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docs/nostro-vostro/cb-implementation-guide.md
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docs/nostro-vostro/cb-implementation-guide.md
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# DBIS Nostro/Vostro Network — Central Bank Implementation Guide
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## Overview
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This guide provides step-by-step instructions for Central Banks (SCBs) to implement and deploy the DBIS Nostro/Vostro Network API for their regulated Financial Institutions (FIs).
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## Table of Contents
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1. [Prerequisites](#prerequisites)
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2. [Phased Rollout Strategy](#phased-rollout-strategy)
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3. [Infrastructure Setup](#infrastructure-setup)
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4. [API Configuration](#api-configuration)
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5. [FI Onboarding](#fi-onboarding)
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6. [Testing & Validation](#testing--validation)
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7. [Production Deployment](#production-deployment)
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8. [Best Practices](#best-practices)
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9. [Troubleshooting](#troubleshooting)
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## Prerequisites
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### Technical Requirements
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- **API Gateway**: RESTful API gateway supporting OpenAPI 3.0.3
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- **Authentication**: OAuth2 server with Mutual TLS (mTLS) support
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- **Database**: PostgreSQL 12+ or compatible database
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- **Network**: Secure network connectivity to DBIS infrastructure
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- **HSM**: Hardware Security Module for key management (recommended)
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### Regulatory Requirements
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- Central Bank authorization to operate Nostro/Vostro services
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- Compliance with local banking regulations
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- Data protection and privacy compliance (GDPR, local regulations)
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- Audit trail capabilities
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### Organizational Requirements
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- Designated API administrator
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- Technical support team
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- Compliance officer
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- Relationship manager for FI onboarding
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## Phased Rollout Strategy
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### Phase 1: Pilot / Sandbox (Months 1-3)
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**Objective**: Validate API functionality with limited participants
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**Activities**:
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1. Deploy sandbox environment
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2. Onboard 1-3 Tier-1 FIs
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3. Test core endpoints:
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- Participant registration
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- Account creation
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- Transfer initiation
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- Balance queries
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4. Collect feedback and iterate
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**Success Criteria**:
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- All core endpoints functional
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- No critical bugs
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- Positive FI feedback
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- Performance meets SLA requirements
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### Phase 2: Expansion (Months 4-6)
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**Objective**: Broaden FI participation and add advanced features
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**Activities**:
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1. Onboard additional Tier-1 and Tier-2 FIs
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2. Enable webhook integration
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3. Implement reconciliation automation
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4. Add GRU/FX endpoints
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5. Performance optimization
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**Success Criteria**:
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- 10+ FIs onboarded
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- Webhook delivery success rate > 99%
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- Reconciliation accuracy > 99.9%
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- API response time < 200ms (p95)
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### Phase 3: Full Production (Months 7+)
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**Objective**: Full-scale deployment with all features
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**Activities**:
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1. Onboard all eligible FIs
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2. Integration with GRU/FX and GAS
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3. Ω-Layer-aligned settlement
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4. Advanced monitoring and alerting
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5. Continuous improvement
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**Success Criteria**:
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- All eligible FIs onboarded
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- 24/7 availability (99.9% uptime)
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- Full GRU/FX integration
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- Complete audit trail
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## Infrastructure Setup
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### 1. API Gateway Configuration
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#### Server Configuration
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```yaml
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# Example configuration
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servers:
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- url: https://api.yourcb.gov/api/v1/nostro-vostro
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description: Production
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- url: https://sandbox.yourcb.gov/api/v1/nostro-vostro
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description: Sandbox
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```
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#### Security Configuration
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1. **OAuth2 Setup**:
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- Configure OAuth2 authorization server
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- Set up client credentials flow
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- Configure scopes: `nv.read`, `nv.write`, `nv.reconcile`, `gru.read`, `gru.convert`
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2. **Mutual TLS (mTLS)**:
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- Generate server certificates
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- Configure client certificate validation
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- Set up certificate revocation list (CRL) checking
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3. **Rate Limiting**:
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- Configure per-FI rate limits
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- Set up burst allowances
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- Monitor and alert on rate limit violations
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### 2. Database Setup
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#### Schema Migration
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```bash
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# Run Prisma migrations
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npx prisma migrate deploy
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# Verify schema
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npx prisma studio
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```
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#### Indexes
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Ensure the following indexes are created for optimal performance:
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- `participantId` on `nostro_vostro_participants`
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- `accountId` on `nostro_vostro_accounts`
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- `transferId` and `idempotencyKey` on `nostro_vostro_transfers`
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- `reportId` on `nostro_vostro_reconciliations`
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### 3. Integration Points
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#### DBIS Core Integration
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- Connect to DBIS GAS (Global Atomic Settlement) network
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- Configure Ω-Layer finality integration
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- Set up GRU/FX rate feeds
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- Configure webhook delivery infrastructure
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#### Internal Systems Integration
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- RTGS system integration
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- Core banking system integration
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- Compliance system integration
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- Reporting system integration
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## API Configuration
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### 1. Environment Variables
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```bash
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# API Configuration
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API_BASE_URL=https://api.yourcb.gov/api/v1/nostro-vostro
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API_VERSION=1.0.0
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# Database
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DATABASE_URL=postgresql://user:pass@localhost:5432/nostro_vostro
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# Authentication
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OAUTH2_TOKEN_URL=https://auth.yourcb.gov/oauth/token
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OAUTH2_CLIENT_ID=your_client_id
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OAUTH2_CLIENT_SECRET=your_client_secret
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# Security
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MTLS_ENABLED=true
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MTLS_CA_CERT_PATH=/path/to/ca.crt
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# Webhooks
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WEBHOOK_RETRY_ATTEMPTS=5
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WEBHOOK_TIMEOUT_MS=30000
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# GRU/FX
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GRU_FX_ENABLED=true
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GRU_FX_RATE_SOURCE=DBIS_GRU
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```
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### 2. API Documentation
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- Host OpenAPI spec at `/api-docs` endpoint
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- Provide interactive Swagger UI
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- Generate client SDKs (Java, .NET, Python, Node.js)
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- Publish API reference documentation
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### 3. Monitoring & Logging
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- Set up application performance monitoring (APM)
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- Configure structured logging
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- Set up alerting for:
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- API errors (> 1% error rate)
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- High latency (> 500ms p95)
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- Failed webhook deliveries
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- Reconciliation breaks
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## FI Onboarding
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### 1. Pre-Onboarding Checklist
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**For Central Bank**:
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- [ ] API documentation published
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- [ ] Sandbox environment available
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- [ ] Test credentials generated
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- [ ] Support channels established
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- [ ] Onboarding process documented
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**For Financial Institution**:
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- [ ] Technical team assigned
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- [ ] Development environment ready
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- [ ] Network connectivity established
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- [ ] Security certificates obtained
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- [ ] Compliance approval received
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### 2. Onboarding Process
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#### Step 1: Registration
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1. FI submits participant registration request
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2. CB reviews and approves
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3. CB creates participant record via API
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4. CB provides participant ID and credentials
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#### Step 2: Account Setup
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1. FI requests Nostro/Vostro account creation
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2. CB creates account via API
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3. CB provides account ID and details
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4. FI verifies account in their system
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#### Step 3: Integration Testing
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1. FI implements API client
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2. FI tests in sandbox environment
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3. CB validates test transactions
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4. Both parties sign off on testing
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#### Step 4: Production Access
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1. CB grants production credentials
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2. FI switches to production endpoint
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3. CB monitors initial transactions
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4. Both parties confirm successful go-live
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### 3. Onboarding Timeline
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- **Registration**: 1-2 business days
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- **Account Setup**: 1 business day
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- **Integration Testing**: 2-4 weeks
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- **Production Access**: 1 business day
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**Total**: 3-5 weeks
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## Testing & Validation
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### 1. Test Scenarios
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#### Core Functionality Tests
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- Participant creation and retrieval
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- Account creation and balance queries
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- Transfer initiation and status tracking
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- Reconciliation report generation
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- Webhook subscription and delivery
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#### Error Handling Tests
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- Invalid authentication
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- Insufficient balance
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- Duplicate idempotency keys
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- Invalid account references
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- Network timeouts
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#### Performance Tests
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- Concurrent request handling
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- Large batch transfers
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- High-frequency balance queries
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- Webhook delivery under load
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### 2. Test Playbook
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See [Test Playbook](./test-playbook.md) for detailed test cases.
