CurrenciCombo/orchestrator/src/services/bank.ts

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> {
  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;
}

/**
 * Commit bank instruction (2PC commit phase)
 * Confirms final settlement
 */
export async function commitBankInstruction(plan: Plan): Promise<{
  success: boolean;
  isoMessageId?: string;
  error?: string;
}> {
  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).slice(2, 11)}`;

    // Simulate processing delay
    await new Promise((resolve) => setTimeout(resolve, 300));

    return {
      success: true,
      isoMessageId,
    };
  } catch (err) {
    const error = err instanceof Error ? err.message : String(err);
    return {
      success: false,
      error,
    };
  }
}

/**
 * Abort bank instruction (2PC abort phase)
 * Cancels provisional instruction
 */
export async function abortBankInstruction(planId: string): Promise<void> {
  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));
}