// This is your Prisma schema file,
// learn more about it in the docs: https://pris.ly/d/prisma-schema

generator client {
  provider = "prisma-client-js"
}

datasource db {
  provider = "postgresql"
  url      = env("DATABASE_URL")
}

// Core Entities
model User {
  id            String    @id @default(uuid())
  email         String    @unique
  passwordHash  String
  firstName     String?
  lastName      String?
  phone         String?
  role          UserRole  @default(CUSTOMER)
  isActive      Boolean   @default(true)
  emailVerified Boolean   @default(false)
  lastLogin     DateTime?
  createdAt     DateTime  @default(now())
  updatedAt     DateTime  @updatedAt

  // Relations
  customer      Customer?
  employee      Employee?
  sessions      Session[]
  auditLogs     AuditLog[]

  @@index([email])
  @@index([role])
  @@index([isActive])
  @@index([createdAt])
}

enum UserRole {
  CUSTOMER
  LOAN_OFFICER
  UNDERWRITER
  SERVICING
  ADMIN
  FINANCIAL_OPERATIONS
  COMPLIANCE
}

model Session {
  id           String   @id @default(uuid())
  userId       String
  token        String   @unique
  refreshToken String?  @unique
  expiresAt    DateTime
  ipAddress    String?
  userAgent    String?
  createdAt    DateTime @default(now())

  user User @relation(fields: [userId], references: [id], onDelete: Cascade)

  @@index([userId])
  @@index([token])
}

model Customer {
  id              String   @id @default(uuid())
  userId          String?  @unique
  customerType    CustomerType
  firstName       String?
  lastName        String?
  businessName    String?
  taxId           String?  @unique
  dateOfBirth     DateTime?
  email           String
  phone           String?
  address         Json?
  kycStatus       KYCStatus @default(PENDING)
  kycCompletedAt  DateTime?
  createdAt       DateTime @default(now())
  updatedAt       DateTime @updatedAt

  // Relations
  user            User?    @relation(fields: [userId], references: [id], onDelete: Cascade)
  accounts       Account[]
  applications   Application[]
  interactions   Interaction[]
  creditProfiles CreditProfile[]

  @@index([email])
  @@index([customerType])
  @@index([kycStatus])
}

enum CustomerType {
  INDIVIDUAL
  BUSINESS
}

enum KYCStatus {
  PENDING
  IN_PROGRESS
  VERIFIED
  REJECTED
}

model Account {
  id            String      @id @default(uuid())
  customerId    String
  accountNumber String      @unique
  accountType   AccountType
  status        AccountStatus @default(ACTIVE)
  balance       Decimal     @default(0) @db.Decimal(15, 2)
  currency      String      @default("USD")
  openedAt      DateTime    @default(now())
  closedAt      DateTime?
  createdAt     DateTime    @default(now())
  updatedAt     DateTime    @updatedAt

  // Relations
  customer      Customer    @relation(fields: [customerId], references: [id], onDelete: Cascade)
  loans         Loan[]
  transactions  Transaction[]

  @@index([customerId])
  @@index([accountNumber])
  @@index([accountType])
  @@index([status])
  @@index([openedAt])
}

enum AccountType {
  CHECKING
  SAVINGS
  LOAN
  ESCROW
}

enum AccountStatus {
  ACTIVE
  INACTIVE
  CLOSED
  FROZEN
}

model Loan {
  id                  String      @id @default(uuid())
  accountId           String
  applicationId       String?     @unique
  loanNumber          String      @unique
  productType         LoanProductType
  status              LoanStatus  @default(PENDING)
  principalAmount     Decimal     @db.Decimal(15, 2)
  interestRate        Decimal     @db.Decimal(5, 4)
  termMonths          Int
  paymentFrequency    PaymentFrequency @default(MONTHLY)
  originationDate     DateTime?
  firstPaymentDate    DateTime?
  maturityDate        DateTime?
  currentBalance      Decimal     @default(0) @db.Decimal(15, 2)
  totalPaid           Decimal     @default(0) @db.Decimal(15, 2)
  nextPaymentDate     DateTime?
  nextPaymentAmount   Decimal?    @db.Decimal(15, 2)
  createdAt           DateTime     @default(now())
  updatedAt           DateTime     @updatedAt

