute</span>
+        </button>
+        <div className="title-bar-separator" />
+
+        {/* Notification bell with dropdown */}
+        <div className="notification-wrapper">
+          <button className="icon-btn" title="Notifications" onClick={() => { setShowNotifications(!showNotifications); setShowUserMenu(false); }}>
+            <Bell size={16} />
+            {unreadCount > 0 && <span className="notification-badge">{unreadCount}</span>}
+          </button>
+          {showNotifications && (
+            <div className="notification-dropdown">
+              <div className="notification-dropdown-header">
+                <span>Notifications</span>
+                {unreadCount > 0 && (
+                  <button className="mark-read-btn" onClick={markAllRead}>Mark all read</button>
+                )}
+              </div>
+              {notifications.map(n => (
+                <div key={n.id} className={`notification-item ${n.read ? 'read' : ''}`} onClick={() => setNotifications(prev => prev.map(x => x.id === n.id ? { ...x, read: true } : x))}>
+                  <div className="notification-dot" style={{ background: notifTypeColors[n.type] }} />
+                  <div className="notification-content">
+                    <span className="notification-title">{n.title}</span>
+                    <span className="notification-message">{n.message}</span>
+                    <span className="notification-time">{n.timestamp.toLocaleTimeString([], { hour: '2-digit', minute: '2-digit' })}</span>
+                  </div>
+                </div>
+              ))}
+            </div>
+          )}
+        </div>
+
+        <button className="icon-btn" title="Command Palette" onClick={onToggleCommandPalette}>
+          <Command size={16} />
+        </button>
+
+        {/* User menu with dropdown */}
+        <div className="user-menu-wrapper">
+          <button className="icon-btn user-btn" title="User Settings" onClick={() => { setShowUserMenu(!showUserMenu); setShowNotifications(false); }}>
+            <User size={16} />
+          </button>
+          {showUserMenu && (
+            <div className="user-menu-dropdown">
+              <div className="user-menu-profile">
+                <div className="user-avatar">JD</div>
+                <div>
+                  <div className="user-name">Jane Doe</div>
+                  <div className="user-role">Admin · Compliance Officer</div>
+                </div>
+              </div>
+              <div className="user-menu-divider" />
+              <div className="user-menu-item">
+                <User size={13} /> <span>Profile</span>
+              </div>
+              <div className="user-menu-item">
+                <Settings size={13} /> <span>Settings</span>
+              </div>
+              <div className="user-menu-item">
+                <Shield size={13} /> <span>Permissions</span>
+                <span className="user-menu-badge">Admin</span>
+              </div>
+              <div className="user-menu-divider" />
+              <div className="user-menu-item logout">
+                <LogOut size={13} /> <span>Sign Out</span>
+              </div>
+            </div>
+          )}
+        </div>
+      </div>
+    </div>
+  );
+}

src/components/TransactionNode.tsx

@@ -0,0 +1,54 @@
+import { memo } from 'react';
+import { Handle, Position, type NodeProps } from '@xyflow/react';
+import { AlertTriangle, CheckCircle2, XCircle, Shield } from 'lucide-react';
+
+type TransactionNodeData = {
+  label: string;
+  category: string;
+  icon: string;
+  color: string;
+  status?: 'valid' | 'warning' | 'error';
+};
+
+const complianceCategories = ['compliance'];
+const routingCategories = ['routing'];
+
+function TransactionNodeComponent({ data, selected }: NodeProps) {
+  const nodeData = data as unknown as TransactionNodeData;
+  const statusIcon = nodeData.status === 'valid' ? <CheckCircle2 size={10} color="#22c55e" /> :
+    nodeData.status === 'warning' ? <AlertTriangle size={10} color="#eab308" /> :
+    nodeData.status === 'error' ? <XCircle size={10} color="#ef4444" /> : null;
+
+  const isCompliance = complianceCategories.includes(nodeData.category);
+  const isRouting = routingCategories.includes(nodeData.category);
+
+  return (
+    <div className={`transaction-node ${selected ? 'selected' : ''} ${nodeData.status ? `status-${nodeData.status}` : ''}`}
+      style={{ borderColor: selected ? '#3b82f6' : nodeData.color + '60' }}>
+      <Handle type="target" position={Position.Left} className="node-handle" />
+      <div className="node-header" style={{ borderBottomColor: nodeData.color + '30' }}>
+        <span className="node-icon">{nodeData.icon}</span>
+        <span className="node-label">{nodeData.label}</span>
+        <div className="node-badges">
+          {isCompliance && (
+            <span className="node-badge compliance" title="Compliance node">
+              <Shield size={8} />
+            </span>
+          )}
+          {isRouting && (
+            <span className="node-badge routing" title="Routing node">
+              🔀
+            </span>
+          )}
+          {statusIcon && <span className="node-status">{statusIcon}</span>}
+        </div>
+      </div>
+      <div className="node-body">
+        <span className="node-category" style={{ color: nodeData.color }}>{nodeData.category}</span>
+      </div>
+      <Handle type="source" position={Position.Right} className="node-handle" />
+    </div>
+  );
+}
+
+export default memo(TransactionNodeComponent);

