Complete remaining todos: MT103 mapping, version management, logging, config, FX rates, tests, docs

- Enhanced MT103 mapping with all fields and validation
- Implemented version management system
- Added structured logging with correlation IDs
- Added configuration management from environment variables
- Implemented FX rate service with caching and provider abstraction
- Added comprehensive unit tests
- Created architecture and developer documentation

packages/rules-engine/src/__tests__/documentation.test.ts

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+import { describe, it, expect } from 'vitest';
+import { validateDocumentation } from '../documentation';
+import type { Transaction } from '@brazil-swift-ops/types';
+
+describe('Documentation Validation', () => {
+  it('should pass validation for complete transaction', () => {
+    const transaction: Transaction = {
+      id: 'TXN-1',
+      direction: 'outbound',
+      amount: 5000,
+      currency: 'USD',
+      orderingCustomer: {
+        name: 'John Doe',
+        taxId: '12345678909',
+        country: 'BR',
+      },
+      beneficiary: {
+        name: 'Jane Smith',
+        taxId: '98765432100',
+        country: 'BR',
+      },
+      purposeOfPayment: 'Payment for services rendered',
+      status: 'pending',
+      createdAt: new Date(),
+      updatedAt: new Date(),
+    };
+
+    const result = validateDocumentation(transaction);
+    expect(result.passed).toBe(true);
+    expect(result.errors).toHaveLength(0);
+  });
+
+  it('should fail validation for missing tax ID', () => {
+    const transaction: Transaction = {
+      id: 'TXN-2',
+      direction: 'outbound',
+      amount: 5000,
+      currency: 'USD',
+      orderingCustomer: {
+        name: 'John Doe',
+        country: 'BR',
+      },
+      beneficiary: {
+        name: 'Jane Smith',
+        country: 'BR',
+      },
+      purposeOfPayment: 'Payment',
+      status: 'pending',
+      createdAt: new Date(),
+      updatedAt: new Date(),
+    };
+
+    const result = validateDocumentation(transaction);
+    expect(result.passed).toBe(false);
+    expect(result.errors.length).toBeGreaterThan(0);
+  });
+
+  it('should fail validation for missing purpose of payment', () => {
+    const transaction: Transaction = {
+      id: 'TXN-3',
+      direction: 'outbound',
+      amount: 5000,
+      currency: 'USD',
+      orderingCustomer: {
+        name: 'John Doe',
+        taxId: '12345678909',
+        country: 'BR',
+      },
+      beneficiary: {
+        name: 'Jane Smith',
+        taxId: '98765432100',
+        country: 'BR',
+      },
+      status: 'pending',
+      createdAt: new Date(),
+      updatedAt: new Date(),
+    };
+
+    const result = validateDocumentation(transaction);
+    expect(result.passed).toBe(false);
+    expect(result.errors.some((e) => e.includes('purpose'))).toBe(true);
+  });
+});

packages/rules-engine/src/__tests__/iof.test.ts

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+import { describe, it, expect, beforeEach } from 'vitest';
+import { calculateIOF } from '../iof';
+import { setConfig, DEFAULT_CONFIG } from '../config';
+import type { Transaction } from '@brazil-swift-ops/types';
+
+describe('IOF Calculation', () => {
+  beforeEach(() => {
+    setConfig(DEFAULT_CONFIG);
+  });
+
+  it('should calculate IOF for inbound transaction', () => {
+    const transaction: Transaction = {
+      id: 'TXN-1',
+      direction: 'inbound',
+      amount: 10000,
+      currency: 'USD',
+      orderingCustomer: { name: 'Test', country: 'BR' },
+      beneficiary: { name: 'Test', country: 'BR' },
+      status: 'pending',
+      createdAt: new Date(),
+      updatedAt: new Date(),
+    };
+
+    const result = calculateIOF(transaction);
+    expect(result.rate).toBe(DEFAULT_CONFIG.iofRateInbound);
+    expect(result.amount).toBe(10000 * DEFAULT_CONFIG.iofRateInbound);
+    expect(result.currency).toBe('BRL');
+  });
+
+  it('should calculate IOF for outbound transaction', () => {
+    const transaction: Transaction = {
+      id: 'TXN-2',
+      direction: 'outbound',
+      amount: 10000,
+      currency: 'USD',
+      orderingCustomer: { name: 'Test', country: 'BR' },
+      beneficiary: { name: 'Test', country: 'BR' },
+      status: 'pending',
+      createdAt: new Date(),
+      updatedAt: new Date(),
+    };
+
+    const result = calculateIOF(transaction);
+    expect(result.rate).toBe(DEFAULT_CONFIG.iofRateOutbound);
+    expect(result.amount).toBe(10000 * DEFAULT_CONFIG.iofRateOutbound);
+    expect(result.currency).toBe('BRL');
+  });
+
+  it('should return zero IOF for non-BRL transactions without conversion', () => {
+    const transaction: Transaction = {
+      id: 'TXN-3',
+      direction: 'inbound',
+      amount: 10000,
+      currency: 'EUR',
+      orderingCustomer: { name: 'Test', country: 'BR' },
+      beneficiary: { name: 'Test', country: 'BR' },
+      status: 'pending',
+      createdAt: new Date(),
+      updatedAt: new Date(),
+    };
+
+    const result = calculateIOF(transaction);
+    // IOF is calculated on BRL equivalent, so if no conversion provided, should handle gracefully
+    expect(result.rate).toBeGreaterThanOrEqual(0);
+  });
+});