  // Relations
  account             Account     @relation(fields: [accountId], references: [id], onDelete: Cascade)
  application         Application? @relation(fields: [applicationId], references: [id])
  transactions        Transaction[]
  paymentSchedule    PaymentSchedule[]
  escrowAccounts     EscrowAccount[]
  delinquencies       Delinquency[]
  workouts            Workout[]
  collateral          Collateral[]
  riskScores          RiskScore[]
  valuations         Valuation[]
  tokens              Token[]
  participations      Participation[]

  @@index([accountId])
  @@index([loanNumber])
  @@index([status])
  @@index([productType])
  @@index([originationDate])
  @@index([maturityDate])
  @@index([nextPaymentDate])
}

enum LoanProductType {
  CONSUMER_PERSONAL
  CONSUMER_SECURED
  CONSUMER_UNSECURED
  COMMERCIAL_WORKING_CAPITAL
  COMMERCIAL_BRIDGE
  COMMERCIAL_EQUIPMENT
  RECEIVABLES_FINANCING
  EQUIPMENT_FINANCING
}

enum LoanStatus {
  PENDING
  UNDERWRITING
  APPROVED
  FUNDED
  SERVICING
  DELINQUENT
  DEFAULTED
  PAID_OFF
  CHARGED_OFF
  CANCELLED
}

enum PaymentFrequency {
  WEEKLY
  BIWEEKLY
  MONTHLY
  QUARTERLY
  ANNUALLY
}

model Transaction {
  id              String          @id @default(uuid())
  accountId       String
  loanId          String?
  transactionType TransactionType
  amount          Decimal         @db.Decimal(15, 2)
  balance         Decimal         @db.Decimal(15, 2)
  description     String?
  referenceNumber String?
  status          TransactionStatus @default(PENDING)
  postedAt        DateTime?
  createdAt       DateTime        @default(now())

  // Relations
  account         Account         @relation(fields: [accountId], references: [id], onDelete: Cascade)
  loan            Loan?           @relation(fields: [loanId], references: [id])

  @@index([accountId])
  @@index([loanId])
  @@index([transactionType])
  @@index([status])
  @@index([createdAt])
  @@index([postedAt])
  @@index([referenceNumber])
  @@index([accountId, createdAt])
}

enum TransactionType {
  DEPOSIT
  WITHDRAWAL
  PAYMENT
  INTEREST
  FEE
  REFUND
  ADJUSTMENT
  TRANSFER
}

enum TransactionStatus {
  PENDING
  PROCESSING
  COMPLETED
  FAILED
  CANCELLED
}

model Application {
  id              String            @id @default(uuid())
  customerId      String
  applicationType LoanProductType
  requestedAmount Decimal           @db.Decimal(15, 2)
  purpose         String?
  status          ApplicationStatus @default(DRAFT)
  submittedAt     DateTime?
  decisionDate    DateTime?
  decision        ApplicationDecision?
  decisionReason  String?
  createdAt       DateTime          @default(now())
  updatedAt       DateTime          @updatedAt

  // Relations
  customer        Customer          @relation(fields: [customerId], references: [id], onDelete: Cascade)
  loan            Loan?
  workflows       Workflow[]
  creditPulls     CreditPull[]
  documents       Document[]
  complianceTokens ComplianceToken[]

  @@index([customerId])
  @@index([status])
  @@index([applicationType])
  @@index([submittedAt])
  @@index([decisionDate])
  @@index([status, submittedAt])
}

enum ApplicationStatus {
  DRAFT
  SUBMITTED
  UNDER_REVIEW
  APPROVED
  DENIED
  WITHDRAWN
  EXPIRED
}

enum ApplicationDecision {
  APPROVED
  DENIED
  REFERRED
  COUNTEROFFER
}

model Workflow {
  id            String       @id @default(uuid())
  applicationId String
  workflowType  WorkflowType
  status        WorkflowStatus @default(PENDING)
  currentStep   Int          @default(0)
  startedAt     DateTime     @default(now())
  completedAt   DateTime?
  createdAt     DateTime     @default(now())
  updatedAt     DateTime     @updatedAt