src/components/portal/BackendStatusBar.tsx

@@ -0,0 +1,52 @@
+import { useEffect, useState } from 'react';
+import { Circle, AlertCircle, CheckCircle2, MinusCircle } from 'lucide-react';
+import { backendCatalog, type BackendDescriptor, type BackendStatus } from '../../config/endpoints';
+import { getChainHealth } from '../../services/chain138';
+import { getExplorerStats } from '../../services/explorer';
+
+const STATUS_STYLE: Record<BackendStatus, { color: string; label: string; Icon: typeof CheckCircle2 }> = {
+  live: { color: '#22c55e', label: 'Live', Icon: CheckCircle2 },
+  'bff-required': { color: '#eab308', label: 'BFF required', Icon: AlertCircle },
+  mocked: { color: '#6b7280', label: 'Mocked', Icon: MinusCircle },
+  degraded: { color: '#ef4444', label: 'Degraded', Icon: AlertCircle },
+};
+
+export default function BackendStatusBar() {
+  const [probed, setProbed] = useState<Record<string, BackendStatus>>({});
+
+  useEffect(() => {
+    let cancelled = false;
+    (async () => {
+      const results = await Promise.allSettled([
+        getChainHealth().then(() => 'live' as const),
+        getExplorerStats().then(() => 'live' as const),
+      ]);
+      if (cancelled) return;
+      setProbed({
+        chain138: results[0].status === 'fulfilled' ? 'live' : 'degraded',
+        explorer: results[1].status === 'fulfilled' ? 'live' : 'degraded',
+      });
+    })();
+    return () => { cancelled = true; };
+  }, []);
+
+  const withProbed = (b: BackendDescriptor): BackendDescriptor => ({
+    ...b,
+    status: probed[b.id] ?? b.status,
+  });
+
+  return (
+    <div className="backend-status-bar" style={{ display: 'flex', gap: 10, flexWrap: 'wrap', padding: '6px 12px', background: 'rgba(17,24,39,0.6)', borderRadius: 8, border: '1px solid rgba(75,85,99,0.3)', alignItems: 'center', fontSize: 11 }}>
+      <Circle size={8} style={{ color: '#9ca3af', fill: '#9ca3af' }} />
+      <span style={{ color: '#9ca3af', fontWeight: 600, textTransform: 'uppercase', letterSpacing: 0.5 }}>Backends</span>
+      {backendCatalog.map(withProbed).map(b => {
+        const s = STATUS_STYLE[b.status];
+        return (
+          <span key={b.id} title={`${b.name} — ${b.note}\n${b.url}`} style={{ display: 'inline-flex', alignItems: 'center', gap: 4, padding: '2px 8px', borderRadius: 12, background: `${s.color}18`, color: s.color, cursor: 'help' }}>
+            <s.Icon size={11} /> {b.name} <span style={{ opacity: 0.7 }}>· {s.label}</span>
+          </span>
+        );
+      })}
+    </div>
+  );
+}