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### 3. Validation Checklist
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- [ ] All endpoints functional
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- [ ] Error responses correct
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- [ ] Idempotency working
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- [ ] Webhooks delivering
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- [ ] Reconciliation accurate
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- [ ] Performance meets SLA
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- [ ] Security validated
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- [ ] Audit trail complete
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## Production Deployment
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### 1. Pre-Deployment Checklist
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- [ ] Infrastructure provisioned
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- [ ] Database migrated
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- [ ] API deployed
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- [ ] Monitoring configured
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- [ ] Alerting configured
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- [ ] Backup strategy in place
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- [ ] Disaster recovery tested
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- [ ] Security audit completed
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- [ ] Documentation published
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- [ ] Support team trained
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### 2. Deployment Steps
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1. **Deploy to Staging**:
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- Deploy latest code
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- Run database migrations
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- Verify all services healthy
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- Run smoke tests
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2. **Deploy to Production**:
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- Schedule maintenance window
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- Deploy code (blue-green deployment)
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- Run database migrations
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- Verify services healthy
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- Monitor for issues
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3. **Post-Deployment**:
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- Verify API endpoints
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- Check monitoring dashboards
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- Validate webhook delivery
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- Confirm reconciliation working
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- Notify FIs of deployment
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### 3. Rollback Plan
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- Keep previous version available
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- Database migrations reversible
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- Feature flags for gradual rollout
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- Automated rollback triggers
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## Best Practices
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### 1. Security
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- **Always use mTLS** for production
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- **Rotate credentials** regularly
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- **Monitor for anomalies** in API usage
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- **Implement rate limiting** per FI
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- **Log all API calls** for audit
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### 2. Performance
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- **Cache frequently accessed data** (participants, accounts)
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- **Use connection pooling** for database
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- **Implement pagination** for large result sets
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- **Optimize database queries** with proper indexes
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- **Monitor and tune** based on metrics
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### 3. Reliability
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- **Implement retry logic** for transient failures
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- **Use idempotency keys** for all transfers
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- **Set up health checks** and monitoring
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- **Plan for disaster recovery**
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- **Test failover procedures** regularly
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### 4. Compliance
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- **Maintain complete audit trail**
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- **Implement data retention policies**
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- **Ensure GDPR/privacy compliance**
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- **Regular compliance audits**
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- **Document all procedures**
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## Troubleshooting
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### Common Issues
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#### 1. Authentication Failures
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**Symptoms**: 401 Unauthorized errors
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**Solutions**:
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- Verify OAuth2 token is valid
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- Check mTLS certificate is valid
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- Ensure correct scopes are requested
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- Verify token hasn't expired
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#### 2. Transfer Failures
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**Symptoms**: Transfers stuck in PENDING status
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**Solutions**:
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- Check account balances
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- Verify account status (ACTIVE)
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- Check for holds on accounts
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- Review rejection reasons
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#### 3. Webhook Delivery Failures
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**Symptoms**: Webhooks not received by FI
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**Solutions**:
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- Verify webhook URL is accessible
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- Check webhook signature validation
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- Review delivery logs
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- Test webhook endpoint manually
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#### 4. Reconciliation Breaks
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**Symptoms**: Reconciliation reports show breaks
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**Solutions**:
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- Review transaction history
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- Check for pending transfers
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- Verify account balances
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- Compare with internal records
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### Support Contacts
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- **Technical Support**: api-support@yourcb.gov
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- **Emergency Hotline**: +1-XXX-XXX-XXXX
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- **Documentation**: https://docs.yourcb.gov/nostro-vostro
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## Next Steps
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1. Review this guide with your technical team
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2. Set up sandbox environment
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3. Begin FI onboarding process
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4. Schedule production deployment
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5. Monitor and iterate
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## Additional Resources
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- [API Reference](./api-reference.md)
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- [Plugin Development Guide](./plugin-development-guide.md)
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- [ISO 20022 Mapping Guide](./iso20022-mapping.md)
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- [SWIFT Mapping Guide](./swift-mapping.md)
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- [RTGS Mapping Guide](./rtgs-mapping.md)
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---
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**Version**: 1.0.0
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**Last Updated**: 2024-01-15
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**Contact**: cb-support@dbis.org
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