  // Relations
  application   Application  @relation(fields: [applicationId], references: [id], onDelete: Cascade)
  tasks         Task[]

  @@index([applicationId])
  @@index([status])
}

enum WorkflowType {
  ORIGINATION
  UNDERWRITING
  APPROVAL
  DOCUMENTATION
  FUNDING
}

enum WorkflowStatus {
  PENDING
  IN_PROGRESS
  COMPLETED
  CANCELLED
  FAILED
}

model Task {
  id          String     @id @default(uuid())
  workflowId  String
  title       String
  description String?
  status      TaskStatus  @default(PENDING)
  assignedTo  String?
  dueDate     DateTime?
  completedAt DateTime?
  createdAt   DateTime   @default(now())
  updatedAt   DateTime   @updatedAt

  // Relations
  workflow    Workflow   @relation(fields: [workflowId], references: [id], onDelete: Cascade)

  @@index([workflowId])
  @@index([assignedTo])
  @@index([status])
}

enum TaskStatus {
  PENDING
  IN_PROGRESS
  COMPLETED
  CANCELLED
}

model Document {
  id            String         @id @default(uuid())
  applicationId String?
  loanId        String?
  documentType  DocumentType
  fileName      String
  filePath      String
  fileSize      Int
  mimeType      String
  uploadedBy    String
  status        DocumentStatus @default(PENDING)
  verifiedAt    DateTime?
  createdAt     DateTime       @default(now())

  // Relations
  application   Application?    @relation(fields: [applicationId], references: [id], onDelete: Cascade)

  @@index([applicationId])
  @@index([loanId])
  @@index([documentType])
}

enum DocumentType {
  IDENTIFICATION
  INCOME_VERIFICATION
  BANK_STATEMENT
  TAX_RETURN
  BUSINESS_LICENSE
  FINANCIAL_STATEMENT
  COLLATERAL_DOCUMENT
  LOAN_AGREEMENT
  DISCLOSURE
  OTHER
}

enum DocumentStatus {
  PENDING
  VERIFIED
  REJECTED
  EXPIRED
}

// Servicing Entities
model EscrowAccount {
  id              String   @id @default(uuid())
  loanId          String
  escrowType      EscrowType
  balance         Decimal  @default(0) @db.Decimal(15, 2)
  monthlyPayment  Decimal  @db.Decimal(15, 2)
  createdAt       DateTime @default(now())
  updatedAt       DateTime @updatedAt

  // Relations
  loan            Loan     @relation(fields: [loanId], references: [id], onDelete: Cascade)
  disbursements   EscrowDisbursement[]

  @@index([loanId])
}

enum EscrowType {
  TAXES
  INSURANCE
  PMI
  OTHER
}

model EscrowDisbursement {
  id            String   @id @default(uuid())
  escrowAccountId String
  amount        Decimal  @db.Decimal(15, 2)
  payee         String
  description   String?
  disbursedAt   DateTime @default(now())
  status        DisbursementStatus @default(PENDING)

  // Relations
  escrowAccount EscrowAccount @relation(fields: [escrowAccountId], references: [id], onDelete: Cascade)

  @@index([escrowAccountId])
}

enum DisbursementStatus {
  PENDING
  PROCESSED
  FAILED
}

model Delinquency {
  id              String   @id @default(uuid())
  loanId          String
  daysPastDue     Int
  status          DelinquencyStatus
  firstDelinquentDate DateTime
  resolvedAt     DateTime?
  createdAt       DateTime @default(now())
  updatedAt       DateTime @updatedAt

  // Relations
  loan            Loan     @relation(fields: [loanId], references: [id], onDelete: Cascade)
  collections     Collection[]