src/components/portal/LiveChainBanner.tsx

@@ -0,0 +1,50 @@
+import { useLiveChain } from '../../hooks/useLiveChain';
+import { endpoints } from '../../config/endpoints';
+import { Zap } from 'lucide-react';
+
+/**
+ * Slim one-line banner suitable for embedding above dense UIs (e.g. the
+ * transaction-builder canvas). Shows chain health + block + gas.
+ * Flips to a red "RPC degraded" state on polling failure so you don't
+ * accidentally compose a tx against a dead endpoint.
+ */
+export default function LiveChainBanner() {
+  const { health, error, lastUpdated } = useLiveChain();
+  const ok = !error && !!health;
+  return (
+    <div
+      style={{
+        display: 'flex',
+        alignItems: 'center',
+        gap: 12,
+        flexWrap: 'wrap',
+        padding: '6px 12px',
+        fontSize: 11,
+        background: ok ? 'rgba(34,197,94,0.06)' : error ? 'rgba(239,68,68,0.08)' : 'rgba(148,163,184,0.06)',
+        borderBottom: '1px solid rgba(255,255,255,0.05)',
+      }}
+    >
+      <Zap size={12} style={{ color: ok ? '#22c55e' : error ? '#ef4444' : '#6b7280' }} />
+      <span style={{ color: '#cbd5e1' }}>
+        Chain {endpoints.chain138.chainId} ({endpoints.chain138.name})
+      </span>
+      <span style={{ color: ok ? '#22c55e' : error ? '#ef4444' : '#eab308' }}>
+        {error ? `● RPC degraded · ${error}` : ok ? '● LIVE' : '○ connecting…'}
+      </span>
+      {ok && (
+        <>
+          <span className="mono" style={{ color: '#6b7280' }}>block</span>
+          <span className="mono">{health.blockNumber.toLocaleString()}</span>
+          <span className="mono" style={{ color: '#6b7280' }}>gas</span>
+          <span className="mono">{health.gasPriceGwei.toFixed(4)} gwei</span>
+          <span className="mono" style={{ color: '#6b7280' }}>rpc</span>
+          <span className="mono">{health.latencyMs}ms</span>
+        </>
+      )}
+      <span style={{ marginLeft: 'auto', color: '#6b7280' }}>
+        rpc: <a href={endpoints.chain138.rpcUrl} target="_blank" rel="noreferrer" style={{ color: '#60a5fa' }}>{endpoints.chain138.rpcUrl}</a>
+        {lastUpdated && <span style={{ marginLeft: 8 }}>· {lastUpdated.toLocaleTimeString()}</span>}
+      </span>
+    </div>
+  );
+}

src/components/portal/LiveNetworkPanel.tsx

@@ -0,0 +1,73 @@
+import { Activity, Box, Cpu, ExternalLink, Gauge, Radio, RefreshCw } from 'lucide-react';
+import { useLiveChain } from '../../hooks/useLiveChain';
+import { endpoints } from '../../config/endpoints';
+import { explorerBlockUrl } from '../../services/explorer';
+
+function ago(date: Date | null): string {
+  if (!date) return '—';
+  const s = Math.round((Date.now() - date.getTime()) / 1000);
+  if (s < 60) return `${s}s ago`;
+  const m = Math.floor(s / 60);
+  if (m < 60) return `${m}m ago`;
+  return `${Math.floor(m / 60)}h ago`;
+}
+
+export default function LiveNetworkPanel() {
+  const { health, latestBlock, stats, loading, error, lastUpdated, refresh } = useLiveChain();
+
+  const chainOk = health && health.chainId === endpoints.chain138.chainId;
+  const statusLabel = error ? 'degraded' : chainOk ? 'live' : loading ? 'connecting' : 'offline';
+  const statusColor = error ? '#ef4444' : chainOk ? '#22c55e' : loading ? '#eab308' : '#6b7280';
+
+  return (
+    <div className="dashboard-card live-network-panel">
+      <div className="card-header">
+        <h3>
+          <Radio size={16} style={{ color: statusColor }} /> Chain 138 — Live Network
+          <span className="status-pill" style={{ background: `${statusColor}22`, color: statusColor, marginLeft: 8, padding: '2px 8px', borderRadius: 10, fontSize: 10, textTransform: 'uppercase' }}>
+            {statusLabel}
+          </span>
+        </h3>
+        <div className="card-header-actions" style={{ display: 'flex', gap: 8, alignItems: 'center' }}>
+          <span style={{ fontSize: 11, color: '#9ca3af' }}>{ago(lastUpdated)}</span>
+          <button className="card-action" onClick={refresh} title="Refresh">
+            <RefreshCw size={12} />
+          </button>
+        </div>
+      </div>
+
+      <div className="live-network-grid" style={{ display: 'grid', gridTemplateColumns: 'repeat(auto-fit, minmax(140px, 1fr))', gap: 12, padding: '12px 16px' }}>
+        <Stat icon={<Box size={14} />} label="Latest block" mono value={health ? health.blockNumber.toLocaleString() : '—'} href={latestBlock ? explorerBlockUrl(latestBlock.number) : undefined} />
+        <Stat icon={<Cpu size={14} />} label="Chain ID" mono value={health ? `${health.chainId}` : '—'} />
+        <Stat icon={<Gauge size={14} />} label="Gas price" mono value={health ? `${health.gasPriceGwei.toFixed(2)} gwei` : '—'} />
+        <Stat icon={<Activity size={14} />} label="RPC latency" mono value={health ? `${health.latencyMs} ms` : '—'} />
+        <Stat icon={<Box size={14} />} label="Total blocks" mono value={stats ? stats.total_blocks.toLocaleString() : '—'} />
+        <Stat icon={<Activity size={14} />} label="Total txns" mono value={stats ? stats.total_transactions.toLocaleString() : '—'} />
+        <Stat icon={<Activity size={14} />} label="Txns today" mono value={stats ? stats.transactions_today.toLocaleString() : '—'} />
+        <Stat icon={<Cpu size={14} />} label="Addresses" mono value={stats ? stats.total_addresses.toLocaleString() : '—'} />
+      </div>
+
+      <div style={{ padding: '6px 16px 12px', fontSize: 11, color: '#6b7280', display: 'flex', justifyContent: 'space-between', gap: 12, flexWrap: 'wrap' }}>
+        <span>
+          RPC: <a href={endpoints.chain138.rpcUrl} target="_blank" rel="noreferrer" className="mono" style={{ color: '#9ca3af' }}>{endpoints.chain138.rpcUrl}</a>
+        </span>
+        <span>
+          Explorer: <a href={endpoints.chain138.blockExplorerUrl} target="_blank" rel="noreferrer" style={{ color: '#9ca3af' }}>{endpoints.chain138.blockExplorerUrl} <ExternalLink size={10} style={{ verticalAlign: 'middle' }} /></a>
+        </span>
+        {error && <span style={{ color: '#ef4444' }}>Error: {error}</span>}
+      </div>
+    </div>
+  );
+}
+
+function Stat({ icon, label, value, mono, href }: { icon: React.ReactNode; label: string; value: string; mono?: boolean; href?: string }) {
+  const valueEl = (
+    <span className={mono ? 'mono' : ''} style={{ fontSize: 15, fontWeight: 600 }}>{value}</span>
+  );
+  return (
+    <div style={{ display: 'flex', flexDirection: 'column', gap: 4, minWidth: 0 }}>
+      <span style={{ fontSize: 11, color: '#9ca3af', display: 'flex', alignItems: 'center', gap: 4 }}>{icon} {label}</span>
+      {href ? <a href={href} target="_blank" rel="noreferrer" style={{ color: '#60a5fa', textDecoration: 'none' }}>{valueEl}</a> : valueEl}
+    </div>
+  );
+}