  @@index([loanId])
  @@index([status])
}

enum DelinquencyStatus {
  CURRENT
  DELINQUENT_30
  DELINQUENT_60
  DELINQUENT_90
  DELINQUENT_120_PLUS
  RESOLVED
}

model Collection {
  id            String   @id @default(uuid())
  delinquencyId String
  actionType    CollectionActionType
  notes         String?
  nextActionDate DateTime?
  createdAt     DateTime @default(now())

  // Relations
  delinquency   Delinquency @relation(fields: [delinquencyId], references: [id], onDelete: Cascade)

  @@index([delinquencyId])
}

enum CollectionActionType {
  CALL
  EMAIL
  LETTER
  PAYMENT_PLAN
  FORBEARANCE
  CHARGE_OFF
}

model Workout {
  id            String   @id @default(uuid())
  loanId        String
  workoutType   WorkoutType
  status        WorkoutStatus @default(PENDING)
  terms         Json?
  effectiveDate DateTime?
  createdAt     DateTime @default(now())
  updatedAt     DateTime @updatedAt

  // Relations
  loan          Loan     @relation(fields: [loanId], references: [id], onDelete: Cascade)

  @@index([loanId])
  @@index([status])
}

enum WorkoutType {
  MODIFICATION
  FORBEARANCE
  SHORT_SALE
  DEED_IN_LIEU
}

enum WorkoutStatus {
  PENDING
  APPROVED
  ACTIVE
  COMPLETED
  REJECTED
}

model Collateral {
  id            String   @id @default(uuid())
  loanId        String
  collateralType CollateralType
  description   String
  value         Decimal  @db.Decimal(15, 2)
  location      String?
  lienPosition  Int?
  createdAt     DateTime @default(now())
  updatedAt     DateTime @updatedAt

  // Relations
  loan          Loan     @relation(fields: [loanId], references: [id], onDelete: Cascade)
  tokens        CollateralToken[]

  @@index([loanId])
}

enum CollateralType {
  REAL_ESTATE
  VEHICLE
  EQUIPMENT
  INVENTORY
  RECEIVABLES
  OTHER
}

model PaymentSchedule {
  id            String   @id @default(uuid())
  loanId        String
  paymentNumber Int
  dueDate       DateTime
  principal     Decimal  @db.Decimal(15, 2)
  interest      Decimal  @db.Decimal(15, 2)
  total         Decimal  @db.Decimal(15, 2)
  status        PaymentStatus @default(PENDING)
  paidAt        DateTime?
  createdAt     DateTime @default(now())

  // Relations
  loan          Loan     @relation(fields: [loanId], references: [id], onDelete: Cascade)

  @@index([loanId])
  @@index([dueDate])
  @@index([status])
}

enum PaymentStatus {
  PENDING
  PAID
  PARTIAL
  MISSED
  SKIPPED
}

// Compliance Entities
model RegulatoryReport {
  id            String   @id @default(uuid())
  reportType    ReportType
  reportingPeriod DateTime
  status        ReportStatus @default(DRAFT)
  submittedAt   DateTime?
  data          Json
  createdAt     DateTime @default(now())
  updatedAt     DateTime @updatedAt

  @@index([reportType])
  @@index([reportingPeriod])
}

enum ReportType {
  DFPI_ANNUAL
  HMDA
  MORTGAGE_CALL_REPORT
  STATE_SPECIFIC
}

enum ReportStatus {
  DRAFT
  SUBMITTED
  ACCEPTED
  REJECTED
}

model Disclosure {
  id            String   @id @default(uuid())
  applicationId String?
  loanId        String?
  disclosureType DisclosureType
  content       Json
  deliveredAt   DateTime?
  acknowledgedAt DateTime?
  createdAt     DateTime @default(now())

  @@index([applicationId])
  @@index([loanId])
  @@index([disclosureType])
}

enum DisclosureType {
  LOAN_ESTIMATE
  CLOSING_DISCLOSURE
  TILA
  RESPA
  STATE_SPECIFIC
}

model ComplianceCheck {
  id            String   @id @default(uuid())
  entityType    String
  entityId      String
  checkType     String
  passed        Boolean
  details       Json?
  createdAt     DateTime @default(now())