src/components/portal/LiveTransactionsPanel.tsx

@@ -0,0 +1,92 @@
+import { useLatestTransactions } from '../../hooks/useLatestTransactions';
+import { explorerTxUrl, explorerAddressUrl, type ExplorerTx } from '../../services/explorer';
+import { formatEther } from 'ethers';
+import { Activity } from 'lucide-react';
+
+const shortHash = (h: string) => `${h.slice(0, 10)}…${h.slice(-6)}`;
+const shortAddr = (a: string) => `${a.slice(0, 6)}…${a.slice(-4)}`;
+const formatMETA = (wei: string) => {
+  try { return `${Number(formatEther(BigInt(wei))).toFixed(4)} META`; } catch { return `${wei} wei`; }
+};
+const relativeTime = (iso: string) => {
+  const then = new Date(iso).getTime();
+  const dt = Date.now() - then;
+  if (dt < 60_000) return `${Math.max(1, Math.round(dt / 1000))}s ago`;
+  if (dt < 3_600_000) return `${Math.round(dt / 60_000)}m ago`;
+  return `${Math.round(dt / 3_600_000)}h ago`;
+};
+
+interface Props {
+  /** Max rows to show (default 10). */
+  limit?: number;
+  /** Custom card header label — defaults to "Live Chain-138 Transactions". */
+  title?: string;
+}
+
+/**
+ * Renders the most recent on-chain transactions from SolaceScan.
+ * Degraded state shows the error message; empty state shows a one-liner.
+ * Links every hash/address to the explorer.
+ */
+export default function LiveTransactionsPanel({ limit = 10, title = 'Live Chain-138 Transactions' }: Props) {
+  const { transactions, loading, error, lastUpdated } = useLatestTransactions(limit);
+
+  return (
+    <div className="dashboard-card live-transactions-card">
+      <div className="card-header">
+        <h3><Activity size={16} /> {title}</h3>
+        <span className="small" style={{ color: '#6b7280' }}>
+          {error
+            ? <span style={{ color: '#ef4444' }}>RPC degraded · {error}</span>
+            : loading
+            ? 'loading…'
+            : `${transactions.length} tx · ${lastUpdated ? lastUpdated.toLocaleTimeString() : '—'}`}
+        </span>
+      </div>
+      <div className="live-transactions-list">
+        {!loading && transactions.length === 0 && !error && (
+          <div style={{ padding: 12, color: '#6b7280', fontSize: 12 }}>
+            No transactions returned yet — SolaceScan may be indexing.
+          </div>
+        )}
+        {transactions.map((tx: ExplorerTx) => (
+          <div
+            key={tx.hash}
+            className="live-tx-row"
+            style={{
+              display: 'grid',
+              gridTemplateColumns: '1.3fr 1fr 1fr 0.9fr 0.7fr 0.4fr',
+              gap: 8,
+              padding: '6px 12px',
+              borderBottom: '1px solid rgba(255,255,255,0.04)',
+              fontSize: 11,
+              alignItems: 'center',
+            }}
+          >
+            <a href={explorerTxUrl(tx.hash)} target="_blank" rel="noreferrer" className="mono" style={{ color: '#60a5fa' }}>
+              {shortHash(tx.hash)}
+            </a>
+            <a href={explorerAddressUrl(tx.from.hash)} target="_blank" rel="noreferrer" className="mono" style={{ color: '#cbd5e1' }}>
+              {shortAddr(tx.from.hash)}
+            </a>
+            <span className="mono" style={{ color: tx.to ? '#cbd5e1' : '#6b7280' }}>
+              {tx.to ? shortAddr(tx.to.hash) : '— contract create —'}
+            </span>
+            <span className="mono">{formatMETA(tx.value)}</span>
+            <span className="small" style={{ color: '#6b7280' }}>{relativeTime(tx.timestamp)}</span>
+            <span style={{
+              color: tx.status === 'error' ? '#ef4444' : tx.status === 'ok' ? '#22c55e' : '#eab308',
+              fontSize: 9,
+            }}>
+              {tx.status ?? 'pending'}
+            </span>
+          </div>
+        ))}
+      </div>
+      <div style={{ padding: '6px 12px', fontSize: 10, color: '#6b7280' }}>
+        Source: <a href="https://explorer.d-bis.org" target="_blank" rel="noreferrer" style={{ color: '#60a5fa' }}>SolaceScan Explorer</a>
+        {' · polls every 15s · Blockscout v2 /transactions'}
+      </div>
+    </div>
+  );
+}

src/components/portal/OnChainBalanceTag.tsx

@@ -0,0 +1,42 @@
+import type { OnChainBalance } from '../../services/chain138';
+import { endpoints } from '../../config/endpoints';
+import { explorerAddressUrl } from '../../services/explorer';
+
+interface Props {
+  address: string;
+  balance: OnChainBalance | undefined;
+  loading: boolean;
+  compact?: boolean;
+}
+
+/**
+ * Renders a small pill that flips between three states:
+ *   ● live · chain 138        — on-chain read succeeded
+ *   ○ fetching…               — initial RPC call in flight
+ *   ○ off-chain               — RPC call failed / empty state
+ *
+ * When `balance` is present, the pill becomes a link to the address page on
+ * SolaceScan. We never hide this tag once a walletAddress is present —
+ * otherwise there's no way to tell "not wired" apart from "backend is down".
+ */
+export default function OnChainBalanceTag({ address, balance, loading, compact }: Props) {
+  const color = balance ? '#22c55e' : loading ? '#eab308' : '#6b7280';
+  const label = balance ? `● live · chain ${endpoints.chain138.chainId}` : loading ? '○ fetching…' : '○ off-chain';
+  const href = explorerAddressUrl(address);
+  const style: React.CSSProperties = {
+    fontSize: compact ? 9 : 10,
+    color,
+    textDecoration: 'none',
+    letterSpacing: 0.2,
+  };
+  return (
+    <a href={href} target="_blank" rel="noreferrer" title={`View ${address} on SolaceScan`} style={style}>
+      {label}
+      {balance && (
+        <span className="mono" style={{ color: '#60a5fa', marginLeft: 6 }}>
+          {Number(balance.balanceEth).toFixed(4)} META
+        </span>
+      )}
+    </a>
+  );
+}