  @@index([entityType, entityId])
}

model AuditLog {
  id            String   @id @default(uuid())
  userId        String?
  action        String
  entityType    String?
  entityId      String?
  changes       Json?
  ipAddress     String?
  userAgent     String?
  createdAt     DateTime @default(now())

  // Relations
  user          User?    @relation(fields: [userId], references: [id], onDelete: SetNull)

  @@index([userId])
  @@index([entityType, entityId])
  @@index([createdAt])
}

model AdverseAction {
  id            String   @id @default(uuid())
  applicationId String
  reason        String
  noticeSentAt  DateTime?
  createdAt     DateTime @default(now())

  @@index([applicationId])
}

// Risk Entities
model RiskScore {
  id            String   @id @default(uuid())
  loanId        String
  scoreType     ScoreType
  score         Decimal  @db.Decimal(5, 2)
  factors       Json?
  calculatedAt  DateTime @default(now())

  // Relations
  loan          Loan     @relation(fields: [loanId], references: [id], onDelete: Cascade)

  @@index([loanId])
  @@index([scoreType])
}

enum ScoreType {
  CREDIT
  DEFAULT_RISK
  PREPAYMENT_RISK
  FRAUD
}

model CreditPull {
  id            String   @id @default(uuid())
  applicationId String
  bureau        CreditBureau
  creditScore   Int?
  reportData    Json?
  pulledAt      DateTime @default(now())

  // Relations
  application   Application @relation(fields: [applicationId], references: [id], onDelete: Cascade)

  @@index([applicationId])
  @@index([bureau])
}

enum CreditBureau {
  EXPERIAN
  EQUIFAX
  TRANSUNION
}

model Valuation {
  id            String   @id @default(uuid())
  loanId        String
  valuationType ValuationType
  value         Decimal  @db.Decimal(15, 2)
  source        String
  effectiveDate DateTime
  createdAt     DateTime @default(now())

  // Relations
  loan          Loan     @relation(fields: [loanId], references: [id], onDelete: Cascade)

  @@index([loanId])
}

enum ValuationType {
  AVM
  APPRAISAL
  MANUAL
}

// Funds Entities
model Fund {
  id            String   @id @default(uuid())
  fundName      String   @unique
  fundType      FundType
  balance       Decimal  @default(0) @db.Decimal(15, 2)
  status        FundStatus @default(ACTIVE)
  createdAt     DateTime @default(now())
  updatedAt     DateTime @updatedAt

  participations Participation[]

  @@index([fundType])
}

enum FundType {
  WAREHOUSE_LINE
  INVESTOR_FUND
  OPERATING
}

enum FundStatus {
  ACTIVE
  INACTIVE
  CLOSED
}

model Participation {
  id            String   @id @default(uuid())
  loanId        String
  fundId        String?
  participationType ParticipationType
  percentage    Decimal  @db.Decimal(5, 4)
  amount        Decimal  @db.Decimal(15, 2)
  status        ParticipationStatus @default(ACTIVE)
  createdAt     DateTime @default(now())
  updatedAt     DateTime @updatedAt

  // Relations
  loan          Loan     @relation(fields: [loanId], references: [id], onDelete: Cascade)
  fund          Fund?    @relation(fields: [fundId], references: [id])
  tokens        ParticipationToken[]

  @@index([loanId])
  @@index([fundId])
}

enum ParticipationType {
  SYNDICATION
  PARTICIPATION
  ASSIGNMENT
}

enum ParticipationStatus {
  PENDING
  ACTIVE
  SOLD
  TERMINATED
}

// Tokenization Entities
model Token {
  id            String   @id @default(uuid())
  loanId        String?
  tokenType     TokenType
  tokenAddress  String?  @unique
  tokenId       String?
  blockchain    String
  metadata      Json?
  createdAt     DateTime @default(now())

  // Relations
  loan          Loan?    @relation(fields: [loanId], references: [id], onDelete: Cascade)
  transactions  TokenTransaction[]
  holders       TokenHolder[]