src/components/portal/PortalLayout.tsx

@@ -0,0 +1,176 @@
+import { useState } from 'react';
+import { useNavigate, useLocation } from 'react-router-dom';
+import { useAuth } from '../../contexts/AuthContext';
+import {
+  LayoutDashboard, Zap, Building2, Landmark, FileText, Shield, CheckSquare,
+  Settings, LogOut, ChevronLeft, ChevronRight, Bell, User, Copy,
+  ExternalLink, ChevronDown, GitBranch
+} from 'lucide-react';
+
+const navItems = [
+  { id: 'dashboard', label: 'Overview', icon: LayoutDashboard, path: '/dashboard' },
+  { id: 'transaction-builder', label: 'Transaction Builder', icon: Zap, path: '/transaction-builder' },
+  { id: 'transactions', label: 'Transactions', icon: GitBranch, path: '/transactions' },
+  { id: 'accounts', label: 'Accounts', icon: Building2, path: '/accounts' },
+  { id: 'treasury', label: 'Treasury', icon: Landmark, path: '/treasury' },
+  { id: 'reporting', label: 'Reporting', icon: FileText, path: '/reporting' },
+  { id: 'compliance', label: 'Compliance & Risk', icon: Shield, path: '/compliance' },
+  { id: 'settlements', label: 'Settlements', icon: CheckSquare, path: '/settlements' },
+];
+
+interface PortalLayoutProps {
+  children: React.ReactNode;
+}
+
+export default function PortalLayout({ children }: PortalLayoutProps) {
+  const { user, wallet, disconnect } = useAuth();
+  const navigate = useNavigate();
+  const location = useLocation();
+  const [collapsed, setCollapsed] = useState(false);
+  const [showUserMenu, setShowUserMenu] = useState(false);
+  const [showNotifications, setShowNotifications] = useState(false);
+
+  const currentPath = location.pathname;
+
+  const copyAddress = () => {
+    if (wallet?.address) {
+      navigator.clipboard.writeText(wallet.address);
+    }
+  };
+
+  return (
+    <div className="portal-layout">
+      <div className="portal-topbar">
+        <div className="portal-topbar-left">
+          <div className="portal-logo" onClick={() => navigate('/dashboard')}>
+            <Building2 size={22} color="#3b82f6" />
+            {!collapsed && (
+              <div className="portal-logo-text">
+                <span className="portal-logo-name">Solace Bank Group</span>
+                <span className="portal-logo-plc">PLC</span>
+              </div>
+            )}
+          </div>
+        </div>
+
+        <div className="portal-topbar-center">
+          <div className="portal-env-badge">
+            <span className="env-dot" />
+            Production
+          </div>
+        </div>
+
+        <div className="portal-topbar-right">
+          <div className="portal-notif-wrapper">
+            <button className="portal-icon-btn" onClick={() => { setShowNotifications(!showNotifications); setShowUserMenu(false); }}>
+              <Bell size={18} />
+              <span className="portal-notif-badge">3</span>
+            </button>
+            {showNotifications && (
+              <div className="portal-dropdown notifications-dropdown">
+                <div className="portal-dropdown-header">Notifications</div>
+                <div className="portal-dropdown-item warning">
+                  <span className="dropdown-dot warning" />
+                  <div>
+                    <div className="dropdown-title">AML Alert</div>
+                    <div className="dropdown-desc">Unusual pattern on ACC-001</div>
+                  </div>
+                </div>
+                <div className="portal-dropdown-item info">
+                  <span className="dropdown-dot info" />
+                  <div>
+                    <div className="dropdown-title">Settlement Confirmed</div>
+                    <div className="dropdown-desc">TX-2024-0847 settled</div>
+                  </div>
+                </div>
+                <div className="portal-dropdown-item">
+                  <span className="dropdown-dot success" />
+                  <div>
+                    <div className="dropdown-title">Report Ready</div>
+                    <div className="dropdown-desc">Q4 IFRS Balance Sheet</div>
+                  </div>
+                </div>
+              </div>
+            )}
+          </div>
+
+          <div className="portal-user-wrapper">
+            <button className="portal-user-btn" onClick={() => { setShowUserMenu(!showUserMenu); setShowNotifications(false); }}>
+              <div className="portal-avatar">
+                <User size={14} />
+              </div>
+              <div className="portal-user-info">
+                <span className="portal-user-name">{user?.displayName || 'User'}</span>
+                <span className="portal-user-role">{user?.role?.replace('_', ' ') || 'Admin'}</span>
+              </div>
+              <ChevronDown size={12} />
+            </button>
+            {showUserMenu && (
+              <div className="portal-dropdown user-dropdown">
+                <div className="portal-dropdown-header">Account</div>
+                <div className="portal-dropdown-section">
+                  <div className="portal-wallet-addr">
+                    <span className="mono">{wallet?.address ? `${wallet.address.slice(0, 8)}...${wallet.address.slice(-6)}` : '—'}</span>
+                    <button className="copy-btn" onClick={copyAddress} title="Copy address"><Copy size={12} /></button>
+                  </div>
+                  <div className="portal-wallet-bal">
+                    <span>{wallet?.balance ? `${parseFloat(wallet.balance).toFixed(4)} ETH` : '—'}</span>
+                    <span className="chain-badge">Chain {wallet?.chainId || 1}</span>
+                  </div>
+                </div>
+                <div className="portal-dropdown-divider" />
+                <button className="portal-dropdown-action" onClick={() => navigate('/settings')}>
+                  <Settings size={14} /> Settings
+                </button>
+                <button className="portal-dropdown-action" onClick={() => window.open('https://etherscan.io', '_blank')}>
+                  <ExternalLink size={14} /> View on Explorer
+                </button>
+                <div className="portal-dropdown-divider" />
+                <button className="portal-dropdown-action danger" onClick={disconnect}>
+                  <LogOut size={14} /> Disconnect Wallet
+                </button>
+              </div>
+            )}
+          </div>
+        </div>
+      </div>
+
+      <div className="portal-body">
+        <nav className={`portal-sidebar ${collapsed ? 'collapsed' : ''}`}>
+          <div className="portal-nav-items">
+            {navItems.map(item => {
+              const Icon = item.icon;
+              const isActive = currentPath === item.path || (item.path !== '/dashboard' && currentPath.startsWith(item.path));
+              return (
+                <button
+                  key={item.id}
+                  className={`portal-nav-item ${isActive ? 'active' : ''}`}
+                  onClick={() => navigate(item.path)}
+                  title={collapsed ? item.label : undefined}
+                >
+                  <Icon size={18} />
+                  {!collapsed && <span>{item.label}</span>}
+                  {isActive && <div className="nav-active-indicator" />}
+                </button>
+              );
+            })}
+          </div>
+
+          <div className="portal-nav-footer">
+            <button className="portal-nav-item" onClick={() => navigate('/settings')} title={collapsed ? 'Settings' : undefined}>
+              <Settings size={18} />
+              {!collapsed && <span>Settings</span>}
+            </button>
+            <button className="portal-collapse-btn" onClick={() => setCollapsed(!collapsed)}>
+              {collapsed ? <ChevronRight size={16} /> : <ChevronLeft size={16} />}
+            </button>
+          </div>
+        </nav>
+
+        <main className="portal-content">
+          {children}
+        </main>
+      </div>
+    </div>
+  );
+}