  @@index([loanId])
  @@index([tokenAddress])
  @@index([tokenType])
}

enum TokenType {
  LOAN_RECORD
  PARTICIPATION
  COLLATERAL
  RECEIVABLE
  COMPLIANCE
  PAYMENT
}

model TokenTransaction {
  id            String   @id @default(uuid())
  tokenId       String
  txHash        String   @unique
  fromAddress   String?
  toAddress     String?
  amount        Decimal? @db.Decimal(15, 2)
  status        TransactionStatus @default(PENDING)
  blockNumber   BigInt?
  confirmedAt  DateTime?
  createdAt     DateTime @default(now())

  // Relations
  token         Token    @relation(fields: [tokenId], references: [id], onDelete: Cascade)

  @@index([tokenId])
  @@index([txHash])
}

model TokenHolder {
  id            String   @id @default(uuid())
  tokenId       String
  address       String
  balance       Decimal  @db.Decimal(15, 2)
  createdAt     DateTime @default(now())
  updatedAt     DateTime @updatedAt

  // Relations
  token         Token    @relation(fields: [tokenId], references: [id], onDelete: Cascade)

  @@index([tokenId])
  @@index([address])
}

model SmartContract {
  id            String   @id @default(uuid())
  contractName  String
  contractAddress String @unique
  blockchain    String
  abi           Json
  version       String
  deployedAt     DateTime @default(now())

  @@index([contractAddress])
}

model CollateralToken {
  id            String   @id @default(uuid())
  collateralId  String
  tokenAddress  String   @unique
  blockchain    String
  createdAt     DateTime @default(now())

  // Relations
  collateral    Collateral @relation(fields: [collateralId], references: [id], onDelete: Cascade)

  @@index([collateralId])
  @@index([tokenAddress])
}

model ParticipationToken {
  id            String   @id @default(uuid())
  participationId String
  tokenAddress  String   @unique
  blockchain    String
  createdAt     DateTime @default(now())

  // Relations
  participation Participation @relation(fields: [participationId], references: [id], onDelete: Cascade)

  @@index([participationId])
  @@index([tokenAddress])
}

model ReceivableToken {
  id            String   @id @default(uuid())
  receivableId  String
  tokenAddress  String   @unique
  blockchain    String
  createdAt     DateTime @default(now())

  @@index([receivableId])
  @@index([tokenAddress])
}

model ComplianceToken {
  id            String   @id @default(uuid())
  applicationId String
  eventType     String
  tokenAddress  String   @unique
  blockchain    String
  data          Json?
  createdAt     DateTime @default(now())

  // Relations
  application   Application @relation(fields: [applicationId], references: [id], onDelete: Cascade)

  @@index([applicationId])
  @@index([tokenAddress])
}

// Additional entities
model Employee {
  id            String   @id @default(uuid())
  userId        String   @unique
  employeeId    String   @unique
  department    String?
  title         String?
  hireDate      DateTime?
  createdAt     DateTime @default(now())
  updatedAt     DateTime @updatedAt

  // Relations
  user          User     @relation(fields: [userId], references: [id], onDelete: Cascade)

  @@index([userId])
  @@index([employeeId])
}

model Interaction {
  id            String   @id @default(uuid())
  customerId    String
  interactionType InteractionType
  subject       String?
  notes         String?
  createdBy     String
  createdAt     DateTime @default(now())

  // Relations
  customer      Customer @relation(fields: [customerId], references: [id], onDelete: Cascade)

  @@index([customerId])
  @@index([createdAt])
}

enum InteractionType {
  CALL
  EMAIL
  MEETING
  NOTE
  DOCUMENT
}

model CreditProfile {
  id            String   @id @default(uuid())
  customerId    String
  creditScore   Int?
  creditBureau  CreditBureau?
  reportData    Json?
  lastUpdated   DateTime @default(now())
  createdAt     DateTime @default(now())

  // Relations
  customer      Customer @relation(fields: [customerId], references: [id], onDelete: Cascade)

  @@index([customerId])
}